Insurance is all about protection. It is what keeps us financially secure through a life that comes ...

1. Acquiring Insurance Made Simple: The Keys To Success
Insurance is all about protection. It is what keeps us financially secure through a life that comes
with impending disaster that we can't always avoid. Knowing what to do and what not to do with our
insurance needs can save a lot of money and a lot of headaches.
Make sure you get insurance to cover work-related property when you have a telecommuting or
independent contracting job. If you work from home, your rental or home owner's insurance policy
does not cover work-related items such as computer equipment used for work so having a separate
policy protects work-related property from theft or damage.
When involved in an insurance claim, be sure to get as many quotes as possible on your own. This
will ensure that you can stand your ground versus an insurance adjuster as well as ensure you are
getting a fair quote. If there is a debate, be sure to calmly confront your adjuster and assume that
they are not trying to cheat you.
When dealing with an insurance claim, be sure to keep accurate logs of the time and money that you
spent on preparing the information needed for your claim. You may be entitled to a reimbursement
for time spent. It is possible that you may need to hire help, or it may also be possible that you lose
work time when preparing the claim.
Keep a written log of every conversation you have with the insurance company, including the date,
time and length of the conversation. This will ensure that you and the insurance company are both
on the same page about what's been said. Recording this information can also help you reach a
settlement, in cases of mishandling by the insurance company.
In order to get the best rates on insurance, it often pays to combine all of your polices under one
company. However, don't automatically assume this would be the cheapest route to go. Sometimes
the multi-policy discount is less than it would be to have separate policies with different companies.
In order to get the best rates on insurance, you should choose the highest deductible you can afford.
This can lower your rates by as much as 25%. It is important however that you would be able to

2. cover the deductible amount in the event that something would happen to your home or auto.
Use the internet to your advantage when doing research on what type of insurance to purchase. The
internet has a wealth of resources on the pros and cons of different types of plans and great advice
on what you should get at different points and times in your life. Use the information available so
that you are as educated on the process as your agent.
If you are a member of a union or other important group, make sure to tell your insurance agent.
Many insurance companies will offer steep discounts for certain groups, so you should ask your
agent if yours does as well. You do not want to miss out on taking advantage of great benefits.
Try to get all of your insurance policies through one agency. If you can use the same company for
auto and homeowner's insurance, you will discover that insurance companies offer discounts for
those with multiple policies. This could save you as much as twenty percent on your premiums that
you could use elsewhere.
Check with the company that you get your other insurances from, like rental insurance and life, to
see if they offer a policy for car insurance. Most companies will offer you a discount for purchasing
multiple policies from them. It may not be the cheapest option so you still need to get quotes from
elsewhere to be sure.
If you're planning on switching insurance providers, make sure you open your new policy BEFORE
canceling your old one. If you cancel your policy first you could find yourself uninsured at the worst
possible time, leaving you uncovered and paying for the situation yourself. Saving money isn't
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When filing a claim be sure to be completely honest with the insurance agent even if the situation is
embarrassing to you. Not being totally honest can lead the agent you speak with to invalidate your
insurance policy altogether, or red flag the account and deny your entire insurance claim.
Insurance on an individuals boat or other water craft can make all the difference when an accident
happens or something unexpected comes up. The insurance will cover any injury related costs,
damage to property, and even damage to the water craft. Insurance is a must have item for any
water craft one may have.
Work toward having good commercial credit. The lower your credit score, the "riskier" you appear to
be to insurance companies. You will get a much better rate on commercial insurance if your credit
score is good. Pay attention to the total amount of debt you have and always pay your bills as soon as
they come in.
Work toward having good commercial credit. The lower your credit score, the "riskier" you appear to
be to insurance companies. You will get a much better rate on commercial insurance if setting up
your own business your credit score is good. Pay attention to the total amount of debt you have and
always pay your bills as soon as they come in.
Whenever you consider an expensive purchase, factor in the cost of insurance. For example, a boat,
motorcycle or RV are nice, but the insurance is a big extra expense. You could possibly just rent
certain things when they're needed rather than paying for the insurance for them all year. Eliminate
all unnecessary items.
If you are unsure about whether you should file an insurance claim, do not call your insurance

3. company and make that type of inquiry. Try to ask someone else that does not work for your
insurance company because many companies add these calls to your file as incidents and they will
try to use them to increase your premiums.
Now you can see all of the reasons why people need to have insurance. In the beginning, a car
accident was talked about, though you can see all the other things for which insurance is needed.
Please do yourself a favor, and make sure that you are insured.