Clark Howard: An easy way to compare insurance policies

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Shopping for any kind of insurance is a pain. But what if there were a way to get rate comparisons emailed to you and no unwanted phone calls from pushy agents?

Too many people don’t shop for insurance of all kinds because they’re afraid of having to deal with salespeople. Or they don’t want to deal with the reality that they will die. Or they think insurance is too complicated. So they do nothing — and leave themselves or their families unprotected.

That’s where a website like PolicyGenius.com comes in. With PolicyGenius.com, you do a brief registration and then you answer a questionnaire that takes about 3 or 4 minutes. Some of the questions can be pretty intrusive, but you want to answer honestly so you can get the right quotes.

What kind of insurance quotes can you get? Level term life insurance, disability insurance, renter’s insurance and even pet insurance.

You can have quotes emailed to you and nobody will ever call you, unless you want them to.
With disability insurance, did you know you’re three times more likely to become disabled than die during your working lifetime?

And on the subject of renter’s insurance, it’s among the most under-purchased products. Some landlords will require you to have renter’s insurance, though that’s very rare. The policy you get must have replacement value coverage for your belongings and relocation assistance should your place become uninhabitable.

The platform PolicyGenius has developed is good, light years ahead of the insurance industry. So if you know you should be protecting family and you’re looking for quotes, check it out.

– Clark Howard — Save More, Spend Less, Avoid Rip-offs — for the Atlanta Bargain Hunter blog

Consumer expert Clark Howard’s column appears here each Thursday in conjunction with Deal Spotter, a weekly print section in The Atlanta Journal-Constitution. Find more answers to your consumer questions at Clark’s website.

Follow Atlanta Bargain Hunter Nedra Rhone on Facebook | Twitter | Email.


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