Don't Forget the Insurance Broker

The economy continues to struggle. And, if you're like most people, you're doing everything you can to save money. What's amazing, though, is that while people will cut out their fast-food lunches and brew their own coffee in the morning, many don't give a second thought to the homeowners or car insurance premiums that they pay.

And, in the long run, these insurance premiums cost a lot more than a fast-food burger.

The key to finding the lowest inurance rates is to work with a broker. An insurance broker will search the policies of auto, homeowners and health insurance companies across the country to find you the lowest possible rate. And, this broker saves you time, too. You won't have to hunt for lower rates yourself, a task that, even with the help of the Internet, can be time-consuming and frustrating. Your broker will do it for you.

Best of all, your broker will take the time to get to know you. And, armed with this information, your broker will be better prepared to find you the lowest possible rates on everything from life insurance policies to car coverage.

Here's how it works. Your broker will discuss with you your driving record. He'll determine how many miles on average you drive your car each week. He'll jot down whether you have an alarm system on your vehicle or whether you park it each night in a garage that comes with its own security. All of these factors have an impact on the car insurance rates you'll pay. And, your broker will search until he finds the rates that are the lowest for a driver with your specifics.

It works the same with property or homeowners insurance. Do you have a security system installed in your home? Do you live in a low-crime zip code? If so, your broker will use this information while hunting for the lowest homeowners rates for you.

Don't make the mistake of wading through insurance policies on your own. Rely on the help of a seasoned insurance broker. You'll be surprised at the difference it makes.