From Fur Babies to Fire Hydrants: Your Home Insurance Premiums

When I got my kids a dog, I had no idea that it could affect my homeowners insurance. I happened to run into my insurance agent in the store when I was buying dog food and he asked me what kind of dog we had. When I told him, he said I should stop in the office the next day. I had no idea that things like this could affect premiums, so I started asking what else could do it as well. I created this site to help others understand some of the finer points of homeowners insurance and what they should think about to manage their rates.

Questions You Should Ask Before Purchasing Auto Insurance

Insurance Blog

Choosing the right insurance provider can feel challenging. There are many people who think that it is a only about price, and once they find a provider that gives them a good deal, they are done. Price is just one of many factors when it comes to choosing the right insurance. Here are some things that you should know about car insurance and questions you should be asking.

How Easy Is It To Make A Claim?

The goal of insurance is to have it, but never need to use it, since that means you have a problem with your car. Realistically, at some point you are going to need to access your insurance policy and when you are ready to make a claim you need to know that it is simple to do. If when you call the provider they are hard to get a hold of, they give you the run around, you don't talk to the same person each time, or they can't answer simple questions, you have a problem. It will be frustrating to spend that much money in auto insurance, only to have serious problem when making claims.

This is why you should have trial calls before you choose a company. See how quickly they respond, if they are easy to talk to, and if they seem like they could handle a claim promptly.

Are There Car Mechanics Around You That Accept Your Insurance?

Another thing that many people fail to do is check around to make sure that the insurance is accepted by car mechanics around them. For instance, if you find a great deal on insurance on the internet and purchase it, there is a chance that the insurance is only a local insurer and will be a major headache to get claims filed when you are traveling, or even in your home town. You should always ask for areas of the country that they do and don't cover so you know you have coverage where you need it.

Do They Offer Discounts?

Lastly, you need to ask about discounts. Many insurance providers will offer lots of incentives to use them. These incentives can save you a good deal of money in the long run, which is why you shouldn't dismiss them. You can save money by getting good grades in school, driving less, bundling your policy, rebates if you don't make a claim that year and so forth.

By asking these questions you will be confident you are purchasing the right insurance for you. For more information, visit websites like


28 March 2017