How to find the most affordable insurance for you and your family

We are pleased to feature a guest post from Carol Wilson.

Choosing the right insurance is one of the most stressful decisions you’ll probably ever make. Not only are you looking for affordable insurance coverage for you and your family, you’re also looking for a plan that won’t try to trick you or manipulate you out of money or out of coverage. After working in insurance for many years, I’ve seen my fair share of people get slighted out of the coverage they deserve. It can be disheartening and even downright infuriating sometimes to see people not get the rightful coverage they deserve. For those of you who are looking for good insurance coverage – whether it is health insurance, flood insurance, dental insurance, home insurance, etc. – here are three suggestions on how to track down the best insurance for you and your family.

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Consult insurance experts off the clock

One of my least favorite things to do is meet with insurance agents. Most of the time, the insurance agents you speak with will sound like they are reading off a script. Oftentimes, it’s hard to get a straight answer out of an agent over the phone or in person, so I do my best to avoid consulting with them. Instead, I choose to reach out to my inner circle of friends and ask them to refer an insurance-agent friend of theirs that I can speak to off the clock. By speaking with an agent off the clock, you’ll be able to get more honest, concrete answers regarding your numerous questions and concerns. Furthermore, since the agent will know you are being referred to them by a friend, they’ll likely treat you with more respect and courtesy than if you were just some random customer who called them up.

Read and dissect every insurance coverage description you read

Insurance policies come with long, detailed pamphlets and descriptions; do yourself a favor and read every pamphlet and form you receive when you start looking into insurance policies.
Yes, it’s extremely exhausting to have to read through all this material, but it’s of the utmost importance that you understand what you’re getting yourself into when you’re considering
different insurance policies. Whenever you start looking into different policies, pull out a pencil and some paper and start jotting down all the questions you have during your reads. Then, take your questions to an insurance expert and have them give you thorough, detailed answers to all of your questions. Again, it’s of the utmost importance that you understand all that you’re getting into before you sign up for any particular insurance policy.

Have a budget window in mind

We’d all like to have the most fantastic, stable coverage on the market today. Sadly though, the better your insurance coverage is, the more expensive it becomes. I know when I had to first start paying for my health insurance, I felt like I was being robbed of my monthly paycheck. What I didn’t realize though was that I was paying too much for my coverage. I wasn’t even using most of my insurance benefits, and when I finally looked into it, I realized I could be paying hundreds less for the amount of coverage I was utilizing on my plan. When you start searching for insurance plans for you and your family, have a determined budget window in mind. By planning ahead on how much you’re able/willing to pay, you’ll be able to select the most ideal plans for you and your family.

Shopping for insurance isn’t the most exciting excursion you’ll ever go on, but it’s without a doubt one of the most important purchases you’ll ever make. Whenever you go to shop for a
myriad of insurance policies, always utilize insurance referrals, have a budget in mind, and read every bit of information you can get your hands on.

Carol Wilson has spent a good majority of her life working for insurance agencies and calculating insurance quotes for businessinsurance.org—so if anyone knows a thing or two about
insurance it’s Carol. But aside from sharing her knowledge to readers, she also enjoys sharing her thoughts and opinions on other business-related topics such as marketing techniques. She welcomes your comments at [email protected].