It’s easy to embrace technological advances such as tablets, notebooks and Smartphones in almost every aspect of our lives. While you might not immediately make the connection, insurance has been fast to adapt to this increasingly digital age. To make the most of your insurance policies and management and their integration with your technology, follow these easy steps.
- Compare insurance rates online. Comparing rates online is a great way to test different data and options and see how premiums might respond. For example, by comparing rates online not only can you find which insurers charge the least for the coverage options you need, but you can also see how a higher deductible or lower deductible will affect your premiums. After that, you can contact an insurance agent in order to make the actual purchase and ensure that all the options you chose and are appropriate for you. Agents also know which insurers have more generous underwriting standards for various situations, which makes them even more invaluable.
- Use your phone for proof of insurance. Many states are allowing drivers to show proof of their auto insurance policies through their smart phone. Find out if your state allows this and, if it does, under what circumstances.
- Complete a home inventory. There are many Smartphone and tablet apps available that will allow you to conduct a home inventory that can not only make your home insurance policy more accurate but also the claims process easier and more efficient.
- Keep digital copies of your policies. There once was a time when you needed to keep paper copies of all of your insurance policies in a fireproof location. Now, you can keep electronic copies of your policies on your computer and a backup or thumb drive. Then all you need do is keep your thumb drive or backup drive in a separate location so that you can access it if your home is involved in a disaster. In addition to keeping your policies on the drive, you also keep other important documents. And remember, if your insurance company doesn’t provide electronic policy copies you can always scan the paper policy.
These are just some of the ways that you can merge your digital toys and your Oklahoma City insurance. For more tips and to get insurance quotes and policy reviews, give us a call at ECI Agency today.