Philadelphia Automobile Insurance

Excellent Options for Philadelphia Automobile Insurance Are One Call or Click Away!

Call Humphries Insurance at 215-646-5633 to find low-cost options for Philadelphia automobile insurance or use our convenient online quote system by clicking one of the two links below:

Philadelphia Automobile InsuranceThree Tips You Can Use Today to Keep Your Philadelphia Auto Insurance Rates Low!

Package Your Home and Car Insurance with the Same Company.

You can’t imagine how many individuals we talk to that haven’t taken the step and are automatically paying 20 to 30% more!

A number of companies selling car insurance in Philadelphia underwrite car insurance only and they sell home, renters, or condominium insurance policies through other companies.

Why is it a bad idea to buy car insurance from a company that only sells car insurance?

Because you are losing a multi-policy discount on your home insurance and this automatically causes you to pay more money in most instances when you consider both the car and home insurance as a package.

Some Companies Use Tricky Advertising to Make You Think You’re Getting a Package Discount.

They may claim in their advertising to offer package discounts on car insurance but what they are not telling you is that you will lose a multi-policy discount on your homeowners insurance policy when you switch your car insurance policy to them because they do not underwrite home insurance in their name.

Don’t fall for it. In the majority cases it’s better for you to purchase car insurance in Philadelphia when the company also underwrites homeowners insurance in their name as well.

What if you don’t own a home? Purchasing a renters insurance policy is the same as purchasing a homeowner’s insurance policy from a discount standpoint. It provides a substantial discount for both car and renters insurance when you combine both with the same company.

Don’t Purchase a Sports Car When You Have Drivers in Your Household under the Age of 21!

Did you know that many companies will automatically charge you more money when there are drivers in your household under the age of 21 and you purchase a sports car or other high-value vehicle?

Why do companies do this?

Because they know despite any assurances you may give your agent you are going to let your son or daughter drive that sports car or high-value vehicle!

They know it, so they’re going to charge you for it.  A sports car in the hands of a 16-year-old driver could be a claim waiting to happen in the eyes of most insurance companies so they will charge you accordingly.

What is the most important tip to save money on insurance in Philadelphia?

Shop the Market for the Best Options Available on Philadelphia Automobile Insurance.

Did you know that only an independent insurance agency can truly shop the market for clients to help them find deals on car insurance in Philadelphia?

Humphries Insurance is a leading independent agency in Philadelphia and you should call us today at 215-646-5633 to learn how we can help you find the best options available for Philadelphia automobile insurance.

If you find our website after hours click one of the two links below:

Newtown Square Car Insurance

Great Rates on Newtown Square Car Insurance, One Call or Click Away! 

Looking for home, life, business, or Car insurance in Newtown Square Pennsylvania or the surrounding areas? 

We can help!  Call 215-646-5633 or click Newtown Square Car Insurance for an online quote from top rated companies in our area. 

You can also request online quotes from Erie Insurance when you click Erie Insurance Newtown Square Pa. 

Newtown Square Car InsuranceMistakes We Make When We Buy Newtown Square Car Insurance. 

In our previous article, you can read about a technique we discussed that some insurance companies are using to save themselves money. Click here to view the page. 

If your credit score is at a certain level certain insurance companies will not order your CLUE or MVR report which in the past has been used to set your premium rates. 

For example the CLUE report shows insurance companies how many claims you have had in the last 7 years and the amount paid. The MVR report shows what is on your driving record. 

By not running these reports insurance companies are saving millions of dollars each year. 

However this strategy could cost policyholders a significant amount of money down the road and we will discuss this next. 

This is Why You Want Your Insurance Company to Run Your Reports. 

The headline above seems counter intuitive.  Let’s say you have excellent credit score but 3 speeding tickets on your driving record and your current insurance company knows about your tickets and gives you a large rate increase. 

Why would you care if the next insurance company doesn’t run your reports and you conveniently let it ‘slip your mind’ that you have 3 speeding tickets on your record so you can save some money? 

Note how one policy specifies your responsibility to be upfront with your insurance company: 

FRAUD AND MISREPRESENTATION 

Coverage is not provided to any person who knowingly conceals or misrepresents any material fact or circumstance relating to this insurance: 

(a) at the time of application; or

(b) at any time during the policy period; or

(c) in connection with the presentation or settlement of a claim. 

If you ‘forgot’ to tell your company about the 3 speeding tickets on your record and they didn’t run your MVR when they issued your policy because you have excellent credit, did you not misrepresent yourself on section (a) at the time of application because you did not disclose the 3 tickets? 

It might be argued that you did in fact breach your contract at the time of you signing your application. 

Would your insurance company invoke this clause? 

It depends on a number of factors and the insurance company itself. 

Here is the more important question: Would you want to take a chance that your insurance company could rescind your policy from its inception as if it never actually existed right after you are involved in a bad accident involving serious injuries or a death that you were found to be legally responsible for causing? 

That’s a personal question that only you can answer. 

If the insurance company rescinded your Newtown Square car insurance policy as you were facing a large judgment would you now see the wisdom of being totally upfront with your insurance company right from the start? 

Naturally it would be too late after the fact, but it’s our opinion it would be a good idea for the insurance company to run the reports upfront, just in case something ‘slipped your mind.’ 

In our next article we will discuss a situation that doesn’t involve a large legal judgment but a large rate increase when companies don’t run reports initially from the start. 

Great Rates for Car Insurance in Newtown Square are One Call or Click Away! 

Call Humphries Insurance at 215-646-5633 or use our online insurance rate quote system when you click: 

Car Insurance Bryn Mawr Pa

If you’re looking for better options for home, life, business, or car insurance in Bryn Mawr Pennsylvania or the surrounding areas you have found the right agency! 

Call 215-646-5633 and speak to a representative with Humphries Insurance or use our convenient online rate quote system available 24 hours per day when you click on: 

Car Insurance Bryn Mawr PaMistakes We Make On Insurance. 

In our previous article Stan and Vicki found themselves in a bit of a pinch when an agent named Fast Fingers Eddie did not properly list all of the claims activity on their record.

Eddie issued a car policy that ended up costing Stan and Vicki $400 more than their previous policy and the new home policy was cancelled by the new company placing them in a huge bind! 

On top of this Stan and Vicki cancelled their previous policies which could not be reinstated

Could This Happen To You?  You Betcha! 

It’s important for you to verify to that agents or companies properly list all of your claim activity when you are shopping for new car insurance in Bryn Mawr Pennsylvania otherwise you might be in for a huge surprise later down the road as was true for Stan and Vicki. 

You can read their experience by clicking Upper Darby Car Insurance

Mistakes Made When Shopping for Auto Insurance Bryn Mawr Pa. 

Let’s discuss a technique some insurance companies are using to gain new customers that can lead to significant rate increases at some point in the future for policyholders. 

Typically insurance companies run a motor vehicle report, a CLUE report to determine claim activity, and a credit check to determine what rate to charge policyholders. 

Some insurance companies are now making a change to running reports. They will not run the CLUE or MVR report if your credit score is at a certain level! 

Why are companies doing this? 

There are 2 reasons. 

Some insurance companies are placing more emphasis on your personal credit versus your driving habits.  They are assuming that if you possess outstanding credit you will be less likely to cost the insurance company money. 

The second reason is based on trimming expenses. If the insurance company doesn’t order your CLUE or MVR report this saves the insurer money. 

For example if an insurance company is charged $8 for the MVR & CLUE report and they run 10 million quotes each year and half of the consumers seeking quotes have excellent credit, the insurance company would save $40 million dollars! 

That’s a huge amount of money and for this reason certain companies do this. 

However there is a bit of a catch with this strategy insurance companies are using that could cost policyholders a significant amount of money down the road and we will discuss this in our next article. 

Need Better Options for Car Insurance in Bryn Mawr Pa? 

Call Humphries Insurance at 215-646-5633 or use our online rate quote system when you click: 

Auto insurance Upper Darby Pa

If you’re looking for homeowners or Upper Darby Car Insurance call the personal lines specialist at Humphries Insurance by dialing 215-646-5633 or use our online rate quote system when you click Upper Darby Car Insurance. 

Want a quote from Erie Insurance? Click on Erie Insurance Upper Darby. 

In our previous article we discussed why it is important to include all tickets, accidents, claims, and not at fault accidents on your record when you’re requesting quotes for new car insurance. 

The reason why this is important is because you could receive a huge rate increase over and above the premiums quoted to you, or in a worst-case scenario a cancellation! 

What happens when the agent you request a quote from doesn’t input the correct information? 

Couple uid 1461578Mistakes Made When Shopping for Auto Insurance Upper Darby Pa.

Example: Stan and Vicki had been insured for many years through one agency and because of claim activity they received a large rate increase on their car and home insurance. 

Stan feels mistreated by his current company and decides to shop around.  He finds a new agent with a company that lowers their rates by 30% on both car and home insurance! 

Eager to take advantage of such a savings Stan meets with the new agent Fast Fingers Eddie and he issues a new car and home insurance policy for Stan and Vicki. 

About two weeks later Stan calls his soon to be former agent Michael to cancel his current policy. 

Michael expresses that he is sorry to see them go and he asks Stan if the new insurance company documented all of the activity on their driving record plus the two homeowner’s insurance claims they have had in the last three years. 

Stan confidently assures Michael that the new company issued a policy and checked everything. 

Michael asks another question: “Did you get the new policy yet?” 

Stan growing a bit irritated states “No but the agent promised we would be covered and accepted by the new company based on what was on our claims record.” 

Michael suggests, “It might be wise to get your new policy first before you cancel your existing policy just to make sure there are not any problems getting the new policy issued. I’m familiar with this particular insurance company’s underwriting standards and I don’t think they’ll take you Stan.” 

Stan wasn’t in the mood to argue so he requests the cancellation immediately and Michael takes care of that and wishes them the best. 

About 1 week after cancelling his previous policy Vicki called Stan at work in a bit of a panic. 

“Stan this new company you got us signed up with Fast Fingers Eddie is cancelling our home insurance policy and the rates on the car insurance are $400 higher than our old policy you just canceled!” 

Stan immediately called Fast Fingers Eddie and he hemmed and hawed and said something about some underwriting changes. 

Later that day Stan read the rejection letter from the new company where it clearly stated that the reason for the cancellation of the homeowners was due to undisclosed claims and the car rates are more because of undisclosed tickets. 

Stan calls his former agent back and they were able to find an insurance solution for them. 

What Lessons Can We Learn When Shopping for Insurance in Upper Darby Pa?

Always make sure agents properly list all of your driving and claims activity on your quotes otherwise you may not receive the rate as applied for! 

In our next article we will discuss a technique that some insurance companies use to gain new customers by not running their motor vehicle report and then later when an accident or claim occurs they run the reports and fully charge the insured with everything on their record at that time. 

Need an Agent You Can Trust?

Call Humphries Insurance at 215-646-5633 or click on: 

Tow Truck Insurance Philadelphia

Tow Truck Insurance PhiladelphiaAre you looking for tow truck insurance in Philadelphia or the surrounding areas? If so you have found the right company. 

Call 215-646-5633 to speak with a licensed agent when shopping for Philadelphia tow truck insurance. 

Or click on Tow truck insurance Philadelphia to submit your information to us online. 

Commercial Tow Truck Insurance Companies in Philadelphia Are Limited! 

Only a limited number of insurance companies offer tow truck insurance in Philadelphia. 

The agents of Humphries Insurance can shop the market with top rated companies offering commercial truck insurance no matter if you are a brand-new business or an existing company with years of experience. 

When shopping for Philadelphia commercial tow truck insurance it’s important not to purchase only the minimum liability limits.

Choose Your Liability Coverage Wisely. 

Because towing insurance in Philadelphia is not inexpensive some tow truck operators may be tempted to purchase only a minimum amount of coverage assuming that an accident will never occur. 

Claim Scenario: Steve Jacobs has worked for the same towing company for years when the owner decides to sell his business to a competitor and Steve is out of a job. 

Steve’s girlfriend Joanne suggest that maybe he should open up his own shop since he has a good relationship with many of the local law-enforcement officers. 

Steve finds a used tow truck for a very reasonable price, secures a loan and begins to contact his law enforcement friends to let them know he is now in business for himself. 

Steve then remembers that he needs towing insurance so he calls around only to discover that the insurance rates for a new start up towing business without previous insurance is quite expensive. 

Steve tells the agent offering the best deal on a particular Philadelphia tow truck insurance policy to reduce his coverage from $1 million down to the state minimum liability limits of $15,000 per person/ $30,000 per occurrence with $5,000 in property damage. 

Steve makes his down payment and immediately begins to receive jobs from local law enforcement. 

About six months later Steve is transporting a wrecked SUV to the city impound lot when he hits a patch of ice and slams into the back of a Honda Civic completely crushing the car and sending the passenger to the hospital. 

The claim is submitted to Steve’s insurance company and he receives a return phone call the 3 days later from the claims adjuster advising Steve that he may want to speak with an attorney because he had already heard from the family of the driver of the Honda Civic and a lawsuit was filed against Steve seeking $500,000 in damages! 

The claims adjuster advises Steve that since he only has $15,000 of coverage for bodily injury this amount of coverage will exceed the policy limit and the insurance company’s duty to defend Steve would end when they make an offer to pay the maximum out under his insurance policy. 

Steve hires an attorney and eventually a judgment of $217,000 is ordered by the judge. 

Steve is forced to close his new company and liquidate all of his assets to cover the judgment.

It Might Be a Mistake to Purchase the Minimum Limits When Shopping for Philadelphia Tow Truck Insurance! 

Many towing companies carry $1 million of liability insurance in our area, but would that be enough insurance coverage if you were held legally responsible for an accident that involved a serious injury or even a fatality? 

Perhaps not. It’s important to choose your liability limits wisely. 

Call the licensed representatives of Humphries Insurance at 215-646-5633 for Pennsylvania tow truck insurance quotes. 

Or use our convenient online system to submit your information to us when you click on: Tow Truck Insurance Philadelphia

Tow truck insurance is also available in the following communities: 

  • Tow Truck Insurance Blue Bell
  • Tow Truck Insurance Doylestown Pa
  • Norristown Tow Truck Insurance
  • Tow Truck Insurance Upper Darby
  • Havertown Tow Truck Insurance

Car Insurance Haverford Pennsylvania

Car Insurance Haverford PennsylvaniaIf you’re looking for homeowners, life, business, or car insurance in Haverford Pennsylvania and the surrounding areas you have found the right website! 

Humphries Insurance has provided competitive insurance solutions in Pennsylvania for many years and is a leading independent insurance agency in Haverford Pennsylvania. 

Call 215-646-5633 to learn about all of our available services for individuals, families, and business owners. 

Need an online quote in five minutes or less? Click on Car Insurance Haverford Pennsylvania, or Haverford Pennsylvania Home Insurance

We also represent Erie Insurance.  Click Erie Insurance Haverford Pennsylvania for online car or home quotes from this company.

Mistakes Made When Shopping for Car Insurance in Haverford Pennsylvania. 

In our previous article we discussed the importance of disclosing all tickets/accidents on our driving records when shopping for new insurance in Pennsylvania. 

The reason it’s important to take this step is because we may not qualify for the rate quoted which can result in either a rate increase, cancellation, or both as was true for the example we used of racing Ricky. 

You can read about Racing Ricky’s experience to see how he learned the hard way to disclose everything on his driving record by clicking on Racing Ricky’s Experience

In this article we are going to consider how some policyholders can through no fault of their own either receive a rate increase or a cancellation notice from their insurance company because the agent did not properly document all of the activity on the insureds driving record

What Steps Can You Take to Avoid a Situation like This? 

If you decide to shop for new car insurance in Haverford Pennsylvania or the surrounding areas make sure that any new insurance quotes include all tickets, accidents, claims, and not at fault accidents on your record. 

Why should you not forget to count not at fault accidents on your driving record? 

Unfortunately not at fault accidents can change your premium rates.   Some insurance companies count not at fault accidents just as much as at fault accidents when you have two or more in five years! 

So in summary it is vital to properly disclose everything on your driving record otherwise you may receive a significant rate increase over and above the premiums quoted to you, or a cancellation which could place you in a very bad situation!

In our next article will discuss what happened to Stan and Vicki who failed to take this action and verify that the agent properly documented all activity on their record. 

Need a Great Insurance Agent in Haverford Pennsylvania?

Call Humphries Insurance today at 215-646-5633 in one of our licensed agents will help you find the coverage you need at an affordable price. 

If it’s after hours please use our online rate quote system by clicking one of the three links below:

Havertown Car Insurance

professional woman uid 1102525Need a great agency offering homeowners, renters, condo, business or car insurance in Havertown Pennsylvania and the local areas? 

Call 215-646-5633 and speak to Humphries Insurance when you are shopping for all types of Insurance in Havertown Pennsylvania. 

As a leading independent insurance agency in Havertown we can help you find the coverage you need affordably. 

Click on Havertown Car Insurance or Havertown Homeowners Insurance for online quotes from up to 10 leading companies. 

Mistakes Made When Shopping for Havertown Auto Insurance.

In our previous article we discussed the importance of properly disclosing all activity on our driving record. 

What can happen if we fail to take this step? 

Example: Racing Ricky has a lead foot and has accumulated five speeding tickets over the last 18 months.  Ricky’s current insurance company noted his need for speed along with five extra speeding tickets and doubled his insurance premiums

Doubling Ricky’s insurance premiums came as a bit of a surprise to Ricky’s current insurance agent after he discussed the matter with him because he thought the company would cancel him because of his driving record

Racing Ricky doesn’t like his new insurance premium so he shops around and conveniently forgets to tell the new agent about three of the five tickets assuming they won’t find them since they occurred in different states. 

The premium rate is half of what his current company wants to charge him and so racing Ricky buys a policy from the new company and cancels his existing policy despite his current agent encouragement not to take this action because he can’t believe the current company is offering Ricky the premium rate that they are. (Ricky conveniently forgot to tell his old agent that he didn’t document all of his violations) 

Two weeks later Racing Ricky receives a cancellation notice in the mail from the new company because five speeding tickets violate their underwriting guidelines so they return Ricky’s down payment check. 

Ricky now races to the telephone to call other agents to only discover that the best rate he can now find is triple what he was paying before! 

Ricky calls his former agent and much to his dismay they will not reinstate his old policy he just canceled so Ricky is forced to pay three times more money than what he was before! 

This is What Can Happen When We Don’t Disclose Everything on Our Driving Record!

In our next article we will relate 1 additional example of how agents/companies may not properly document or list all of your tickets/accidents on your record. 

This can also lead to either a cancellation notice issued soon after you buy a new insurance policy or at some point in time you will receive a substantial rate increase!

Need Better Options for Havertown Car Insurance?

Call the licensed agent of Humphries Insurance at 215-646-5633 during normal business hours or use our online rate quote system which is available 24 hours per day by clicking one of the links below: 

Need Insurance in other areas? We proudly serve the following communities in the greater Philadelphia area: 

  • Car Insurance Haverford Pennsylvania
  • Car insurance Clifton Heights Pa
  • Auto insurance Springfield Pa
  • Auto insurance Upper Darby Pa
  • Auto insurance Folsom Pa

Auto Insurance Collegeville


Auto Insurance CollegevilleCall 215-646-5633 and speak to the licensed representatives at Humphries Insurance when you are shopping for business, home, life, or auto insurance in Collegeville Pennsylvania and the surrounding areas.

If you would prefer an online quote click Auto insurance Collegeville and you will receive up to 10 quotes in 5 minutes or less from companies in our area.

Quotes from Erie Insurance are also available online when you click Erie insurance Collegeville Pa.

Mistakes Made When Shopping for Collegeville Auto Insurance.

In a previous article we discussed how insurance buyers can fall victim to bait and switch insurance pricing.

One policyholder in their objective to save money had an unethical agent double their deductibles and cut their liability coverage in half to save them money without their knowledge.

The practical lesson learned by this example is to double check that the limits of liability and deductible are the same before you buy a policy from the new company.

In this article we are going to discuss the importance of making sure that all of the tickets/accidents on your record or other drivers listed on your policy are properly disclosed and documented.

Why Should You Disclose All of Your Driving and Claims Activity on Your Record?

Years ago it was a little easier to conveniently ‘forget’ about a ticket or accident on your record prior to the spread of computing technology.

Today insurance companies have established a national database where they can check all of your claim activity and moving violations in every state and territory in the United States and they can do that instantly at a push of the button.

So when you are shopping for car insurance in Collegeville Pennsylvania and the surrounding areas try your best to disclose upfront all of your activity.

What Can Happen to Your Newly Purchased Policy When the Company Discovers Additional Tickets or Accidents on Your Record?

Failing to disclose everything on your record may cause either a cancellation notice to be issue soon after you buy the policy or you will receive a substantial rate increase!

Receiving a cancellation notice or a significant rate increase can cause policyholders big trouble and defeat the purpose of switching to a new company in the first place!

In our next article we will share an example of how this exact situation might happen to any person who fails to properly disclose all tickets and accidents on your record even if you don’t believe you think it matters.

Need Better Options for Auto Insurance in Collegeville Pennsylvania?

Call 215-646-5633 and speak to the hometown agents at Humphries Insurance or use our convenient online rate quote system using the below links:

Need Insurance in other areas? We proudly serve the following communities in the greater Philadelphia area:

  • Auto Insurance Havertown Pa
  • Auto insurance Newtown Square Pa

Car Insurance Conshohocken Pa

Car Insurance Conshohocken PaIf you are looking for better pricing for homeowners, business, or Car insurance in Conshohocken Pennsylvania or any of the surrounding areas in Pennsylvania, contact Humphries Insurance by calling 215-646-5633. 

Humphries Insurance is a leading independent insurance agency in Conshohocken and we represent top insurers including Erie Insurance in Conshohocken Pennsylvania. 

Price quotes are available in 5 minutes or less using our online system.  Click any of the links below: 

Mistakes Made When Shopping for Conshohocken Insurance. 

In a previous article we discussed how insurance shoppers can fall victim to bait and switch insurance pricing. 

Upon occasion some unscrupulous agents/companies will take one of the below actions to earn your business:

  • Quoting limits of Conshohocken auto insurance liability that may be lower than your current coverage.
  • Will increase your deductibles without your knowledge hoping you won’t notice it on your new insurance policy you just purchased from them.

Examples of How Bait and Switch Happened To One Policyholder:

A notice was received by an agency that one of their policyholders was switching to a new company.

The policyholder had been insured with the agency for a number of years and they asked the client why they were switching.  They stated they had got a rate that was about $25 lower per month and because they were on a fixed budget they needed to save every dollar they could.

The agency representative asked the policyholder if the coverage was matched up apple to apple.

The policyholder assumed that was the case and pulled out their new declaration page only to discover that not only were the deductibles doubled but the liability limits had been cut in half!

The agency representative asked the policyholder if they were aware their deductibles have been doubled and their liability limits cut in half?

The policyholder was not aware of this fact and was quite shocked. They immediately canceled their new policy because deception was used to encourage them to switch their insurance.

What lessons can be learned by this example?

Always make sure you verify your limits of liability and deductible are the same!

In our next article we will discuss another common mistake that sometimes policyholders make when they do not properly disclose all of the tickets/accidents on their driving record.

Failing to disclose everything on your record may cause either a cancellation notice to be issue soon after you buy the policy or you will receive a substantial rate increase!

We Never Use Bait and Switch to Earn Your Business!

The professionals at Humphries Insurance never use bait and switch tactics to earn your insurance business.

So when you’re shopping for business insurance, home insurance or Car insurance in Conshohocken Pennsylvania you can trust our team to match up your limits of liability and deductibles to your exact specifications.

Call us at 215-646-5633 to speak with one of our licensed representatives or use our convenient online rate quote system by clicking one of the links below:

Need Insurance in another area? We also serve the following communities in the greater Philadelphia area:

  • Auto Insurance Bryn Mawr Pa
  • Home Insurance Bryn Mawr
  • Erie Insurance Bryn Mawr
  • Havertown Car Insurance
  • Havertown Home Insurance
  • Erie Insurance Havertown
  • Car Insurance Wynnewood
  • Homeowners Insurance Wynnewood

Car Insurance Norristown Pa

Car Insurance Norristown PaAre You Shopping for Home or Car Insurance in Norristown Pennsylvania and the Surrounding Areas?

Call Humphries Insurance at 215-646-5633 or use our online rate quotation system by clicking on Car Insurance Norristown Pa, Home Insurance Norristown

Quotes from Erie insurance are also available when you click on: Erie Insurance Norristown Pa

Mistakes Made When Shopping for Auto Insurance in Norristown Pennsylvania. 

In previous article we discuss why our Norristown Pennsylvania independent agency is a great place to purchase insurance.  The reason why is based on the fact insurers typically represented by independent insurance agencies do not spend much money if any on expensive television commercials thereby passing the savings on to policyholders. 

Today we are going to discuss why you need to verify your insurance quotes before switching to a new insurance company. 

Trust but Verify When Shopping for Insurance in Norristown Pennsylvania.

As was mentioned in a previous article the insurance industry is quite competitive.  There could literally be hundreds of different companies trying to earn your business all at the same time.

Because it is so competitive sometimes agents or companies will use techniques that are less than ethical to earn your business.

Watch Out For This Bait and Switch Trick! 

It’s likely that you are familiar with the term bait and switch. A company advertises one price but when you show up to buy the product or service it’s a different price hence, bait and switch.

This happens occasionally in the insurance industry by a relatively few unethical insurance agents with high expectations from their companies along with large production quotas. 

This type of unethical business behavior is not widespread but it does take place and we want to show you how to avoid this type of situation that could harm you financially down the road in the event of a catastrophic claim.

The Insurance Bait and Switch Trick.

Please note 3 types of bait and switch tricks we have observed over the years:

  • Agents/Companies quoting limits of liability that may be lower than your current coverage.
  • Agents/Companies Increasing deductibles without your knowledge hoping you won’t notice it on your declaration page.
  • Agents/Companies Not listing all of your violations or claims on your record.

In our next article we will relate 1 example of how bait and switch works by some agents/companies to earn your business.

We at Humphries Insurance Never Use Questionable Tactics to Gain Your Trust!

As a leading independent insurance agency in Norristown Pennsylvania we work with our clients to come up with proper insurance solutions for your individual financial needs.

We offer highly competitive solutions for car, home, business, and life insurance. Call us at 215-646-5633 during normal business hours or use our online rate system by clicking on the below links:

  • Car Insurance

    A common mistake made by insurance shoppers is assuming coverage is identical between insurance companies.

    You might have the same limits of liability and deductibles with two different insurance companies, yet the claims results can be completely different.

    That's why it's important to work with our insurance team. We will help you put together an insurance plan to meet your individual needs.

    Call us today at 215-646-5633 or use our convenient online rate quote system when you click on instant quotes for car or home insurance!

  • Home Insurance

    Do you know the difference between the HO3 and HO5 Policy Form?

    The difference in coverage between the two policy forms might mean the difference between a claim being covered or denied on your personal property!

    The HO5 is a superior policy yet the majority of home insurance policies sold today is the HO3!

    Call us today at 215-646-5633 or use our convenient online rate quote system when you click on instant quotes for home insurance to learn why the HO5 is better!!

  • Business Insurance

    There are a variety of different types of business insurance policies available for companies.

    From General Liability, Business Property Coverage, Commercial Auto, Workers Compensation Insurance, Employers Liability Insurance, Professional Liability Insurance, Commercial Crime Coverage, Inland Marine Coverage, Cyber Liability Insurance, and many more.

    We at Humphries Insurance can help you choose the coverage most appropriate for your company.

    Call us today at 215-646-5633.