Congratulation Class of 2013 With great accomplishments, often new responsibilities are realized. From an insurance perspective, I have provided a few topics to consider that may have an effect on your need for protection.
Auto Insurance – Rewarding yourself with a new car, moving out of the house, or relocating for a new job? Make sure you talk with your insurance agent – you coverages may be affected, or require changes to continue protection.
Renters Insurance – Protecting the stuff you value most, most college grads do not take advantage of the low-cost of obtaining renters insurance. As low as $15/month, This coverage can provide replacement of your personal belongings if loss occurs from fire or theft. Most renters policies provide coverage for personal liability for added protection.
Life Insurance – OK you’ve landed the “Big Job”. Your employer may offer Group Term Life insurance as a benefit of employment. However, this is seldom enough coverage needed to cover those school loans, car loans, mortgage on a new home. Talk with your insurance agent about the benefits of your own personal life insurance policy.
Wonder if one of your perceptions about vehicle insurance is myth or fact? Talk to a local agent. They can provide answers and help you determine which coverages are right for your business. Choose an Agency with the heart of a teacher. Be an informed client. Remember that your Agent works for you.
Fact: Many insurance companies are only available during regular office hours, which can make filing a claim, adding a vehicle to your policy and paying bills inconvenient. Before you buy, check with your insurance company to make sure they’re available when you need them.
Fact: You need a wide range of coverages to protect your business, from commercial vehicle insurance and general liability to workers’ compensation. While it might be easier to buy all of these products from the same company, you could save big bucks by buying your policies from separate providers. Shop around to find the best deal, or ask your local agent for quotes from several different companies. This is one of the competitive advantages of working with a Local Independant Agent.
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