Trending...
- AI Visibility: The Key to Beating Google's AI Overviews and Regaining Traffic
- New Mobile Car Detailing Platform Connects Drivers with On-Demand Local Pros
- Cal State LA secures funding for two artificial intelligence projects from CSU
NEWPORT BEACH, Calif. - Californer -- Steps To Take When Choosing an Insurance Agent
1. Assess All Your Insurance Needs
A. Revisit Your Health, Auto, Home, Life and Business Insurance Policies
Look at the coverages you have and what those coverage limits are. Decide if your policy benefits are sufficient or if you need more or less coverage for what you have now, e.g. Your car has lost value and is worth less than $4,000 so you want to drop your collision and comprehensive coverage on your car insurance policy..
Understand your insurance coverages before you begin comparing rates. You never want to buy a cheaper policy that is less comprehensive, unless it's for a reason. Plus, you don't want to compare apples to oranges when comparing. Don't buy on price alone!
B. Read Exclusion Lists
There's always a list of exclusions, so get familiar with them on your policy, because each insurer's exclusion list is unique. See if there are gaps in your coverage based on what's not covered. Jot down the type of rider you'll need to buy to close the gap. E.g. you have aftermarket accessories on your car, which are not covered by your policy.
More on The Californer
C. Nab a Discount (or Two!) Before You Switch
See if there are loyalty discounts with the insurers you currently have for car (https://smartfinancial.com/car-insurance-discounts), home insurance and even business insurance. These three can be bundled easily, which is yet another discount! See how low you can go with your current policies before you start comparing rates.
D. Check Out Marketplace Health Insurance Plans
Depending on your income, you may actually pay less buying an individual plan in the marketplace than from your employer. Always compare rates before signing up.
Also, if you don't have an employer-sponsored health insurance policy or need to buy a policy on your own for any reason, you can do so during the Open Enrollment Period, which occurs each fall. Or, you may be eligible for the Special Enrollment Period, if you had a major life change, like having a baby or losing a job or changing jobs (and more).
To read the other 6 things to do to find an honest agent visit https://smartfinancial.com/how-to-choose-an-insurance-agent
1. Assess All Your Insurance Needs
A. Revisit Your Health, Auto, Home, Life and Business Insurance Policies
Look at the coverages you have and what those coverage limits are. Decide if your policy benefits are sufficient or if you need more or less coverage for what you have now, e.g. Your car has lost value and is worth less than $4,000 so you want to drop your collision and comprehensive coverage on your car insurance policy..
Understand your insurance coverages before you begin comparing rates. You never want to buy a cheaper policy that is less comprehensive, unless it's for a reason. Plus, you don't want to compare apples to oranges when comparing. Don't buy on price alone!
B. Read Exclusion Lists
There's always a list of exclusions, so get familiar with them on your policy, because each insurer's exclusion list is unique. See if there are gaps in your coverage based on what's not covered. Jot down the type of rider you'll need to buy to close the gap. E.g. you have aftermarket accessories on your car, which are not covered by your policy.
More on The Californer
- Mike Diamond Offers Free Sewer Camera Inspections to Help Homeowners Catch Problems Early
- Mike Diamond Offers $99 Priority & Premium Air Conditioning Protection in Anaheim, CA
- Garmin Approach R50: Redefining Home Golf Simulation
- California: Governor Newsom statement on the court temporarily blocking the Trump Administration's unlawful immigration tactics in the Los Angeles area
- Governor Newsom urges Californians to take precautions as state endures triple digit heat, smoky conditions
C. Nab a Discount (or Two!) Before You Switch
See if there are loyalty discounts with the insurers you currently have for car (https://smartfinancial.com/car-insurance-discounts), home insurance and even business insurance. These three can be bundled easily, which is yet another discount! See how low you can go with your current policies before you start comparing rates.
D. Check Out Marketplace Health Insurance Plans
Depending on your income, you may actually pay less buying an individual plan in the marketplace than from your employer. Always compare rates before signing up.
Also, if you don't have an employer-sponsored health insurance policy or need to buy a policy on your own for any reason, you can do so during the Open Enrollment Period, which occurs each fall. Or, you may be eligible for the Special Enrollment Period, if you had a major life change, like having a baby or losing a job or changing jobs (and more).
To read the other 6 things to do to find an honest agent visit https://smartfinancial.com/how-to-choose-an-insurance-agent
Source: SmartFinancial
Filed Under: Financial
0 Comments
Latest on The Californer
- City of Long Beach Experienced a 4% Decrease in Fireworks-Related Reports on July 4
- The Blue Luna Encourages Local Schools to Take Steps to Enhance Safety for Students and Staff
- CarSeek Re-Launch: A New Look, A Better Experience for Car Buyers
- Wise Business Plans Launches Turnkey Startup Packages to Help Entrepreneurs Start and Scale
- California: Governor Newsom provides $11 million to organizations helping underserved job seekers find training and employment
- For Artificial Intelligence Appreciation Day: Celebrate it with a poem about AI called "Robot Love"
- City of Long Beach Shares Federal Funding Updates and Local Impacts
- The Sessions Studios Secures $300 Million Commitment to Launch World-Class Studio and 15-Film Global Slate
- Fortrea Holdings Inc. (FTRE) Investors Who Lost Money Have Opportunity to Lead Securities Fraud Lawsuit
- Two themes emerge in Marketing AI
- California: Governor Newsom restructures state government to combat homelessness, boost housing and affordability
- Smart Resnse Unveils Smart Resnse(SRMS) Token-Powered AI Orchestration Platform to Revolutionize Multi-Billion Dollar Market
- Josh and Heidi Follow Up the Much Anticipated and Successful Launch of the "Spreading the Good BUZZ" Podcast with a Personal Request
- Revolutionary Blockchain Platform Okh Finance Announces Okh Finance(OKKH) Token Launch to Transform Global Asset Leasing Market
- Cover Girl Finalist Teisha Mechetti Questions Legitimacy of Inked Originals Competition, Demands Transparency
- City of Long Beach Opens Applications for Cannabis Equity Program
- Ridgeback Lighting Launches Battery-Free EBL LED Emergency and Egress Light
- Long Beach: Health Department Announces Certification of 32 Community Violence Intervention Workers
- Easton & Easton, LLP Files Suit Against The Dwelling Place Anaheim & Vineyard USA Over Abuse Allegations
- AI Visibility: The Key to Beating Google's AI Overviews and Regaining Traffic