With the sheer number of different types of insurance policies, it’s easy to become confused. I wanted to take a moment to help you to understand what sort of insurance coverage you need and how to get the best deal possible. Here’s some suggestions:

• You can save serious dollars off of your insurance premiums by bundling your policies. Insurance companies typically offer many discounts; one that is fairly standard is to provide a discount if you have your homeowners and auto policies with the same company. When a person contacts us for insurance at Benton White Insurance, we ALWAYS suggest bundling or packaging their insurance with one company. The current discounts range anywhere between 8% and 18% savings if you bundle.
• To obtain the correct insurance, you must know what the company can provide you. Insurance is no easy world to comprehend, but when things become too confusing, we do our best to break it down for you so some of the complexities of insurance can be easily understood. I often tell folks that we are in the education business as much as we are in the insurance business.
• Keep your credit score high so you can pay less for insurance. Your insurance premiums are partly based on your credit. If you are thought to be a “high risk”, the quoting insurance company will have higher premiums that you have to pay as a result.
• You can increase your deductible to reduce your rate but you have to be sure you understand the consequences of that. One has to remember that raising your deductible will incur more out-of-pocket expenses from you, should you be involved in an accident or have a property claim. Be mindful of how much these minor costs can add up, so you can make an informed decision.
• We do the shopping for you at Benton White Insurance. That way, you’ll know when we quote a rate to you or your friends, we have shopped our portfolio of companies and have many options that can work in your favor that we present.
• If your circumstances require you to change providers or policies, you should verify that you will still be covered during
  the transition. If you don’t address holes in your insurance, your rates might even go up. That’s a part of our service in that we guide you so you won’t have a gap in coverage and if we are writing your new coverage, we won’t advise you to cancel your existing coverage until our coverage is fully in effect.

Nothing is quite as daunting as sifting through loads of paperwork and attempting to base a huge financial decision on something you don’t understand, but that’s exactly what it feels like. We’ll help you cut through that paperwork and hopefully make the purchase of insurance something easy, quick and certainly most affordable.

We’re ready to earn your business! Contact any of our staff at 615.377.1212 or EMAIL us at info@BentonWhite.com. Hopefully, the tips and info you’ve just read will help you make wiser choices.