Top 7 Things To Look For When Buying Insurance

So you’re ready to shop for insurance and are hoping for a great deal.  But did you know that there are a few things to look for that are much more important than the price of the policy?  In fact, don’t buy your next policy until you look for these seven things.

#1 - A Top Rated Insurance Company  You want an insurance company that will be around if you have a claim.  Don’t choose a company that you've never heard of with a price that seems too good to be true!  If you aren't familiar with the company your agent is recommending, ask for a little more information.  Find out what they are rated in your state and how long they've been around.

#2 - Choose a LOCAL agency!  While all the commercials on TV will tell you to call a 1-800 number for a quote, it’s usually not a great idea.  A local agency gives the same great policies (from the same companies!) but allows you to deal with one person on a regular basis. It’s nice to have a local agent who you can go visit when needed.

#3 - Choose an agency that offers a variety of policies.  Keeping your insurance with one agency makes it MUCH easier when you have a claim.  Plus you can qualify for huge multiple policy discounts!  Find someone who can take care of all your needs in one local location.

#4 - After-Hours Support  What if you have storm damage in the middle of the night?  Do you want to wait until tomorrow to get assistance?  Look for an agency that offers after-hours support!  Many local agencies will provide you with 24/7 claim assistance numbers.  But make sure to ask for the information and keep it in your cell phone.

#5 - Choose an agency that’s EASY to contact!  You don’t want to have to chase your agent down every time you need something.  Ask if the agency is available by email, text, and phone while doing your shopping.

#6 - Do they offer annual reviews?  Things change, especially when it comes to insurance!  You want an agency that will regularly meet with you to review your coverage and make sure you’re protected.  Ask about their review procedures and how they make sure there aren't any gaps in your protection.

#7 - Excellent Customer Service  When it comes down to it, this is the most important!  Choose an agency that wants your business and wants to give you the best possible service!  

We meet all of the criteria above and would love to work with your family.  Give us a call today for a no-obligation quote and insurance review!

Is There Coverage For My Company Car On My Personal Umbrella Policy?

Under the standard Personal Umbrella Policy there is not coverage afforded for the company car that you may be driving on a regular basis unless you are using that car for personal use AND you have “Use of Other Vehicles” endorsed to your Personal Auto Policy and also have that vehicle listed on your Umbrella at the time of a loss. The vehicle also cannot be “owned” by the named insured. Now if you happen to take the company car that is “not provided to you for your regular use” and happen to have a loss while you’re running “personal” errands, then the Umbrella Policy would afford coverage automatically. If that same scenario were to happen with the company car that was provided to you for regular use; you would need to have that vehicle endorsed to your Auto & Umbrella policies in order to have coverage. This is a tricky situation to say the least, so please contact our agency if you have any questions.