While an insurance policy isn’t an investment in the financial sense, it is a personal investment in the future of your family, your possessions, and yourself. We never know what life has in store for us, and having an insurance policy is the best way to prepare for the unexpected. Whether you want to insure your car, your home, your health or your life, go with the best agency. Here are our picks for the best insurance agencies around.
State Farm: Best Life Insurance
Whether you’re looking for a term policy, permanent insurance or universal policy, State Farm has your back. All of State Farm’s policies are flexible and customizable. Want permanent cash value insurance plan? You got it! Are you a young adult looking for a term policy with low rates? State Farm can provide you 20 or 30-year policies that you can tailor to your needs. There are also tons of policy riders, such as disability income, long-term care expense coverage, and accidental death benefits. You’ll be happy to know that there are plenty of resources for new customers and its all backed by a 24/7 customer support line. Or you can shoot a message to their social media accounts if you’re more of a social media fan. If you were worried about the financial burden of taking on another expense, you can arrange a premium payment plan as well.
GEICO: Best Auto Insurance
Everyone is familiar with the little green gecko and the hilariously modern cavemen, but are you familiar with Geico’s impressive customer service record? Geico has repeatedly been applauded for their high customer satisfaction—even though they lack physical branches with agents you can meet face to face. Although that may be a dealbreaker for some consumers, you might be happy to know that this cuts down on the costs of coverage. Geico offers many discounts, such as a Good Student discount and an Emergency Deployment discount. Even if you don’t have a pristine driver’s record, you’ll be likely to find coverage with Geico.
Farmers Insurance: Best Home Insurance
Whether you’re a new homeowner or you’ve been chipping away at your mortgage for some time, you need to have homeowners insurance. An untimely flood, quake, or any other natural disaster to wreck your property and home insurance help alleviate the cost of repair. Farmers Insurance is our pick for the best homeowners insurance around. If you can get over the inconvenience of a nuanced online quote system and an inability to purchase insurance online, you’ll be pleased by what Farmers has to offer. You can receive discounts on everything from the age of your home to your own age. While Farmers’ competitors also offer condo insurance, they can’t compare to the comprehensive information and assistance Farmers provides.
Blue Cross Blue Shield: Best Health Insurance
We chose Blue Cross Blue Shield because it provides health insurance in all 50 states. Some companies fall flat when it comes to nationwide coverage. Technically, Blue Cross Blue Shield is made up of 39 insurance companies, and most of them have earned an outstanding review by the esteemed A.M. Best insurance company rating agency. Blue Cross Blue Shield has health insurance plans for every budget and is accepted in almost every medical office.
In the end, does it even matter?
Perhaps the most important part of making an informed decision about most insurance policies is the quality of the agents. Look into an insurance agency’s history for any changes in what they have to offer, and pay close attention to an agency’s financial ratings and what the Better Business Bureau has to say. And since a good agent will help you find the best policy, check out the reviews for the local branches of these national agencies.
