Life can be unpredictable. In the event of an unfortunate accident, your insurance might be what is standing between you and financial disaster. However, finding the right policy can be complicated. An insurance agency can help cut through the technical jargon to help clients find the best coverage at affordable rates. However, before signing on with a company, consider asking them the following questions.

What to Know About Insurance Agencies

1. How Long Have You Been in Business?

As with any business, longevity is often a mark of quality, speaking to their reputation in the communities they serve. In addition, insurance agencies which have been open for decades have developed effective strategies that allow them to identify problems before they arise and find every discount their clients qualify for.

2. Are You an Independent Agency?

Some insurance agencies only sell products from a single carrier, which gives them an incentive to push policies that might not be right for you. Independent agencies, on the other hand, work with many providers, giving them more options to choose from and the ability to shop around for a policy that meets your needs.

3. Should I Take a Policy With a Higher Deductible?

The deductible is your share of the damages, which you’ll have to pay before the insurance coverage kicks in. Generally, plans with higher deductibles have lower monthly payments, which can save you a lot of money in the long term. A reputable agency with your interests in mind will carefully explain the options and recommend ways to lower your premiums by raising the deductible or cutting unnecessary coverage.

For over 25 years, the agents at Accredited Insurance Group have provided excellent service and carefully tailored policies to clients throughout Nebraska and Iowa. As a fully independent insurance agency, they work for you, not the carriers, and will ensure you’re protected against whatever life might throw your way. Visit their website or call (402) 334-1780 to request a free insurance quote. Follow their Twitter for more professional tips and insight.