When shopping around for insurance, it’s important to compare cost and coverage. They are not the same thing. You’ll want to choose the best balance between the two that are right for you. When you are in the process of receiving quotes, take a look at different types of insurance companies.
Independent agent or broker — These agents, and companies, partner with multiple insurance carriers. they are able to shop around for their clients with the least hassle on you. That means you speak with one agent and get countless options rather than speaking to many or finding the options yourself. This is the best option if you are looking for cost and coverage customized for your needs. Remember, these agents are pure advisors, not just here to sell you.
Direct Agent — These are the everyday companies you are used to seeing on TV like Allstate, Progressive, Geico, and more. You can think of them as your one-stop-shop offering all types of insurances. While that may sound great, it means they don’t specialize in any time. In other words, they are a master of none and can only offer you quotes from their company. This greatly limits your options.
Shopping Insurance Quotes for Cost and Coverage – St. Clair Shores, MI
“So I’m a little more biased, right, I’d say let’s go right to an independent agent or a broker. But that’s not to say that the Allstates and State Farms and you know, the other captive agents aren’t good options for some people, right? Every single insurance company is going to reach you differently, and uniquely. You’re gonna have a different cost through every single company. So an independent agent is going to be able to cast a much broader net for you, they’re gonna shop five or 10 different companies. But what you’d want to do, and what’s difficult is you kind of have to understand insurance to be able to effectively shop. So it’s important to find out which coverages you really need, what’s important and what levels are a good fit for you. Between your auto, there’s probably six or seven coverages that I, you know, tell the client to focus on probably about the same amount on your homeowners as well. And if you can better understand those things, when you’re shopping, you’re not only relying on the agent, right, you can provide some feedback and say, “this is how much liability coverage I want to carry. This is how much dwelling coverage I want to carry on my home and here’s why.” That just gives you ammunition to more effectively shop and to make sure that if you’re getting quotes through a number of different agents, or across a broad number of companies, that these quotes have similar coverages on them, right? So if you get five different quotes through five different agents, but all of the coverages are different, it makes it very difficult for you to compare coverage and costs and most people are only looking at the bottom line, they’re only looking at the dollars and the cents and they forget to see what is included with that policy. So to understand that and not go directly towards your cost is, in my opinion, the best way to shop your insurance.
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