You know… an insurance salesperson. A four-letter word in some circles. Scum, bottom feeder, the boil on the backside of society… you’ve heard it all.
You might be different though. Nobody is here to tell you about how awesome insurance is because it’s not. It sucks. The only people who hate insurance more than the customer is the person selling it. It’s boring, tedious, and it never really changes. There are no cool advances or awesome technology upgrades, but if you ever see an insurance agent excited about insurance, run. Run fast and far away. He’s trying to sell you something you probably don’t need in the first place.
Many people love what they do, not what they sell
Insurance is insurance; it’s all pretty much the same. There is so much joy in helping and teaching people, showing them ways to keep more money in their pockets and stay protected financially. Because of this, some of this advice, drives other insurance agents crazy as it goes against everything they teach you in sales training.
In this article you will hear things rarely spoken by a salesperson or an agent. This is the truth. Many sales professionals hate that, regardless of the field. It would be good for others to have the knowledge and the empowerment to take back their control and understanding of one of the greatest money-making schemes ever seen perpetuated in the insurance world, the one of auto insurance.
In this article, you will learn better ways to manage your auto insurance and help ensure you are paying a fair price for the product. The insight you gain in this, may end up saving you thousands of dollars over the course of your life and help you teach others how to do the same thing. The goal in this isn’t to get rich or find any level of fame, but to show good people a way to see through common misconceptions and less than honest techniques that are used by insurance professionals to generate as much money off the ignorance of the general public.
You have total control, and the mission here is to show you how to take it back.
Drive Better
Anyone who has had any exposure to auto insurance can tell you the basics of what you pay in premiums to an insurance company for coverage is largely focused on you and your driving skills/record. If you suck at driving, you are going to pay more in insurance rates. The more accidents you have, the higher the premiums you have to pay and sometimes it can be regardless if the accident was your fault or not. If you can’t make it out of the driveway without hitting something, it isn’t the insurance company’s fault your rates are so high, it’s yours.
Remember, insurance is based on risk
It is a game of statistics and often times is more accurate than you may think. Insurance companies don’t like risky people and force high risk drivers to pay more for coverage to offset their share of the burden of “loss” (what an insurance company pays out per year to cover claims). Because of this, the more risk you carry, the more you can expect to pay.
An accident or ticket gets reported to underwriting (the people you never see, but always hear about from insurance agents) and can impact you for years after the offense regardless of fault sometimes, so even if you presume to not be at fault you have to remember that there is always that chance that premiums will go up.
Another part of raising premiums is the geographic location of where you live and the statistical likelihood of you being involved in a wreck. Some areas are better than others, but if you have a horrible driving record and live in a high-risk place to drive… then it is going to be extremely expensive for you when it comes to insurance.
What’s the best solution? Drive better
Easy, right? Pay attention. Put down the damn phone. Focus on the road and the people around you. Also, taking a driving course can often get you a break in insurance rates at some companies (especially if you are over 60) as well, so ask about that option.
Don’t skimp on coverage if you suck at driving and don’t let a salesperson talk you into paying high prices on high limits for “quality” insurance if you are a good driver. Many customers only purchase bare minimum coverage and go for 30 years with no accidents. It is not only possible, but it can save you a TON of money in the long run.
Broker Fee Agreement
In insurance terms, it means the contract agreement between the insured/policyholder and the licensed broker during the period of active insurance coverage.
Sometimes, this agreement may include the actual charges of the services of the broker for the insurance coverage of the policyholder.
All decisions and actions are mostly based on this agreement of the insurance policy. This helps in avoiding unnecessary disagreement and failures during the insurance coverage.
Goodtogoinsurance.org is designed to give you the needed qualification for auto insurance coverage and to get reliable auto insurance companies and cheap quotes that are best for you.
Here are 4 particular myths that drain money out of your pocket
Having a car is essential if you need to get around town or commute to work. Having auto insurance is mandatory regardless of what type of vehicle you own.
We all are interested in saving money
One of the biggest annual expenses we endure is auto insurance. Most people go on blind faith when it comes to insuring their cars. They feel lucky that insurance company a will provide them coverage.
Insurance coverage is based on many different variables; your age, car type and credit rating to name a few. Based on these variables, there is a general ballpark figure that most insurance companies play in regarding your rates. Because of the competitive nature of the insurance business, similar to gas stations; you will find few price variations for major coverage’s.
However, if you are willing to do a little more research, you can use the information regarding these 4 myths to save you money on your coverage. Based on the following information, you can expect a saving of up to a few hundred dollars. Let’s talk about these 4 insurance myths and how they impact your pocketbook.
Underinsured /Uninsured motorists’ insurance coverage –
This policy offers protection to the policyholders if the person at fault is underinsured or not insured at all. It is advisable to ask your insurance service provider what your charges in case you will be got involved in such a situation. Normally the insurance provider should not charge you some extra premiums.
Rental reimbursement, towing and labor –
This extra coverage often given with a comprehensive insurance is considered as specials by auto insurance companies.
So, in case, your car got damaged the insurance service provider will pay you for the rental cost for the only couple of day. They can also offer to pay for the towing of your vehicle but not always included in the policy. You can also inquire from your insurance company what is included in the cover.
The legal requirements
Most countries and sometimes states will require a certain level of cover ranging from full comprehensive auto insurance to a third-party auto insurance.
Other Types of auto insurance
Medical, Personal Injury protection and no-fault cover –
This insurance will cover the medical expense for you and your passengers in case you got involved in a collision.
The insurance service provider under the no-fault cover insurance policy will pay you regardless of who is at fault in the accident. This provides you the peace of mind for your family and friends.
Personal Injury protection is often a minimum requirement that is practiced in some states or countries; you can ask your insurance service provider what the requirements in your state are.
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