Message to Consumers

• Insurance products are heavily regulated and therefore mostly generic. So their advertisements tout low prices or discounts only, but not differences in policy or service.
• In any given year, more than 99% of homeowners and 95% of car owners don’t file claims.
• It’s something you must buy, yet hope not to use. And of course you don’t want to overpay.
• As you don’t use your insurance until you sustain a loss, it largely offers no measurable value until you file a claim.

​While it isn’t easy to put a true value on your insurance at the time of purchase, you still can comparative shop for meaningful savings. Take your time to cast a wide net. Begin shopping upon receiving your renewal notice or before you need coverage. Contact agents or search online, as no insurer offers the lowest price for everyone everywhere. However, if you prefer an exclusive agent who knows you by name, readily reviews your coverage and choices of insurers, and explains the claims process when you need it, don’t go about your insurance online.

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