Do you "bundle" your insurance policies?
Generally, it's advantageous to do this, meaning you combine your insurance coverages with the same insurer. Companies reward you with discounts for using that one insurer to cover multiple policies.
The most common combination is to use the same carrier for home and auto insurance.
HOWEVER, there are exceptions, and this is another reason to use an experienced independent agent.
Independent agents have access to numbers of insurance carriers, meaning they can mix companies to match your specific insurance needs.
When would using different companies be better than bundling policies with one insurer? Here are a few examples:
In each of these examples, one company may have much better rates for one type of insurance, but extremely high rates for other types of insurance.
Unbundling policies can end up being less expensive overall for the level of coverages needed.
Are your insurance policies bundled and have your circumstances have recently changed (like in the examples above)?
It's in your best interest to contact a local independent agent who is highly experienced in handling complicated situations to see how he can save you money by unbundling your policies: 706-726-1446.