An annual insurance check up may save you $100s!

Insurance sucks. It’s expensive. It’s boring. You pay for it, but you hope you never have to use it. Using your insurance premium to light your cigar, seems more fun & useful than giving it to your insurance company, when you never have a claim.

As wasteful as spending money on insurance seems to be, many people voluntarily WASTE EVEN MORE of their money, by over-paying for coverage, or not getting the coverage they need. How does this happen? It happens because lots of people do not review their insurance coverage and shop for lower rates with other insurance companies each year.

An annual insurance check up may be as fun as dental cleanings every 6 months, but most people know it is important to get your teeth cleaned. An annual insurance check up is as important to your wallet, as regular cleaning is to your teeth. And should you have a claim, and not have the coverage you need, the results can be as painful as having all your teeth pulled, and 100 times more costly.

Your life changes every year. People change jobs, get married, get divorced, have kids, and your financial situation changes. An insurance coverage you did not need when you purchased your policy, you may need now. You may need more coverage. You are older. You may have different financial obligations. You may have more or less assets.

Also, insurance company discounts, rates, and policies change over time. Your auto insurance company may now offer a different auto insurance policy, with much better rates. There may be a new discount you can get to lower your rates. There now may be other insurance companies with much lower rates for you.

I will show you how to do your annual insurance check up by using my Web site, and show you how to find lower insurance rates, get discounts, and decide on coverage.

Each day this week, I will blog about one step.

The First Step: Go to www.smartshopyourcarinsurance.com, or click these links for auto insurance and homeowners insurance (If you own a home) and review your coverage.

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These two links on my Web site review auto & home insurance coverage, so you can compare it with what you have, if you are insured now, and decide on the coverage you need.

There are plenty of Web sites describing auto & home insurance coverage. My explanation of coverage is different, because it describes coverage with tips for you to decide if you need it, how much you need, & helps you avoid the mistakes many people make when choosing coverage.

The information is lengthy, but I don’t waste words on anything you don’t need to know. If you are pressed for time, at least read everything written in bold — it can save you a lot of money and heartache when you need your insurance.

Once you have used my Web site to decide on the coverage you need, you are ready for Step 2, which  I will blog about tomorrow.

The Other Steps:

Insurance Check Up Step 2

Insurance Check Up Step 3

Insurance Check Up Step 4

Insurance Check Up Step 5

If you haven’t shopped your auto or home insurance in the last few years with at least 5 other companies, there is a good chance you are paying too much. Has your agent or company ever thoroughly reviewed your coverage, policy limitations, & exclusions?  If you don’t think you need to shop with other insurance companies, you need to read my webpage showing you the 8 things every insurance buyer needs to know here.

When was your last insurance check up? Do you have any questions? Comment on my facebook page. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.