Insurance—AnImportant Part Of A Financial Plan (NAPSA)—Financial independence. To some, it can mean having the resources to do what you want, when you want. To others, it’s peace of mind knowing that you have a solid plan in place to achieve your goals. And while it may not be your first thought when reviewing your portfolio, insurance plays a large part in helping to guarantee your financial stability. Not sure if you’re adequately protected? You don’t have to figure it out on your own— help is as close as your neighborhood independent agent or broker. Insuranceis important because it provides protection in the event the unexpected happens. And while the level of protection you choose is important, so is what you pay for it, since prices can vary from company to company. Take auto insurance, for example. Car insurance rates generally rise a little every year. In 2003, the latest year for which data are available, the average annual auto insurancebill for a single-car policy was $821. Regardless of what you're paying for yourpolicy, it’s important to know that rates vary from company to company and that you could save hundreds by simply shopping around. With so many products to choose from, it’s easy to get overwhelmed. Relax. An independent agent or broker can help eliminate someof the confusion by: Providing professional counsel. Determining what type of policy is right for you depends on many factors, including your budget, the amount of coverage you need, and the services you expect from your insurance company. Berealistic; the worst experience is to have a claim but not enough coverage. ADEQUATELY PROTECTED? Insurance plays a large part in helping to guarantee your financial stability. Customizing a package for you. Licensed to represent multiple insurance companies, an independent agent or broker can do the shopping for you. After reviewing your situation, he/she can provide you with personalized service and expert advice by comparing similar products offered by various companies. And because your agent sells different companies’ products, he/she can pick and choose from companies that specialize in the coverages you need. Saving you money. An independent agent or broker is right there in your neighborhood. When something about your personal situation changes—you get married, divorced, buy a new car— check in with him or her. Chances are, by representing manydifferent companies, these life changes can create a savings opportunity for you. You can find an independent insurance agent or broker near you by looking in the Yellow Pages or by visiting driveinsurance.com.
