- Looking for company: You can look into insurance company in many ways, either by meeting an agent or online search or by insurance company representatives. To get to know about insurance, start with the state department of insurance. Check with different insurance companies that are available on the website, collect information about them through internet, look at different quotes and compare them and later contact your agent.
- Agent and company license: Check the company and also the agent whether they are licensed to do this business. Check about the company standards as well as on agents through State department of Insurance. Find out from how many years the company has existed. Also check the complaint ratios of the insurance company you are looking for.
- Company rating standards: Check the claim history of the company and also the financial stability of the insurance company through the State department of Insurance. Also talk to your friends and family members and get to know about what experience they had with the insurance companies.
- Your requirements: After selecting the car insurance company, suggest the requirements which you need. See to that coverages you opted covers all that is needed. Check if any special offers are provided by the insurance company.
- Discounts: Many insurance companies offer discounts for various reasons. By providing discounts you can attract many customers. But you need to ask for discounts for which you are eligible.
- Attention for first policy: The insurance policy depends on the customer and the insurance provider. Keep an eye on any additional coverages if it is necessary.
If the idea of meeting or talking with an insurance agent, whether it is to talk about home or auto insurance, ranks right up there on your list with a root canal or other “fun” activity, there are some ways you can make it a little easier. A little advance research and preparation can go a long way towards making the meeting go a lot smoother.
The most important thing is to have all documentation with you, whether you’re meeting in person, via the phone, or on the Internet. This will keep you from having to scramble, hunting the information or trying to rack your brain in an effort to retain pertinent information.
For home insurance, this documentation can include:
- The deed to your home or mortgage information if you are still paying for your home.
- The construction materials used when the home was built or remodeled.
- How old your home is.
- A list of the types of protection service that are available where you live. This can include such things as which department provides your law enforcement protection (municipal, county, state, etc.) and whether your fire protection is provided by a paid or volunteer fire department.
For auto insurance, the documentation can include the following:
- Make and model of all vehicles requiring insurance coverage.
- Vehicle identification numbers (VINs) of all vehicles requiring insurance coverage.
- Names, dates of birth, social security numbers, marital status, and employment status of all drivers who will need to be insured.
- List of any accidents, traffic violations, or other incidents for all drivers who will need to be insured.
- Information on any driving schools or courses that any drivers took.
- Driver’s license information, including numbers, the State of issuance, and ages of the drivers to be insured when they received their driver’s licenses.