Save On Car Insurance Combine Homeowners And Auto Policies
"Why are my insurance bills so high?"
It might come as a surprise, but the primary reason people pay too much for insurance products is because they fail to shop around. People are busy these days and advertised offers are many. It's tempting to think you can just "grab" a product off the shelf. And you can...there's just no guarantee that it will be the best fit for your situation. You may have just purchased more than you need, not enough to cover your assets, or paid a higher price than was necessary.
Another common reason people pay too much is that they don't realize themselves how to take advantage of the available discounts and without a knowledgeable>, can't discover them. For instance, did you know that combining your homeowner's and auto policies under the same "roof" can result in a discount of 10-20% on your premiums?
Taking the time to comparison shop is crucial if you are trying to get the best price. The main issue is that the average Joe off the street doesn't have access to multiple insurance companies. He's not aware of the various laws that affect what coverage he needs. He doesn't understand how to bundle services, nor does he have access to the software systems that allow for quick cross-comparisons. So who does?
Use an independent insurance agent to help you get the best coverage, at the best price.
An agent will know the law better than you do. State laws typically say that as a driver, you must have insurance. If you or anyone, for whom you're responsible for, seriously injures another person, you can be held liable for the injured person's medical expenses, rehabilitative therapy, and long term nursing care, as well as for his or her lost earnings. There is a plethora of different coverage options to choose from, some required and some not.
An agent can educate you on the best car to drive for the best rates, the steps you can take to better protect your home, and how to get exactly the kind of coverage you need. Face it: most of us have better things to do than keep on top of this stuff. We're behind the curve and as a result, not in a great position to make the most informed decisions on how to protect our loved ones and valuables.
An agent knows the insider secrets and tricks of the trade. Every industry has them and the insurance field is no different. They have their own rating system for vehicles, risk factors, and rates. This is not usually common knowledge to the people on the street. If you want to take advantage of the benefits, you have to work with someone in the "know".
An agent will have access to the tools necessary to get the best insurance quote. With today's highly automated systems, it's not as if there are hardbound volumes stacked on the desk anymore. But it still takes someone with knowledge and ability of how this works to find the best company, coverage options, and prices for your specific situation. Even if you are using an online quoting system, it's beneficial to get on the phone with an actual representative for a few minutes and let them help you customize the fit.
Don't pay more for car insurance than is necessary. You do have options and people available to help. An experienced, independent insurance agent is your advocate and representative; they are also a huge time and money saver! Illinois Insurance Center is one of the Midwest's fastest growing and most progressive insurance agencies. We are a full service agency, representing many different carriers, providing all lines of insurance for your personal and business needs. We do the comparisons for you! To get more information or to speak with an agent, visit
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