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Insurance shopping should not be a difficult process.

For the most part you know what you need, regardless if you know the actual terminology used in the industry.

This is an important point to make.

You are a smart and savvy buyer, and you want to ensure you are getting the right protection and coverage for your lifestyle.


Insurance Quotes – The Bottom Line

The bottom line in any insurance comparison process is you!

You are the most important factor to this equation.

Do yourself a favor before you start calling around for quotes or use online insurance comparison tools. Do your homework!


Insurance – Do your Homework!

This homework begins with you writing down the top 3 things you looking for.

No matter if you need car insurance or insurance for a commercial property, list the top 3 thing you expect from the process.

Starting with your expectations always helps the sales and quoting process.

This will give you an accurate financial gauge of your insurance needs.


Cheapest Insurance Quotes – Immediate Goal

If you are searching for the cheapest insurance down possible, your expectations may not be full insurance protection.

This is OK if you do fall into this category.

Everyone has different reasons and needs, it’s important the insurance agent on the other end understands this first.


Goals to Achieve

Once your insurance agent or broker understands your short term and long term goals, they will compare insurance rates in that profile.

The more information you provide them, the better and accurate your quote will be.

Just like an accountant takes down your spending habits and lifestyle behavior to asses your tax planning, the same concept applies in the insurance arena.


Insurance Adviser

A good insurance adviser will grasp your immediate goals and fulfill the long term relationship with useful information.

This information can help bridge any gaps you may have in your current policy or current insurance situation.

Remember, even if you are in an insurance contract at this moment, you are not locked in.


Power to the People

You as the policy holder, have the last say. You can fire your current insurance company at any time. The power is in your hands.

Even though the ultimate decision lies in your court, make sure you are not cancelling out of frustration.

Frustration of service, claims handling and so many other reasons, are not good enough reason to cancel mid way through your monthly cycle if you just made an installment payment.


Don’t Cancel your Policy out of Spite

For example, if you just made your auto insurance payment for the month, do not cancel the policy to start a new one, even if it’s cheaper.

The reason being, your not going to get your monies back right away.

Like with everything in life, there is a process. This process can take up to 30 days.


Think it Through – What’s best for your Bottom Line

So, if you just made a payment on your car insurance, found another carrier with lower rates, and cancelled the next day, your out money.

This means not only to do you have to wait up to 30 days to get any unearned premium back, but now you put out money for a new insurance policy.

  • This does not make sense mathematically. Sometimes we as humans let our emotions override our financial sense.
  • This can be a costly mistake. If you feel frustrated over service or a handling, just give a review if you need to get it out of your system.
  • But, don’t shoot yourself in the foot, which is only costing you more money out of pocket.


Save your Money

The whole point of saving money, is keeping it in your bank account and not an insurance company.

So, before you make a final decision on your current insurance policy, make sure the ultimate decision is based on sound reasons.

  • The best way to ensure logic is injected into this process, jot down some reasons on paper, why you are shopping around.
  • It could mean a lot of different reasons to a lot different people.
  • This is good however. Just write these reasons down. It will help you through the process.
  • You will understand the trigger points to you comparing rates.


New Driver Car Insurance

Even if you are a new driver, new to the whole car insurance or insurance buying world, it is still beneficial to write down what you want in an insurance provider.

Be realistic in your expectations however.

For example, if you are 19 teen years old, living in LA, bought a brand new 2017 BMW 7 series and expect to pay less then 100 dollars a month for full coverage, reality has not set in for you yet.

You may have to call around or get online insurance quotes to understand your price budget.


Rating Factors

There are many rating factors that go into your insurance quote.

  • So, if you are 20 years old, do not expect to pay the same as your parents who have clean driving records and 20 years of driving experience.
  • These rating factors apply to every insurance niche, but for illustration purposes, auto insurance rating factors were used.
  • However, if we were to discuss commercial insurance quotes for truckers the same would apply.


New Ventures

As an example, if you are a new trucking venture needing the same coverage types and limits as your buddy in the trucking business for over 30 years.

So, the bottom line is to write down a few points before you start your online search.

These are some questions you will want to answer and write down.

  • What are you expecting to pay. Be realistic with this answer, as we have used examples of above to show rate variations.
  • What is your short term goal. For example, immediate auto registration, SR-22 Insurance filling or drivers license reinstatement.
  • What is your long term goal. Protection and future security as an example.


Other Questions

Again, you can answer other questions you may have in your mind.

You may want to deal with an independent insurance agent for example versus a direct insurance carrier. Or vice versa.

The reasons can be countless, but try to stay focus on concrete reasons why to switch coverage.

  • Make sure it’s not because you like the logo color or sponsorship.
  • Make sure the reason for buying or switching is because it has a direct effect on you.


Insurance is All About YOU!

Like we mentioned, it’s all about you. It’s about getting the right protection and security so, you can go back to enjoying your life.

Who wants to worry about insurance protection. Most of us just want to find a great rate and put it on auto pay, and forget about it.

There is nothing wrong with this attitude actually. It helps free the mind up for other life factors, like family time.


Buy for the Right Reasons

Just make sure you are buying for the right reasons, and doing your homework before you even start the process.

These extra minutes can save you so much more time in the long run.

Imagine if you knew exactly what you wanted before you even started calling around or going online.

You would be a keen shopper. You couldn’t be talked into anything you didn’t need, and you would get exactly what you wanted. That doesn’t sound bad now, does it?


Insurance Buying – The Simple Way!

This is how insurance buying should be. This is not the case most of the time for most people.

You see it all the time. You and your agent are not on the same page.

The reasons and motivation can be many, but the frustration and headache linger.

  • Do yourself a favor right from the beginning. If you have a DUI, need fillings, for example, let the agent know right away.
  • This way you are both on the same page when discussing your needs.
  • The agent can find a market that specializes in that specific case.


Insurance Rates – We all Pay the Same!

Asking questions and being open, can not only save you on car insurance and other insurance products, but save you from future hassles.

We make insurance buying simple and easy.

Remember, we all pay the same thing for insurance, it’s a matter of who will sale it to you for the lowest amount down possible.


California Insurance Areas: Los Angeles, Orange, Riverside, Moreno Valley, Fullerton, Anaheim, Ontario & Huntington Beach CA.

Target Up Insurance
  • Hank Doss