{"id":458,"date":"2016-07-14T05:30:14","date_gmt":"2016-07-14T05:30:14","guid":{"rendered":"http:\/\/www.keystoneinsurance.us\/?p=458"},"modified":"2016-07-13T03:56:40","modified_gmt":"2016-07-13T03:56:40","slug":"should-i-price-shop-my-insurance","status":"publish","type":"post","link":"https:\/\/keystoneinsurance.us\/?p=458","title":{"rendered":"Should I Price Shop My Insurance?"},"content":{"rendered":"

\"July_Blog_2\"<\/a><\/p>\n

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Many people think that the goal in purchasing insurance is to find the cheapest price, but that\u2019s just not true!<\/p>\n

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There are many dangers to price shopping your auto, home, or life insurance.\u00a0 Today I\u2019ll share what you need to watch out for.<\/p>\n

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Insurance rates are determined by the amount of risk present.\u00a0 Tickets in the past,\u00a0 young inexperienced drivers, and even the area you live in, can determine how much risk you present and effect your rate.<\/p>\n

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Rates vary from one company to another, but cheaper isn\u2019t always better.\u00a0 Insurance companies are graded by how financially stable they are (which includes their ability to pay their claims if there was a major catastrophe!)\u00a0 You don\u2019t want to be with a low rated \u201cfly-by-night\u201d company, so don\u2019t get tempted by those too good to be true rates.<\/p>\n

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Even if both companies are reputable, there are still important things to check for in comparing two quotes.\u00a0 Begin by going through the coverage listed line by line and seeing what they show.\u00a0 Are the liability limits the same?\u00a0 What about the deductibles?\u00a0\u00a0 Differences in these coverages can drastically change the rate!<\/p>\n

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Let\u2019s say that you currently have a $500 deductible on your vehicle.\u00a0 So you go out price shopping and find a cheaper price BUT the deductible is $1000.\u00a0 That means you\u2019ll pay out TWICE as much if you were to have hail damage or an accident.\u00a0 Is it really worth saving a few dollars per month?\u00a0 Often the answer is no.<\/p>\n

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When getting a quote, always request that the agent compare your policy \u201capples to apples\u201d.\u00a0 This means that they put the exact same coverage on your quote that you currently have.\u00a0 This is the best way to compare on price.\u00a0 Then have them give a quote with the recommended coverage, especially if they believe you\u2019re underinsured.<\/p>\n

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Once you\u2019ve compared on price, you\u2019ll also want to look at discounts!\u00a0 If you currently have your home and auto insurance with one company, but move just the auto to another company – chances are that your home insurance will go up!\u00a0 That\u2019s because many companies offer a discount for having multiple polices.\u00a0 These discounts can save you hundreds of dollars each year, so it\u2019s important to consider them when shopping.<\/p>\n

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And finally, always consider working with a local agency over an online company.\u00a0 Why?\u00a0 Because of all the perks!\u00a0 Many local agents can offer the same (or better) prices, but provide much more expertise and knowledge when it comes to choosing the right policy.<\/p>\n

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If you don\u2019t have a solid understanding of how insurance works, and you choose your own coverage online, you risk underinsuring your family!\u00a0 We can help prevent this without costing you a dime more!<\/p>\n

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We want to be your local agency.\u00a0 Call us today to start your auto, home, and life insurance quote.<\/p>\n

Zappia Insurance and Financial Group<\/strong><\/p>\n

Call 1-800-569-2867<\/strong><\/p>\n

Du Bois & Treasure Lake (814) 371-4901<\/strong><\/p>\n

Pittsburgh & Cranberry (412) 265-6383<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

  Many people think that the goal in purchasing insurance is to find the cheapest price, but that\u2019s just not true!   There are many dangers to price shopping your auto, home, or life insurance.\u00a0 Today I\u2019ll share what you need to watch out for.   Insurance rates are determined by the amount of risk […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[11,9],"tags":[],"class_list":["post-458","post","type-post","status-publish","format-standard","hentry","category-car-truck-insurance","category-insurance-tips"],"aioseo_notices":[],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p5ZNiF-7o","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts\/458","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=458"}],"version-history":[{"count":1,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts\/458\/revisions"}],"predecessor-version":[{"id":460,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts\/458\/revisions\/460"}],"wp:attachment":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=458"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=458"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=458"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}