Everyone asks “ Do I really need this coverage?” The answer depends on your specific needs at that specific time. As your circumstances changes so will your insurance needs. Questions to ask your agent is, “Why do I need that coverage?” and “How does that protect me?”. Think of your agent as someone you will have a life long relationship with. This person needs to know what your concerns are, the goals for yourself, family, business, retirement, and what is valuable to you. To ensure that you are educated to make the best decision for your specific circumstances. In a manner that is easy for you to understand with examples that apply to everyday life.

In today’s economy we are all looking for savings. When it comes to insurance the savings come from:

1- Having the right coverage, not paying for coverage that is not needed, and insuring for the right amount of coverage. Insuring a vehicle for $10,000 when the value is $40,000 is a gap commonly found in uninsured/underinsured property coverage. The premium difference in increasing the coverage may be only a few dollars more per policy term depending on the insurance company.

2- Deductibles can be used in two ways to provide savings - high deductibles decreased the premium amount. And low deductibles decrease the out of pocket amount at the time of incident (claim) but it will increase the premium.

3- Knowledge is knowing how insurance works and how to apply it to increase savings that benefit you. Everyone has heard of bundling, the most common one is auto and home insurance under the same company. Most insurance companies will apply a discount to both the auto and home for bundling. Even greater discounts can be applied if you have your life, umbrella, RV, and other insurance under one company. Before making any changes talking with an agent may help you figure out if the savings are worth it.

To accomplish goals at home, work, and life we need a team to make it happen. It is the same with insurance. Having an agent that will listen, ask questions(making sure that we understand your goals and needs), listen again, confirm (clarifying that we are on the same page), explain, educate (answer questions and explain options to your understanding), and respect your educated decision is our goal. At InsuranceGranny / Abuelitadeseguro our goal is be one of your team members. We advise but always respect.