Valentine's Day is right around the corner. Have you already gotten that special someone the perfect gift that shows how much you love them? Or are you like me who knows when every single holiday is coming, yet still manages to wait until the day before to try and find the right gift? Personally, gift shopping is my Achilles heel. I am a terrible gift buyer and I don't try to deny it. My wife has come to terms with this over the years, and thankfully she still loves me anyways!
Here's a riddle to see if you can figure it out:
It's something you don't ever think about until you need it the most.
But seeing as you are on my website and reading this blog, there's a pretty good chance you already know what it is......
The answer is: INSURANCE
Pretty obvious, I know. But really ask yourself, when was the last time you truly looked at your insurance policies? Do you even know what you have (or is it still up to date)??
Before I got into the insurance industry I only knew 3 things about my policies:
I kid you not, I didn't know ANYTHING about the policies or what any of the different coverages even meant. The thing about it is, YOU aren't supposed to know all of that. Your AGENT, the one who went through the licensing process with the State and has to do continuing education to keep their license, does. The biggest issue right now in the insurance industry is agents not really doing the full job for their clients and just trying to sell them the cheapest possible thing to hit a quota. Also, with the rise in technology, more and more people are now purchasing their insurance 100% online without having a clue of what they are getting (This is frightening)! Without knowing it, one bad day could end up causing you to be in financial ruin, which many times could be avoided by something as little as $10 per month.
So why are we talking about Valentines Day, Insurance, and Online Shopping? Because everything we do at the Stephen Turner Agency is to make sure that one bad day does not change your entire financial future. To make sure that you and your family have the peace of mind that when (not if) something happens, you can make one phone call and get taken care of.
Everyone wants to pay as little as possible for their insurance, me included! But the truth is that you want to pay the least amount possible for the RIGHT coverage. Everyone has their own unique situation and different needs. We say it all the time, but there is NO 'one-size-fits-all' in insurance. So when you purchase a policy online not understanding what you are doing or with an agent who doesn't take the time to understand your needs, you are essentially throwing money into the trash.
Sure, you have the proof of coverage you need to legally drive or provide to your mortgage company........but when you have to file a claim you will be fighting your own insurance company the entire time (if they don't just flat out deny the claim).
Nobody wants to pay for insurance every month only to be denied when they actually try to use it. THAT is the testament of an insurance company: How well are YOU, the client, treated when you need to get money back from the insurance company?
If you are filing a claim, chances are you are already having a pretty stressful day (Unless you just woke up one morning, had a cup of coffee, and thought "You know what, I'm going to file a claim on my insurance today just for fun"). Something has already gone wrong like a car accident, storm damaged your home, etc. The LAST thing you need to deal with is finding the right 800 number for the claims department, waiting on hold forever, and maybe getting someone who knows what they are doing so you don't have to be transferred multiple times just to get taken care of.
At the Stephen Turner Agency, we are a full service agency. That means we help you from getting your policies set up correctly, helping anytime you have questions or concerns, and being able to file you claims when they happen so you only ever have to contact our office for anything! We take pride in being your choice to protect your family, and we are always available to help when you need us.
So as you are thinking about your loved ones this Valentine's Day, ask yourself what really matters. The roses and jewelry are beautiful, and the chocolate is delicious. But long after those things are gone, you are still going to need someone on your side that you can get in touch with when the bad days happen.
We are a local agency and help families every day with auto, home, renters, life, business, boat, motorcycle, travel trailer, landlord insurance, and much much more. It costs you nothing to get a quote, but not making sure you have the right protection and agent could cost you thousands!
This blog will have articles written by members of the Stephen Turner Agency as well as other relevant articles we find. We want to ensure you have the most up to date info on the insurance industry so you can make the best choices for your family!