standard home insurance

It’s that time again. You are busy with the hustle and bustle of the work week, getting the kids to their team sports practices and games and working full time. Then it’s time to run out for a quick meal, trying to make “healthy” a choice. It can sometimes be a Catch-22 these days. Do you take the easy road and order Chinese take-out, or do you run to the grocery store and buy organic salad ingredients, with a store bought rotisserie chicken? I vote for the latter, but in this day and time, because of time constraints, it just may be Chinese take out!

Don’t Get Confused

This brings me to the next phase of the evening, going through the mail. Yep, the usual, some advertisements, bills and your car insurance renewal. And guess what, your premium went up, wow! You think to yourself, “Tomorrow, I am going to make a few calls and see if another insurance company can help me lower these premiums.” So you do, and you are more confused now about the options you have. What is the difference in deductible and liability? What is medical payments coverage? What did that man say again about collision coverage? You know you need to make a decision, but which options are really better for you? You’re just not sure.

3 Steps To Getting The Best Car Insurance Renewal Deal

When speaking to an insurance agent and shopping car insurance rates and coverages, here are 3 steps to getting the best deal.

  1. Make an apples-to-apples comparison of how you are currently insured. Compare the estimate to your current car insurance coverages and make sure they match up.
  2. If you don’t understand the insurance “lingo” your agent is speaking, ask them to clarify it. You want to ensure you are making the right choice and that they are truly helping you save money.
  3. Don’t carry just the minimum liability limits your state requires! It could be financially devastating if you’re at fault and don’t have enough coverage to pay your claim.

Making the best car insurance choice for your household may not be what some of these companies out there are advertising. Contact Southern States Insurance today to get a free quote for your car insurance.