I'm a new agent, who started my independent agency at the begining of this year. I was a producer for a capitive agent.
Now that I'm at that 6 month mark, renewals are coming up. Since a lot of my customers have no prior insurance (non-standard), what are some suggestions at this point?
Do you keep them with the same insurer? Requote them?
As an independant agent myself I would review the renewal offer from their current company and review the rates of your other auto carriers with the 6 month prior. If you can save them $ let them know and groom them for more business. Most insureds w/o proof prior need to learn the insurance ropes of what the companies look at to save them money, some will forever just be yoru PIP/PD's and you'll want to phase them out. Good luck!