Wednesday, February 26, 2014

by wseibel

What is the definition of Cheap?  not costing a lot of money: of low quality : not worth a lot of money

What is the definition of Value?  the regard that something is held to deserve; the importance, worth, or usefulness of something

We all want cheaper car insurance rates; insurance is not something that we should skimp on.  Better protection for a small amount will save a lot if you were ever to get in an accident.

No one ever plans on having an accident or possibly being severely injured in an accident.  When it happens people usually wish that they would have had better insurance.

Shopping around will produce a good rate but how many of us really know what we are buying? If an insurance consumer were to have the ability to quote their own coverage based on a pricing scale, most would pick protection based on the premium NOT the protection. Most disappointment sets in after the claim is reported and the coverage is less than expected based on the need at the time. After all, how many insurance consumers are educated in the variable associated with insurance? Insurance is a necessary evil that takes up an average of 30% of the consumer’s budget, which nobody expects to use, until they need it so why wait until a claim to know what you bought.

Make sure that while you are shopping around that each company is giving you the same exact quote. Many insurance salesmen know that if you are shopping, that they need to be as competitive as possible in an effort to lure you into their office and THEN sell you what you need.

Do not fall for the “Bait and Switch” tactics of insurance salesmen and select a professional independent insurance agency/professional that will “consult” you on your needs and tailors protection based on your personal needs and budget. Independent Insurance Agencies have the most diversity in products for that “One Stop Shopping Experience” that most are seeking in today’s busy lifestyles.

People think they’re comparing apples to apples, but sometimes those apples are rotten.” Says Addison Gardner, Owner of The Gardner Insurance Group in Oklahoma City.

Here are several ways that cheap insurance could end up costing more:

  • You might not have enough liability insurance to cover your assets.
  • You might have to raise your deductible so high that you can’t pay for repairs if they are needed.
  • You might buy a policy that does not extend coverage for rental cars or doesn’t extend coverage to a new car when you replace your vehicle.
  • They might have a bad reputation; check out how they handle customer service.
  • You might not have Roadside service or rental car reimbursement.
  • Might not have enough protection for your passenger and you.

If you have ever experienced the above and you are looking for that personalize attention that you deserve give Eaton Insurance Service a call. We are an Independent Agency representing many Domicile and National companies to choose from. Let our professional agents do the shopping for you without the hassle of calling numerous agents looking for the coverage that you want and need.

Making the correct choices today may save you tomorrow.

Posted 7:42 PM

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