4. Talk with your local insurance agent
Local agents know the city and surrounding areas by heart, which means they should be knowledgeable of the market values and other information that can help you determine your coverage needs.
An insurance agent can also help you figure out how much coverage you need and if it’s a good idea to bundle your different insurance policies together. In some cases, bundling home and car insurance can save you a couple hundred dollars a year.
Another suggestion is to work with an independent agent because they can be able to quote many different carriers in order to find you the best coverage at the best value. This is a particularly good idea if you want to get multiple quotes without having to fill out many online quote forms or make several phone calls.
If you suddenly have an important question, you can call your independent agent directly. It can also be highly beneficial for your money because these agents would be always looking for ways to save you money every year, as well as share with you any exclusive opportunity.