My Insurance Answers
The job of an insurance agent can be very labor intensive. Most times an agent can't find the time to review each policyholder's account. It is very likely you may be eligible to be rewritten into a better company tier, resulting in lower premiums.
Suggestion... call your agent and make an appointment to personally come in and have him or her review your policy. This way, you are assured that you have the agents undivided attention. This is a good time to review coverages and determine if there are any changes that can be made to your policy that are to your benefit and could possibly lower premiums.
Most companies have varying degrees of tiers for auto coverages. Sub-standard or assurance policies are written when a policyholder represents a high risk, as in excessive violations, accidents or DUI. Preferred rates apply to those who have a clean drivers record and have been insured with no lapse in coverage for a minimum of one year. Take Progressive Insurance for instance. Progressive has up to twenty seven tiers, starting from sub-standard all the way up to ultra preferred.
The purpose of this site is to address some common questions you may have about insurance and coverage issues. Hopefully, the information you gather here will enable you to sit down with your agent and discuss the various means to insure you have the proper coverage and the lowest insurance rates available.
Frequently Asked Questions
Auto Coverages
Health Insurance
Homeowners Insurance
Life Insurance
In the following pages we will answer all these questions and more. Becoming familiar with the different terms and conditions of the various policies will insure you have the proper coverages. After all, if you have to file a claim, or I should say when you file a claim, you will have the peace of mind that you are properly insured.
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