- Shop around.
- Choose a company and agent you can trust.
- Look for agents and companies with good reputations in your community.
- Check credentials. Contact the Wisconsin Insurance Commissioner’s Office to make sure the agent is licensed in Wisconsin.
- Do not buy on price alone; consider coverage and service too.
- If someone quotes you a much lower price than his competitors, ask how he can offer this rate when others cannot.
- Do not allow an agent to pressure you to make a fast decision. You are in control. Buy only the insurance you want and need.
- Make your own decision. Buy only the insurance you want and need.
- Understand what you are buying. You deserve clear explanations.
- Pay with a personal check or money order made out to the insurance company or agency.
- If paying with cash is your only option, make sure you get a receipt listing the name of the insurance company.
- Do not sign a blank application.
- Fill out your application completely and accurately.
- Get copies of everything you sign.
Prepare for your first meeting with your insurance agent
- Keep copies of all proposals and examples.
- Get all promises in writing.
- When your policy arrives read it. Call your agent if something doesn’t look right.
- A copy of your application will be included in your policy. Read it. Call your agent if something doesn’t look right.
- If you are turned down for insurance, ask for the specific reason(s).
- Ask for a “free look” period (usually 10-30 days) to give you time to read the policy at home and get a refund if you change your mind.
- Publications about insurance: