Tips for Finding the Right Insurance

From Keystone Insurance Associates

When shopping for insurance, there are a few pointers to take into consideration to help make sure you get the right coverage for your needs. Those not terribly familiar with insurance or with little time to research may not be aware of how to secure the best options for themselves or their families. These brief few tips are designed to help you successfully shop for insurance.

Tip 1: Shop Smart -> When you’re shopping for your insurance, finding the right coverage for yourself and your family is top priority. Yes, budget is important, but you need to make sure you have the right coverage. This should be prioritized over price. Once, you have found the right insurance you can begin to think about the price.

Tip 2: Look for Discounts -> After you decide on what your coverage needs are, factor in your budget and look for ways to save. Carriers often offer discounts for various reasons such as; paying your policy in full, being accident-free, or getting good grades in school. Another simple way to save, is by bundling multiple policies.

Tip 3: Fill in the Gaps -> An average policy only covers the basics. If you have unique insurance needs, you may need special coverage. For example, maybe you have an expensive piece of jewelry that would be financially difficult to replace. In this case, you may need additional coverage.

Tip 4: Talk to Multiple Agents -> When purchasing insurance, getting as many options as possible is essential to you, the buyer. One way to do this is by talking to multiple agents from different carriers, as well as independent agents, which work with multiple carriers (the Columbia Montour Chamber has several members in both categories). This can help to ensure that you’re getting the best coverage for the best price, as well as make sure all your assets are covered, all pertinent discounts are found, and any life changes are also factored in, because as your life changes, your insurance needs also can change.

Implementing these tips while shopping insurance is sure to help you find the right coverage. See a complete list of the Chamber’s members in the insurance category.