Deciding on what to buy for any type of insurance can be daunting. From the number of insurance companies to the various coverage options, there’s a lot to choose from. What you shouldn’t do is settle, but what you definitely can’t afford is to go without.
Just some food for thought: last year the U.S. saw 16 major events that caused over $306 billion in damages and losses, along with 362 lives. Mother Nature, freak accidents, and economic turmoil can strike at any time. You don’t want to be left sitting with little to no insurance coverage.
Don’t panic, we’re here to break it down, whether you’re looking for life, home, or auto insurance in North Carolina. Just refer to this quick guide if you’re in the market for insurance.
Get Your Money’s Worth
This is a no-brainer, but still worth covering. Price comparisons should be a priority, however, it shouldn’t be all that matters. Getting the absolute cheapest coverage will obviously depend on a few factors: the amount of coverage, deductibles, co-pay, zip code, and even your credit.
Newer insurance companies will also price their insurance packages lower, but the trade-off will be that lack of track record. It’s a balancing act, so expect to spend a lot of time weighing your options.
Accessibility and Service
A red flag should always pop up in your head whenever you feel an insurer’s customer service is impersonal or lacking. Businesses that cannot be bothered to personally invest in their customers shouldn’t be selling insurance. Also, look for convenience and accessibility features, such as:
- 24/7 email, chat, and phone lines
- Mobile apps
- Online billing
- Social media accounts
- Online claims
Perks and Discounts
Insurance companies should value good customers, therefore they should have plenty of incentive to draw those customers. Some standard discounts include:
- Family discounts
- Safe driving bonuses
- Claim-free bonuses
- New car or house discounts
- Student discounts
- Bulk-payment discounts
Most of these discounts should be standard, anything else is icing on the cake. If, for example, your car insurance doesn’t do anything to reward their safe drivers, you might want to read through this guide to see if it’s time for a new policy.
Reputability and Qualifications
Of course, great value and great coverage offered means nothing if the insurance company has no credibility. Before you pull the trigger, you will need to look at the company’s background and reviews.
You can look up any insurance company’s ratings by going to this page, then compare it with other competitors. After that, look at their history, where they’re licensed to do business, and start reading through customer testimonials.
All this hard work and diligence will pay off with the peace of mind you will have from knowing what you’re getting.
The Best Insurance Companies for Your Needs
If you want a head-start in your search of finding the best insurance company for you, then you can start with Amistad. With so many providers out there, the list can be dizzying. Don’t waste any time dealing with the small-fries and unknown establishments.
It’s important to do your homework, so we’re here to help you with any questions you may have with your search. You can contact us anytime for a free consultation and recommendations on what you need to get to make sure you, your loved ones, and your properties are protected.