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Posted December 7th, 2012
Many people believe that there are only two types of automobile insurance, full coverage and minimum limit insurance. While these two are types of insurance, they are only two of hundreds (or even thousands) of options that offer protection for you and you auto. When buying insurance keep in mind that purchasing insurance can be as easy or complicated as buying paint. It’s easy to make a selection, if you don’t care about the color, but if you want to match the color to something in your house, you have some decisions to make.
It’s also good to remember, that unlike paint, if you make the wrong insurance selection you can’t just cover it up. The wrong insurance coverage can affect you for a lifetime!
How and where you buy is important! It is possible to go into a store and grab a gallon of cheap white paint for the ceiling of your home, but as soon as you start putting it on the ceiling you notice some problems. First you see that the colors are not quite the same shade. Then you begin to notice that they finish seems off and it is a little duller. As you continue to paint you realize that the stains you were trying to cover are coming right back through the paint. It appears that the quick and cheap selection you made will have to be redone.
That’s why most experts recommend a local independent insurance agent. He is not only a licensed expert; he is a member of your community. His reputation is built on service and product and he will work with you to make sure that you have the right products and selections that are appropriate. He understands that your budget is important and he also realizes that some things are too important to not have the best. He also understands that there are solutions that can reduce the cost of insurance and still give you the protection in case the worst happens.
A good insurance agent can adjust the coverage to increase the limits, but then adjust the deductible allowing you to share in the risk at a manageable level. Increasing your deductibles from $100 to $1,000 can make a huge difference and still cushion the hit of a major collision.
A professional independent insurance agent also knows which coverages are linked to each other’s and how that can affect you and your family. In many states, bodily injury protection can limit the amount of coverage that protects you from uninsured or underinsured drivers. Saving money by selecting a lower bodily injury (BI) limit can make a catastrophic difference in your protection.
Smart consumers know that getting a quote from a local independent insurance agent is worth the effort in just the same way as purchasing a high quality well-matched paint.