No such thing as a ‘BALLPARK’ number

There’s no such thing as a ballpark number in insurance. Every day we get phone calls asking for an estimate for an insurance premium. Unfortunately, it’s not as easy as looking it up on a chart. No two people or two properties are exactly alike. Your insurance premium is based on a number of factors.

You and your neighbor may drive the EXACT same car but Do you have the EXACT same driving record? Same credit score? Travel the same distances everyday? NOPE!

Why would you want a cookie cutter policy meant for the masses? Don’t you want a policy that is tailored to your specific needs?

There is so much criteria and questions that needs to be answered before generating an insurance quote. There’s an entire science dedicated to generating insurance premiums called Actuarial Science. It’s not as easy as these online generators may have you be believe.

Answer these 5 questions and get a quote.

Not so fast!

Insurance companies will get the remaining information that they need either through public records or property inspections. They look at your credit to see if you have a history of paying your bills on time. Accurate information is needed so that the Insurance company knows exactly what type of risk they are taking on and charge accordingly.

Lying on an insurance application is a crime and the punishment is hefty. It’s better to be properly insured to avoid having your claim denied or worse….. going to jail.

Premiums may seem expensive, however think of it in comparison to having to pay ALL the damages from a claim out of your pocket.

You live a unique life therefore you need a policy that addresses everything that you do. Call us today for a quote.

 

Photo by dherrera_96