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 Blog

How To Buy Insurance?
writes, "It's a fact of life...you need insurance. Sure, you may be able to survive without it, but you would be putting yourself at so much risk that it would be foolish. But if you are looking to buy insurance, then there are some things that you should know. We'll start with the insurance companies. If you have ever seen an insurance commercial, then you know how much they try to show you..."

It's a fact of life...you need insurance. Sure, you may be able to survive without it, but you would be putting yourself at so much risk that it would be foolish. But if you are looking to buy insurance, then there are some things that you should know.

We'll start with the insurance companies. If you have ever seen an insurance commercial, then you know how much they try to show you how much they care. These companies want you to feel as though you will have no worries and that they really want to protect you as a customer. Wrong! The truth simply doesn't line up with that perception.

So what do the insurance companies care about? Making money; that's it. In fact, it's quite common for insurance companies to pull your credit report before deciding how much to charge you, or if they will cover you at all. The reason is that they are only concerned about measuring their risk of having you as a policy holder. Regardless of the image they want to portray, you are nothing more than a series of statistics to them. The good news is that knowing this can help you whenever you buy insurance.

If you want to buy insurance from an agent, then always keep in mind who they are really looking out for. That being said, they can offer you a wide range of policies that fit your needs, but be careful that you aren't swayed by their high pressure sales tactics. In fact, you can use the amount of pressure they use to determine how much any policy benefits them (instead of you). So, if they are trying really hard to sell you a whole life insurance policy, but you want term insurance, then that's a good sign that the whole life policy will put more money in their pocket.

Another important thing to remember is that you can do things to decrease your statistical risk. For example, if you're looking to buy insurance for your car then there is a base price, and then there are discounts. These discounts are offered in direct relation to your perceived risk. Having an enclosed garage, anti-lock brakes, living in the right neighborhood, having a clean driving record and not driving a lot of miles will all help to lower your risk, and thereby your premium. Always asking about various discounts is a good habit to get into. The insurance companies don't mind; after all, they have the discounts in place for a reason.

You should take some time to shop around before you buy insurance. However, don't automatically get the cheapest policy just because it's the cheapest. You need to make sure that you are comparing similar policies; otherwise you may fall short in one area or another. One way some insurance companies keep their premiums low is by having a high deductible. There's nothing wrong with that, especially if you can afford it, but be sure you understand all of the terms and conditions before you select any insurance policy.

Comments
This information was extremely helpful and eye-opening for me. I will Tweet to my followers!Thanks.

-- JS1300, May 03, 2016 03:50am

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