7 out 10 people buy insurance they don ́t need
We are all vulnerable in situations such as a traffic incident, a disease, a flooding or a fire. There is no way for us to know if we will be facing a situation of this nature some day. That is why having the right insurance guarantees protection against any of the covered inconveniences and events, and protect everything that is valuable to us: our family and businesses.
How do you choose the right insurance? How will we protect something that is so valuable to us the best way possible?
Search for a company with a 360 vision.
The first thing to do is search for an expert company with certified knowledge about the different plans you can choose from. This global vision provides your insurance agency with the capacity and neutrality to select within a range of options the one that best suits your needs.
Price matters but customer service matters even more
It is common to focus on price when searching for an insurance. An expert company, will go beyond the simple process of buying: instead it will focus on a trust business relationship to advise you on how to make the right choice, accompany you in any claims and provide all customer support all around. Remember, a close relationship will guarantee not only a product made specially for you, but also, a long term support that will keep everything that is valuable to you
Focus on the important terms used in the insurance language
It is very important to know the main terms when choosing the right insurance.
- Premium: Is the price that you pay for policy coverage.
- Deductible: is the amount of money that you pay in case of a claim at the time of an accident, the rest is covered by your insurance.
If you’re interested in having your car covered, you should ask the following questions:
- What is the amount covered by the insurance policy when a third party is affected?
- Which company has a greater coverage in relation to the damage done to the car?
- When it comes to third party liabilities and injuries what medical percentage is covered by the insurance policy?
Always be advised that you may have additional servic- es such as: Free medical home checks, (limited), auto/body shop (coverage) and replacement car. All of this, will save you time and money.
Now, let’s talk about the insurance policy for your home. This can get you out of trouble and avoid issues with your neighbors.
A fire, damages caused by a broken pipe that can affect your house furniture, or even a hail- storm that can damage your roof. These are events that must be taken into account when choosing an insurance policy for your home.
When you first began to build your business and materialize that great idea, thinking about the name, logo and image of your brand was important. Afterwards and thanks to the talent of your employees and your personal effort, your business kept growing and capitalizing. That’s when it becomes important to take into account the threats that your business could face due to external risks and the economical impact that could hurt your income if you don’t have the right coverage. This is why it is important to advise you on how to get an insurance that protects your business, which has cost you a lot of effort, time and dedication.
If you are an employee, you must always check if the company you work for, offers a collective policy benefit.
Always remember: insurance is not only good based on its price and coverage, but also for the relation- ship built between you and your agent. Because he or she will guide you and assist you in getting the insurance that best suits you.