PHD Insurance Brokers

Found a much cheaper price than they offered online, and their customer service isn’t very good either

I called them about my increase in rate even though I had no accidents or tickets, my car is 11 years old and I have been a customer for 20 years. The gentleman that took my call was rude and had a too bad for you attitude. So I shopped around, found a competitive rate for the exact same coverage with a FRIENDLY agent and I am cancelling my policy with Mercury.
The original agent I had was very nice and helpful but she left Mercury many years ago.

They beat everyone else’s prices and always provide great service. I have been a client for almost twenty years. They are so knowledgeable about all of the different policies out there so they give really great individualized assistance.

PHD has been my insurance broker for many years. I’ve always received excellent customer service, whether making changes to my policies or getting assistance when I’ve been in an accident. I would recommend this company to anyone looking for immediate service which is professional and positive. As a matter of fact I’ve referred several people to them.

If my broker can’t get in touch with me when they have my cell, office number, my personal e-​mail, and my business e-​mail, I need a new broker? «My voice mail was full» is not acceptable? My voice boxes are never full, but in this case they were both full? The result was a $ 1200 per year increase in my policy. We had moved our office and all mail was being forwarded to the new address? Our phone numbers and email addresses were the same?
And this cost me $ 255.91 when I bought then canceled the policy the very next day (which I told my broker I might do when I had a change to compare what she was offering) she never told me about the fee? I would not recommend this agency to anyone looking for service. Here is their account in their own words, you be the judge.
«Your renewal offer with Mercury Insurance was mailed to you on 8÷30÷2013. It was issued with an increase in premium of $ 148.00 due to an additional chargeable accident on 4÷2÷2013. You also have a chargeable ticket on 7÷28÷2012 which causes you to lose your good driver discount. Your renewal was still offered in the Mercury Insurance program since you were with them for 3 years or more without a lapse of more than 30 days. Mercury mailed you a reminder notice on 9÷25÷2013 that your payment had not been received.

We received the notice of expiration effective 10/​03/​2013 on 10/​09/​2013. We tried to contact you but your Voicemail was full. We mailed you and emailed you a notice on that same day letting you know you had 30 days from the expiration date to make a payment with a lapse in coverage. We did not receive returned mail or a bounced email from you. Once the 30 days were passed, we mailed you a Lost Souls Letter from our agency on 11/​05/​2013. That letter was sent back to us on 11/​11/​2013 without a forwarding address. This was the first time anything was sent back.

You called our agency on 12/​05/​2013 for a re-​write of your policy. Since your policy had been expired for over 30 days, we could not offer you the Mercury Insurance program. Mercury can only honor the price for 30 days. After that, you lose your persistency discount and you start as a new client. The only rate we could offer you was with Cal Auto at the price quoted. Unfortunately, once the policy has been lapsed for more than 30 days, it is out of our hands. We can’t override the computer program to offer you the original quote. We have to re-​rate the entire risk including your driving activity.

If you have any questions, please feel free to contact me.
Thanks,
Patty Farias
Client Service Rep
CLIENT SERVICE REP? I THINK NOT THEIR OFFER THOUGH MERCURY WAS $ 4,368 PER YEAR I FOUND THE SAME COVERAGE FOR $ 2,245.80, PER YEAR, $ 2,122.20 CHEAPER FROM THE COMPANY BELOW:
Shaun Witsoe
Guardian Direct Insurance
Sales Manager
Office 562−646−0240 Ext 1001
Cell 562−231−7472
IF YOU WANT A FAIR PRICE, AND ATTENTIVE, SERVICE CALL THEM!
MERCURY TAKES ADVANTAGE OF IT CUSTOMERS THROUGH THEIR BROKERS! $ 255.91 CANCELATION FEE FOR REFUSING TO BE RIPPED OFF? I EXPECT MERCURY TO DO THIS, BUT IT’S THE BROKERS INCOMPETENCE THAT IS MIND BOGGLING? IF I COULD RATE A COMPANY NO STARS IN THIS CASE I WOULD.

I have a wonderful agent that is a doll: Michael.
He has a wonderful personality and knows the options out
there and how to handle challenges.
Visit him or talk to him and ask for quotes if you are shopping
insurance.