Month: July 2015

3 Tips For Getting Car Insurance Quotes

Posted on by AgentInsure

Lumberton, NC is a small city of approximately 20,000 people. There’s the Lumber River that provides a lot of recreation as well as golf courses, batting cages, and more. Southern hospitality reigns supreme in this area and people from all over the country come to visit as a way of seeing the parks and other attractions.

When you want to get car insurance cheap, it pays to get quotes. However, there are some tips to follow to ensure you get the best possible quotes.

1. Work with agencies

When you work with insurance agencies, you get the help from independent agents. We will search for the cheap quotes in Lumberton for you so there’s no need to contact all of the insurance companies individually.

2. Look at the discounts

The insurance discounts can come in all shapes and sizes. This includes veteran status, homeowner and marital status as well as various organization affiliations. When you work with agencies, one of the perks is that they know all about the discounts and will ask question in order to maximize your savings.

3. Make apples-to-apples comparisons

You will want to decide on the coverage you want before actually receiving the quotes. As you start to get the car insurance quotes, make sure you are making comparisons equally on the level of coverage. You can always choose to add more coverage once you see what the quotes are coming in at, but they need to include the same levels of liability, collision, comprehensive, and other coverage options.

Take the time to contact our independent agents today so we can help you get the cheapest possible quote on car insurance in NC without sacrificing coverage. We can answer concerns you have and place several options in front of you.

Tips for Knowing How Much Life Insurance You Need

Posted on by AgentInsure

When it comes to purchasing life insurance, many people get more than a little confused on how much coverage they need. Truth is, though, it's fairly simple and straightforward to calculate how much is needed.

If a person doesn't have anyone who is dependent upon him — spouse, children, grandchildren, etc. — then there's really no need to purchase a life insurance policy. If however, there are dependents, then a policy that equals about 10x as much as the policyholder's annual income should be obtained. Take for instance that the person makes $60,000 a year. A life insurance policy in the amount of $600,000 should be sufficient.

Then again, if a retirement fund or savings account has been paid into, then such a high life insurance policy may not be needed. It all comes down to what a person wants to leave behind to their beneficiaries. But the important thing to note is that life insurance funds are not meant to make a family rich once the policyholder becomes deceased. The funds are supposed to be used so that the family can maintain the same standard of living as it was when the policyholder was alive.

By speaking with our insurance agents in Hope Mills, NC, you can easily identify how much of a life insurance policy that you need. Our agents in the 28348 area will know how to best assess your life situation, which will go a long way in helping you create a life insurance policy that best accommodates you and your family's needs as well as fits within your budget. Do keep in mind there are several types of policies to choose from, with the cheapest usually being term life coverage plans.