Shopping for Insurance

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Category : Insurance

4513943604 10f755ed22 m Shopping for Insurance

Till now, most people bought insurance through an agent, or called the toll-free number of the insurance company to get a quote.

However, with the increasing usage of the Internet, getting insurance quotes online is fast becoming the norm rather than the exception. There are plenty of sites out there that offer to provide you an insurance quote. Many even provide you the ability to get insurance quotes from multiple companies, and compare them to get the best deal.

However, there are relatively few sites that offer practical insights on getting a good deal on your insurance needs. There are even fewer that offer advice on what to look for when getting an insurance quote, the list of insurance agents in your locality, and what are the pros and cons of going with the company offering to insure you for the lowest premium.

You can find all this, and more at www.get-online-insurance-quote.com (or www.goniq.com for short). They offer advice on many different types of insurance like auto insurance (including car insurance), life insurance, home insurance (including flood insurance, earthquake insurance and mobile home insurance), health insurance, renters insurance, and disability insurance.

Insurance is a contract between the policyholder and the insurance company wherein the insurance company is bound to compensate the policyholder on occurrence of certain pre-specified ‘event(s)’.The events that are covered and the extent of coverage for each event are defined in the contract.

Thus, there are three parties to any insurance contract – the policyholder, the insured, and the insurance company. In most cases, the insured and the policyholder are the same. The event(s) covered by the insurance contract will largely define what kind of insurance it is. Thus there is life insurance, health insurance, accidental death and disability insurance, home insurance (which may or may not include flood insurance, earthquake insurance, and mobile home insurance), auto insurance (which includes car insurance) and renters insurance. There would be several other products in the commercial lines of insurance.

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Help answer the question about insurance

How can people say insurance companies should be able to deny based on pre-existing conditions?
Let's look at an example.

Bob has a job. He has health insurance. He gets cancer, and his insurance company pays for his tens of thousands of dollars worth of treatments.

The economy goes south, Bob gets laid off. He has to choose between health insurance and losing his house, so he obviously needs to stop the insurance. Later, Bob gets re-hired, and despite the fact that he can afford insurance, he can never get it again, because he has a pre-existing condition.

But no, we need LESS government regulation of the insurance industry. LOL!

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Comments (18)

We have so many site for online insurance shopping…It is the fastest way to find out which companies are reliable and the fastest way to pay the online insurance…In this modern world online insurance had great advantages and we can easily pay the amount…Insurance is the best way to protect the people…

Farmers will generally hire anyone who can fog a mirror with their warm breath and has no criminal background. Farmers at one point would only allow agent web sites if they were created and maintained by Farmers. This odd site may be his way of slipping under the corporate compliance department's watchful eye.

Like Don said, most states have a web site where you can check and see if he is an agent in good standing within your state and if he is appointed with Farmers.

I would be MOST concerned with some newbie writing my insurance policies. I would recommend an experienced independent agent in your area who can quote through 6-12 different companies. Good luck.

BTW, when your newbie washes out like 98% of the other Farmers newbies, you'll be assigned to a bigger more experienced Farmers Agent. See http://www.farmers-online.com/ for a good laugh

I saw boobs!

Awesome.

Look, Ron Devious is a LEGEND and i wont have a word said against him ! “Nude Lady” ; “500 quid….40 quid….40 quid and a nude lady….dirty books ?!” Lol “It says you fill my mouth in with cement” ; “insurance jargon you know !” Lol

Never pay policy…interesting…as Social Security

i really wish private insurance was that honest.

john

some of the big auto insurance company pull your credit but it should not affect your credit it is looked up as a soft hit on your credit report

Sad how this is pretty much what’s going on in the U.S. with health insurance <__________<

“i hate to see a man cry, so shove off, out the office” ahahahahaha omg that had me in stitches!!!

That’s what happened to the American housing market.

which unlike etna, does pay people.

I'm not sure why they would say that….is it the church's policy or the county? find that out first. then that should help direct you where to go if you legally do need one. key word being legally, make sure it is a local law not church policy.

Stick with the major carriers websites. Avoid web sites not associated with a major carrier that offer comparative quotes. The quotes you receive will be estimates and the result will be that the policy will not be issued at the price that was quoted.

You might also look to be sure you are on a secured site. look for "https" in the URL.

P.S. Are you secure in your knowledge of the appropriate coverages. Lots more to auto insurance than price. Speaking of pricing you might also passing up a hefty multi policy discount by shopping your auto insurance apart from your homeowners insurance.

In FL, it's "will you write me" and "who are you going to quote me with".

You want an A RATED CARRIER, with someone like AM Best. There are a buncha new, unrated carriers cropping up, like Cypress, but since they aren't rated at all, you don't even know if they'll be in business the day after a major hurricane.

For the most part, a good agent will ask YOU lots of questions, to be sure that you're insured propertly.

I know a GREAT insurance agent in FL – http://www.huttinsurance.com I'm not affiliated, but I've brokered stuff through them, and they do a bang up job.

What, insurance comes with nude ladies!?

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