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Insurance-shopping tips

Start here

  • 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: