Wednesday 3rd of October 2018 03:33:39 AM
My husband was comparing auto/renter's insurance quotes online this past February 2016. We discovered very low rates for both Progressive Insurance and the Hartford. (Note: We have had State Farm coverage for the last 10 years and have been very happy; however, this year, despite having no tickets, claims, or accidents, our insurance rates went up). I contacted the Hartford by phone to confirm the rates that my husband had received online. I spoke with Don, who confirmed the exact same rates for both auto and renter's insurance, with the added information that in Michigan, where we now reside, we would be required to purchase a yearly $16.00 AARP membership, to be eligible to purchase this insurance. I asked many questions and wrote down specifics that Don communicated, including monthly checking account withdrawals, monthly fees, etc.Two months passed, and I decided to contact the Hartford again, though this time I spoke with a representative named Bonnie. I asked the same questions of Bonnie that I had asked previously of Don, then tweaked (changed) both deductibles to our auto and renter's insurance. Bonnie gave me a quote for each that was a combined $24.76 cheaper than the rates that Don had quoted. Elated, I contacted Hartford again, two days later, to purchase this insurance and to give them our financial information. This time I spoke with Arlene, who listened attentively to my two previous insurance quotes from Hartford. When I asked her to confirm our most recent quotes from Bonnie, Arlene put me on 'hold' to check out this information with her supervisor. Ten minutes later, when she returned to the phone, she stated that she could not give us the rates that either Don or Bonnie had quoted me in earlier conversations.Despite no changes to our driving record(s), non-attendance to driving school, or previous claims to State Farm Insurance, she stated that we would now be paying an additional $58.03 for both of our insurance coverages. I objected and asked to speak with her supervisor. She asked if I had a written statement (through the form of e-mail) from either Don or Bonnie, confirming the quotes they had previously given. I stated that I had taken careful notes, and could recite specifically what I had discussed with each agent. Bottom line: poor transparency. We ended up staying with State Farm. I am very disappointed in the Hartford's treatment of us (I contacted them a total of three times, with my husband spending time online getting quotes from various insurance carriers). Arlene offered no apologies, and I intend to file a claim with the BBB for their inability to back the rates that are communicated over the phone.