Don’t Call A 1-800 Number For Your Car and Home Insurance!
Guys don’t do it! Please don’t do it! Don’t purchase your insurance coverage through a 1-800 number in Gilbert, Arizona. These people don’t know you and they don’t care about you. Don’t call someone and buy insurance from someone that you’ve never spoken with and someone that you’ll never speak with again, because every time you call their 1-800 number, you get a new person in a different state, possibly in a different country that doesn’t know you and they don’t know your individual needs for insurance. You want and need someone local, here in Gilbert, Arizona.
These Companies Give Bad Advice & Bad Policies
Now, I’m not going to name names, but there’s this company, they have a little lizard and they are notorious for giving people horrible coverage and people don’t know any better. Take a look at this example. This person called in and they said, “Hey, I want a decent policy, but I want the cheapest policy possible.” And so what did this company do? They cut this person’s liability limits here down to the state minimum, essentially giving them no coverage at all Even worse, they rejected their uninsured and underinsured coverage leaving them extremely exposed if they were ever hit by a driver who didn’t have enough insurance or who didn’t have any insurance.
You Need An Independent Broker
So why do I say don’t call the 1-800 number? Well, I kind of already touched on it, but the main reasons are if you use a local insurance broker, they know you, they know your needs, they know the area where you live and you call and you get the same person every single time. So when something happens in your life, like a significant life change, they know what to offer you and they know how to tailor the policy to fit your specific insurance and financial needs. That’s something that no matter how good or how inexpensive a 1-800 insurance company is, they cannot replicate.
And here’s the thing, if you work with a broker that has access to multiple companies, they’re going to be able to find you something that’s extremely less expensive than these 1-800 numbers to begin with. They’re going to give you better coverage and they’re going to find you better rates.
So please, I beg of you, do not call the 1-800 number or don’t use an app on your phone where you never speak with anybody to determine your insurance needs. Don’t expose yourself financially like that. You need to get a professional who knows you, knows your situation, and it’s going to put you in the best possible situation in case the worst ever happens and you actually need to use your insurance.