A T Spence and Son!
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Saving money is a vital concern for nearly everyone in these difficult times. Because of this, it is important that you find the best possible rate for your auto and homeowners insurance policy. Luckily, it is much easier to find a great rate for insurance now than ever before.
In the past, you were pretty much stuck accepting whatever type of insurance your agent could find for you. Then, around ten years ago, nearly every insurance company started offering their product online. Soon after, people started feeling as though they were insurance experts, and handled their polices online themselves. This wasn't a bad thing—in many cases. However, there are downfalls to working directly with the insurance companies. While some don't mind, sitting on hold waiting for an 800# to answer is what to expect from the large insurance companies who don't know (or care) who you are, and only know you by a policy number. Our goal has always been to offer personal service.
In many cases, insurance customers do not understand what type of coverage they need. Many companies now offer the terrific sounding "name your price" option... which can lead to serious consequences and is something that should be avoided as much as possible. Yes, we all want a good rate - but not at the risk of being tied up for years paying off a claim with inadequate coverage.
Remember - in most cases, cheap insurance means poor coverage.
Because of this, working with an independent agency is actually still a superior way to obtain insurance. We can help you get the coverage you need at a price you can afford. Working with companies in the office - Safeco, Progressive, Agency Insurance company of Maryland, National General, and Bristol West, we will be able to compare rate and try to obtain you the best coverage at the best price.
In order to compare a rate you may currently have with another company, it is necessary to make sure you provide the correct information. Each line of your Declarations Page can change the pricing, so please have that available if you call. Spend some time researching the options, and then choose an independent agency that will make things easy for you and save you money too.