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What Umbrella Of Protection Do You Need?

 

There is heavy competition in the insurance world.

Whether it’s health insurance they are selling or a bundle of home and life, every company has something different to offer.

We all want the same thing: cheap insurance.

But at what cost?

What price are you willing to pay for the very best insurance?

The concept of insurance has been around for hundreds of years.

It is a way to add protection to one’s life. Insurance leads the way in the business market.

And now, with every new law passed that requires insurance, the insurance companies prosper.

Is this a good thing?

How does one know if they are getting the best deal?

Maybe getting the best deal isn’t as important to you as customer satisfaction.

We all have a different plan for our life, and no two companies are the same.

Here is some insight on the insurance companies that are out there and what they have to offer you!

 

Let’s Talk Insurance

 

First, let us break down what insurance is and what types are out there.

 

Insurance is:

noun
  1. a practice or arrangement by which a company or government agency provides a guarantee of compensation for specified loss, damage, illness, or death in return for payment of a premium.
    2. a thing providing protection against a possible eventuality.

 

But insurance is also more…

 

It is a way for you to choose how much security you want for you and your family and at what price.

Insurance nowadays is so competitive, that the challenge is how to keep customers happy and paying year after year.

Because of this, companies offer large discounts for all sorts of things.

They also reward loyal customers. Insurance companies spend millions every year on advertising.

Remember the Gecko from Geico? Who could forget.

Insurance is the standard for every household and is the second check we write each month, right after the mortgage.

It is a way to feel safe in a very unsafe world.

Insurance can be offered for practically everything.

From your home to your dog and year even that expensive purse!

It is always better to be insured than uninsured in this country.

Types Of Insurance

 

We should try and stay on target.

The types of insurance that we want to discuss are the big five: home, life, car, motorcycle and health.

These are the kinds that are most often written and that most people want.

Supply and demand right?

Homeowners insurance:

Car Insurance:

Motorcycle Insurance:

Life Insurance:

Health Insurance:

 

Companies And What They Have To Offer

 

I will go over a handful of the top cheap insurance companies in the United States.

Based on reviews and the amount of customers they sell to, these agencies are well-known and well-established.

You may be surprised at what you find from each of these separate institutions.

 

State Farm

 

Geico

 

AllState

 

Progressive

What Kind Of Insurance Do These Companies Offer?

 

These larger, more successful insurance agencies basically cover the gamut.

From car insurance to storm coverage for your home, these top four companies will surely have something you need.

Here is a breakdown of how you might begin to search for the right insurance for you.

Most companies offer a price match.

This means that if you are quoted a cheaper price somewhere else, they will most likely match you.

A great way to start looking for insurance is to talk to a broker. A broker is there to work for you, the consumer.

They are not employed by the insurance company. However, some get money from insurance companies for providing them a quota of clients.

This is just how the world works.

Don’t get discouraged because there are many ways to find great deals, even with the top four companies.

 

Know what you are looking for…

 

 

Know if you need the maximum amount of insurance or if you can settle for the minimum.

For example, with car insurance you may only need to have liability coverage.

If your car is paid in full, you do not need the maximum coverage.

$30,000 in liability and $5,000 in property damage will be enough.

If you do choose to get more, here is what else is out there:

 

When you own a home…

 

Live The Healthy Way

Health insurance is a more convoluted type of insurance.

Most companies do provide this but there are a lot of details to consider.

The best health insurance provider is Blue Cross/Blue Shield or Kaiser Permanente.

Now, there are health insurance plans that you can bundle with other plans, but this is not common.

How Does Health Insurance Work?

 

 

Why is insurance so complicated?

 

Well, the truth is that it doesn’t have to be.

To break it down, you pay for what you get.

If you want the maximum amount of coverage, you will pay for it.

Do you want the best customer satisfaction?  You will pay for it.

Between car, home, life and health, you have a lot of money going into insurance.

Make sure you sit down with a broker and work things out.

You will want someone on your side.

 

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