We’ll admit it, insurance isn’t fun, but it’s important. We know you don’t want to spend a lot of time (or money) on your insurance coverage, and that may affect your insurance decisions, but we caution you…
If taking your insurance needs to an independent agency is like hiring an affordable personal chef, then taking your insurance needs directly to one of those national-brand, non-specialized insurance companies you often hear about is like going through the insurance “drive-through”.
Buying "fast food" insurance may appear appetizing, but while it may seem like a good idea to quickly buy a cheap, generic insurance policy; that’s not always the case.
Don’t buy from the insurance "dollar menu".
Why? While it’s quick and it’s cheap, just like fast food, there’s also a good chance it’s not good for you.
Let us explain.
Imagine you buy a “drive-through” policy directly from one of those bigshot companies you see ads for on television.
You didn’t purchase your policy through an independent agency, so you were offered limited options and forced to choose one on your own without any help, all the while, the insurance company you purchased from had only one goal on their mind: converting you into a sale and then moving on to the next customer.
Have you ever gone through the drive-through, happy that you saved some time buying a meal, only to discover 10 minutes later that they messed up your order? Maybe they forgot something, or maybe they gave you something you didn’t want instead of what you asked for. This can happen with insurance.
When you purchase insurance without going through an independent insurance agent, you put yourself at risk of coverage gaps, which can be disastrous if you suffer a loss.
Even if you are covered, there is a good chance you aren’t covered enough (this is called being underinsured).
If you experience a loss, but you’ve bought a cut-rate policy with minimal coverage, your insurance may only cover part of the loss – leaving you to pay the rest out of pocket. If you can’t afford to do so then your assets could be at risk.
What do we suggest?
The moral of the story is to contact an affordable personal insurance “chef”. In other words, entrust your insurance needs to an independent insurance agency like Sidle Insurance.
Sidle Insurance works with DOZENS of insurance companies who offer a number of products. We can compare coverages, prices, and even companies themselves to find the product that best suits you. Feel free to give us a call today with your insurance questions at (607) 535-6501 and start building your insurance strategy today.