1 /5 Todd Anderson: Non-empathic agency representative. Called today @rougly 11:30AM interested in getting a holistic quote for the family to include my wife, I and 19-year-old son who is attending college. I heard that auto-owners was an insurance carrier that was one that was affordable for those that are adding 19-year-olds but this agency represents many. I am a currently with another carrier that wants $440 per month additionally. We have great credit, no violations or claims, current defensive driving and straight A student. I spoke with a representative "Kathy" who informed me that she would need a declaration from my current carrier, and I shared that I want to compare what they advised I should have. I mentioned that I am just looking for what they recommend and not a comparison to what I currently have as I believed that I was over insured. She informed me that I could not have enough insurance, and she would not be able to quote without a declaration and she would not be able to help me. I felt like this is just another sales pitch of not being able to tell us what we need but what they want to sell us. I have had this tactic the same with home repairs as the contractors providing the estimate as you if you have had other estimates and they want to see them. With respect to over insuring, I have full coverage on a 2006 Toyota Sienna. Why would I continue this coverage when my vehicle is only worth roughly 2K. If you have collision or comprehensive, there is a good chance that the damage would be more than the car is worth compared to the cost of repair, hence the insurance company would total the car and give me the 2K rather than repair. Im paying for coverage I dont need so would liability, uninsured motorist and riders not be a viable consideration? I called Whorton Agency based on great Google reviews, but what I found was a horrible customer experience. The large reason I sought out an agency vs. just an online or direct quote was in the hopes for someone to build a relationship with, someone to share options, I was less than impressed. I am happy to say that there are other agencies in Carroll County that are more empathic, and I found one that aligned to my financial needs and needed coverage. My advice, shy away from matter of fact non emphatic pushy representatives when you find them and move to the next on the list. There are still good ones out there and I now have coverage for the fam!




