5 Tips for Finding the Right Insurance

  1. Compare products, not just prices.  You buy insurance for coverage, not just so you can get the home mortgage or car loan.  Make sure your insurance will provide the amount and type of coverage you are looking to get.   Then compare prices.
  2. Ask about discounts.  Once you find the coverage that meets your specific needs, ask your insurance agent what discounts are available.  Common discounts include, full year payment, accident free for specific number of years, GPA if you or someone in your policy is still in school and bundling policies through the same carrier.
  3. Fill the holes in your coverage.  Average policies cover the basics, but to cover your needs, you may need to add extra coverage.  Making sure you have sufficient insurance riders can save you money in case of an event.
  4. Don’t forget the life insurance.  If you have a spouse and/or kids, you are not too young  Life insurance is about protecting your loved ones if something unexpected happens.  Get the coverage before it is too late to protect them.
  5. Talk to an independent agent, especially if this is your first time.  An independent agent who works with several insurance carriers can help you compare like policies and know what makes the policies different.  Prices are often lower, but having the conversation first about your insurance needs will help the agent help you find the right product at the right price.
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