Month: October 2014

What are the Advantages of Life Insurance in Glenn Dale, MD

Posted on by AgentInsure

Purchasing a life insurance policy in Glenn Dale, MD can be an important decision. You may be concerned about the benefits of the policy; however, there are clear advantages that exceed the basic comforts of protecting your loved ones.

Providing for Loved Ones

If you are the primary bread-winner in the family, then it is likely that your loved ones would face major changes after you pass away. They may struggle financially, especially when they are still grieving.

An insurance policy will help pay for the basic expenses and can provide a source of income while your loved ones are adjusting. It gives them time to grieve without worrying about how to pay for the basic necessities.

Repaying Your Debts

Any time that you have debts that are not yet settled or paid off, it can be important to purchase a life insurance policy. The coverage will pay for the debts so that there are no financial burdens that you are leaving behind for your loved ones.

Investment Opportunities

Some insurance policies, like a whole life policy, will put a portion of your premium into an investment opportunity. As a result, the funds can be accessed in an emergency situation so that you will always have another source of funding. Furthermore, some insurance providers may allow you to take out a loan against the policy during financial emergencies so that you are not facing the challenges without any financial options.

Buying a policy to help your loved ones after you pass away can seem useless, but there are benefits that make it worth considering before any health concerns arise or you are involved in an accident. To learn more about your options, contact us to speak to an independent agent today.

When to Change Home Insurance Provider in Maryland

Posted on by AgentInsure

There are times when you will not feel satisfied with the insurance that you have purchased. You may feel that the insurance provider does not offer the plan that you want or you may be dissatisfied with the services that you have been offered. Changing insurance provider can be an option, but it is also important to determine when it is appropriate to make a change.

Reasons for a Change

Before you assume that it is necessary to change your insurer, consider your reasons for the adjustment. If the problem is only related to your coverage, then it may not require a complete change. Many insurance providers will offer several policy options and you can make adjustments to the coverage.

When you are not happy with the treatment that you receive from customer service representatives or you are dissatisfied with the company, it might be time to make a change. You can also determine that it is necessary to make a change if the company does not seem stable or there are concerns about the financial health of the insurance provider.

Making Adjustments

As an independent agency, we understand that you may be confused about the changes that can occur when you decide to change your insurance provider. That is why we help you find the right plan for your needs with online tools and the assistance of an agent.

Ideally, you should purchase a new home insurance policy before you cancel the previous policy. It will ensure that you do not have any gaps in your coverage.

There are times when you cannot work out your differences with an insurance provider. By changing insurance provider, you can ensure that your coverage is appropriate for your goals. To learn more about your options, contact us today.

Commercial Insurance Company in Bowie, MD

Posted on by AgentInsure

When it comes to selecting a commercial insurance company, Bowie, MD business owners will find working with our team is easy to do. We're an independent agency. That means we work along your side to find the most comprehensive coverage for your needs. We also provide exceptional service to our clients by helping you to save money. It's a good idea to know about all of your insurance needs before you buy. We can help you to do that.

What Are Your Business Assets?

One of the biggest needs for businesses is a way to protect their assets. These assets are valuable and without them, your business would struggle to keep the doors open. For example, if you own and operate a car as a part of your business, you'll need commercial auto insurance. In addition, if you operate out of a building, whether you lease it or own it, you'll need to protect that building from risks such as fire, theft, and vandalism. You also need to protect your furnishings, inventory, and equipment.

What About Liability?

When you work with our company, we'll help you to take a close look at your liability risks. All businesses have them. You may need a general policy that provides protection against liability losses due to defective products or slips and falls. In other cases, plans like Business Owner Package can help you to get comprehensive protection from any lawsuits filed against you.

There's no way to know what risks your business will face. However, there's no need to worry about them either. For those who need an insurance company, Bowie, MD companies included, our team is ready to provide you with the assistance you need. Call us today for a quote on the carriers that fit your needs and keep your business well-protected.

Certified Auto Insurance Agents in Laurel, MD

Posted on by AgentInsure

Everyone has advice on the best ways to save on auto insurance, and some ideas can be a little quirky. When you’re looking for certified insurance agents in the Laurel, MD area to help you find the best deals, though, the process doesn’t have to be complicated.

As a matter of fact, a little research goes a long way. You can start by getting instant quotes here on our website from the nation’s top insurers. These tips will also help you find the best quotes and the best coverage to fit your budget.

1. Independent Agents vs. Direct Brokers

You might think that cutting out the middle man results in direct savings. The fact is, many people end up paying more than necessary for insurance when they go to a broker who works directly with the insurance company. Independent agents, like those in our office, have the freedom to match you with the best quotes possible. Because we’re not committed to working with any one specific agency, we can also get you several different quotes at one stop, so you’ll save both time and money.

2. Discounts Worth Asking For

Some discounts are so situation-specific that they’re not generally advertised or well known. The following situations are just a few of the scenarios that can save you more than you might expect:

  • If you’re a student on the honor roll or dean’s list, you might qualify for a good-student discount
  • If you only drive a few miles each day, you might qualify for a low-mileage plan; insurance agents know that those who don’t drive as much get into fewer accidents.
  • If you’ve recently taken a defensive driver’s course, you may be eligible for discounts

3. Compare coverages, not just the bottom line.

It’s tempting to go with the least expensive, reasonable-looking quote available. But the cheapest policy isn’t necessarily the best. Our agents will work with you as you take the time to read through your policy and compare specific coverage options.