Breaking up with my car insurance agent

Yeah, I didn't like the proposal that got sent to me by my car insurance agent.  It just didn't sit well.

I had a feeling it would be more and it was.  Initially I looked and saw $117 plus the $2 fee for monthly deduction.  Whatever with those extras.  Then I realized that was for the auto alone.  Then there was the renters.  Renters insurance has never done anything for me but I know I have to have it.  $20.31 plus another $1 fee.  I thought this just seems depressing.  Kind of mixed reviews for Integrity Insurance.

I thought well, I'm going to be getting an extra $46 with the energy bill going down.  Maybe that will make up for the difference.

I sent a request to get a quote for this agent over on the southeast side of town.  My old neighborhood.  I was familiar with the agency because I walked by it many times when I lived in the area.  

It was Frick who mentioned she went to the woman that runs the agency and suggested that I go there.  It was maybe 7 or 8 years ago and I didn't think anything of it. Frick thought I paid too much and I agreed but I felt loyal.  I have been with the agency since I got my first car.

It was the agency owner's dad who was very kind and soft spoken when he came over and signed me up for insurance.  His son took over and over the years, I've had some interaction with him.  Some of it hasn't been good.  Now when I email him directly he will punt me over to one of the women that work there.  Not all of them are friendly.  I had been bothered by the waiting game they put me through but I thought well, they'll come up with something.

I got a response in 10 minutes for a quote from the woman in my old neighborhood.  I asked more questions and she answered pretty quickly.  The insurance would be about the same as what I'm paying and I might have to pay the renters for the year.  It's better insurance.  It's gotten better reviews and teh woman at the body shop recommended them.  I feel better about this.

I looked at the reviews that my current agent's office got.  You can't always tell from reviews sometime but I did with the ones in the last year.  It talked about service going down and the agent's son seemed to have something smart to say to a bad review.

I never broke up with an agent before. I asked my mom if I had to and she said yes, I have to tell them and I don't owe them anything.

I have to remind myself it was his dad that signed me up not him all those years ago and it's not a disloyal thing to find a better policy and work with someone that won't make me feel like an imposition.

I hope this works out Tuesday morning. I know the clock is ticking but thanks to my agent's office, they put me in that position.

I won't tell them off.  I'll be polite and thank them.  Let someone else tell the truth.  

Here's hoping Tuesday morning goes well.  I'm ready for this change.  

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