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Cited by 82Insurance and Financial Risk ManagementConsumer Market Behavior and PricingHealthcare Policy and Management

Consumer Information and Decisions to Switch Insurers

Schlesinger, Harris, von der Schulenburg, J.-Matthias Graf·1993·The Journal of Risk and Insurance
DOI 10.2307/253381
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Abstract

This article examines the interaction of various factors in an individual's decision to switch insurers. In particular, expectations about insurer quality attributes as well as search costs and switching costs are modeled as affecting the consumer's switching decision. Data from a 1983 survey of 2,004 German individuals are used to determine consumers' impressions about the quality and price of their auto insurance policies. The empirical analysis shows how consumer informedness plays a key role in the switching decision. Factors affecting consumer informedness and the sources of consumer information also are examined.

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Crossref · 10.2307/253381

Cites

19 of 19 references verified0 citation errors · 0 not checkable

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  • The probability of a policy cancellation by the household in different time-periods can be calculated as a function of household characteristics and events related to underwritten policies, such as claims or premium increases.

    “This probability can be easily calculated as a function of the household characteristics and the events related to underwritten policies, such as claims or premium increases.”

    From The Need to Monitor Customer Loyalty and Business Risk in the European Insurance Industry (2008) · cites this paper as Schlesinger and Schulenburg (1993)

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Related

Authors
Schlesinger, H., & von der Schulenburg, J.-M. G.
Venue
The Journal of Risk and Insurance
Publisher
JSTOR
Published
1993-12
Volume
60
Issue
4
Pages
591
ISSN
0022-4367 (ISSN-L)
DOI
10.2307/253381
OpenAlex
W2025424111
Cited by
82
References
19
Citations by year
2026: 2 · 2025: 1 · 2023: 1 · 2022: 1 · 2021: 3 · 2020: 2 · 2018: 2 · 2017: 2 · 2016: 4 · 2015: 7 · 2014: 8 · 2013: 6 · 2012: 3
FWCI
2.44
Type
journal article
Language
en
Open access
closed
Locations
Journal of Risk & Insurance (publishedVersion)
Topics
  • Social Sciences › Economics, Econometrics and Finance › Economics and Econometrics › Insurance and Financial Risk Management
  • Social Sciences › Business, Management and Accounting › Marketing › Consumer Market Behavior and Pricing
  • Social Sciences › Economics, Econometrics and Finance › Economics and Econometrics › Healthcare Policy and Management
Keywords
insurer switching, automobile insurance, consumer information, search costs, switching costs, insurance premiums, purchase decision

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