Insurance helps you protect the things that matter most in your life. However, to make the most of your policies, you need to choose the best insurance company for your needs and budget. Harold D. Miller Insurance Agency in northeastern Kentucky knows there are plenty of options on the market, and they want you to find the one that’s best for you. Whether you need auto insurance or an umbrella policy, the secret to getting the right coverage is knowing what to ask potential insurance agencies.
5 Questions to Ask an Insurance Company Before Buying Coverage
1. What Types of Insurance Do You Offer?
The first thing you need to know is whether an insurance company has the products you need. For example, if you need life and homeowners insurance, you won’t want to purchase a plan from an agency that exclusively serves life insurance needs and forces you to go elsewhere to cover your house.
2. How Many Years of Experience Do You Have?
In general, the longer an insurance company has been in business, the more experience they will offer. Agencies that have served clients more than 10 years tend to have a strong understanding of the area market and ways to optimize your coverage.
3. Can You Walk Me Through Your Claims Process?
Whether you experience a car accident or property damage, it’s important to know the accommodations your insurance company will make to process your claim. Find out what they will expect from you as well as how available they will be to take your call.
4. How Can You Help Me Save on Insurance?
A good insurance company will list possible discounts that can help you save on your premium. If they offer multiple types of coverage, ask if they bundle plans — such as homeowner’s and car insurance — for a lower total premium.
5. What Would Have a Negative Effect on My Policy?
Many factors influence your premiums and cause insurance companies to raise renewal rates. It’s important to know these factors so you can anticipate spikes, especially if you need to process a claim that could cause an increase. While nonrenewal is rare, it’s also essential to know about instances that might cause an insurance agency to terminate your coverage.
Once you have answers to these questions and quotes for policies, you’ll have the information necessary to choose an excellent insurance company. If you’re looking for an experienced and reliable independent insurance agent in Ashland or Greenup, KY, turn to the experts at Harold D. Miller Insurance Agency. They will be happy to answer your questions and discuss plans — just call (606) 473-6211 for their Greenup office or (606) 324-1295 for their Ashland location. Visit their website for more information about their policies and providers.