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Working as professional insurance, my friends and family often ask me insurance. I'm sure others out there have the same questions, so I thought I would try to help answer them.
- How do I know if I get the best rate for my policy? I think one of your best options to get the best rate is to have an independent agent who represents several insurance companies. You can build a relationship with a local agent who will do the work for you in your rate shopping when you feel it necessary. Taking a step further, find a trusted agent Choice is better than you can be sure they adhere to broad industry best practices. Watch this video about the benefits of working with an independent agent.
- What is the right franchise for me? Generally, the higher the deductible, the lower your premium policy. If you are willing to pay more than your own disaster pocket, you will save money. If you plan to use your insurance for the 'big stuff', a higher deductible may be the way to go. According to the Insurance Information Institute (III), the claim of the average homeowner is $ 9,155 and the most common type of claim is a wind and hail loss. (1) Know what your out-of-pocket costs might be potential can help you decide which is the right franchise is for you. This video will also help explain how the franchises:
- What is insurance discount Do not forget to ask your independent agent about discounts and credits that can be available to you ?. Many companies will offer credit based on how long you have been with the company. There is something to be said for loyalty! Another way to save money packs your home and auto policies together. Companies often give discounts for the installation of devices to prevent the loss of your home as a monitored alarm, smoke detectors, or the whole house generator. Another time, the key to ask about discounts is when you add a newly licensed driver to your policy other discounts you might want to ask about include payment speed, and the lossless credits.
Have other questions about your insurance? Your independent agent is your trusted advisor to answer your questions. Contact them today!
(1) "Homeowners and renters insurance." Insurance Information Institute . N.P., n.d. Web. July 20, 2016.
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