It’s Not About Price

When you pick out a car is your only deciding factor the price? No! In your mind you have already picked a color and all the cool features you want. Leather seats, navigation system, parking assist, heated steering wheel, etc. The list is endless. You’ve done your research and know the listed price of the vehicle you want. You also researched pricing for your trade in and the financing. When you arrive at the dealership and finally get behind the wheel, you are in love. You are sold. You want that car no matter what. Price is a factor but not the only factor.

Insurance should be the same way. There is no one size fits all. There is no standard policy. Not all policies are the same. And price should not be the only deciding factor. There are a lot of benefits and features available and every insurance company has a different selection of coverages available.

With home there is water back-up, personal injury, and guaranteed replacement. With auto there is medical payments, rental reimbursement, and agreed value. Like buying a vehicle the more features you want the more it costs. Why would you settle for Kia coverage when you purchased a Mercedes? Why would you settle for a home policy designed for some one that has $0 assets when you need to insure a million dollar home?

Do the research. Know what the value of good coverage means to you. Don’t settle for typical coverage. Don’t focus on the bottom line when it comes to insurance. When something catastrophic happens you are going to want peace of mind, not the lowest price.

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