6 Months Vs. 12 Months Auto Policy: which Do You Prefer Writing??

I know this only applies to agents in some states with some carriers .....



but when you have the choice between selling a 6 or 12 month auto policy to a customer, how do you handle it as far as your procedure?



do you:

A) offer both and let the customer decide?

or B) choose one automatically for the customer, since it usually makes very little difference?



from the agent's standpoint, it only makes a difference if the carrier pays commission on an earned basis. pros and cons to both a 6 mo. vs. 12 mo. if they pay on an earned basis. doesn't make any difference if the carrier pays on a

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