Don’t Trim Coverages – Make Sure You Are Properly Insured

Between mortgage payments, car payments, and utility bills, I understand the need to try to save a few dollars when you can. Just like comparing two similar products in the grocery store for price and value, insurance isn’t much different. 

“One of the benefits of working with an independent agent, we cut out some of the work for you.”

We gather your information and quote your line of business against all of our carriers (not just one company) to get you the best bang for your buck. 

What many people neglect is the fact that there is much more to insurance than just price. Not every insurance policy is the same, and I suggest consumers be vigilant when shopping for insurance to ensure you aren’t compromising a multitude of coverage to save a few dollars. 

Your Trusted Choice Independent Insurance Agent can help you find other ways to save money, such as with multi-policy discounts, claims free discounts, safe driving discounts, adding accident forgiveness to your policy and more. 

Some insurance companies offer a variety of optional coverages that can be valuable to consumers as well. Many companies offer these extended coverages bundled together, and are often cheaper than purchasing each individual one separately. Always have a discussion with your agent about the value of optional coverages. Some you may find are worth the value of the premium your insurance company is charging. 

You can have your local independent insurance agent look at the possibility of raising your deductible amounts, which often lower premiums. Other options are if you pay for a service already with a company such as AAA, you may not need coverage for towing on your insurance. Your vehicles warranty from your dealership could include certain benefits such as rental car reimbursement that you may not need to carry on your insurance policy.

There are a variety of methods to put money back in your pocket. Compromising the coverages on your insurance policy should be a last resort!

We see all too often where consumers have elected to purchase lower coverages to save a few dollars. The savings is great until you find yourself in an uncomfortable situation where you need the coverage that you don’t have on your policy. 

For instance, Property damage provides coverage for other people’s property.

If you hit another person’s car or damage city property (such as a guardrail or traffic sign) your property damage coverage on your car insurance will cover the damages up to the limit listed on your policy. If you don’t have this coverage on your policy, you could be responsible out-of-pocket for the costs you incur. 

As local independent insurance agents, we want to see our customers have a policy that meets their individual needs.

Call us today to discuss your policy and review it with a team member to see what we can do for you! You can also request a quote using the form below!

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Are you ready to save time, aggravation, and money? The team at Deep Associates is here and ready to make the process as painless as possible. We look forward to meeting you!