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What's the difference between an Independent Agent like Bittner Insurance Agency and a State Farm or Allstate Agent?
A. Independent Agents represent many different companies, while those other agents represent the company they work for. Independent Agents help you, the consumer, when you buy insurance by checking with several different companies in order to find you the lowest price.
How can other Independent Agents give me an instant quote over the phone, and Bittner Insurance Agency has to call me back?
A. Many other agents do a lot of guessing and give you a price just to get you in their door. Bittner Insurance Agency tries to give you the best and most honest no-pressure price that we can. This may take a little longer, but the quality of the quote is much better.
Why do you need to check my credit score to do a quote?
A. Most insurance companies have found that your financial responsibility is a strong indicator of your likelihood to make a claim. [Click here]
for more information. Although a credit check is not required to get insurance, the companies that do not check credit often have higher prices than those that do not. Even if your credit is bad, it at least lets us get a quote from those companies that do check credit. This helps us make sure we are getting you the lowest rate.
I recieved a notice of cancellation, but I sent in my payment. Why?
A. Most insurance companies are automated. This means that a computer handles how many things run. Many times, if the computer sees that your payment has not come in the day after it was due, even though it may be in the mail or processing, it automatically sends you a cancellation. If the computer sees that you have made your payment before your cancellation date, a notice of rescission will be sent. This is very common, as many people mail their payment on or near the day it is due.
I got a notice from the state that my SR-22 was canceled, but I sent in my payment. Why?
A. As with the previous question, when the computer sees that your payment has come in, the insurance company is legally required to send what is called an SR-26 to the state. The SR-26 is an indication that your insurance is or will be canceled. At this point the state sends you the letter saying your SR-22 is canceled. As soon as the insurance company processes your payment, another SR-22 is sent to the state.
Is it possible to do too many changes to my policy?
A. Yes, but its rare. The insurance company's computer (and it varies from company to company) can only hold so many changes until it runs out of room. They allow the customer to make quite a few changes to their policy, and very rarely does anyone actually make that many changes.
Why is my bill always significantly different?
A. Numerous factors can effect your bill. If your policy was issued at a different price because of additional violations, for example, your bill would be different. Multiple changes to your policy change the amount of equity required to keep your policy in force. This causes many problems with your billing cycle, and is most often the source of the confusion. Equity can be confusing, for more information about what equity is and how it effects your policy, contact your Bittner Insurance Agency Customer Service Representative.
I lost my ID Cards! What do I do?
A. Some companies, such as Progressive, allow you to reprint your ID Cards from their website. If your company does not support that, call your local Bittner Insurance Agency office and they will be able to reorder or reprint your ID Cards that day.
Do I have to talk to my Bittner Insurance Agent when I have a question or need to make a change?
A. Of course not! Each office has at least one highly trained Bittner Insurance Agency Customer Service Representative available to help you with any questions you have, often instantly and without the need for the Bittner Insurance Agent to call you back. Some services are available online as well.