Austin TX Real Estate - Hill Country Austin Lakeway Homes for Sale: Scam with Bait and Switch Quotes Scam with Bait and Switch Quotes is such a SCAM and I wasted so much time with them I can't believe it, as they baited and switched my quotes!

Here's what happened, long story.  I've been with Allstate since I was 16 years old.  You can do the math if you want.  The last time I had to research insurance was when I became a Realtor and had to get "Business" coverage, which not all companies offer. I set my plan, and on I went.

I got my renewal a couple of weeks ago, and I decided it was too high, so I started searching online.  I had seen tons of commercials for so I went there.  When I first went to their site this past Friday, my quote was $340 for a 6 month period.  Seriously?  I had to be missing something.  So I called their customer service rep to get some questions answered.

Since I didn't put in my actual street address, though zip code should be enough, and since I didn't put in my social, the quote given is strictly for Tier 1 credit, best case scenario.  No problem, I understand.  How much could the quote go up once credit is pulled?  Maybe $20 or maybe $100 depending on how your credit looks, she tells me.

Since I knew the insurance companies don't really look at credit score, but what you owe, I paid off my monthly credit card, and went back to their site yesterday for my full quote since the $340 was significantly lower than my Allstate bill, and even if it went up $100, it would still be less.

I enter my full address and my social, and am quoted $377.  Seriously?  That's pretty darn good!  I called to make sure that included them running my credit. 
Yes, ma'am. I'm showing you're in Tier 1 which is great.  I very rarely see people in Tier 1. scamGreat!  What do I do next?
Let's go over all the option to make sure everything is correct.

We go over everything in front of me on my screen.  She then says, "Ok, great, I've got that for $418.50"
Excuse me?  My screen says $377.
Well, there's a $25 fee for excluding your husband from the policy.
What? That makes no sense. Even if you pack out the $25 hidden fee, that doesn't equal $377.

This conversation went on for 36 minutes!  Even at $418.50, she says that's not my final number until she gets credit card information.  After arguing for several minutes about how I wanted a bottom line, but that she couldn't provide that, I humored her by giving a credit card number... and what does her next screen say??


I raised my voice explaining very sternly about how that's why I wanted a final number first!  Their $340 quote turned into $486.50 in a blink of an eye!  And that turned out to be higher than Allstate, of course. She then transferred me to their partner company, who wasted even more of my time because they don't even write business policies!!

I completely feel is a scam, and buyer beware before you sign that bottom line and switch, as there might be a bait and switch on the hook.  It's sad how companies treat people with the awesome credit.  You would think they would beg for my business knowing I would actually pay my bills on time... I waited until the very last day of my previous policy, so I had to call Allstate's 800 number to make a payment by phone, which they did not charge for, thank you!

Now, since I don't like my current Allstate agent since he took over the company from my long time agent last year, I have to switch agents out of principle... so frustrating!!

**Are You Packed Yet?** 

donna harris Realtor Austin TX blog

Donna Harris, REALTOR®
RE/MAX Austin Skyline

Austin TX Real Estate and the surrounding areas of Lakeway, Bee Cave, West Lake Hills, Cedar Park, Round Rock, Spicewood, Circle-C, Steiner Ranch, and everywhere in between... Hill Country Austin TX Real Estate and beyond. Whether you're buying or selling an Austin home, I'll be with you every step of the way. 

For real time Austin TX listings, click here.

** #1 Agent in my Office for all of 2008 **

Copyright© 2010 By Donna Harris, All Rights Reserved. You may re-blog with links back to this post.
* Scam with Bait and Switch Quotes * was first published on

Comment balloon 5 commentsDonna Harris • January 13 2010 09:18AM


The war on folks with good credit is appalling. I'm having problems with a line of financing I got to buy some expensive electronics...after four times calling to have them correct my address, they are still sending statements to the wrong spot. Complete with late fees and penalties. And that's the tip of the iceberg...Go figure, all I'm trying to do here is pay my bill.


Posted by Dave Murray (DMTX Realty, Coldwell Banker United, Realtors) about 10 years ago

Donna...I feel your pain.  I had used GEICO all the time I was working with the Federal Government (35 years) and never, never had a problem with them.  But, alas, they do not cover WV homes, so I went to Nationwide.  I am planning to get the cars insured by GEIGO this year, to get better rates.

Posted by Rebecca Gaujot, Realtor®, Lewisburg WV, the go to agent for all real estate (Vision Quest Realty) about 10 years ago

It's better to stick with who you know, I wouldn't use them at all.

Posted by Robert L. Brown, Grand Rapids Real Estate Bellabay Realty, West Mic ( about 10 years ago

I've been with Allstate for 8 years and am happy with them.  When I have checked with other companies, Allstate has always come out lower for me.  Thanks for the warning about  Its good to be looking out for each other.

Posted by Vicki Pedersen, Providing Exceptional Real Estate Service (Pedersen Real Estate) about 10 years ago

For homes, Allstate is fine until you need to make a claim. I don't know about cars with Allstate, but they are an evil company in my experience with them. I don't know if Pemco or Safeco insure for new customers in Texas, but they are great companies.

Posted by Aaron Vaughn, REALTOR© 512-845-4204, My knowledge is your power | eXp Realty (eXp Realty) about 10 years ago