It’s well known in clothing circles that off the rack items never fit as well as something that’s been custom-made and tailored just for you. Something made by a person who has gotten to know you, your needs and your unique characteristics will always be better than an anonymous, mass-produced item. So can you do something about that off the rack car insurance you’ve got?
Didn’t your insurance company customise for you during the quotation process? Well, not exactly. Off the rack car insurance cover is what you get when the only details you provide when getting a quote are your age, address, vehicle model and your previous driver rating.
This limited information is not enough to represent you as a real driver. It is barely sufficient to provide a sketch of you as an “average driver” and get you a premium based on that poorly drawn sketch. It’s very likely that it doesn’t represent your true driving risk profile and you’re likely paying the wrong price.
Can you prove that to your insurance company? Well, possibly—if they’ll listen. Yet most aren’t prepared to listen, as they’ve already figured out how to benefit from providing illusionary categories they’ve created for their customers. They’ll likely stick with their ways and you’ll be out of luck, unless of course you can find a company that really cares.
There is hope. You deserve a tailor-made premium instead of the mass produced price. You deserve to be paying for an insurance policy that really fits you—and these policies are available from a few select companies. They use many of the latest interactive technologies to quickly and easily customize your car insurance cover, and they can even do it online.
This technology allows these insurers to quickly and easily go beyond the basic questions to establish a more accurate risk profile for you. This more accurate profile allows for a more custom fitted price for you, so that you don’t pay arbitrary rates based on their assumptions. This greater accuracy often results in a better fit for a very important part of your life—your wallet!
Off the rack premiums overprice car insurance cover thanks to these assumptions. Once you establish yourself as an individual who is a lower risk than the average driver, you can get a lower rate from a company with tailor made pricing.
You may also receive greater discounts from tailor made insurance if you have a non-traditional driving profile. For example, if you are a housewife, work from home, or only use your car occasionally, you’re quite different from the average driver used in these off the rack insurance assessments. Therefore, you deserve something that fits you better.
It may seem a bit more inquisitive to go through an advanced “getting to know you” session with your insurer, but much like a trip to the tailor, a little extra measurement goes a long way! You’ll be pleasantly surprised at the difference from getting a standard insurance fitting. This is something that you can walk away from happily, knowing that you’ve truly found something that meets your individual car insurance needs.