Insurance is your protection. Yet when it comes to purchasing Virginia insurance, many people make huge mistakes that cost them thousands of dollars. Here are five insurance deadly mistakes that are made by consumers still:

1. They do not benefit from the insurance shopping checklist. Many agents will provide you a free checklist that will evaluate what coverage you need and do not need. It will also outline any questions, please ask how you “interview” agent. Many people by the insured or under insured because they do not address the really consider their needs.

2. Their mistake “cheap” for “values”. You may obtain a low premium, but the victim with a higher deductible. If you have a claim, you may end up paying thousands of dollars that would have been covered if you had increased your premium by just a few dollars. Make sure the coverage protects the assets actually, even if costs a few U.S. dollars more. And most insurance agents offer a discount. You can find value in these reductions without losing coverage.

3. Virginia does not read the insurance policy. Your agent will explain your policies, but has a duty to know what is covered and not covered. When you sign policy, you can not, you can not claim to know what the policy entails.

4. Their confidence in their families to protect $ 5 per hour at the operator. Many of the larger companies advertise great service, but comes from the customer service operators are not claims experts or agents. Is this who you want when you are in crisis? Want a professional representative who will handle claims promptly and personally. Better yet, find an agent that offers a 24-hour response guarantee.

5. They have their policies with the various agencies. The combination of all policies (home, auto, life, boat, etc. ..) can save up to 40 percent. If you have not already asked the agent about combing policies, you are cheating with the hundreds of dollars.

These errors are not so bad, but consider this as an example. Are you involved in a car wreck on the 2 is called the 800 number provided by the Agency. Overnight “customer service specialist,” says it is not available to help you at that time. You are stranded, wounded and upset. You do not know exactly what type of insurance you need. Three days later, someone comes to inspect the car and assess their damages. With home auto specialist, you will have someone respond within 24 hours and begin processing claims immediately. What kind of service do you prefer?

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