Although it's certainly okay to come to your first meeting empty handed, you can also make plans to be extra prepared to make things easier. More often than not, bringing the right materials can work in your favor for getting the best deal possible on your insurance coverage plan. Always in addition to the materials mentioned below, potential buyers should come well-researched on the type of insurance they would like, the coverage plans the agency offers, the requirements of the state and so on. This information may be difficult to understand, so be sure to ask your insurance agent about any questions you may have.
Consider bringing along the following materials when meeting your insurance agent:
- Proof of Precautions Taken to Reduce Risk
Many people are surprised to hear how many discounts insurance agencies will offer for little precautionary details, such as a car garage or a smoke alarm. These precautions have proven to significantly reduce the risk of damage to the property and will let the insurance agent know that you are actively committing to protect your property as well. Since the meeting is unlikely to take place in your home or vehicle, you will want to bring some form of documentation (pictures, receipts and the item itself) to prove this fact.
- Quotes From Competing Agencies
Bringing along competitor's quotes is a good way to get the best price for your needs. Have all of the research you have collected about the state requirements as well as the packages available and quotes you have received from other insurance companies. When faced directly with the competition, many insurance agents will do their best to find an insurance plan that is comparable to the competition in price and coverage so you can be sure to get what you need.
How does the Insurance Company Determine the Cost of Each Driver on My Policy?
Thanks to online comparison tools, car owners looking for the best auto insurance coverage can look at competing quotes from a range of insurance companies. Many wonder how a company determines the...
Read More →
Do Wood Burners Change your Home Insurance Premiums?
If you install a wood burner or wood stove in your home, your homeowners insurance policy may need to be updated to comply with state insurance regulations. Laws vary from state to state, and it wo...
Read More →
Does Having a Trampoline or Pool Increase My Home Insurance Cost?
Before you put in a swimming pool or purchase a trampoline for your children, consider the additional cost to your home insurance rates. Coverage for a house that already has a pool is much higher ...
Read More →