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Insurance Tips

How Much Insurance Do You Need?

How Much Insurance Do You Need?

Deciding exactly how much insurance you needs can be a difficult decision. No matter what type of insurance policy you happen to shopping for, finding the right coverage at the right price is complex, but this guide might be able to help.

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  • Car Insurance: Most states will tell you that you have to have liability coverage to drive within the state. Often these kinds of policies help to cover your liability if you’re found to be at fault in an accident. The payout only helps those you hit, though. It doesn’t cover your own injuries or any damage to your car. If you want to go a step up and go with comprehensive coverage, it may cost you a little more from month to month, but it will cover medical expenses for you and your passengers, and it will repair your car in the event of an accident. You can also choose to add coverage that covers the cost of the car should it be stolen or damaged when it’s not in a traffic accident.
  • Health Insurance: This topic has been in the news quite a bit recently thanks to recent health care reform. The reality is that you can buy policies in varying shapes and sizes, from those that just cover you in the event serious injury occurs to those that cover everything from a skinned knee to a heart attack. When you’re trying to determine how much health insurance you need, the simple answer is that you need enough to make sure you can manage unexpected illnesses and injuries as well as chronic conditions without serious financial setbacks. Deciding where that line is, however, is up to your family.
  • Property Insurance: Whether you’re covering your home, an apartment, or even your crops, property insurance is a great way to make certain your investment will be protected from anything. The level of coverage you want depends on how large your investment is. If you just want something that will pay for your furniture in the event of a fire, you’ll need a far smaller policy than you might if you want something that covers every inch of your property and all of the things that might happen to it, including earthquakes and floods. This is one space where you certainly want to consult your agent to decide what size your policy should be.
  • Life Insurance: People sometimes call this death insurance, because the benefits are typically only payable once you’re gone. In fact, that’s what needs to be foremost in your mind as you buy life insurance. What do you want to leave behind when you’re gone? In most cases, you need to factor in your final expenses, including any medical bills, as well as anything you’d like to leave to pay off a child’s college tuition or even your mortgage.

How much insurance you need is a personal decision. Decide what you’d like to have covered, then contact us for a closer look at your options.

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Insurance Tips

Insurance Tips

Risk surrounds you every single day. A good way to mitigate that risk is to make sure you have the right insurance protection in place, but it’s difficult to get good insurance today. How can you make certain you’re getting the very best? These tips can help.

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  • Define Your Needs Carefully: No matter what type of insurance you might be shopping for, the key to getting the right policy to meet your needs is to make certain you understand what your needs actually are. If you’re looking to save money on monthly premiums, put that at the forefront of the equation. If you need comprehensive coverage that can handle anything, make certain you put that forward as you shop. Remember to brush up on your insurance policy and read everything! You want to truly understand what you’re getting before you actually decide to buy.
  • Look At More Than the Total Policy Price: The upfront pricing of a policy might look attractive enough to tempt you to buy it immediately, but that can’t be all you look at as you shop. Remember that some policies cover far more than others do, and that means you need to be looking at total coverage rather than the total price you’re going to pay.
  • Consider Optional Add-Ons: There are so many great ways to enhance the coverage you’re getting, and many policies come with riders or add-ons that can help to make certain you’re covered no matter what happens. For example, some car insurance policies come with a windshield add-on that will replace your windshield glass no matter what happens. Life insurance policies sometimes come with disability riders to help give you financial security in the event you become suddenly disabled. Ask what you can add to each policy to make it more valuable to your life.
  • Bundle your Policies to Save More: You can actually save money if you keep all of your policies with us. You can save quite a bit by choosing to buy both your auto and homeowners insurance with us or if you’re adding life insurance to your current health insurance or some other combination. Bundling will help you get more for less.

Ready to get started? Contact us today to learn more about how you can change the face of your insurance forever with VCI. Complete the free quote form or give us a call, and start shopping for better insurance.

Call Us: +1 888 721 2511