Do Not Pay Your Next home Insurance Bill Until You Read This…
Are you being scammed by your current home insurer? New policies are indicating that for the last few years many Minneapolis Home owners have likely been overpaying for their home insurance coverage.
The weather patterns and high losses in MN have led to higher prices. This is true. However, this is the one simple truth your home insurance company doesn’t want you to know – not all insurers have suffered the same amount of losses and have raised prices only because their competition has had increases. Some carriers are new to MN and haven’t experienced many losses and have been very profitable. They generally have much lower prices.
Some insurers have raised prices only because they can. The market has higher prices. Some insurers know most home owners are too busy to shop and compare or just don’t like change. So, they never shop. Insurers know some are a low risk of ever leaving or shopping – so, they raise prices – because they can!
Many people believe if they never make a claim and stick with the same carrier that they’ll get the lowest prices – not necessarily true…
If you are currently insured, have new updates, good credit, and no or few losses – you could actually pay less by switching. Your new carrier that may already have lower rates than your current carrier will also give you discounts.
Do you think your insurance company will tell you this stuff? Fat chance.
When Patty called her local independent agent friend she got the surprise rise of her life. She found out her former insurance company – the one she was with for seventeen years was ripping her off, and she could get auto and home insurance much cheaper.
“We managed to reduce our insurance costs by 50%! I only wish we had discovered this sooner.” Patty exclaimed.
What Patty did was call and let her local independent agent at the Minneapolis Insurance Team run her some quotes. She didn’t have to shop all around and give her info to who knows who over the internet. She let him shop and do the work and saved $3500 a year on all her families insurance!
Does this mean Patty was being scammed by her former insurance company – the one her employer recommended? She would not say one way or the other, but the truth is most people just don’t take the time or know enough to get the best deals. A local independent agent compares policies and coverage all day everyday. They know how and where to get the deals.
Her former big insurance company agent was never going to call and say “Did you know that we could get you a better deal? they only represent one company. They also weren’t likely to call and tell her insurance rates have dropped?
Using a local independent agent is the easiest and safest way to lower your rates. Period.
So, how much are you overpaying? Find out here…See if you are okay or being ripped off.
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