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        2. Milford, MI
        3. Allstate Insurance

        Allstate Insurance in Milford, MI

        About Search Results

        About Search Results

        YP - The Real Yellow PagesSM - helps you find the right local businesses to meet your specific needs. Search results are sorted by a combination of factors to give you a set of choices in response to your search criteria. These factors are similar to those you might use to determine which business to select from a local Yellow Pages directory, including proximity to where you are searching, expertise in the specific services or products you need, and comprehensive business information to help evaluate a business's suitability for you. “Preferred” listings, or those with featured website buttons, indicate YP advertisers who directly provide information about their businesses to help consumers make more informed buying decisions. YP advertisers receive higher placement in the default ordering of search results and may appear in sponsored listings on the top, side, or bottom of the search results page.

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        Allstate Insurance Company

        (188)
        Find a Location
        • (888) 431-3748
        InsuranceProperty & Casualty Insurance
        WebsiteGet a QuoteVideoMore Info

        Allstate Insurance Company

        (188)
        Find a Location
        • (877) 421-6619
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        Auto InsuranceInsurance
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        Allstate Insurance Company

        (188)
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        • (877) 649-2206
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        Life InsuranceInsurance
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        1. Allstate Insurance

        320 W Summit StMilford, MI 48381

        (248) 685-0053
        Insurance
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        2. Allstate Insurance

        155 S Milford RdMilford, MI 48381

        (947) 570-1332
        Insurance
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        3. Allstate Insurance

        1734 PetuniaCommerce Township, MI 48382

        (248) 363-6050
        Insurance
        WebsiteServices
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        4. Allstate Insurance

        2000 E Oakley Park RdCommerce Township, MI 48390

        (947) 570-1332
        Insurance
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        5. Allstate Insurance

        27575 Martindale RdNew Hudson, MI 48165

        (248) 486-1061
        Insurance
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        6. Allstate

        1107 S Milford RdHighland, MI 48357

        (248) 889-7700
        Insurance
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        7. Don Miles MBA - Allstate Insurance Company

        (1)

        49357 Pontiac Trl Ste 205Wixom, MI 48393

        (248) 669-0755
        Insurance
        WebsiteServices

        The staff at Don Miles Agency are knowledgeable and friendly and put the customer first. They were dedicated in their search to find me the best ra…

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        8. Scott Tharp - Allstate Insurance Company

        1268 S Commerce RdWalled Lake, MI 48390

        (248) 438-8734
        Insurance
        Website
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        Allstate Insurance: Don Miles

        9. Allstate Insurance: Don Miles

        12402 Highland Rd Ste CHartland, MI 48353

        (810) 344-4404
        InsuranceAuto InsuranceLife Insurance

        From Business: As a Personal Financial Representative in Hartland, I know many local families. My knowledge and understanding of the people in this community help me provide cus…

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        10. Allstate

        1155 Welch Rd Ste CCommerce Township, MI 48390

        (248) 624-4242
        Insurance
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        11. Allstate

        9145 Highland RdWhite Lake, MI 48386

        (248) 698-1731
        Insurance
        Website
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        12. Allstate

        9135 Highland RdWhite Lake, MI 48386

        (248) 698-1731
        Insurance
        Website

        From Business: Only an Allstate agent can give you a fast, free Good Hands® Coverage Checkup. You'll see what coverage you may need and what discounts you deserve. Drivers who s…

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        Marty Gross: Allstate Insurance

        13. Marty Gross: Allstate Insurance

        2753 S Milford Rd Ste CHighland, MI 48357

        (248) 685-0053
        InsuranceAuto InsuranceLife Insurance
        WebsiteDirectionsMore Info

        From Business: As a Personal Financial Representative in Milford, I know many local families. My knowledge and understanding of the people in this community help me provide cust…

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        Miles Tharp: Allstate Insurance

        14. Miles Tharp: Allstate Insurance

        (1)

        100 N Pond Dr Ste DWalled Lake, MI 48390

        (248) 669-5650
        InsuranceAuto InsuranceLife Insurance
        WebsiteDirectionsMore Info

        Tim recently helped me with a life insurance policy. I was very impressed how fast he got back to me , and how thorough and efficient this process w…

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        Mary Bucki: Allstate Insurance

        15. Mary Bucki: Allstate Insurance

        (1)

        46670 W Pontiac Trl Ste 6Commerce Township, MI 48390

        (248) 716-8785
        InsuranceAuto InsuranceLife Insurance
        WebsiteDirectionsMore Info

        Please keep in mind, that I have been an Allstate customer for 30 plus years. I not only have many autos insured through Allstate, but my home and r…

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        16. Terrance Quaine: Allstate Insurance

        2936 E Highland RdHighland, MI 48356

        (248) 889-7700
        InsuranceAuto InsuranceLife Insurance
        WebsiteDirectionsMore Info

        From Business: As a Personal Financial Representative in Highland, I know many local families. My knowledge and understanding of the people in this community help me provide cus…

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        Mack Khalil: Allstate Insurance

        17. Mack Khalil: Allstate Insurance

        1545 N Wixom RdWixom, MI 48393

        (248) 328-4200
        InsuranceAuto InsuranceLife Insurance
        WebsiteDirectionsMore Info

        From Business: I’ve gotten to know many local families as an Allstate agent in Wixom. I enjoy being a part of the community, and building local relationships is one of the best …

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        Jake Suardini: Allstate Insurance

        18. Jake Suardini: Allstate Insurance

        29798 S Wixom RdWixom, MI 48393

        (248) 779-9033
        InsuranceAuto InsuranceLife Insurance
        WebsiteDirectionsMore Info

        From Business: As an Allstate Agent in Wixom, I know many local families. My knowledge and understanding of the people in this community help me provide customers with an outsta…

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        Shirl Crowe: Allstate Insurance
        YP Preferred

        19. Shirl Crowe: Allstate Insurance

        (1)

        9145 Highland RdWhite Lake, MI 48386

        (248) 716-3134
        InsuranceAuto InsuranceLife Insurance
        WebsiteDirectionsMore Info

        I purchased life insurance for my son. I felt so good about it. I trust Shirl. Great experience. Going to move my car, home and rentals to her. Some…

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        Tom Attard: Allstate Insurance

        20. Tom Attard: Allstate Insurance

        1540 Union Lake RdCommerce Township, MI 48382

        (248) 360-2600
        InsuranceAuto InsuranceLife Insurance
        WebsiteDirectionsMore Info

        From Business: Our family has worked closely with Allstate for years to help people with their insurance needs - from homes to auto to boats and more. Our quality, service-orien…

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        Skip Sampson: Allstate Insurance

        21. Skip Sampson: Allstate Insurance

        28345 Beck Rd Ste 110Wixom, MI 48393

        (248) 596-0200
        InsuranceAuto InsuranceLife Insurance
        WebsiteDirectionsServicesMore Info

        From Business: As a Personal Financial Representative in Wixom, I know many local families. My knowledge and understanding of the people in this community help me provide custom…

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        22. Prince Elia - Allstate Insurance Company

        BBB Rating: A+

        4088 Haggerty HwyCommerce Township, MI 48390

        (248) 562-1733
        Insurance
        Website

        From Business: Only an Allstate agent can give you a fast, free Good Hands® Coverage Checkup. You'll see what coverage you may need and what discounts you deserve. Drivers who s…

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        23. Allstate Financial Service

        28345 Beck RdWixom, MI 48393

        (248) 596-0200
        Insurance
        Website
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        24. Azz Tax & Financial Services

        100 N Pond Dr Ste AWalled Lake, MI 48390

        (248) 926-0008
        Insurance
        Website
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        25. Maris Brown Rossell Insurance Group

        56849 Grand River AveNew Hudson, MI 48165

        (248) 264-6341
        Insurance
        Website
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        Allstate Insurance

        26. Allstate Insurance

        Serving the Milford Area

        (313) 438-5600
        Insurance
        Website

        From Business: When you choose Allstate, you not only get quality insurance coverage, but you also get the experience and knowledge of an Allstate agent. Your knowledgeable agen…

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        Allstate Insurance: Connolly and Associates

        27. Allstate Insurance: Connolly and Associates

        (1)

        66 N Williams Lake RdWaterford, MI 48327

        (248) 841-4084
        Insurance
        Website

        This agency is really delightful. My agent really took care of me and explained the insurance process in detail, more than any of my other agents ev…

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        Allstate Insurance

        28. Allstate Insurance

        39540 W 14 Mile RdCommerce Township, MI 48390

        (248) 825-3697
        Insurance
        WebsiteServices

        From Business: As a Personal Financial Representative in Walled Lake, I know many local families. My knowledge and understanding of the people in this community help me provide …

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        29. Jonathon Kaleto - Allstate Agent

        39540 W 14 Mile RdCommerce Township, MI 48390

        (248) 960-3000
        Wills, Trusts & Estate Planning...
        Website
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        30. Allstate Insurance

        6743 Highland Rd Ste 5Waterford, MI 48327

        (248) 889-9765
        Insurance
        Website
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        Allstate Insurance Company

        (188)
        Find a Location
        • (877) 421-6619
        How much could you save? Call for free quote now!
        WebsiteGet a QuoteVideoMore Info

        Tips & Advice

        How do I find the best life insurance policy/provider?

        There are many different providers and plan types, so  shopping for life insurance can be complicated. The first step involves understanding the type and amount of life insurance you need. From there, use online tools or contact local insurance agents to get quotes on rates and learn about how to apply.

        How much does life insurance usually cost?

        The cost of a life insurance policy is determined by two things: the guaranteed benefit amount and the individual risk of the policyholder. The latter is more complicated, and includes many  factors, including health, age, and  occupation. As of May 2017, a 30-year-old woman purchasing a 20-year, $250,000 term life policy can expect to pay about $141 per year. For comparison, a 60-year-old woman purchasing the same policy can expect to pay $1,033 per year. Since women have longer life expectancy on average than men, the latter can expect to pay slightly more. The same 20-year, $250,000 term policy will cost a 30-year-old man $156 per year on average.

        Will life insurance cover medical expenses?

        Certain specialized policies may provide income replacement in the event of disability, disease, or another situation where it may be impossible to work and medical expenses are high. One common alternative is known as an “accidental death and dismemberment” policy. AD&D policies work similarly to term life plans, but will only pay out death benefits when a fatality is caused by an accident, or if the policyholder loses a limb or the ability to see or hear. Death from a heart attack or cancer, for example, is usually not covered by AD&D, but these policies might offer lower premiums than a standard term plan.

        Is it better to save or invest instead of purchasing a life insurance policy?

        Many adults with children choose to buy a term life plan that covers them from the birth of a child until they turn 18, which is often the most cost-effective way to insure against the risk of income loss from unexpected death. While it  is possible to save enough cash or invest to provide even more funds in case of such an emergency, investing is subject to more risk of loss than a life insurance plan, and accumulating enough savings to provide a sizeable safety net can be difficult.

        What is universal life insurance?

        Whole life and universal life plans are each considered a type of “permanent life insurance.” Universal life is often similar in concept to whole life, but offers more flexibility in premium payments and cash withdrawals. For example, you might be able to temporarily pause or reduce premium payments at any time under a universal policy. It’s also often possible to borrow from what you’ve already paid into the plan or against a guaranteed death benefit in the form of a loan.

        How does whole life insurance work?

        Another common form of life insurance is a whole life plan. Like a term policy, a whole life plan requires paying a regular premium and will distribute a death benefit to beneficiaries. But, unlike term life plans, whole life plans accrue additional value as premiums are paid. This means that the policy grows in cash value over time, and might also earn additional interest that is tax-deferred. In this way, whole life plans can be thought of like specialized savings accounts, and are often used to transfer wealth among spouses or heirs without incurring estate taxes. Some whole life plans are also aimed at financially supporting a disabled family member, even after the policyholder has died.

        How does term life insurance work?

        One of the most common forms of life insurance policy is known as a term life policy. Under a term life plan, you pay a fixed premium for a set amount of time, usually between 10-30 years. If you die in an accident, or in some other way recognized by the plan, your beneficiaries will receive the full value of the policy. In most cases, this amount is the same regardless of how much you have paid in premiums. However, if you remain perfectly healthy at the end of the term, you simply stop paying premiums, but will not receive any benefit. Term life is popular among families with young children, as it can provide a financial safety net in the event they die, but only for as long as they are unable to support themselves. Premiums for term life plans are usually among the lowest of any type of life insurance.

        How much life insurance coverage do I need?

        The most basic way to determine the type and amount of financial coverage in your ideal policy involves a few factors:

        • Your current income and your expected future income.
        • How much your family will need for future major expenses, including education, health care and cost of living.
        • Your net worth, which includes the value of all assets like your home and investments, as well as all debts.
        Some insurance companies suggest buying a policy worth around 10 times your current income, potentially adding another $100,000 per child. However, some people choose to take out a policy simply for covering funeral expenses, which can be as little as $10,000. Consider speaking with a professional to learn more about the life insurance policy options.

        Do I need life insurance?

        Unlike health or auto insurance, there is no legal requirement to have life insurance, nor is there any kind of penalty for not having it. Life insurance is completely voluntary, but many adults who work to support children and other family members have it.

        What is life insurance and how does it work?

        Life insurance protects against financial loss related to the death of a family member whose income is relied upon by their children, spouse or others. In a basic life insurance policy, members pay a regular premium with the guarantee that upon death, their beneficiaries (surviving family members) will receive a payment. There are many terms and conditions that apply, and no two life insurance policies are the same.

        See more Tips & Advice

        Allstate Insurance Company

        (188)
        Find a Location
        • (888) 431-3748
        How much could you save? Call for free quote now!
        WebsiteGet a QuoteVideoMore Info

        GEICO

        (21)

        Serving the Milford area.

        • (877) 229-9777
        You could save 15% or more on car insurance.
        WebsiteVideoMore Info

        Schoen Insurance Agency

        Serving the Milford area.

        • (248) 782-8396
        WebsiteMore Info

        State Farm

        (984)
        Find a Location
        • (866) 276-1219
        WebsiteGet a QuoteMore Info

        Schoen Insurance Agency

        Serving the Milford area.

        • (248) 782-7684
        WebsiteMore Info

        E W Smith Insurance Agency Inc

        53420 Van Dyke Ave, Utica, MI 48316

        • (888) 832-5118
        Personal Service is Our Priority!
        WebsiteDirectionsMore Info

        Great Lakes Independent Insurance Agency Inc

        (1)

        36 W Flint St, Lake Orion, MI 48362

        • (248) 393-2400
        Extensive Experience For All Insurance Needs!
        WebsiteDirectionsMore Info

        Look Insurance

        (2)

        Serving the Milford area.

        • (888) 273-5304
        Regardless Of Driving Record-Call For Quote Today!
        WebsiteMore Info

        VTC Insurance

        1097 S Lapeer Rd, Oxford, MI 48371

        • (248) 828-3377
        Confidence For What's Next
        WebsiteDirectionsMore Info

        Direct Auto & Life Insurance

        Find a Location
        • (877) 777-3245
        Contact Us Online or by Phone-Locations Near You!
        WebsiteGet a QuoteVideoMore Info

        GEICO

        (35)
        Find a Location
        • (800) 331-0443
        You could save 15% or more on car insurance.
        WebsiteVideoMore Info

        GEICO

        (35)
        Find a Location
        • (800) 331-0587
        You could save 15% or more on car insurance.
        WebsiteVideoMore Info

        GEICO

        (8)

        Serving the Milford area.

        • (800) 550-5298
        You could save 15% or more on car insurance.
        WebsiteVideoMore Info

        GEICO

        (35)
        Find a Location
        • (800) 331-9790
        You could save 15% or more on car insurance.
        WebsiteVideoMore Info

        Allstate Insurance Company

        (188)
        Find a Location
        • (877) 649-2206
        How much could you save? Call for free quote now!
        WebsiteGet a QuoteVideoMore Info

        State Farm Insurance - James Snow Agency

        G 3535 Beecher Rd, Flint, MI 48532

        • (810) 620-0923
        WebsiteYP AdDirectionsMore Info

        Bill Turnbull Insurance Agency

        5649 Highland Rd, Waterford, MI 48327

        • (248) 599-1214
        WebsiteGet a QuoteDirectionsMore Info

        Kapture Insurance Agency

        G 5409 Fenton Rd, Flint, MI 48507

        • (810) 238-4639
        Free Estimates-Just North Of Hill Rd
        WebsiteDirectionsMore Info

        Community Insurance Center

        932 S Lapeer Rd, Oxford, MI 48371

        • (248) 628-2505
        Your Community is Our Community
        WebsiteDirectionsMore Info

        Mitzel Agency Inc

        24825 Little Mack Ave, Saint Clair Shores, MI 48080

        • (586) 359-0697
        WebsiteDirectionsMore Info

        Mercure Agency Inc

        (2)

        22200 Huron River Dr, Rockwood, MI 48173

        • (734) 379-9611
        WebsiteDirectionsMore Info

        C S I Financial Svc Inc

        34845 23 Mile Rd, New Baltimore, MI 48047

        • (586) 725-5144
        WebsiteDirectionsMore Info

        Keith Byard State Farm Insurance Agent

        947 Baldwin Rd, Lapeer, MI 48446

        • (810) 356-9019
        LIKE A GOOD NEIGHBOR...STATE FARM IS THERE!
        WebsiteDirectionsMore Info

        Juenemann Insurance Agency

        33652 Ford Rd, Westland, MI 48185

        • (734) 261-5010
        WebsiteDirectionsMore Info

        Shirl Crowe: Allstate Insurance

        (1)

        9145 Highland Rd, White Lake, MI 48386

        • (248) 716-3134
        How much could you save? Call for free quote now!
        WebsiteDirectionsMore Info

        Karen S. McMurray: Allstate Insurance

        6684 Dixie Hwy, Clarkston, MI 48346

        • (248) 507-4525
        Serving the Clarkston Area
        WebsiteDirectionsMore Info

        Larry Brandon - State Farm Insurance Agent

        1350 E West Maple Rd Ste 12, Walled Lake, MI 48390

        • (248) 313-4105
        WebsiteDirectionsMore Info

        Answer Financial

        Serving the Milford area.

        • (888) 877-9501
        More Info

        Pipoly, Shawn Farm Bureau Insurance

        510 W Grand River Ave, Brighton, MI 48116

        • (810) 227-6552
        WebsiteDirectionsMore Info
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        Helpful Reviews 
        Gardner & Gardner Insurance Agency
        Pamela C. rated

        VERY DISAPPOINTED!!!!! Saved over $100 on insurance when I switched which sounds good but......I went from a 1 year policy to every 6 months with this company. You guessed it my rates went up every six month renewal. The last straw was when my rates went up $300 when I leased a new car 2016 Malibu. Was treated very rude when I called to inquire about the rate increase. My rate went from $140-$191 a month, for one car, that's with a high credit score, high insurance score, no claims and no tickets in over 10 years. I switched to Allstate, my car insurance went down to $126 a month with a $50 comp deductible as opposed to $250. My house insurance went from $87 a month to $68 with $10,000 more flood insurance! I would not be writing this review if I had been treated with the respect I deserved. Bill Sr. has an incompetent employee that does not follow through with what she tells you she is going to do and then says it was not discussed.

        Did You Know?

        Insurance Basics

        To mitigate the risk of loss, people purchase insurance policies from a company. When buying a policy, the person agrees to pay a premium, which is small, regular payment based on the losses that may occur. If the insurance provider determines there is a greater chance of risk as compared to the average policy, the premium is usually higher. Premiums are often paid monthly, and can add up over time up to be greater than the expense of replacing the insured item.

        Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.

        Insurance Agents
        Selecting the right insurance involves careful research and evaluating many different options for coverage. This is why many people use an insurance agent to assist with making the right choice depending on their needs and financial situation. Agents often interview potential or current clients to get an idea of which insurance policies would benefit them the most. Based on their needs and individual risk, agents can often give potential customers a quote, which serves as a cost estimate for a specific policy. This is only a rough idea of what the policy will cost, because evaluating the risk associated with a given customer can take time. Insurance companies often compile an insurance score to quantify the risk an individual poses and calculate premiums accordingly. Credit scores play a major role in insurance scores, but past insurance-claim history is also taken into account.

        While agents often specialize in a particular category of insurance, some sell several different types of insurance. Agents can work for a larger insurance company or operate independently, selling policies from several different insurers.

        Insurance Products

        Almost anything of value can be insured to protect against loss due to a variety of circumstances. Insurance policies are very specific in the items they protect and in what event the policy holders will be reimbursed. Some of the most common insurance policies cover things we all use.

        Automotive Insurance
        Millions of Americans drive a car to get from place to place each day, so it makes sense that auto insurance is one of the most commonly used types. In most states, the law requires drivers to maintain an active insurance policy on any car, up to a certain amount. Most car owners are required at minimum to purchase liability insurance, which protects against damage for which the policyholder is at fault. Liability insurance covers damage to property as well as any injuries sustained in an accident. It's important to note liability insurance only covers damage or injuries of others, not the policyholder themselves. In addition to liability insurance, car owners can also purchase coverage for their own vehicle and medical expenses in the event of an accident. For this purpose, liability, vehicle and medical coverage are often packaged together in a single policy.

        Insurance can also be purchased for other vehicles, like motorcycles, ATVs, boats or RVs, and generally functions similarly to car insurance. Policies for alternative vehicles may have higher premiums if they are considered more dangerous, or might include other coverage options specific to the vehicle. Many companies that provide auto insurance will also offer coverage for motorcycles, ATVs, boats and RVs.

        Homeowners Insurance
        Your home, condo or apartment is probably the most valuable thing you own or otherwise pay for, so it makes sense to get it insured. Homeowners insurance is important not just for the security of the house itself, but for its ability to cover possessions inside the home as well. Many mortgage lenders also require an active home insurance policy.

        Like auto insurance, homeowners insurance is typically bundled together with policies covering many different items or categories of items. The primary coverage type is for the dwelling, insuring the house itself and all structures attached to it. Policies may also cover property within the home, with premiums varying depending on the value of all assets. Personal liability may also be included for damage or injuries sustained on your property that you are responsible for, much like auto insurance.

        Property insurance also may cover certain major events outside of your control. These are known as perils, and may include fire, flooding, natural disasters and other catastrophic events. You may want to purchase insurance against one or more of these perils if you live in a high-risk area. Flood insurance is an exception, however, and can be purchased through the government-sponsored National Flood Insurance Program. Your lender may require this if you live in a flood-prone area.

        Health Insurance
        To help pay for medical expenses, many people rely on their health insurance. With the passing of the Affordable Care Act, almost every American is required to enroll in a health care plan, or they face a penalty. Health insurance works similarly to other forms of insurance, although it is probably used to cover expenses more often, since car accidents and home damage are relatively rare compared to doctor visits and the need for medicine. Health insurance also operates on a premium-deductible model, and policyholders can choose what level of coverage works best for their lifestyle. For example, if you visit doctors very infrequently, you may consider a plan with a low premium and a higher deductible. On the other hand, people who require regular medical care may wish to pay a higher premium in exchange for more coverage from their deductible. Dental and vision care are sold as separate plans and are not required by law.

        Life Insurance
        When someone dies unexpectedly or is injured severely enough to be unable to work, it can be a financial disaster for their family or loved ones. Many people choose to purchase a life insurance policy to support their family in the event their regular income is suddenly lost. Life insurance comes in two basic types: term and universal. With a term life insurance plan, you pay a premium for a predetermined amount of time, usually 10 years or more. If you die at any point in that timeframe, your family receives a death benefit. If you're still around when the term is over, the coverage is canceled and you receive nothing. Universal life covers your entire life, and usually delivers a minimum benefit at death.

        Travel insurance
        Travel insurance is available for individuals who want to protect against unexpected setbacks in the course of travel, whether it's losing luggage or medical treatment abroad. Travel insurance may prove particularly useful for people who travel a lot for work or often visit remote locations. Travel insurance can take the form of either specific or blanket coverage. Specific coverage is useful for covering only certain risks, like medical emergencies or unexpected trip cancelation. Blanket coverage may cover some or all of your expenses for your entire trip.

        Pet insurance
        Pet insurance is a relatively new product that may help cover the costs of medical care for a dog, cat or other domestic animal. Medical care for animals can be very costly, particularly because insurance for them is rare. By paying into a premium, you can help offset the cost of unexpected emergencies as well as routine checkups and medication. While virtually unheard of a few years ago, pet insurance has become more popular as the cost of veterinarian care has continued to rise.

        Umbrella insurance
        Umbrella insurance is extra coverage from liability for other insurance policies, usually home or auto insurance. Consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover. For example, most car insurance liability policies cover at least $25,000 per person or $50,000 per accident. But if the accident involves a very valuable car, or the victim is willing to pursue legal action, insurance may not even begin to cover the full cost. You may want to hedge your risk by purchasing umbrella insurance to add extra protection to your existing policy.

        Insurance Claims Basics

        To receive a payout for an insurance policy, the policyholder must file a claim with the insurance company. The basics of the process are straightforward, but can vary depending on the type of insurance.

        Claims Adjusters and Examiners
        A claims adjuster or claims examiner is an employee of an insurance company, and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided. An adjuster inspects claims related to property damage, as in the case of auto or home insurance policies. Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.

        How To Make a Claim
        Filing an insurance claim can be stressful and confusing, but you need to begin the process as soon as possible to make certain you can recover your losses. It's important to note that in the case of emergencies, you should always call 911 first. The safety and health of yourself and others takes precedent over insurance.

        Auto Insurance Claim: If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes at the scene. The most important things to record are what happened before the accident, the date and time, traffic signs in the area and road conditions. Also be sure to get the other driver's name, address, license plate number and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.
        Homeowners Insurance Claim: In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.
        Life Insurance Claim: Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.

        Finding Discounts on Insurance

        Insurance is a wise investment, but it can make a dent in your monthly budget. Thankfully, there are a variety of ways to trim the fat off your premiums and make certain you are paying only as much as you need.

        Shop and Compare
        Perhaps the best way to save on any insurance policy is to take the time to compare prices between as many companies and plans as possible. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easier than ever before. Potential customers can often get free quotes online very quickly.

        Buy Only What You Need
        Insurance agents will often try to "upsell" on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash. It can help to create a budget and know exactly how much income you have to work with before making a decision on a new policy.

        Take Advantage of Discounts
        Insurance providers offer a wide variety of discounts for all kinds of special customers or circumstances. In one of the most basic discounts, many companies will offer lower rates for customers who purchase home, auto and life insurance policies from the same provider. Car owners may get a rebate from taking a safe driving course. For those with teenagers on their plan, good grades can earn a small discount as well. Insuring multiple cars with the same provider may also lower premiums. Some providers will offer lower rates for military personnel, federal employees, teachers, first responders and their families.

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