The Insurance Review
When reviewing insurance options, price is always very important. At Zeiler Insurance, we always want to offer you something more by comparing coverages, deductibles, and carriers. Looking beyond just price will help attain long term understanding and financial well being. To get the most out of your insurance review, here are a few items that we would recommend preparing:
Your Current Policies
You may have heard the term “Apples to Apples” when discussing insurance comparisons. This term suggests that insurance policies can be the same. More often than not, insurance quotes are not identical. Small differences can cause big problems down the line. Assumptions can be your worst enemy when comparing insurance products. Having your current policies handy will allow our expert advisors to provide the best possible experience and understanding in your insurance review. You can obtain these by asking your current agent for your current policies or “dec pages”. Again, our goal is to make sure you are comfortable and confident with your insurance purchasing decisions.
Tickets and Accidents
Some people think fibbing about recent tickets or accidents will help lower an insurance price. The truth is, insurance companies will find out about your tickets and accidents eventually. If they find discrepancies after a policy has already been put into place, they can and will increase your rates during the middle of the policy period. To avoid this, prepare your driving history before your insurance review. This will allow our insurance advisor to find the appropriate company for you initially, and you can avoid mid-term rate increases.
Much like tickets and accidents, preparing your home’s claim history will be crucial in your insurance review. Most carriers will look back 5 years to see what kind of claims you may have had. You can get this information from your current insurance agent - if you don't remember. With this information, company selection is more effective and our insurance advisor can identify what coverages are appropriate for you. Preparing this information will bring more value to your insurance review and consultation.
If you have any questions on how to prepare for a quality insurance review, don’t hesitate to contact our office.
Our expert advisors are waiting to help you.