What Makes an Auto Policy Great?

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Most people need a car to get around Columbia, IL. That means you also have to have car insurance. Choosing the right policy is as frustrating as it is intimidating, but it doesn’t have to be. There are a few things that change the value of a policy that is often overlooked by shoppers. A couple of tips from Taake Insurance Agency can help you better evaluate your options and get the best deal.

Customization

The simple fact is that you don’t need a policy that is identical to your neighbor’s. Everyone has different priorities. You might need to be able to accommodate teenagers who are learning to drive. Perhaps you engage in ridesharing from time to time for a little cash. There are so many factors that can impact how your policy should be customized that you want a policy and company that can adjust with you. Even in the digital age, not all companies and policies will be created equal in this.

Cost vs Coverage

We all want the lowest premiums we can get, but they don’t always come with the best coverage. The entire reason to have insurance is to make sure you aren’t on the hook if things go wrong. Too often, people only look at the premiums and not the true extent of the coverage. Does your policy pay on the value of your vehicle or on the cost of replacement? Sometimes, paying a little more each month is worth it if it can guarantee that you won’t be car-less after an accident.

If you’re still not sure which policy is the best, help is always available. You can speak with your Taake Insurance Agency representative serving Columbia, IL, and they will help you navigate. When you customize the right plan, you’ll find that car insurance doesn’t have to be so stressful.

When Should I Start Shopping for Homeowner’s Insurance?

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Buying a home comes with a long to-do list. Don’t let homeowner’s insurance slip to the bottom.

As you embark on your home buying journey, it’s easy to spend hours creating a wish list, checking school ratings, and crunching numbers to see what you can afford. But it is equally important to know what you’re looking for and how you’ll protect it. 

It’s a good idea to start researching early so that you understand the coverage suggested in the Columbia, IL area. Taake Insurance Agency can help you make sure you have a complete picture of the coverage you’ll need. They’ll also help you understand what you can expect to pay based on the type of home you’re looking to cover.

You’ll find, however, that you can’t get too far in the homeowner’s insurance process until you actually have a home. The type of home you buy, its location, and its value will all affect the coverage you need, so the details will need to be worked out once you’re under contract. As soon as you have a signed and accepted an offer, you can hit the ground running to line up your new policy.

Before you get caught up in paint samples and furniture shopping, make sure your insurance policy is in place to avoid hiccups getting to the closing table. In most cases, your mortgage lender will require you to have a homeowner’s insurance policy before you can close on the home, and without professional, efficient guidance, you could end up with a headache. Taake Insurance Agency is a local agency serving the Columbia, IL area; we’ll help you finalize your coverage in plenty of time.