Insurance Buying Tips from Logan Branch

Whether looking for auto, homeowner's, commercial, or life insurance, the following tips will help one determine their insurance requirements at a reasonable price.

Determine your needs. Imagine the cost to replace an item of valuable in today’s dollars such as a home, car, jewelry, computers or anything else regarded as important. And, consider the expense and inconvenience of replacing a stolen or wrecked car or repairing damages from a house fire. The cost of insurance is comparatively small and gives great peace of mind.

Determine the different types of coverage available. Insurance companies offer a myriad of coverage geared to a variety of needs.

Determine your budget. Figure out what the budget affords to spend on insurance each month, semi-annually, or each year. Most companies provide payment options, including automatic funds transfers that simplify the payment process.

Buy only as much coverage as you need. Once individual needs are determined against available coverage, begin to customize the policy with a Logan Branch agent, who will aide in assessing budgeting aspects. 

Ask a Logan Branch agent about the policy's deductible. The "deductible" is the portion of out-of-pocket expense one must pay before the insurance policy kicks-in. Generally, a higher deductible means lower premium. That’s because one assumes larger out-of-pocket expenses.

Ask a Logan Branch agent about a multiple policy discount. Some insurance companies offer a discount if you purchase more than one type of policy (auto, home, and/or life).

Ask a Logan Branch agent about other discounts available.  Home or business smoke detectors, sprinkler and security alarm systems, anti-lock brakes on a vehicle are items that may reward one with policy discounts through most insurance companies. We'll be happy to review these with you.

  

Advantages of using an independent insurance agent

When it comes to buying insurance, there are many choices and decisions. Because an independent agent does not represent only one company, the agent is in a position to better advise you by offering many alternatives, products, and services.

While many companies offer similar products and coverages, each insurance company is unique with respect their pricing and coverages. An independent agent's job is know what those variables are, and to help you get the best coverage for your specific need and budget.
 

Get a free quote from Logan Branch Insurance