What are the best ways to reduce your insurance premium?

Online shopping is not advisable approach when buying life insurance. Life insurance is futuristic risk and you dont know when a person will die. More importantly when you are gone your partner needs to talk to someone who can assist at claim time, there will be paperwork. It is important to identify a qualified insurance adviser who can: - assist you answer all medical questions - get you covered for any pre- existing medical condition - Do regular reviews to ensure cover amount is fit for purpose - be there with you at claim time. Answering medical questions in an insurance application correctly is critical to get a claim paid and this is possible only with proper guidance from an experienced insurance adviser.

Si es correcto! Mientras te las expliquen, de lo contrario no podrás adquirir lo que realmente requieres o necesitas, los bancos y en línea no son la mejor opción! Además! Quien te asesora o guía al momento del siniestro? El banco? En linea? Ellos te mandan al área de siniestros de la aseguradora, por eso luego tan multi citada palabra, LOS SEGUROS NO PAGAN! Pero eso ocurre cuando no supiste comprar tu cobertura, diste mal los datos, quitaste protección, no te explicaron las exclusiones, como el alcohol, drogas, riñas, carreras, intento de suicidio, etc, y quien te guía o te da apoyo físico y moral Así como seguimiento, es tu agente, no los ignores! Saludos 5538113601 [email protected]

The most effective solution to this question is to work with a broker or a few brokers through a procurement process. Define what you require, what would be nice, and what would be the Gold Plated solution. Using these metrics, you can gauge apples to apples and ensure no orange slips into the competition.

Bundling policies with one insurer has its own risk which should not be neglected . You don’t see the same doctor or specialist for all your health issues . Similarly insurance cannot be bundled with the same provider and calls for need to identify a provider that specialises in the kind of insurance you are after . A financial adviser/ planner can help you identify this and select the best provider for your special needs.

Claro! Mientras observes que lo que adquieres tiene lo que necesitas, los paquetes bancarios o en linea son muy básicos y con poca cobertura, y al momento de usarlo desafortunadamente no cubre lo que querías o necesitabas, les quitan mucho monto a la responsabilidad civil Ejemplo: Te cuestan mil pesos menos pero te reducen 250 a 750 mil de cobertura , en un daño a personas (atropello o choque prensado) esa diferencia puede ser vital y el que tienes insuficiente Normal: 1,500,000 pers y 1,500,000 bienes en linea o bancos te dan 750 mil a veces para ambos a veces para cada uno Pero la resp civil del fallecimiento, pagar esa indemnización puede llegar a ser de hasta 3 millones cdmx Analícenlo siempre y ocúpennos a los agentes, saludos

Yes but the reduction in premium has to make financial sense with the reduction in coverage. To calculate divide the increase in deductible by the annual savings to see how many years it takes to save in premiums what you are risking in deductible. For example, going from a $500 deductible to a $1,000 deductible saves you $90 a year. 500/90=5.5 years. Now think about how likely it would be that you'll file a claim in the next 5.5 years. If you go more than 5.5 years without a claim then the higher deductible was worth it. But if a claim needs to be filed in less than 5.5 years then you should have stayed with the lower deductible.

Depende del cliente, a veces por no pagar un poco mas en la poliza, el deducible te deja siniestros no cubiertos, que al sumarlos termina siendo mas lo que pagas por no transferir la responsabilidad al seguro que por analizarlo y pagarlo en la prima, Ya que al momento del accidente o siniestro rebasar el deducible puede ser complejo,

This is where you need the expert advice of a local insurance professional. I know there are hard working, caring people who work in the call centers of the major insurance companies but "right sizing" your insurance policy needs a lot of careful consideration. Call-center representatives often times have to work with people in all 50 states and can lack in-depth knowledge that a local experienced agent would have.

Esta opción no me agrada demasiado, porque la mayoría de las veces termina siendo insuficiente, como los que se venden en linea!, cuando el asesor lo sugiere puede quedar bajo su responsabilidad dicha asesoría y por ende tener un conflicto con el cliente. Es muy importante revisar, que los datos estén correctos! Tomen todo de la factura, a una amiga en el banco al corregirle un dato no vio que se cambió el tipo de auto, le aseguraron un civic en lugar de crv , a los 3 meses tuvo siniestro y fue perdida total, NO le pagaron! Aunque el error fue del empleado del banco, que vende seguros sin tener cedula! Y el banco no se hizo responsable! yo digo, por eso estudiamos los agentes, no uses banco ni en linea! Saludos

Have a favorable claims experience and try to add safety devices to qualify for discounts. Do a comparison using web aggregators.

Make sure your insurance company has the correct age and type of roof that is on your home. If your insurance company replaced your roof the claims department doesn't tell the service department that you have a new roof.

Es una buena opción mientras no te reduzcan tus coberturas, ya que a veces el descuento va oculto en reducción de cobertura que no te informan, en todo caso, sugiero optar por meses sin intereses, pagas mensual pero se lo debes al banco y aunque lo cargan en su totalidad a la tarjeta, tu no lo pagas al momento sino diferido sin descapitalizarte y sin cargo de financiamiento que llega a ser mas del 10% para un pago mensual, por eso, es importante el asesor! Estudiamos mucho para que un banco sin conocimiento te venda como dulces un seguro, es tu patrimonio y protección! No la dejes al azar! Nunca compres polizas de auto sin ver la factura, el error de poliza en poliza se sigue y llega a ser un problema, pregunta, no te quedes con dudas!

The companies that provide your mobile phone service, cable tv, and other subscription services change their plans and pricing all the time. Well your auto and home insurance carriers do the same thing. None of them automatically move your plan to the one that has the best pricing or features. You have to call them and ask about new plans or policies. Maybe the one you are in works just fine, maybe not but until you ask you won't know.

Most of the personal lines customers don't take time to review the Policy contract.As a result they struggle during claims process. One of my friend who had Personal Auto policy do not know the difference between UnInsured & Underinsured coverage.We have to take time to understand the coverages that will help in paying accurate premium and reduce coverage gaps.

This activity should be completed by an Insurance Professional, understanding the terminology and how it applies to various circumstances. Knowing how policies stack up against eachother is challenging and can increase in the difficulty based on teh complexity of the applications and coverages required.

Best way to reduce premium is to avoid having Claims.Workers comp policies use Experience mod(Calculated based on last 3 years of claims) as one of the main factor in premium determination.If you have safety features in you work location you will get additional discounts through schedule mod.