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Old 04-04-2012, 02:58 PM   #1
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Insurance

Our insurance (GMAC) is coming up for renewal so I wanted to get a comparison. At the Phoenix Good Sam rally Miller ins had a booth so I filled out their forms.

When we got back there was a message from them on our phone. They wanted to know what we were paying now so they could be sure they were in the right ball park!!

Why would I tell them what I'm paying now since I wanted to compare prices?
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Old 04-04-2012, 03:00 PM   #2
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I wouldn't.
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Old 04-04-2012, 03:07 PM   #3
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Read the fine print and make sure the coverage is the same.
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Old 04-04-2012, 03:10 PM   #4
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I would tell them. When I'm comparing insurance (or buying a car, or buying a warranty or whatever) I'll usually check several different agents and I'll be totally upfront about costs and benefits. I want them to beat what I've got and get me better or equivalent insurance at a lower rate!
Helps with negotiating too.
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Old 04-04-2012, 03:18 PM   #5
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When I went shopping for auto insurance, I blacked out the pricing on our decs page and faxed it to many brokers/agents. Worked out good for us. Saved lots of $$ for the exact same coverages and deductibles.
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Old 04-04-2012, 05:37 PM   #6
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I wouldn't have a problem telling them what I now pay. Gives them a target to shoot for, and they don't have to bother you again if they can't beat your current rate.
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Old 04-04-2012, 06:31 PM   #7
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Why not check with Explorer? I had a very pleasant suprise
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Old 04-04-2012, 06:35 PM   #8
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Personally I don't think I'd tell them. It's kind of like when I canceled direct TV a year ago they asked why and I told them dish had a better offer going. At that point Direct was ready to match and provide more services, etc. They did not (offer to) come down on fees until I was looking at someone else for service - I'd probably stayed with Direct if they made an offer to keep my business before they found out I was leaving them. OK, I understand that's how it works but I don't have to play the game the way they want me to. And now I've canceled dish but that's another story. As long as you are looking at different insurance you might give Hi Sage Marketing in Escondido, CA a shot. They are on the net.
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Old 04-04-2012, 06:39 PM   #9
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Get their quote for identical insurance, THEN tell them.
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Old 04-05-2012, 07:46 AM   #10
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Quote:
Originally Posted by WheelingIt View Post
I would tell them. When I'm comparing insurance (or buying a car, or buying a warranty or whatever) I'll usually check several different agents and I'll be totally upfront about costs and benefits. I want them to beat what I've got and get me better or equivalent insurance at a lower rate!
Helps with negotiating too.
You could be right or you could be wrong. I think that they only want to know so they can be sure and beat the price you are paying now and then in a year or so they will find a reason to jack it up above what you were paying after getting you to buy theirs.
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Old 04-05-2012, 08:31 AM   #11
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I to am with GMAC , but looking to change this year , anybody happy with their insurer ??
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Old 04-05-2012, 09:59 AM   #12
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Quote:
Originally Posted by Bill2
You could be right or you could be wrong. I think that they only want to know so they can be sure and beat the price you are paying now and then in a year or so they will find a reason to jack it up above what you were paying after getting you to buy theirs.
Bill O.
Well I want them to beat my current price, and they'll jack it up the following years no matter what. So I consider the negotiation worth it.
Just the way I've always functioned. Spent 12 years in semiconductor sales so had to do some hard negotiating in my time and it's in my blood I guess
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Old 04-05-2012, 10:09 AM   #13
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Originally Posted by jimmyjnr
I to am with GMAC , but looking to change this year , anybody happy with their insurer ??
I recommend trying Geico (been happy with them for years and they're not covered by any brokers) and then getting a comparison quote from one of the brokers that specialize in RVs

Millers RV Insurance
http://www.millerrvinsurance.com/

Gilbert RV Insurance
http://www.gilbertrvinsurance.com/

Your best quote/coverage will depend very much on your area and situation. In SD where we are based Geico and Allied have rates about half the $$ of GMAC for out age/situation.
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Old 04-05-2012, 10:35 AM   #14
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When sourcing anything big from several possible vendors I issue an RFQ (request for quote) with my requirements. No vendor ever gets any other vendor's pricing or identity. (The only reason they want that is so they can beat your other guy by a smidge. I want them to beat the other guy by a mile.) I might issue an RFQ to two agents from the same vendor, without letting them know. Sneaky, huh?

I will only issue an RFQ to vendors that have a positive reputation. So I research reputation first, then issue the RFQ to the ones who pass the smell test. Part of the reputation research is done right here by searching the forum and others like this one.

I will let them know that they are 1 of X number of others who received the identical RFQ, and that I will be making a decision on a given date, or when I have received all responses which ever comes first.

Once I get pricing, I will talk to them individually about value-added stuff. What is their claims process? Can I suspend my coverage during the off season when my coach is stored? How quickly after a claim will I receive a check? Do I have a local agent I can schmooze for better price at renewal? Will the person that answers the customer service phone speak English as a first language? Will I get a toaster for signing?

Best price + the one with the value-added perks I want gets the business. There is no back-and-forth. There is no second chance.

During the year, I will re-evaluate them based on their performance on any claims I may have and any other interactions we have. Next year, if I have reason to (bad claim experience, call center in India, lower prices), I do it all again.

The whole process takes a couple of days, and at the end I'm pretty sure I have the best deal I can get.
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