Encompass Auto Insurance

Encompass Auto Insurance is one of the companies that gives you not just good service but also confidence. Encompass Auto Insurance is a division of Allstate Insurance Company so you know that you’re in good hands. While the trade name Allstate remains on the products for agents the company has on payroll, Encompass Auto Insurance is for Independent Agents that want to sell a quality product. The ratings for the company’s financial strength are high according to the A.M. Best Company that rates insurance companies.

Encompass Insurance is just one of the many insurance companies you’ll find online. They tend to offer low prices. Encompass also offers good service. Online companies can do one thing for you that brick and mortar companies can’t. They can give you quotes and service 24 hours a day. They also respond to claims 24/7 so you have someone to put your fears to rest if you have an accident after office hours. Try calling your present insurance representative at 3:00 in the morning and see what kind of a response you get. It won’t be friendly, that’s for sure, if you get any at all.

People change insurance companies for several reasons but the biggest reason most people change is for price. Most people open their bill for their auto insurance, gasp for a second and dutifully write out a check for the amount shown on the invoice. They never take the time to get a quote from another company or even bother to see if they could get the same coverage for less money. The sad part, is that it only takes a few minutes when you do this online and you don’t have an agent calling you every ten seconds or pressuring you to make a change.

Why don’t people compare rates? There are many reasons. One reason is that they aren’t aware of how easy it is to do that. The second is that, like many things, it’s easier to go with the status quo and pay the higher price. This attitude costs people hundreds and thousands of dollars every year.

So, if you’d like to take a new path and save some money, how do you do it? Simply go online to one of the many different insurance sites and get a quote. You need to remember that when you look for price comparisons, you compare apples to apples. Make sure that you have the limits of your policy close at hand to compare exactly what you already carry to the new company’s offer. You aren’t getting any bargain if you get a better price but have less coverage.

Two important items to compare are deductibles and limits of liability. These are the places where prices differ the most. If you have a $250 deductible on comprehensive coverage and collision, you need to compare it to the same deductible. The deductible is what you pay out of your pocket before the company pitches in any money. The higher the deductible is the lower the cost to you.

The liability section needs to match too. If you get a better price, but the company doesn’t pay as much money to a person you injured, it may come out of your pocket and that defeats the whole purpose of insurance. Make sure any quote you get has the same liability limits.

So, quit blindly paying too much money for the same coverage. Comparing rates only takes a few minutes at Encompass Auto Insurance but you’ll be glad that you took the time to do it.