1. Always get as many
quotes as possible.
Each year, millions of insurance customers are overpaying for
insurance and they are usually never aware of it. Insurance
has become an increasingly competitive business. The vast
majority of customers can usually save a reasonable amount of
money with a modest amount of insurance shopping. Search the
internet, talk to agents, ask acquaintances about their insurance
companies and compare prices.
2. Always get all the
information with each quote.
Often times, insurance customers will receive quotes from
agents without knowing the complete difference in what they're
getting with each quote. If one company quotes you the same
price as another company, but one quote is with "minimum" amounts
of insurance coverage, while the other is with significant
insurance coverage amounts, which is the better buy? The one
with the most coverage per dollar (in this example, the second
quote) of course.
3. Accuracy in the
information you give the agent.
Remember the phone poll you hit back in 2001? Or the
speeding ticket in 2003? Don't forget to tell the agent.
Believe it or not, often times consumers will actually forget to
tell the agent about claims they made or will give misinformation
about themselves which can make huge differences in the price of
their insurance.
4. Don't be hesitant to
save money.
You have nothing to lose and everything to gain by getting an
insurance quote. Often times people will be hesitant to get
insurance quotes. As it was mentioned prior, millions each
year are unknowingly overpaying in insurance. If these
people would take the action necessary to shop around and find
better insurance quotes millions would either save money or be
able to increase their coverage for the same cost.
5. Make sure your agent
knows what he/she is doing.
Agents make mistakes too. The wrong zip code. An
extra zero behind your address putting you in a completely
different neighborhood. The wrong year or model vehicle.
Verify everything and make sure you correctly communicated
everything to the agent. |
