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Tips

Insurance? Here are some tips to keep in mind.

  • Lewis Insurance Agency, Inc. may assist you in finding insurance coverage. With a local insurance agent, like Lewis Insurance, you have a professional contact to inquire about coverage issues, review your policy and assist you int the event of an insurance claim.
  • If you think your insurance is too expensive, consider having an annual review with us. We can go over your current coverages and make recommendations such as raising your physical damage deductibles to save you money.
  • Increased home insurance deductibles can provide significant cost savings when you own a home. You'll be forced to pay more money from your pocket if you have an insurance claim, but if you infrequently have claims, you may save a large sum by paying higher deductibles and lower rates.
  • Safe drivers pay less for car insurance. If you tend to drive too fast, have minor fender benders or repeadly run red lights, you will pay higher insurance rates. Conversely, if you are a good driver and do not file frequent claims with your Pennsylvania insurance company, then you will be rewarded with lower rates.
  • When buying insurance, whether its home, life, auto, rental or other: Find out whether your state insurance department offers any information concerning insurance companies and rates. This is a good way to get a feeling for the range of prices and the lowest-cost providers in your area.
  • Did you know that if you lose a piece of jewelry it may not be covered under your present homeowners policy? Ask us, we can help!
  • Check several sources for the best deal. Try getting quotes from an insurance focused website, but be aware that many online services may provide prices for just a few companies. An independent insurance agent that works with several insurers in your local area might be able to get you a better deal.
  • Make sure the insurance company is licensed and covered by the state's guaranty fund. The fund pays claims in case the company defaults. Your state insurance department can provide this information.
  • Check the financial stability and soundness of the insurance company. Ratings are available online and at most public libraries.
  • Research the complaint record of the company. Contact your state insurance department or visit the website of the National Association of Insurance Commissioners, which has a database of complaints filed with state regulators.
  • Find out what others think about the company's customer service.
  • Once you pay your first insurance premium, make sure you receive a written policy. This tells you the agent forwarded your premium to the insurance company. If you don't receive a policy within 60 days, contact your agent and the insurance company.      
 
Email: lewis.agency.inc@gmail.com