Common Insurance Questions to Keep in Mind

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Insurance can be a very confusing subject for most people. With all of the policy options and legal language that is used to explain insurance, it can be a stressful time for anyone. Luckily, working with an independent insurance agent can help to make the insurance buying experience easy for everyone. Agents have heard almost every insurance question out there, and can help to answer them all, ensure that you are getting the best policy for your needs. Keep these answers to some of the most commonly asked insurance questions in mind when looking for your next policy.

  • Do I have to list all drivers in my household? Many people think that omitting licensed drivers from their auto insurance policy will lower their premiums. However, insurance agents use the number of people who are of driving age in your household to determine how likely a mishap with your vehicle is to occur. If an unnamed driver has an accident in your vehicle, your insurer could contest the claim, or cancel your policy all together.
  • How do I reduce my insurance costs? The best way to save on your insurance policies is to shop around. Beware of policies that seem like they may be too good to be true, because they might be. Look for extra services that are provided by companies to help attract new customers.
  • Do I really need renter’s insurance? Yes. An inexpensive renter’s insurance will provide the coverage needed to protect all of your assets in case of damage or theft. Your landlord’s insurance will not provide any coverage for your belongings in case of many different perils.
  • What if my insurance company goes bust? There are many online services that will provide the financial rating of insurance companies, which will help to let you know if they are a stable company.

For all of your insurance needs throughout Northern California, contact Agers Insurance Services in Oakley, California.