Tips for Getting the Best Insurance Quote

by MarketProSecure

General insurance tips

• Have your current insurance policy with you when requesting your insurance quotes.
• Consider a higher insurance deductible to a level you can afford.
• Place all of your insurance policies with the same company to qualify for a multiple policy discount.
• Compare several Insurance quotes before deciding to apply.
• Only deal with established and reliable Online Insurance agents.
• Remember Insurance quotes only provide you with information. There is no commitment to apply.

Auto insurance quotes

• Be sure all vehicle features that attract discounts have those discounts applied (Anti-lock brakes, Alarm system, daytime running lights, glass-etching, etc.).
• Take a defensive driving course.
• Be very accurate about your mileage to and from work.
• Ask about affinity discounts.

Homeowners insurance quotes

• Be sure that your home is insured to its true value.
• Be sure all home discounts are applied where you have an intruder alarm, smoke alarms, fire extinguishers, dead bolt locks, etc.
• If your home has recently been renovated make sure you tell your agent.

Life insurance quotes

• Make sure you apply for a policy that will meet your needs.
• If you are a smoker consider stopping! After 13 months you can ask your insurer to consider you for a non-smoker insurance rate.
• Always use a reliable insurance agent.

Health insurance quotes

• Consider a higher co-payment or deductible that you can realistically afford.
• Join a group health insurance plan.

Long-term insurance quotes

• Consider a longer elimination (waiting) period.
• Purchase coverage when you are young (premiums are lower).
• Pick a daily benefit based on where you live.

Published: November 23, 2007

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