What Kind of Insurance Are You Shopping For?
It seems like no matter what you do once you become an adult you need to get some kind of insurance policy for it. You need car insurance once you drive, health insurance once you are old enough to get your own policy, and homeowners insurance when you buy your first house. You might also need renters insurance if you rent an apartment or condo before buying a home. As your collectibles, toys, and jewelry increase, you must insure them as well.
Every state has different requirements for auto and homeowners insurance so you should check out the Internet for information on your area. When you purchase car insurance you need to know what the mandatory minimums are for the state in which you reside. Each has their own set of regulations. Drivers seeking New Jersey insurance may require different coverage than someone seeking auto insurance in California.
First determine exactly what kind of insurance you need. Many times you can save on your insurance when you purchase more than one kind from the insurance company. If you need auto insurance, homeowners insurance and life insurance, you can bundle them together and save more than if you purchased them all individually.
Look for an independent insurance agent who represents several different companies. This type of agent will be well-versed in the needs of those seeking insurance and can actually do your comparison shopping for you. An independent insurance agent can save you time and money and should be aware of any new revisions as well as any new programs an existing company may be implementing.
Ask around and see which insurance companies your friends and relatives have been using. They will not only give you information on the companies good points, they should be able to give you a contact name and phone number so you will know exactly who to speak to.
You can also do an Internet search to find individual insurance companies if you only need one kind of insurance. Check out the company’s website and read all of the testimonials to see what previous customers have to say about them. Look for a local insurance representative in your area to see if you can meet with him or her to get started right away. Have all of your questions written down and keep your policy and any pertinent papers in a safe place.