3 Reasons to Plan a Review of Your Family's Insurance
March 10, 2020
Count on us to help you keep your family's insurance policy up-to-date
Many people here in the Elmira area work hard to make sure that their family is healthy and safe, which is why the demand for affordable insurance plans that provide adequate protection in the case of an emergency is always consistent. No one wants to be in a situation where their partner and/or kids are left in a dire situation and struggling financially. Of course, there are some family insurance plans that are different than others. Many individuals, based on their age, health, and financial status, may have different needs, standards, and expectations.
We know that it isn’t always easy to select all the insurance plans that are correct for your family, and the process can often be extremely confusing. You also might have a current insurance plan, but are curious about what other options exist. Here are three reasons to plan a review of your family’s insurance policies.
Find Out Your Insurance Details To Remain Aware
Another important reason to review your insurance policies is to make sure that you are securing the correct protection for the premiums that you are paying. Sometimes simply paying our required insurance premiums becomes habitual and automatic. Perhaps the premiums are even deducted directly from your bank account. As time goes by and our circumstances change it is a good idea to be sure that those premium payments are still providing the insurance value that you need. A professional insurance agent like those here at the Wallin Insurance agency can help you determine that your hard earned dollars are providing the insurance protection that you require.
Most insurance policies require you to pay deductibles, so it’s important to remember all aspects of your family’s insurance plans before committing to anything. Some websites also offer an annual estimated insurance cost, which might be a better option for any long-term financial planning. You might want to review your family’s insurance plans to remain aware of exactly what they cover.
You Are Making More Money Now
You might have decided that it’s time to take another look at your family’s insurance plans since you are making more money than ever before. Let’s say that you own a business that was failing for several years, but it is now making more money than you ever believed was possible.
If you are making significantly more money, it may be time to strengthen your family’s insurance protection since money might play less of an issue now.
It Might Be Time To Adjust
You might not have thought much about life insurance or adequate auto insurance in your 20s, but we all know that impactful situations tend to pop up decades down the line. You might be realizing that your lifestyle is changing, and that you should consider adjusting your insurance policies since you may face more health issues or differing driving situations than you did earlier in your life.
You may also want to adjust your family insurance plan after a major life event, such as a marriage, divorce, or the birth of a child.
At the Wallin Insurance Agency we recommend a thorough review of your family’s insurance policies at least every couple of years. If it is time to make sure that your family has the insurance protection that they need and you are getting all of the money saving discounts you deserve give us a call today at 607-734-8799, we LOVE to help!
Auto insurance companies are facing unprecedented rate increases due to inflation and the increasing cost of repairs. One of the most simple ways to assure your auto insurance rate is providing the best value is to take a defensive driving course - which is available to you online ! For residents of New York, the Improv Traffic School is currently offering their top-rated, fully-online defensive driving course for under $30, making it easier and more affordable than ever to both become a better driver, and save on auto insurance premiums. Some benefits of taking the course include: A guaranteed reduction of up to 10% on insurance rates - The certificate is recognized by all New York State auto insurance companies. Reduction in points on your license - For people with points attached to their driving record, the Defensive Driving Course can help eliminate those marks on your driving history. A fully online learning environment - The course can be completed from the comfort of your own home, with an instant awarding of your certificate upon completion. No final exam - Anxious test-takers, worry not. The Improv School’s course is content-oriented, making the focus more about taking in information than being able to reiterate the contents of the class. The course is designed to benefit you. If your defensive driving certificate is near its expiration date, now is the perfect time to renew without going out of your way. For folks who have previously completed a Defensive Driving Course, the Improv School also offers a 3 Year Renewal Course in order for you to retain your discount. If an online course does not sound like the right choice for you, there is a classroom-style Defensive Driving Course for your consideration. The classroom-based course offers all of the same benefits as the online equivalent, including the reduction of up to 10% on your insurance rates. Whether you’ve been seeking a way to lower your premiums, or simply desire to improve your driving habits, learning more about defensive driving strategies is a simple and efficient way to start.
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