Get the Best Rate: OWS Agents Shop 40+ Carriers

insuredbybenjamin
Jul 8
5 min read

Finding the best car insurance rate can feel overwhelming. With so many options available, how do you know you are getting the best deal? This is where OWS agents come in. They shop over 40 carriers to find you the best rate possible. In this blog post, we will explore how this process works, why it matters, and how you can benefit from it.

Understanding Car Insurance

Car insurance is a contract between you and an insurance company. You pay a premium, and in return, the company provides financial protection in case of accidents, theft, or damage. There are different types of coverage, including liability, collision, and comprehensive.

Types of Coverage

Liability Coverage: This is the minimum required by law in most states. It covers damages to other people and their property if you are at fault in an accident.
Collision Coverage: This pays for damage to your car after an accident, regardless of who is at fault.
Comprehensive Coverage: This covers non-collision incidents, such as theft, vandalism, or natural disasters.
Uninsured/Underinsured Motorist Coverage: This protects you if you are in an accident with someone who does not have insurance or does not have enough insurance.

Understanding these types of coverage is essential. It helps you make informed decisions about what you need and what you can afford.

The Role of OWS Agents

OWS agents are experts in the insurance field. They know the ins and outs of various carriers and can help you navigate the complex world of car insurance. Their primary goal is to find you the best rate possible.

How OWS Agents Work

Assessment: First, they assess your needs. They ask questions about your driving habits, the type of car you drive, and your budget.
Shopping Around: Next, they shop around. With access to over 40 carriers, they compare rates and coverage options. This saves you time and effort.
Personalized Recommendations: After gathering all the information, they provide personalized recommendations. They explain the pros and cons of each option, helping you make an informed choice.
Ongoing Support: Even after you choose a policy, OWS agents continue to support you. They can help with claims, renewals, and any questions you may have.

Why Shopping Multiple Carriers Matters

Shopping multiple carriers is crucial for several reasons. It ensures you get the best rate and the right coverage for your needs.

Cost Savings

By comparing rates from different carriers, you can save a significant amount of money. For example, one carrier may offer a lower premium but less coverage, while another may have a higher premium but better benefits. OWS agents help you find the right balance.

Tailored Coverage

Every driver is different. Your needs may vary based on your driving history, the type of vehicle you own, and your financial situation. OWS agents take these factors into account, ensuring you get coverage that fits your lifestyle.

Access to Discounts

Many insurance companies offer discounts for various reasons. These can include safe driving records, bundling policies, or being a member of certain organizations. OWS agents know which carriers offer the best discounts and can help you take advantage of them.

The Process of Getting a Quote

Getting a quote through OWS is simple and straightforward. Here’s what you can expect:

Initial Consultation: You start with a consultation. This can be done over the phone or in person. The agent will ask about your driving history, vehicle, and coverage needs.
Information Gathering: The agent collects necessary information, such as your driver's license number, vehicle identification number (VIN), and any previous insurance details.
Quote Comparison: After gathering the information, the agent will pull quotes from various carriers. This process usually takes a short amount of time.
Reviewing Options: The agent will present you with the options. They will explain the differences in coverage and costs, making it easy for you to understand.
Finalizing Your Policy: Once you choose a policy, the agent will help you finalize the paperwork. They will ensure you understand the terms and conditions before you sign.

Real-Life Example

Let’s consider a real-life example to illustrate the benefits of using OWS agents.

Meet Sarah

Sarah is a 30-year-old teacher who recently bought a new car. She wants to find the best insurance rate but feels overwhelmed by the options.

Consultation: Sarah contacts an OWS agent for help. The agent asks her about her driving history and the type of car she purchased.
Information Gathering: The agent collects Sarah's information, including her previous insurance details and any discounts she may qualify for.
Quote Comparison: Within a short time, the agent presents Sarah with quotes from over 40 carriers.
Reviewing Options: The agent explains the differences in coverage and costs. Sarah learns that one carrier offers a significant discount for teachers.
Finalizing the Policy: Sarah chooses a policy that fits her budget and needs. The agent helps her complete the paperwork and ensures she understands her coverage.

Thanks to the OWS agent, Sarah saves money and feels confident in her insurance choice.

Tips for Working with OWS Agents

To make the most of your experience with OWS agents, consider these tips:

Be Honest: Provide accurate information about your driving history and needs. This helps the agent find the best options for you.
Ask Questions: Don’t hesitate to ask questions. If you don’t understand something, ask for clarification.
Consider Your Needs: Think about what coverage is essential for you. This will help the agent tailor their recommendations.
Review Your Policy Regularly: Your needs may change over time. Regularly reviewing your policy with your agent ensures you always have the right coverage.

The Importance of Regular Reviews

Car insurance is not a one-time purchase. It is essential to review your policy regularly. Life changes, such as moving, getting married, or buying a new car, can affect your insurance needs.

Benefits of Regular Reviews

Updated Coverage: Regular reviews ensure your coverage matches your current situation.
Potential Savings: You may qualify for new discounts or lower rates as your circumstances change.
Peace of Mind: Knowing you have the right coverage gives you peace of mind while driving.

Final Thoughts

Finding the best car insurance rate does not have to be a daunting task. With the help of OWS agents, you can navigate the options available and find a policy that fits your needs and budget.

By shopping over 40 carriers, OWS agents ensure you get the best rate possible. They provide personalized support and ongoing assistance, making the process smooth and stress-free.

So, if you are in the market for car insurance, consider reaching out to an OWS agent. You may be surprised at how much you can save and how easy it is to find the right coverage for you.