Personal lines (auto, home, boat, personal items) policyholders can register to view and print policy documents, including auto ID cards. Directly billed policyholders can also view and print billing statements.
Directly billed policyholders can make a one-time premium payment online from your bank account or credit card using this feature.
Personal lines (auto, home, boat, personal items) policyholders can register to view and print policy documents, including auto ID cards. Directly billed policyholders can also view and print billing statements.
Directly billed policyholders can make a one-time premium payment online from your bank account or credit card using this feature.
When you meet with an independent insurance agent, they can give you the best advice on coverage options. This advice relies on the information you provide about the items you want to insure. Before you meet with an agent, an important step is to gather specific information on your home and auto. This will help ensure that they can offer you the right coverage and will make the process smooth and efficient.
If you have an upscale or collector car, you can consider an agreed value insurance policy. With this type of policy, you will work with the insurance company to decide on a fixed value for your vehicle that the insurance company will pay if it is totaled. Know the current market value of your upscale or collector vehicle so you can discuss an agreed price
Additionally, talk to your agent about OEM parts. OEM coverage provides additional car insurance that guarantees only original parts are used for repairs on your vehicle. This type of insurance maintains the value and performance of your vehicle.
You have some flexibility when it comes to deductibles for your home insurance, such as paying a lower premium but with a higher deductible. Think about how much you are willing to spend on claim payments. Knowing how you want to structure your payment will help the agent determine deductibles and premiums that fit your budget.
Higher deductibles can reduce your premiums. However, you should avoid selecting deductibles that are excessively high. High deductibles may lead to financial difficulties. Be cautious when choosing your deductible amount.
It's also important to update your agent about any changes throughout the year when your policy renews. This will help to ensure that your insurance policy remains current and accurate, avoiding any gaps in insurance coverage.
When your policies renew, look them over to make sure they are accurate and that you didn’t miss notifying your agent of changes. To find an agent representing The Cincinnati Insurance Company, please visit our Find An Agent locator.
This loss control information is advisory only. The author assumes no responsibility for management or control of loss control activities. Not all exposures are identified in this article. Contact your local, independent insurance agent for coverage advice and policy service.
