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By: All-Insurance.Org, 4/4/12
Re-posted by: Associated Insurance Services, LLC on 4/6/12

As you hunt for an insurance policy, focus on finding local agencies that you can deal with in person. If you talk to an agent in person, you may get a better deal, because they want to keep you happy. Knowing that you could show up at any time to complain if you are not happy gives them an extra incentive to do a good job. Local agencies might be pricier, but you’ll get more value in the long term.

Yes, your premiums can be reduced by raising your deductible, but there are ramifications. Even if your monthly bill is much lower, many expenses will have to be paid out of pocket. Weigh out each of the benefits inherent in more extensive coverage against the costs when deciding which option to pursue.

Search for multi-policy deals from insurance companies. For determined rates, it is possible to get a policy that covers both your automobile and your motorcycle. Insurance companies usually offer discounts if you have your car insurance and your residential insurance such as homeowner’s or renter’s insurance policy with them. Only purchase the insurance policies you need, and ensure they cover only as much as you require.

Take advantage of your state’s insurance department, to find out information about your current insurance agency or any agencies you are considering using. Insurance companies are regulated by states and information regarding price hikes and complaints must be filed with the agency. Your state’s insurance regulatory agency must be aware of the reasons for price hikes. Go on the Internet where you can find public records from the insurance companies.

A good mindset to take with you when searching for insurance that meets your standards is to have confidence in your decision. You should use your knowledge to make a well-informed decision. If you educated yourself properly on all there is to know about the right type of insurance for you then you should have no problem getting the coverage you desire.

When shopping around for a new insurance package, your first step should be to check with your existing insurance company. Instead of opting for a new company, bundling your new policies together with your existing company may save you some big money. Since companies really want the extra business, they want to show you their appreciation by rewarding you for that additional business.

Make sure to get your car back as soon as possible after an accident, especially if it has been towed. If you leave your car at the place it was towed to, you may be liable for extra fees that your insurance will not cover.

Be sure that you know all the options and rates before you commit to purchasing insurance from any one provider. You can find out a lot of valuable information about a company by visiting a few websites. Among these, the website of JD Power will provide you with customer satisfaction feedback on the most well-known companies. If you are researching complaints filed against an insurance provider, visit the NAIC website for more information. Find out a company’s reputation by visiting ambest.com.

Choosing the correct insurance policy for you has a direct correlation with financial strategy. Choosing a policy that carries a low deductible will allow you to pay less each month, but you won’t have complete protection should an accident occur. You could roll the dice and have a large deductible and pay substantially less monthly, but run the risk of something happening and then owing a large deductible.

Always be clear about where you stand on personal versus professional insurance. You may have the finest auto insurance in the world, but it may not cover you if you use your vehicle for part-time jobs, like pizza delivery.

You can save money on your insurance costs by pre-paying. By paying yearly rather than monthly, you can avoid billing charges that many insurance companies tack on, which sometimes can be as much as 3%.

Before you commit to buying property and moving, learn about the insurance prices in that area. Companies charge various premiums depending on your location and other factors. If you find that very high premiums are quoted for a particular area, think about moving to a different neighborhood in order to reduce your costs.

Smokers pose a greater risk because of the many accidental fires caused by cigarettes. Ask your agent if you’re eligible for a discount.

Now you’ll know everything you need to be sure that the insurance you have is right for you. While it may be overwhelming at first, remember insurance is a system put in place so that if you are ever hurt or something happens to your house or car, you will still be able to get through it without a lot of bills.

Posted 9:04 AM  View Comments

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