|1||If client has no prior insurance -
We are not able to quote at this time. Maybe sometime in the future.
(If you want to quote someone with no prior insurance quote Progressive. You can quote Acuity "Greatway" or Farm & City if they have a clean record or know exactly what's on their record.)
|2||If a prospect has continuous prior insurance - quote Progressive first. After obtaining the credit, the quote will be Ultra Preferred, Preferred, Standard, Middle Market, or Non-standard.|
If a client comes out standard, preferred or ultra preferred and are over age 23, quote Acuity, Fidelity National, Hartford Dimensions & Midwest Family Mutual in Priority Rating.
*Make Sure and adjust all tiers to the best for each company.
Then compare rates.
Hartford will order it's own score. If Acuity, go to the Acuity website and quote the client, if Fidelity National, get a score from Choicepoint to see if it's above 600. If Midwest Family Mutual the client should have good credit.
|4||If prospect is under 23 and only has liability, but a good score, try F&C and Greatway with Priority. Possibly Hartford Dimensions if age 21 to 23.|
|5||Note: Farm & City will only do 25/50/25 and one vehicle per policy|
|6||Note: if a prospect wants to exclude a room-mate, spouse, or child, only quote Progressive.|
|7||Note: Usually a Progressive quote with Ultra Preferred or Preferred is the only thing that is acceptable with most companies except Hartford who will rate for bad credit. Occasionally a Standard is acceptable for other companies.|
|8||Note: If prospect drives more than 10 miles to work or has a teen-age driver, or has more cars than drivers, Hartford and Midwest Family Mutual are usually the best prices.|
|9||Note: Austin Mutual requires a homeowners policy of any kind before we can write an auto. HO4, HO6 or HO3 are all OK.|
|10||Note: Midwest Family Mutual - When you have more cars than drivers...The final car on the quote has to be the lowest premium vehicle in order to get the 25% discount on the lowest premium vehicile.|
|11||Note: If the prospect has a teen age driver and newer cars with full coverage, Progressive is usually the last choice because they will only put youthful operators on the highest rated cars. It may be OK to get a quick credit score & clue report from Progressive.|
|12||Note: If the Auto policy is getting cancelled from the other company, quote Progressive only.|
|13||Note: If the Auto quote has more vehicles then drivers be sure and try Midwest Family. They usually will be the cheapest for this situation.|
|14||Note: If the Auto is being used by a daycare provider and used to transport daycare children use Progressive ONLY. The vehicle used must be rated business. (This is only for limited miles of transporting, if she routinely (every other day) transports children then we need to go commercial policy) If she says she does not transport children we need to feel her out and tell her that if she does use the vehicle even for an exception there would be no coverage.|