Insurance agent, take my money, please!
April 16, 2012 8:17 AM Subscribe
Why do insurance companies (non-medical) make it so rough to switch agents?
posted by zombieApoc to Grab Bag (6 answers total) 1 user marked this as a favorite
I used to get my auto and renter's insurance through AAA, but when I wanted to switch agents, because I didn't feel like driving 40 minutes to the office I had my policies through, they made it so rough.
1) They said I couldn't change the agent on my policy outside of some 45 day window that existed around the end-date on my policy
2) the new office I went to said they couldn't take ownership of the policy without me first driving to the other office to have them cancel it.
This confused me. I wanted to give the new agent my money but they made it so flippin' difficult that I jumped ship to State Farm. Now if seems State Farm is doing something similar. I called the office I wanted to switch to and they stated "State Farm won't let us move policies around when the two agents are within the same city". I've never had to actually file a claim with State Farm, but I want to at least be walking distance to my agent's office since I like face-to-face talking rather than email and phone, and since I moved I am no longer walking distance to my agent.
Is there some reason that would make sense to me (the customer) that they don't do this unless you threaten to cancel the policy? Is it because they don't want to create animosity between agents in close proximity to each other?