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Learning the details about insurance can be overwhelming. Increase your insurance IQ and become insurance savvy with these ten simple tips.
Before you fall in love with that fancy new car, find out if the cost of insuring it fits within your budget.
Lower your premium by requesting a higher deductible. However, you should set aside some extra money to cover the higher deductible in the event of an accident.
Pay your premiums on time and maintain continuous coverage. You could see your premium rise if you don’t renew coverage and let your policy lapse.
Avoid surprises by asking your agent to explain the terms in your policy if you don’t fully understand them.
Property values, reconstruction costs, and your commuting habits can change, so it’s important to review all of your insurance policies every year to ensure you have enough (and at the same time not too much) protection.
Speak to a licensed insurance agent and talk through all your needs. This can help prevent you from buying protection you don’t need and may also be your key to unlocking multi-policy discounts.
Most people don’t think of this, but help your beneficiaries avoid a red-tape tangle by verifying their Social Security numbers and the correct spelling of their legal names on your life insurance policy.
Getting married, welcoming a new baby, sending a child to college, and retiring can all impact the insurance you need. Let your agent know when a major life event occurs so your coverage keeps up with the changes in your life.
Homeowners policies generally do not provide high enough limits to cover valuables such as jewelry and artwork along with your other belongings, so talk with an agent about additional coverage, commonly called a rider, to protect these special items.
Investigate the financial strength of insurance companies by reviewing data published by A.M. Best, Standard & Poor’s, and Fitch Ratings.
No matter what stage in life you are, Wells Fargo Insurance is here for you. If you have questions, call our knowledgeable team of licensed insurance agents at 1-866-294-2571.
We’re committed to your financial success. Here you’ll find a wide range of helpful information, interactive tools, practical strategies, and more — all designed to help you increase your financial literacy and reach your financial goals.
Please review your insurance policies carefully, as coverage and exclusions vary.
Wells Fargo Insurance, Inc. (Minneapolis, MN) is a licensed agency that represents — and is compensated by — the insurer based on the amount of insurance sold. No purchase of an insurance product through Wells Fargo is required.