Dating a Insurance Company

You do not marry someone and then find out what he or she is willing to offer you (or at least not successfully).  So why would you sign up with an insurance company and then pick an insurance policy?  People date to see what is out there.  It is good to use the same approach with insurance companies, especially before you buy a house.

Identify Wanted Characteristics:

Location

Would you mind a cyber company?  What if you need to make a claim, would that still be okay?  Do not just think about today but also think about all the possibilities of tomorrow.  Then you will be prepared.

Accessibility

In case of a weekend emergency, would you have to wait until Monday to file a claim?  When the insurance company is open, how hard is it to get an agent on the phone?  You might want to have questions prepared and call at different times throughout the week, including the weekend.

Customer Service

How helpful are the employees?  If an insurance company’s staff treat you rudely now, how will they treat you when you have a claim?

Discounts

What kinds of discounts do they offer?  If getting car insurance, most have good driver discounts, low mileage, and student discounts but ask about the age limit.  Do not forget to ask about multi-line discounts for bundling insurance policies.