How to Find the Best Home and Auto Insurance Coverage
It is commonly known information that home owners and drivers need to have insurance. But if you are a first-time homeowner or just starting in your driving career, the options that are available may have you feeling overwhelmed and confused.
The first thing to take into account are the insurance laws in your state, since they can vary from one state to another it is important to know the laws in your state when you are shopping around for your insurance provider. The next thing you’ll want to keep in mind is that you will want to get quotes from more than one company so that you can compare the information to be sure you are getting the best price.
There are different methods that can be used to be sure you receive the best possible price for your insurance needs. There are several websites that can be utilzed to gain quotes from different insurance companies. It’s also a good idea to call some insurance companies and talk to them directly. When you call the insurance companies directly, you will be able to speak with a person and find out if there are discounts available for you.
When purchasing auto insurance, be aware of your states minimum requirements so that you don’t find yourself in violation of the law by being underinsured. While the minimum coverage required by state is the least amount that should be carried, it’s still a good idea to carry a larger amount than this.
However, when purchasing homeowners insurance things will be a little different. While many states do have a minimum dollar amount, the repairs you may encounter will often be more than expected so you will definitely want to have coverage above and beyond the minimum allowed.
It’s also suggested that you choose a company that has a local agent so that if you should have to file a claim you will have a person available to help walk you through the process and possibly even expedite things. But it is important to keep in mind that many companies simply use call centers. This means that if you have to file a claim for a car accident or wind damage to your home, you will be calling this central location and they will then send an agent to you.
It’s also suggested that you insure both your car and home through the same company as they may provide you with a discount for doing so. And there are other options available for securing discounts on the premiums for your insurance policies.
There are discounts for your vehicle’s safety features and alarm system, day-time running lights and taking defensive driving classes.
For homeowners insurance you can get discounts for more fire-retardant building materials such as brick, living near a fire station, home alarms and the use of solar energy.
But these discounts will not be offered to you, you will actually have to specifically ask for available discounts so it’s important to mention any of these features when you are shopping around.
The main thing to keep in mind when shopping is that you will want to be sure your home and car have proper coverage in case you ever find yourself in the position of having to file a claim. Taking the time needed to do the research at the beginning, when you are first getting the insurance, can save a lot of time and headaches down the road.