U.S. property and casualty insurers–especially those in the personal lines market–operate in a tough environment. They face little or no growth, increasing competition, and ever-changing consumer priorities and expectations.
Insurers battling for market share are spending more and more to market their "uniqueness," whether through better pricing, higher levels of convenience, better quality, improved service or a combination of all of these elements.
Many carriers are also making significant investments in providing consumers with choices, either in product features (coverage, deductible or price) or in how they interact with the insurer and its agents.
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