If you’ve read some of our previous blogs, you know that getting the best insurance relies on quality, in-depth research. Without that research, you still might be able to secure a good deal, but you’re leaving your financial future in the hands of fate. For that reason, we find that most people prefer the research route because it allows them to take control of their own destiny (and that route begins with free insurance quotes). Here’s how to make the most of that free workers compensation quote.
3 Steps to Help You Make the Most of Your Free Workers Compensation Quote
1. Just Because It’s Cheap Doesn’t Mean It’s the Best
While it may be tempting to immediately side with the company offering the cheapest, free workers compensation quote; we have to warn you that cheap isn’t everything. Insurance, like any product you buy, is on a value system. If you buy something on the cheap side, you will probably get cheaper build quality. If you buy something that is more expensive, you may end up with more features than you want or need (and your wallet will feel significantly lighter). You want a policy that is in the Goldilocks zone (one that’s just right) and offers you the protection you need at a price you can afford. As a contractor, you need a company that understands that a one-size fits all policy will not work for you (because your needs are unique) so make sure the provider you choose is flexible.
2. Go With the Experienced Company
Amateur hour might be funny in some industries, but when it comes to your insurance you don’t want to have to experience the shortcomings of an inexperienced company. To find an experienced company look for recent reviews of that company. If reviews are generally negative, you may want to abandon that company (even if it is cheaper) for a more reputable one. That way you will always have the peace of mind that your insurance company has your back. All you have to do is research those companies after you are given your free workers compensation quote.
3. Meet with Your Provider
You don’t start a relationship with someone without meeting them first and you should not get into a relationship with an insurer before meeting them. Meeting with the company will give you a better idea of who they are and help you determine whether or not you want to place your trust in that company. If the shoe fits, then your research is over and you can begin (what we hope will be) a long lasting relationship with your new provider.
Getting a free workers compensation quote is a great place to begin your research but, it is just that, a beginning. To fully understand which company will provide you with the best policy we suggest you find an experienced, well-reviewed company that is willing to adapt their policies to best suit your needs. For more information please follow this link. If you have any further questions about a free workers compensation quote please feel free to give us a call at 1-800-649-9094. We look forward to hearing from you!