Tip #1 – when you compare insurance quotes, always get multiple insurance quotes.

Multiple insurance quotes makes it easy to compare insurance quotes side by side and see where to get the lowest rate and the best coverage You should not take the first quote that you receive and assume it’s the lowest or best available. There are literally dozens of places to compare insurance quotes and each one has their own unique underwriting guidelines. When you compare insurance quotes, it will allow you adequate information to compare insurance quotes and get the best price for the insurance coverage that you need. The good news here, you can actually go online and in a few easy steps request the insurance quotes needed. You will be able to compare insurance quotes from the multiple insurance quotes you receive.

Tip #2 – when you compare insurance quotes.

Research the agent or broker.

Do a search online for your state’s Department of Insurance website. From there you should be able look up the agent or broker that you are intending on doing business with to ensure that they are licensed and in good standing with the state before you compare insurance quotes.

Tip #3 – when you compare insurance quotes.

Research the insurance company.

Just as it is very important to ensure that the agent or broker you are going business with is licensed, it is equally important to ensure that the company is licensed or at least authorized to do business in your state. Also, research its financial standings on independent sources like A.M. Best, Etc.

Tip #4 – when you compare insurance quotes.

Research your specific situation before jumping in to something. If you are looking at going in to business or buying and existing business, make sure you understand the insurance’s that are required and their associated costs.

Tip #5 – when you compare insurance quotes.

Read the fine print. I have seen prospects that were misclassified as far as what type of risk the insurance company thought they were. The problem here is that when the insurance company finds out that the risk is really are a dynamite manufacturer and not the little trinket and gift store that the agent has made you out to be, you most likely will get cancelled. Now you may ask yourself why this is such a big deal, I can just go to another insurance company and get coverage. True, but on almost every insurance application there is this question; “In the last three years have you been canceled, declined or non-renewed for any insurance policy” and if so, WHY? Now this poses a very sensitive position where as if you answer no, then you are committing insurance fraud which is a felony in most states.

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