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.
Many people research expensive purchases like homes, cars, or gadgets to make sure they get the best value for their money. Equally important is understanding what you are getting when you purchase insurance.
Independent insurance agents are professionals who understand the purpose of insurance is to decrease financial uncertainty and make an accidental loss manageable. In exchange for a payment, or premium, insurance promises to pay for covered losses during the term of the policy. When looking for insurance, knowing these facts will help you feel confident and make informed decisions like a professional.
Insurance companies differ in their financial strength, ensuring they can fulfill their duty to pay claims. Find a financially strong insurance company that consistently receives high ratings. A.M. Best Co., an independent provider of insurer ratings, reviews and rates all insurance carriers
In addition, choose a local independent agent who values protecting what matters to you. They'll be certain you're confident with your purchase and the service they provide.
While many insurance policies contain similar coverages, each company provides unique policy conditions and limitations. Policies that look alike may vary by a single exclusion or endorsement. That's why it's vital to read your policy carefully to understand what you’re getting.
Switching insurance companies to save money may seem appealing. But it could lead to reduced coverage and cost you more in the end.
Sometimes the age-old adage is true: “you get what you pay for.” Your state department of insurance and the National Association of Insurance Commissioners can tell you which companies have the fewest complaints and resolve them effectively. Look for a company that provides personal treatment, and prompt and fair claims settlement.
An independent agent can pinpoint exactly how changes in your deductible or your lifestyle can lower your insurance costs. They can propose safety measures that earn you discounts like installing alarms or water detection devices. And they can tell you how to package policies together to save money and improve coverage
Now that you understand these truths about insurance, you’re ready to choose like a pro!
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.
