Regardless of what kind of insurance you require, there are a few things that you should keep in mind before you commit to a certain policy, so that you’ll know that you’ve chosen the right one for you, and at the best price available.

Planning is the best thing that you can do to make sure that you have the right amount of coverage, and that you’re paying the lowest rates for that protection. Remember that just because it’s the lowest price, it doesn’t mean that it’s the best policy. It has to be the lowest price for the right amount of coverage in order to make it worthwhile. No matter how little you pay in premiums, it will never be worth it if disaster strikes and you are underinsured.

Though it can seem daunting when faced with all of the different options that are currently available, by knowing some helpful tips, you’ll already be ahead of the game. These can include the following:
  • Always have all policies types with one company – An example of this would be, if you have renters insurance make sure you also have your auto insurance with that same company. There are huge discounts that Allstate offers for having all of your business with us. Make sure you're taking advantage of this - it can save you hundreds a year!
  • Know what you want to purchase – make sure that you understand the terms and conditions as well as all of the benefits of a plan you want to purchase. If you don’t understand something, ask an insurance agent.
  • Review your insurance needs every year – you may not notice when your insurance needs change, but it will happen, so make sure to reevaluate those needs and compare them to the coverage that you have every year ahead of renewing your policy.
  • One thing to discuss with your agent while reviewing your personal insurance needs is if medical and rental car coverage is really needed. Take for instance, if you have more vehicles than drivers, in other words a spare car, you might not need rental car coverage. Also, if you have a comprehensive health insurance policy you might want to consider lowering the optional medical coverage.
Consider an umbrella policy – if you have a number of different assets, make sure that they are all protected beyond the liability limits of your traditional policy by purchasing umbrella coverage, as well.
Remember, the key is to be adequately insured, not over insured, and not underinsured. Make sure to talk to your Santa Clarita insurance agent about these changes or give us a call for further information. Our number is 661-257-6053.


 
Simply put, life insurance gives your loved ones financial security after you're gone. We can help.

If the unexpected happens, your loved ones get a death benefit they can use for things such as medical bills, funeral expenses, outstanding mortgage and even living expenses.
Other financial products to help cover your personal needs:
  • Term Life and Permanent
  • Annuities
  • Long Term Care
  • Health Insurance

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Ellison Insurance is a full service, local Santa Clarita insurance agency, looking to save you money while offering top notch service with a full array of insurance products. Allstate Insurance has been in business for over 75 years, helping clients return back to normal, while remaining highly competitive. Have you thought about life insurance but just don’t know how to approach it? Most people don't realize that Allstate also has supplemental health insurance plans that offer cancer and accident insurance for both individual and family. Are you renting? If so, you may be missing out on some great discounts by bundling your car and renters insurance together. Maybe you’re wondering if there’s a local agent to help you with your auto insurance in Santa Clarita – We can! With two offices covering the Santa Clarita valley, we are where you’re at!
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