Insurance is a part of most everyone’s life. If you are like many, you may have purchased insurance many years ago and then put your policies on autopilot. You think you are well-protected, but how much do you really know about your insurance coverage? Before you let your policies renew without a thought, continue reading to learn three easy ways you can upgrade your insurance experience and ensure you are getting the protection you really need and the best car insurance rates available.
1. Work with an Independent Agent
There are a lot of different ways you can purchase insurance. You can go online and risk building a policy with insufficient coverage and no in-person agent to back you up when you need assistance. You can find a company agent who can only sell you the coverage offered by the insurance carrier they work for. Or, you could dare to think outside the box and work with a full-service independent agent who can provide you access to many different quality carriers. Here at Mooney Insurance, we have been connecting our customers with comprehensive insurance solutions for more than two decades. We have access to dozens of insurance markets, making it easy to find you the coverage you need at a price you can afford. Whether you are looking for the best car insurance rates or a policy with expanded liability limits, we can help you get the coverage you need.
2. Visit Your Agent in Person
In today’s fast-paced, technology-based world, we are used to doing things at the click of a button. When it comes to protecting yourself and the people you love, however, we recommend taking time to visit with your local Tucson independent insurance agent in-person. A face-to-face meeting gives your agent time to get to know you and have a thorough conversation about your risks and the assets you need to protect. You will have the agent’s undivided attention and plenty of time to ask questions and voice your concerns. Here at Mooney Insurance, we have an open-door policy. You are free to stop by our office anytime during regular office hours to speak with a knowledgeable, friendly staff member in-person. Or if you would like, give us a call or send us an email and we’ll meet you at your home when it’s convenient.
3. Conduct an Annual Insurance Review
Have you purchased any new and expensive items, such as jewelry or fine art? This is the time to look around your home to determine what you may have added or gotten rid of, and how doing so may affect your insurance. When it comes to your vehicles, evaluate any changes you may have made in your daily commute, whether you are driving more often or have a child who left her vehicle at home while away at college. Finally, take a look at changes in your debts, assets and income to determine if you might need to raise your liability limits or purchase additional life insurance. When you sit down with your independent agent, discuss these changes and how they affect your coverage needs. This is also the time to find out if you qualify for any new discounts you may not have qualified for in the past.