had my ai pull our current policy limits, check our claims report for errors, then compare quotes at the same coverage, plus a cheaper tier for the older car
Recipe No. 34
Re-Shop Car Insurance Apples-to-Apples (Check Your Claims Record First)
Serves Households with two cars who have not compared insurance in years
Gather current policy limits, request the consumer claims report to check for errors, compare new quotes at the same coverage, and price a lower coverage tier for an older car.
You will need
Method
Have the agent read your declarations pages and write down your current limits per car.
Request your consumer claims report and ask it to flag anything that looks wrong, then help you dispute it politely and firmly.
Get quotes at the exact same limits so the comparison is fair.
Price one variant: lower coverage on the older car only, and show what you save against what you give up.