Ten years ago, you didn’t expect to turn on the television and see insurance companies battling it out for commercial time in between your favorite shows. You also didn’t see them as some of the biggest sponsors of the sporting event of the year, the Super Bowl.

Times have changed though—and some of the big insurance companies out there are spending millions of dollars each year to tell you that you can save 15% in 15 minutes.

Their focus is price-driven and I understand why.  Customers want to save money.  You want to save money. I want to save money too. But I don’t agree with the fact that they simplify insurance as if it’s a commodity like gasoline.

All agents and all insurance companies are not created equal.

Price is important, but so is coverage.  Insurance is a topic that requires you to be farsighted—you have to see the value of choosing something today that will protect you down the road.

You can go to any agent and any company this afternoon and get a lower price than what you got this morning.  It’s no big secret that the lower the coverage, the lower the premium.

The question is…..do you want to work with someone who is not concerned with covering you the RIGHT way, only to undercut his or her competitor by $40 now?  Given a little bit more thought and foresight you may find it a better option to work with someone who knows to provide you with more coverage now, rather than six months down the road when you get into an accident and have to scramble for proper coverage.

By Robin Price