Perhaps the best way to save on any insurance policy is to take the time to compare prices between as many companies and plans as possible. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easier than ever before. Potential customers can often get free quotes online very quickly.
Our Management Liability specialists average 15 years of experience in structuring risk management programs that protect against various types of executive risk and management liability. Strong relationships with insurance carriers and familiarity with current government legislation and case law mean we can effectively manage your risks in real time—an imperative in this ever-changing business environment.
Brokers exist in lots of professions: Insurance, finance, real estate, and more. However, health insurance brokers are a different stripe altogether. Their job is to educate and advise you on your plan selection to help you lower your risk and make wise decisions. Whether it’s a great network, affordable price, or something else, they use your qualifications as their guiding light. They don’t have to be married to a particular company or plan type, since their goal is finding you exactly what you need. While they do make a commission, insurance brokers are typically independent agencies who work with multiple insurance companies.
Many companies advertise free auto insurance quotes. Any car insurance quote you receive is and should be completely free. Insurance companies want to incentivize you to purchase a car insurance policy from them, so they’re not going to charge you for an upfront assessment (the quote). When shopping around for insurance, remember you can find free car insurance quotes from a variety of sources.
Though not an absolute separation; an insurance agent is an insurance company's representative by way of agent-principal legal custom. The agent's primary alliance is with the insurance carrier, not the insurance buyer. In contrast, an insurance broker represents the insured, generally has no contractual agreements with insurance carriers, and relies on common or direct methods of perfecting business transactions with insurance carriers. This can have a significant beneficial impact on insurance negotiations obtained through a broker (vs. those obtained from an agent).
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Backed by over 15 years of experience in the insurance industry, Armor Texas Insurance Agency has built a reputation for excellence and dependability. As a local, independent agency, we’re able to provide solutions from over 45 different providers. This is just one of the many ways our agents put their clients first every day. No matter your insurance needs, we have a customized solution just for you.
The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts, deductibles and other features are subject to individuals meeting our underwriting criteria and state availability. Not all features available in all states. Discounts may not apply to all coverages and/or vehicles.
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Travel insurance is available for individuals who want to protect against unexpected setbacks in the course of travel, whether it's losing luggage or medical treatment abroad. Travel insurance may prove particularly useful for people who travel a lot for work or often visit remote locations. Travel insurance can take the form of either specific or blanket coverage. Specific coverage is useful for covering only certain risks, like medical emergencies or unexpected trip cancelation. Blanket coverage may cover some or all of your expenses for your entire trip.
A good broker can make or break your health care experience. You’ll be counting on your broker to find the best plan for your team so it’s crucial to find someone who knows the whole nine yards — and beyond. But the relationship doesn’t end there. Your broker will continue to work with you to manage the plan throughout the year. Sounds great, but how do you find your new teammate? In this article, we’ll give you a checklist to help you find someone who is both highly qualified and that you highly enjoy working with.
What makes your specific agency stand out from your competition? In a world that is ever-changing and busy, it is our aim to ease the stress that can come with insurance by putting a premium on personalized service. We believe people prefer to have someone they know to help guide them through both good and bad times. It is this belief that stands behind everything we do.
To stay up to date with changing regulations and ensure they are continuing to meet their duties, brokers are licensed by the state insurance regulatory agencies. This license must be renewed on a biannual basis in most states. The insurance brokers' job only begins after the policy is sold. They must regularly meet with their clients and determine that their current policies are meeting the clients' needs.
From tax credits to classifications, your broker should be obsessed with keeping you compliant. This is where licensing and professional development come in: Brokers who maintain their licenses, participating professional associations, and continuing training will really know their stuff. In fact, some may be able to handle compliancy in their sleep.
I was in a bit of shock and didn't know what to do. My wife, being the smart one, contacted our insurance agent, Darren Miller. Darren immediately calmed my wife down telling her as long as I was OK, everything would be allright. And within 20 minutes of being called Darren was at the site of the accident. I cannot begin to describe how his presence that day made everything better. Darren advised us on how the accident would be handled by the other insurance company, Allstate. He arranged for a tow truck to come pick up my motorcycle and he made sure it was properly loaded on the truck to ensure that it didn't recieve any further damage. And he even assisted the other driver getting his car in a drivable condtition. And most importantly, Darren calmed my wife and myself ensuring us we would get through this day OK. Darren then transported me to the motorcycle shop and assisted with the paperwork for repairing my bike.
Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.
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Some brokers are also specialists in certain products (e.g. group health insurance), and even offer additional services depending on their area of expertise. HR administrators, in particular, will love a comprehensive insurance broker. From claims analysis, to employee education and orientation, a full-service broker does all the legwork for you, thus saving you time to focus on more worthwhile projects.
Find out what coursework your broker has done — many have taken a series of college-level courses — and what professional certifications they’ve added to their arsenal (some brokers have as many as five!). Next, confirm that your broker is licensed. Search through your state’s department of insurance to find out the status of their license and to see if they’ve ever had any disciplinary action taken against them. You might want to consider someone who’s a member of the National Association of Health Underwriters (NAHU).
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The price of car insurance can vary greatly between states. One company may be expensive in Utah, but inexpensive in New York. In some states, a small, local company could even offer the best price. Below, click through to your state to see which company and cities have the least expensive car insurance based on the numerous studies we've conducted.
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Like agents, brokers can operate very differently too. For example, smaller brokers may simply offer a review of the best plans, match you with a solution that best fits your needs – and that’s it. Larger brokers, on the other hand, have the capacity to offer a range of value-added services such as claims assistance and renewal support, often at no extra cost.