by Denise Calaman

Created on: August 11, 2008   Last Updated: January 21, 2009

There are many changes taking place in the auto insurance industry these days all to benefit you, the client. The world wide web has been the biggest factor in changing an industry that used to have neighborhood agents working as the backbone of the industry. Today,the auto insurance industry and the neighborhood insurance agent, have to really work for your business, when just a short time ago there wasn't as much competition. Clients used to have to come in to purchase insurance, make payments and endorse policies. As agents we worked 9 to 5, no weekends, leave a message after five and on Saturday. Now clients have more options than ever before when purchasing, paying and endorsing their auto policies.

Auto insurance agents are still stingy with their weekends but these days don't sweat making it across town to pay your overdue premium before Friday at 5 pm. I've seen quite a few accidents that fit this ironic scenario as my clients would then see me not only to pay their bill but also to report an accident. The Internet makes it possible for clients to pay their bills online, report claims, and to make changes to existing policies.

You may also receive quotes and purchase a policy on the Internet; however, I urge you to always talk over a quote with a neighborhood agent personally so you understand your coverages. Many auto insurance companies have 24 hour customer service available. Now I can't speak for all companies but beware, some companies have offices overseas. What does someone from India know about coverages in any of the 50 states? Sometimes that stingy neighborhood agent can be your best friend.

I Really Need to Check Around-

Firstly, it's important to know that even if you aren't in the market for a new policy, you should review all your insurance policies every six months or annually depending on when they renew. This will ensure that there are no errors on your renewal policy and if you are in the market for new insurance your renewal information will help other agents quote an apples to apples' policy.

It's also important to check your renewing policy at every renewal because our fast paced lifestyles are ever changing. Your financial position, whether or not you own your own home, the amount of children you have and their ages, and your occupation are just a few examples of what could change your premium. If you own your own home or have a lot of assets you need to carry higher coverages than someone who rents. If you recently retired, you might

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