So you may not be an expert on buying insurance but you probably shopped around a little bit. You probably know the coverage you want and the price that will fit into your budget. Now all you have to do is go out and buy some insurance.

You've probably seen all the commercials and you might be wondering about switching insurance companies or adding another policy. You probably have a few questions. Our insurance 101 page has information on reducing your car insurance to the importance of health insurance, all of which are important for choosing the right policy for your situation.

Probably the most difficult thing about making the decision to buy an expensive product is learning about it. By learning the information yourself, you will be able to find the right policies faster and be ready just in case of an emergency.

Know Your Options

Not all insurance companies are the same some only have agents that represent one company. Some agents represent multiple companies and these companies are called brokers. Some companies don't even use agents they're direct companies.

Captive Agents

Agents that only represent one company are called captive agents. They can only write policies from that insurance company.

Independent Agents

Agents that represent multiple companies are called independent agents. They often offer lower premiums for the same coverage as an independent agent instead of a captive agent.

Buying Direct

Buying insurance directly from the insurance company bypasses the insurance agent possibly saving money. Bypassing an agent can sometimes be a bad decision because agents are trained professionals that help you get the coverage you need for your life style. Without an insurance agent you might not be buying the needed coverage.

What is an Insurance Policy?

An insurance policy is a contract between the insurer and the insured/policyholder. In exchange for premiums, the insurance company takes on the risk of an accident occurring.

Whether you own a business, looking for new home insurance, need new car insurance, checking your options for health and life insurance, or looking for great information on insurance, Our Insurance 101 page is right for you.

In-depth

FAQs
Insurance terms

Tips on home insurance

Home insurance provides compensation for damage or destruction of your home do to disasters.
•Lowering your premiums
•Coverage

Tips on car insurance

The minimum auto insurance in most states is liability which is for injuries and damage done to others.
• Lowering Premiums

Tips on life insurance

Life insurance is insurance that pays out once the policy holder dies.
• What is the purpose

Tips on health insurance

Health insurance is used to cover the cost of seeking medical attention, for example going to the doctors or the hospital.
• Types of care

Tips on business insurance

Business insurance is insurance that protects the business from various accidents.
• Lowering your premiums

For more information ask your insurance agency