They always say there are only two things guaranteed in life. Those two things would be death and taxes. However, it is quite possible to add another. It is almost a guarantee that your insurance premiums will increase over time. Car insurance or health insurance, it does not matter. The premiums take over a bit more of your paycheck every month.
In addition, you know your insurance agent that smiles at you and assures you are receiving the best rates possible? I hate to tell you this, but they are lying. They want your business and they will tell you everything you want to hear. They may even say it appears that you have lost weight while you have probably put on another ten extra pounds.
Why do they do this? Are they evil? Are they out to ruin your life and play with your emotions? Probably not. But your business with their company is paying a portion of their salary. And it is not like they do a lot for you. You might even only talk to them once or twice a year. When they tell you that they can’t go any lower on the insurance premiums, it is not the truth. Maybe according to the company they work for, that is perhaps the lowest rate they can give you. However, if you shop around just a little bit, you will be able to find cheaper rates.
But why should you do all the work and shop around for lower insurance rates when there are people out there that will do it for you? Finding a qualified insurance broker is like finding a best friend that you never knew you had. Insurance brokers and insurance agents are similar, but quite different. Insurance agents work for the company that has hired them. Insurance brokers work to provide for your needs. Insurance agents only show you the rates for their company. Insurance brokers will shop around and find you the rates for many companies.
The broker will become very familiar with the needs of each of their clients. They find what you need, not try to upsell you on adding more to the insurance policy. The broker will find the right insurance plan at the lowest rate after searching through the various companies. They will know all about possible discounts and deductibles that will get you the lowest rates. Insurance brokers are everywhere. It does not matter where you live. It is easy to see the offers of an insurance broker to Montreal to Florida. Brokers are all over. Why get tied down to just one company and possibly have to pay more in the process? Let these brokers do the work for you and give you peace of mind.
It is easy to see why an insurance broker can get you a much better deal than an insurance agent. And when you have to break up with your current insurance agent, tell them not to take it personally. It is only business. And you are in the business of saving extra money and keeping it in your pockets. Lower insurance premiums will quickly add up to save you a lot of cash. In fact, you can save thousands a year. You can start putting it all away in a nice retirement account or take your family out for dinner and a movie now and then. Saving that much money could actually enable you to take that family vacation that you have always talked about. Taxes and death are certain, but higher insurance premiums do not have to be.