When people use the big national “captive” companies for their policies, most don’t realize these insurers have only one option to offer for any type of product such as auto, home, and business policies. So your auto proposal with them is the only option they have for you.

Say you take the policy without comparing with other companies and term after term the premium increases rather sharply even though you’ve had no tickets or accidents. Guess what? They can’t help you out.

It’s like shopping for a car at a dealer that has only one type of car. If it’s a good price and runs well for many years that’s great. But, if it’s an expensive car compared to other similar cars and tends to have mechanical failures, you are stuck.

Many people get stuck with these big national insurers and it’s understandable. They run constant TV commercials, internet ads, print ads, billboards, etc.

Folks, without any comparison, simply assume they must be the best and offer the best products at the best price with the best customer and claims service. They have built their brand and people trust them.

Yet, have you noticed their advertising has little or nothing to do about coverage, products, service, or what you can expect from them.

Many of the commercials are clever but won’t help you if you are paying too much, have bad service, or want a different option