Insurance is a system where clients pay an insurance company a monthly premium, and the company pays policy benefits if the client files a claim. There are multiple insurance policies, including renters, liability, health, home, and auto insurance.
Although there are multiple benefits from maintaining a healthy balance between your work and personal time, many people have limited personal time, making it challenging to shop for items such as insurance. With hundreds of insurance companies to consider, consumers may feel overwhelmed before they even start their search. Let’s look at how you can receive quotes for homeowners and auto insurance in one place.
Where can you find information about home and auto insurance policies?
Insurance comparison sites make it easy to find the insurance policies you need. Anyone seeking auto and home insurance can access a comparison site and use its search tool to produce a list of policy options. When you access the comparison tool, it will prompt you to provide essential information relevant to your insurance needs.
You’ll start by entering your ZIP code, enabling the tool to filter out companies that don’t serve your area. Next, you’ll clarify which type of coverage you need. You can search for homeowners insurance, auto insurance, or both. Once you make your selection, the tool asks you to verify your location, confirm whether you currently have insurance, and indicate whether you rent or own your home.
Next, the tool asks about your claims history. You’ll identify the number of home insurance claims you’ve filed in the last three years. You’ll also verify how many traffic tickets, auto policy claims, and accidents you’ve had in the last three years. Then, you’ll confirm the number of vehicles you need coverage for and confirm which insurance company provides your current policy.
The tool also asks for your credit score and date of birth. You can indicate if anyone in your immediate family is a member of the military. Once you provide your name and email address, the tool creates a list of policy options you can review.
How can you benefit from searching for home and auto insurance together?
Most people have limited funds for financial emergencies, so consumers appreciate any opportunity to save money. Insurance companies offer policy discounts to clients who take out multiple policies, which is why you’ll find the best rate possible when you search for home and car insurance together.
Completing one search for two insurance policies saves you time. You won’t have to enter personal data again, and it’s easier to review one list of policy options instead of separate lists. Consumers strapped for time can expedite the search process.
You’ll receive information online you can reference, so you don’t have to take notes or rely on your memory. Calling insurance companies for quotes is time-consuming and taxing because if you talk to many insurance agents, the information can blur together.
Since there are numerous insurance companies to consider, using a comparison tool ensures you don’t overlook insurance providers. You can be confident you’ve identified the most affordable, comprehensive policies available.
Should you talk to an agent?
Once you narrow your options, it’s a good idea to talk to an agent about your needs and verify your policy options. Also, suppose you have additional insurance needs. You could save more on your monthly premiums by adding your life insurance or other insurance policies to your policy bundle.
Talking to local agents before you sign up for policies is a good idea because you can ensure you choose an agency with excellent customer service. You’ll also want a responsive customer service agent who’ll help you through emergencies, so it’s a good idea to confirm it’s easy to reach experienced agents when you need them.
Shopping for home and car insurance together is a great way to save time and money. Online comparison sites help you find policies that meet your needs.