There are so many insurance policies to be chosen and all of them cost money. Certain insurance coverage is necessary and prudent, that’s why we need to choose carefully. Before you buy any policy, read it carefully to make sure that you understand the terms, coverage and costs. Don't sign until you are comfortable with the coverage and assured that you need it.
Here are some general tips:
1. It is recommended to bring your current insurance policy with you when requesting your insurance quotes.
2. You need to consider a higher insurance deductible.
3. You may put all of your insurance policies with the same company to qualify for a multiple policy discount.
You may also consider below tips for certain insurance types.
For car insurance:
1. Be sure that all vehicle discounts are applied (anti-lock brakes, alarm system, daytime running lights, etc.).
2. Be very accurate about your mileage to and from work.
3. Do not hesitate to ask about affinity discounts.
For homeowners insurance:
1. Be sure that your home is insured that suits to its value
2. Be sure that all home discounts are applied (alarm, smoke alarms, fire extinguishers, etc.)
3. If your older home has been renovated, do not forget to tell your agent as soon as possible.
For life insurance:
1. You need to consider the level premium term insurance.
2. If you are a smoker but had been quit for at least 13 months, you might request your insurance company to consider giving you a nonsmoker insurance rate.
For a health insurance:
1. You need to consider a higher co-payment or deductible.
2. Joining a group health insurance plan is better.
For a long-term insurance:
1. You need to consider a longer elimination/waiting period.
2. Purchase coverage when you are still young, because the premium will be much lower.
3. You may choose a daily benefit based on where you live.
There are so many insurance policies to be chosen and all of them cost money. Certain insurance coverage is necessary and prudent, that’s why we need to choose carefully. Before you buy any policy, read it carefully to make sure that you understand the terms, coverage and costs. Don't sign until you are comfortable with the coverage and assured that you need it.
Here are some general tips:
1. It is recommended to bring your current insurance policy with you when requesting your insurance quotes.
2. You need to consider a higher insurance deductible.
3. You may put all of your insurance policies with the same company to qualify for a multiple policy discount.
You may also consider below tips for certain insurance types.
For car insurance:
1. Be sure that all vehicle discounts are applied (anti-lock brakes, alarm system, daytime running lights, etc.).
2. Be very accurate about your mileage to and from work.
3. Do not hesitate to ask about affinity discounts.
For homeowners insurance:
1. Be sure that your home is insured that suits to its value
2. Be sure that all home discounts are applied (alarm, smoke alarms, fire extinguishers, etc.)
3. If your older home has been renovated, do not forget to tell your agent as soon as possible.
For life insurance:
1. You need to consider the level premium term insurance.
2. If you are a smoker but had been quit for at least 13 months, you might request your insurance company to consider giving you a nonsmoker insurance rate.
For a health insurance:
1. You need to consider a higher co-payment or deductible.
2. Joining a group health insurance plan is better.
For a long-term insurance:
1. You need to consider a longer elimination/waiting period.
2. Purchase coverage when you are still young, because the premium will be much lower.
3. You may choose a daily benefit based on where you live.
