When It Comes to Your Insurance - Kick the Tires!

Kick The Tires!

By Steve Tague

We the insurance-buying public are pretty funny people when it comes to purchasing insurance products.

When we buy a new car, we read Consumer Reports, ask our friends and relatives what they think and study the Sunday paper to get the best deal, which usually involves the best features and performance that you can get for your money. This effort is time consuming, but we do it to make sure things turn out right.

Would you ever plan a great vacation without researching the best hotels, the best restaurants and the best airlines to get you there?

Why then are we so cavalier about buying insurance?

As the result of the October 29^th Superstorm Sandy, many Insurance Consumers found out that, due to getting a cheap price for their premiums, they were missing some vital coverages that would have saved them hundreds maybe thousands of dollars from storm damage.

The tragedy here is that individuals did not find out that they didn’t have certain coverages until a claim occurred and it was not covered in their policy. Why you ask? Well, we either; refused the coverage because it cost us an extra $50 or $100 bucks or the insurance advice we were getting was geared towards minimizing the price rather than making sure we had the correct coverages that we needed.

The purchase of insurance in the future is not going to involve buying on an internet site or finding the right salesman/woman to give you the “cheapo” deal on a policy. No, the purchase of insurance in the future is going to involve our speaking with an experienced and knowledgeable expert to discuss your personal needs and making sure that your insurance program is geared towards what you individually need covered.

Protection of our assets is something that we and not just the people who sell insurance have to get involved with together. There is no cookie cutter policy that fits all situations.

We offer a free, no obligation review of your personal and commercial insurance programs. Get in contact with us via Facebook, Twitter or LinkedIn or just give us a call at 973-948-3200 Ex. 10 for Personal Auto, Home, Boat or Umbrella policies or Ex. 11 for Commercial/Business Insurance.

Don’t get caught without essential coverages for you! Kick the tires before you buy!