Choosing an insurance agent: How much experience is needed?

Here is my second tip for choosing an insurance agent, which can save you from making costly mistakes:

Know how much experience is important, & avoid inexperienced agents

Some agents try to convince you to insure with them based on their many years of experience, or the experience of their employees. I know one agent added up the total number of years of experience of their agency employees to conclude their combined experience equals over 100 hundred years! This sounds impressive, but does it really benefit the customer? I don’t think so. Continue reading

Choosing an insurance agent: Is your agent any good?

Do you have a good insurance agent? Most people find out the hard way when they have a problem or a claim. This is the first in a series of blog posts giving you tips on how to find an excellent agent and avoid bad ones. The first thing you may think, is you can avoid having to worry about finding a good agent by not having an agent at all, and buying direct from the insurance company. Doesn’t it cost more to have an insurance agent? Isn’t it cheaper to buy direct, anyway? Continue reading

Term Life Insurance Rates: 52, 53, 54, 55 Year Old Non Smoker

How much is term life insurance for a 52, 53, 54, or 55 year old man or woman? Surprisingly, even in your early 50s, term life insurance can be affordable. Females pay a lower rate than males, because women, as a group, live longer than men. Which life insurance company will have the lowest rates for you will depend, not only on your age, sex, and tobacco use, but on the amount of the death benefit, the length of the term (10, 15, 20, 30 year term), your health and your family heath history. Even the payment plan you choose will decide which company will have the best life insurance rates for you: the company with the lowest monthly premium is not likely to have the lowest annual premium for you. Continue reading

District of Columbia (DC) Home Insurance Reviews: Complaint Ratings for Top Companies

Does your Washington DC home-owners insurance company have a large amount of customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Is your company any good? Most consumers fail to check the complaint records of their insurance companies. This blog post ranks thirteen of the largest DC home insurance companies based on their 2011 JD Power customer satisfaction ratings, and links to a review with each insurance company’s complaint record. Find out the best & worst companies. Continue reading

District of Columbia (DC) Auto Insurance Reviews: Complaint Ratings for Major Companies

Does your Washington DC automobile insurance company have a huge amount of customer complaints? Will you have any problems placing a claim, or have a valid claim delayed or denied? Is your insurance company good or bad? Most consumers fail to check the complaint records of their auto insurance company. This blog post provides complaint information for sixteen major insurance companies selling auto insurance in Washington DC, and ranks them from best to worst, based on their 2011 JD Power auto insurance customer satisfaction rating. National auto insurance complaint ratings for their subsidiary companies are available through links to my insurance company reviews on my website. Continue reading

Term Life Insurance Rates: 51 Year Old Female Non Smoker

Term life insurance is affordable now more than ever. How inexpensive can it be for a woman, age 51? To show you how inexpensive rates can be, I’m writing a series of blog posts about the insurance companies with the lowest term life rates at different ages. Term life prices are lower today because of advancements in health care, increased competition among life insurance companies, & because people continue to live longer lives. Everyone should review their life insurance needs with an agent each year. If you started a term life insurance policy a few years ago, it’s likely you can get lower rates now, or you may be able to get a lot more coverage for what you currently pay. This blog post tells you about the five insurance companies with the best rates for a fifteen year term life insurance policy with a $250,000 death benefit, for 4 health rates classes, for a fifty one year old female non-smoker. You may desire a higher amount of coverage for your death benefit or a longer term of coverage, but this article can help you avoid many of the mistakes people make getting a term life insurance policy. Continue reading

Wyoming Auto & Home Insurance Reviews: Complaint Ratings for Major Companies

Does your insurance company have a lot of complaints? Will you have difficulty placing a claim, or have a valid claim delayed or denied? How do you know if your company is good or bad? Most consumers fail to check the complaint records of their automobile & property (homeowners, renters, mobile home, rental dwelling, condo, etc.) insurance companies. Here I provide complaint information for insurance companies selling auto & residential property insurance in Wyoming and rank them, from best to worst, based on their 2009, 2010, & 2011 Wyoming complaint record. Continue reading

Wisconsin Home Insurance Reviews: Complaint Ratings for the Major Companies

Does your homeowners, condo, mobile home, or renters insurance company have a lot of complaints? Will you have difficulty placing a claim, or have a valid claim delayed or denied? How do you know if your company is any good? Most consumers fail to check the complaint records of their insurance companies. Here I provide complaint information for twenty of the largest (by market share in Wisconsin) insurance companies and rank them, from best to worst, based on their 2010 national home insurance complaints. (Accurate 2011 data not available yet). I also list fifteen insurance companies you may want to avoid, with a higher than average number of home & renters insurance complaints filed against them in Wisconsin. Continue reading

Wisconsin Auto Insurance Reviews: Complaint Ratings for Leading Companies

Does your automobile insurance company have a lot of complaints? Will you have difficulty placing a claim, or have a valid claim delayed or denied? How do you know if your company is any good? Most consumers fail to check the complaint records of their insurance companies. Here I provide complaint information for 20 of the largest (by market share in Wisconsin, based on auto insurance premium) insurance companies and rank them, from best to worst, based on their 2010 national auto insurance complaints. (Accurate 2011 data not available yet). I also list 22 insurance companies you may want to avoid, with a higher than average number of auto insurance complaints filed against them in Wisconsin. Continue reading

Term Life Insurance Rates: 51 Year Old Male Non Smoker

Term life insurance is more affordable than ever. How inexpensive can it be for a man, age 51? To show you how low the rates can be, I am doing a blog series showing the insurance companies with the lowest term life rates at different ages. Term life prices are lower today because of advancements in medical care, competition among insurance companies, and because we continue to live longer lives. You should review your life insurance needs with an insurance agent each year. If you started a term life insurance policy a few years ago, it’s likely you can get lower rates now, or you may be able to get much more coverage for what you currently pay. This blog post shows you the five insurance companies with the best rates for a 15 year term life insurance policy with a $250,000 death benefit, over four health classes, for a fifty one year old male non-smoker. Remember, if you find these rates more than you can afford, you reduce the price by choosing a lower death benefit, or a shorter term. Term life insurance can be made affordable for any budget, and this blog post will tell you how to avoid costly mistakes, and get the best price for the coverage you desire. Continue reading

West Virginia Home Insurance Reviews: Complaint Ratings For 20 Top Companies

Does your home insurance company have a large amount of customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? When do you want to find out if your insurance company is any good? Most consumers fail to check the complaint records of their auto & property (homeowners, renters, condo, mobile home, dwelling) insurance companies. This blog post provides complaint information for the 20 largest insurance companies insuring homes in West Virginia, & ranks them based on their 2010 national complaint ratings (Accurate 2011 complaint records are not available yet). Know the best and worst companies! Continue reading

West Virginia Auto Insurance Reviews: Complaint Ratings for 20 Top Companies

Does your auto insurance company have a large amount of customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Is your insurance company really any good? Most consumers fail to check the complaint records of their auto & home insurance companies. This blog post provides complaint information for the 20 largest insurance companies insuring cars in West Virginia, & rates them based on their 2010 national complaint record (Accurate 2011 complaint records are not available yet). Know the best and worst companies! Continue reading