Beware of pressure tactics for add on coverage:
Once it came time to discuss the OPTIONAL insurance coverage, she explained the options and we declined. She then increased the sales tactics but we declined again. I worked formerly in the claims department of a major insurnace company and know full-well that one%26#39;s insurance is still primary. I also know that our credit card provides that coverage, and it too is secondary to our personal insurance. Fear tactics came into the sales pitch, as when describing possible vandalism.
As a customer, it feels as if there is commission-based incentives if the agent can get the customer to accept the optional coverage which in turn raises the cost of the car by about 1/3. I understand it is their job to discuss the options available, but how many times does one have to decline optional coverage before ';no'; is ';no.';
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