Buying the wrong insurance can put you in a situation where you end up paying a large premium for a policy that doesn’t necessarily suit your needs. However, that doesn’t have to be the case. It is possible to pay less and get exactly what you need. Just follow these three steps:
1. Know what you really need.
This first step is critical. If you don’t know what type of insurance you need, or the amount of coverage that is appropriate, it is unlikely that you are going to end up with either. You need to do an assessment of what your exposures are and understand what is at risk. For most people this can be overwhelming. The good news is that there is a free service to help you with this step – working with an independent insurance agent. Contrary to what you might think, working with an agent doesn’t cost anything, and they can help you get started in the right direction.
2. Consider the price of other insurance companies
Long before computers and the internet, comparing prices of insurance policies was difficult. But these days, with the development of technology, comparing prices between insurance policies is fast and easy. Your independent insurance agent will ask you a few questions, and within minutes they will have quotes from multiple insurance companies that are all competing for you business. Your agent will not only help you get a side-by-side comparative quote, they will explain the differences between the companies and the coverage they are providing to make sure you make the best choice possible.
3. Maximize discounts
You’ve no doubt heard the phrase “It doesn’t hurt to ask…”, and that certainly applies to insurance as well. Getting an initial quote is easy, you hear how easy it is on a daily basis whether it be on the TV, radio, or online. But some discounts can be overlooked unless you know what to ask for. Again, your local independent insurance agent knows the which companies offer discounts and for what reason. Discounts can include: multi-policy, multi-car, paid in full, good student, and claim-free to name a few.
As you can see, getting the right insurance at the very best price doesn’t have to be as daunting as you might have thought it would be. Just contact Couri Insurance to talk to one of the many agents that will help you find what is right for you.