Customer Service

1. Needing Information About a Specific Insurance Company

It’s one thing to compare the prices of a product and decide from there, but insurance requires more consideration than that. Every company has its strengths and weaknesses that go beyond what it charges for its premiums. It may be worth taking on a more expensive monthly payment simply because you like a company’s customer service or experience more.

Consider that Geico is often prized for having consistently cheaper rates than its competitors. However, GEICO can charge less initially because their clients usually submit all claims through their online platform. Thus, they don’t have to pay for real agents to assist in the process. This is certainly cheaper but is a lot less helpful from a customer service standpoint.

The opposite of this would be a company like State Farm, which has a robust network of agents that can help its clients whenever necessary. This comes with a streamlined website and flexibility with polices that you can’t find anywhere else. Thus, the higher rates come with a better experience overall.

Getting to know these differences is something we can certainly help you with through our helpline.

2. Wanting to Know How to Get Cheaper Rates

By far, one of the most common reasons people call us is to get information about lowering premium costs. We have plenty of advice in this regard. While it may be tempting to take whatever rates you can presently get, it can be worth your while to take small actions for better deals.

We will often advise that people try taking a defensive driving course. Auto Insurance providers want to see that their clients take safe driving seriously. It helps mitigate the everyday risks of the road, and thus insurance providers will either lower your premiums as a reward or expunge negative marks on your record.

We may tell you that offering to raise your deductible is the wisest way for you to cheapen rates. By taking on more responsibility in the event of a claim, your insurance company will likely require significantly less per month. There are also numerous ways to find discounts by doing things like upgrading your vehicle or using more public transportation. Give us a call, and we can advise you on what steps to take that best suits your circumstances.

3. Difficulty using the Website or Services

Unfortunately, technical challenges will happen eventually. Though we take the daily management and upkeep of our website and tools seriously, problems will likely arise at some point. Bugs, bad connections, and faulty updates may interfere. In which case, the customer service line is here to walk you through the issue or provide the services you are looking for. Our helpline is our safety net should any technical hiccups occur.

4. Wanting to Know the Insurance Laws of Your State

One of the most daunting parts of deciding on the best auto insurance is understanding how state laws alter the costs of premiums. Consider the fact that 49 states require auto insurance by law while New Hampshire simple requires proof that drivers can handle the liability should an accident occur.

Rates change from state to state not only because specific laws alter things like minimum policy requirements, but factors like population density, weather patterns, and the cost of living also affect premiums. Therefore, its vitally important that you understand exactly how your state affects what you pay. Our helpline can assist regardless of where you live.

5. Wanting to Know How Your Vehicle Affects Prices

The type of vehicle you drive is a major factor in how insurance providers calculate your premiums. People will frequently call the customer service line to understand how the profile of their vehicle changes costs. The type of car you drive is connected with numerous variables that lower and raise prices. An insurance company might note that drivers of the certain vehicle are in more accidents than another model and thus will automatically raise rates. They may note extra safety features or low theft rates to cheapen costs.

Furthermore, the way in which the vehicle is used will make a significant difference as well. There are rate changes between using it for things like commuting, business, long-term travel, or ridesharing, to name just a few categories. Even just the annual mileage in relation to where you are will change things.

Conclusion:

Unless you are having issues with the website, then the common denominator is often that you need advice picking the right rate for you. The Unique Insurance customer service number is there to help answer any and all of your questions about shopping for the best insurance deals. Comparing and contrasting rates can often go way beyond just the numbers. Our helpline can shine a light on these factors and get you the premium and company that serves your needs best.