free insurance quotes - Narrowing down your choices for the best insurance is easier if you can tap into free insurance quotes. It’s a fantastic idea that should be capitalized on. They do say that you can get better results with more options and this could not be any truer than with insurance. With free insurance quotes, you don’t have to wait an hour. It’s given within seconds of you providing certain data like your zip code and the type of insurance you’re requesting.
However, tables could turn if you are not conscious of certain “trade tricks.” It’s an open secret that there is intense competition to get more signatures on the dotted line, so much so that unscrupulous agents may resort to wrong tactics. It shouldn’t deter you from using free insurance quotes, and as long as you are aware of what could happen, then you avoid messy entanglements and complications.
free insurance quotes - Little Add-Ons Can Add Up
Unfortunately, unless you’re careful you could end up agreeing to a policy with several add-on costs. It can get away from you if the company just keeps offering sweet deals without showing you the total cost. Thus, you need to keep going back to the bottom line to make sure it is within your budget.
Be Honest with Your Status
If you are applying for medical insurance and you do not inform the insurance company of your pre-existing conditions, they could use it against you to deny future claims. This can happen after months of paying the premium. There are many free quotes you can get even with pre-existing medical conditions but you have to expect a higher rate. If you decide to sign on with an insurance company, make sure the pre-existing medical condition is noted in the policy. This way the insurance company cannot deny your claim outright or use non-disclosure as a reason for not approving your claim. In short, make sure everything is in writing. It will protect your interests. Also, most insurance companies will have a 12 month grace period for pre-existing medical conditions before entertaining any claims.
Free Quotes That Are Unbelievably Cheaper
Don’t jump for joy if you come across a fantastic deal. Compare it with the other free insurance quotes first. You should also not rely on the free quotes but dig deeper into the short list you have come up with. Check feedback, business history, financial foundation and ranking in the industry. You have the right to call your local State Insurance Commission office to ask if the company you want to deal with has a license and no pending cases.
Reading the Fine Print
It is possible to transact online but always make it a point to go over the fine print. If you have to, request for a hard copy to be mailed to you. It is also urgent that you never pay the total premium amount in cash and in advance. If there’s something you don’t understand, then get clarification. It’s their job to make you understand and your job to ask the questions.