Policy Comparison Explainer
Takes the details of two or more quotes or current policies and writes a clear, fair comparison the client can read and decide from.
Before and after
Hi Keiko,
Thank you for sending over your information. Here is a side-by-side look at the two auto quotes for your 2009 Volkswagen Passat (tan), 5411 Dawncroft St, Canyonbury.
Coverage comparison
- Liability (pays for injury and damage you cause to others, shown as per person / per accident / property damage)
- Eastcroft Mutual Auto: 100,000 / 300,000 / 100,000
- Embercroft Insurance: 50,000 / 100,000 / 50,000
- Collision (pays to repair your car after a crash, minus your deductible)
- Eastcroft Mutual Auto: $500 deductible
- Embercroft Insurance: $1,000 deductible
- Comprehensive (pays for non-crash damage like theft or a broken windshield, minus your deductible)
- Eastcroft Mutual Auto: $250 deductible
- Embercroft Insurance: $500 deductible
- Uninsured motorist (helps when the other driver has no insurance)
- Eastcroft Mutual Auto: 100,000 / 300,000
- Embercroft Insurance: 50,000 / 100,000
- Roadside assistance
- Eastcroft Mutual Auto: included
- Embercroft Insurance: not listed in this quote
Premium comparison
- Eastcroft Mutual Auto: $612 for 6 months, which is $102 a month
- Embercroft Insurance: $548 for 6 months, which is about $91.33 a month
- Difference: $64 for 6 months, about $10.67 a month. Embercroft Insurance is the lower premium.
- For comparison, your old carrier cost $1,140 a year. Eastcroft Mutual Auto works out to $1,224 a year ($84 more) and Embercroft Insurance to $1,096 a year ($44 less), if the 6-month premiums stay the same.
What stands out
You told us your biggest worry is a large bill if someone sues you. Liability is the coverage that responds to that, and the Eastcroft Mutual Auto quote has higher limits in every category: 100,000 versus 50,000 per person, 300,000 versus 100,000 per accident, and 100,000 versus 50,000 for property damage.
The Embercroft Insurance quote costs less up front, but it has higher deductibles. You would pay $1,000 instead of $500 toward a collision repair, and $500 instead of $250 for a comprehensive claim. It also does not list roadside assistance.
Since you drive about 6,000 miles a year, mostly to work, mileage is something to keep in mind when you weigh the premium difference against the coverage differences.
Our recommendation
We recommend the Eastcroft Mutual Auto quote for you because of the higher liability limits and your concern about being sued. The final decision is yours, and we are glad to talk it through.
Claims are decided by the carrier based on the policy wording, so please read the full policy documents for each option.
Call me anytime at 216-555-0152.
Kevin Erickson
Eastcroft Embercroft Insurance Group
Questions for the owner
- Do you want me to mention the quote expiration dates or the date coverage would start? None were given.
- Is the 6-month premium the same on renewal, or could it change? Not given, so I did not say.
- Does either quote include any discounts or exclusions that should be listed? None were given.
What it does
Takes the details of two or more quotes or current policies and writes a clear, fair comparison the client can read and decide from. It shows what each option covers, what it costs, and where the options differ, using only the figures the agent provides.
Use it when: Use when an insurance agent needs to turn two or more quotes or policy declarations pages into a plain English side-by-side comparison for a client, such as: compare these quotes, explain the difference between these policies, or write up options for the client.