Everything you wanted to know about insurance and were afraid to ask.
Most people today stay with the same insurance company for long periods of time so saving a few bucks or getting an extra benefit can add up greatly over time. Rates can vary wildly even within the same company so it’s important to know what you’re buying. Below, you will find basic tools to arm you with insurance knowledge. Our goal is to help you make better insurance decisions. When in doubt, take a few minutes to get a free quote. The savings could be substantial or not. At least you would know either way!
Saving money is a vital concern for nearly everyone in these difficult
times. Because of this, it is important that you find the best possible rate for your auto and homeowners insurance policy. Luckily, it is much easier to find a great rate for insurance now than ever before.
In the past, you were pretty much stuck accepting whatever type of
insurance your agent could find for you. Then, around ten years ago, nearly every insurance company started offering their product online. Soon after, people started feeling as though they were insurance experts and handled their own polices online themselves. This wasn't a bad thing—in many cases. However,here are downfalls to working directly with the Captive Insurance Agencies and Agents.
Working with an independent agency is actually still a superior
way to obtain insurance. The agent can help you get the coverage you need at a price you can afford. Additionally, there are many agencies now that offer features that make it even easier. For instance, in some cases you can compare insurance quotes from many different insurance companies all at the same time. No need to call each insurance company separately to get a cost comparison quote. As an independent agency we do all the work for you, and the best thing it is free!
In many cases, insurance customers do not understand what type of
coverage they need. They take the lowest possible rate, without looking into the repercussions that could be caused. This is fine and good—until the time comes that they need to get something back from the insurance
Unlike trying to compare by visiting each site yourself, using one of
these tools means that you are comparing apples to apples. Therefore, not only are you paying as little as possible, you are still getting the type of coverage you need. Spend some time researching the options, and then choose an independent agency that will make things easy for you and save you money too.
The Facts about Auto Insurance
Auto insurance is a complicated matter. Many people have an insurance
policy but do not exactly understand how they are covered or what they will do if they find themselves in the position of needing to utilize their insurance. Discover the basic types of car insurance and find out how to obtain the coverage you need for your particular situation.
Collision Coverage – This is the basic insurance type that covers your
vehicle if you collide, or run into, something. This covers collisions with
other cars as well as if you were to run into a wall, barrier or
Comprehensive Coverage – This covers anything that may happen to your
car that is not directly related a collision. This would include things such as theft, fire, hitting a deer or vandalism.
Liability Coverage – This type of coverage covers the damages when you
are at fault in an accident and you damage someone else’s car or property.
Liability coverage is often mandated by law, so it is important that you as
the driver make certain you have an adequate amount.
Medical Payments – This is also called PIP in some states. Medical
payments pay for any injuries to the driver or passengers that occur if an
accident occurred while you were driving. Medical payment insurance varies from state to state, so make certain you are covered as
Now that you understand a bit more about the different types of auto
insurance available, you are probably ready to find the right coverage for you. The best way to do this is to work with an independent agency that will allow you to compare insurance quotes online. By doing this, you can rest assured you are getting the best deal as well as getting the personal attention you need.
The Facts about Home Insurance
When people shop for home insurance, they are actually seeking not
just one type of coverage but possibly several different varieties. Homeowners insurance, renters insurance, and condo insurance are all typically included within the category of home insurance. Whether you own the property that you live on or whether you are renting it short term, you need to have insurance coverage to guard against disasters and losses.
Homeowners, Condo, and Renters Policy Types: The Differences
A homeowner’s policy is for people who own their own home. This may be
either a house or a condominium: Essentially, if you are making payments on the home with ownership as the end goal you will need homeowners insurance. This type of policy will cover both the outside of the home and all the contents of your home. It will cover the majority of natural disasters (certain disasters like earthquakes may be excluded but you may add extra coverage for that specific purpose) and will allow you to replace or rebuild damaged property. If your home is broken into by a thief and items are stolen your insurance will help replace stolen items and pay for any damage in terms of vandalism that the thief did.
With a renter's policy, the coverage includes the inner contents of
the home, apartment, or room that you are renting. This is coverage for the
break-ins, the natural disasters, fires, and other circumstances that are beyond your control. Even though your landlord will have a homeowners policy on the place you are living, it does not cover your own personal items as a renter, which is why renters insurance is essential.
You may be very surprised to see the range of prices you'll get in
home insurance quotes. You can sometimes save hundreds of dollars, or even more, simply by choosing one company over another. However, it is important that you get quotes only from reliable top carriers. Your local independent agent is the best resource for this since they can accumulate multiple quotes from the top carriers for you online. Your independent agency will give you the power to compare all the best policy options conveniently at home!
The Facts about Life Insurance
Purchasing life insurance is one of the most important financial moves
you can make. The coverage from this type of policy protects your family from financially worrisome situations if you are not there to provide for their needs. When you work with an independent agent, you can get the protection your family needs for less.
What Type of Policy Is Right for You?
One of the most important decisions you need to make is what type of
insurance is right for your situation. The biggest factor to consider is
With whole life insurance, the individual is covered for their entire
lifetime. This type of policy allows you to borrow from it over your life, too.
It can even be a part of your estate plan.
Term life insurance is in place for a set amount of time. This type of
policy is less expensive, but provides your family with financial protection
when it is most at risk, such as when you have a mortgage to pay and dependents relying on your income.
There are other options to take into consideration. Child life
insurance policies provide financial aid to cover medical costs for the death of a child. Other options include accident death, critical illness, long-term care policies, final expense coverage, and disability insurance. Any can be a good investment for you.
Finding the Right Policy
To ensure you get the right type of policy as well as the most
affordable option, discuss your needs with an independent agent. You can get a comparative quote for policies available to you right away. You are not getting a quote from just one insurance provider, though. Rather, you'll receive a quote from numerous local providers through your agent so you can compare your options. That way, you get the best policy for your needs and your budget.
The best thing you can do when buying insurance is to stay vigilant and informed. Saving money and finding a policy that fits your life is what it’s all about. Different companies have different strategies and corporate culture which all affect how well they work for you. Finding the right one is essential to insuring the people and things you love when that unfortunate day comes when the unexpected happens. Knowing that you have a trustworthy company to back you up just gives you one less thing to worry about while you get everything back together. Keep in mind that with an Independent agent, you can get a cost comparative quote for policies available to you right away. You are not getting a quote from just one insurance provider. Rather, you'll receive a quote from numerous insurance providers through your agent so you can compare your options. That way, you get the best policy for your needs and your budget.
Stay smart and stay insured!