Bait and Switch- Everything You Need to Know!

YouTube video

We have all experienced the “bait and switch” technique used by sneaky salespeople. You can probably provide many examples of you being attracted to an advertisement that promised bigger, better, and cheaper products, but when ordered it is nothing like what was advertised.

New Law UPDATE NYS -Senate June 2023

How does this apply to insurance? Well, many internet companies EVEN some local agents will provide you with a drop-dead great quote. You get excited and say “Great sign me up!” The next step is you scrape up your needed down payment and sign lots of forms. Two weeks later you receive your awaited package in the mail (starting to see the similarity from the first story?) You open it up and see the GREAT drop dead rate you expected is not there. Where did it go? What happened to that great low rate? In fact, the new company is now charging you MORE than you were paying with your old insurance company. You then look through all your paperwork, find the name of the person you spoke to or the person you emailed for the policy, you call them only to be told that they only handle the sales portion of the insurance purchasing process and they cannot assist you on policy service but they can transfer you to someone who can help. You sit on hold for 10 minutes waiting for someone to pick up, the new person picks up and tells you some sideways story of how they made a mistake on the quote and the policy received in the mail is now the correct price and the quote that was originally given was wrong.

So now you ask yourself “What do I do?, they have my down payment, I canceled my old policy. I guess I am staying here for a while. I don’t have the $$ now for a  new down payment.  I guess this “save 15% in 15 minutes company” wins and keeps my policy even though I might be paying more now than I was before. Oh, what about my coverage?  If they lied about my quote, did they change my coverage too? Do I  have the same coverage?  I  bet they will tell me at claim time, I  don’t have the right coverage”.

The only thing I am left with is a lesson – that you get what you pay for normally, and working with the same person that sells a policy and continues to be there for me is KEY. Sounds like this is wisdom that every generation learns.

Get your car insurance questions and answers by calling or texting us.

The bottom line, our agency is different and accountable, and reachable to you. Call us and see the difference.

Would You Like Us To Review Your Policies?

"*" indicates required fields

Which personal product would you like a quote for?*
Primary Address*
By submitting this form, you consent to receive SMS messages and/or emails from our company. To unsubscribe, follow the instructions provided in our communications. Msg & data rates may apply for SMS. Your information is secure and will not be sold to third parties. View Privacy Policy
Drop files here or
Max. file size: 39 MB.

    Request Your Proposal Here

    Are you ready to save time, aggravation, and money? The team at Hopmeier Evans Gage Agency, Inc. is a special type of insurance that covers the company building as well as the contents owned by the company, is here and ready to make the process as painless as possible. We look forward to meeting you!