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Should I Check My Insurance with the New Year? Wheat Ridge, CO


As we step into the new year, it’s a good time to give your insurance a checkup. Yep, just like your health, your insurance needs attention too. I know, it sounds boring, but trust me, it’s important. Let’s break it down, keeping it simple.

1. Review Your Policies:

Take a look at your insurance policies. That means car, home, health, life–all of them. Check what’s covered and what’s not. Sometimes, life changes, and your policies need to catch up. If you got a new car, make sure it’s on the insurance. If you bought a house, your homeowner’s insurance might need adjusting. Make sure your coverage matches your current life.

2. Check Those Deductibles:

Deductibles are the amount you pay before your insurance kicks in. Lower deductibles mean higher premiums, and vice versa. Figure out what you can afford. If you can handle a higher deductible, you might save some bucks on your premiums.

3. Bundle Up for Savings:

Ever heard of bundling? If you get different policies from the same company–like home and auto–you could save some cash. Companies like it when you’re loyal.

4. See if You Qualify for Discounts:

Are you a safe driver? Do you have a security system in your home? These things could get you discounts. Companies love to reward good behavior.

5. Update Your Information:

Life changes. Maybe you moved or got married. Let your insurance company know. Updating your info helps you get the coverage you need. If there’s a gap, you might be in trouble if something goes wrong.

6. Health Insurance Check:

Look into your health insurance. Is your plan still good for you? Are your doctors still in the network? Check if your prescriptions are covered. You don’t want surprises when you need to see a doc.

7. Life Insurance Reality Check:

Life insurance is like a safety net for your family. Review your coverage. Make sure it’s enough to help your loved ones if something happens. Life changes, so your life insurance should too.

8. Emergency Fund Planning:

Think about creating an emergency fund. It’s like your financial superhero cape. If something unexpected happens, like a big medical bill or a car repair, this fund can save the day. It’s smart and responsible.

9. Get to Know Your Agent:

Your insurance agent is an insurance guru. If you don’t understand something, ask them. They’re there to help. Knowing your agent is a good idea because when things go south, you’ll have someone to guide you through the mess.

10. Compare and Contrast:

Shopping around is key. Don’t stick to the same insurance forever. Companies change, and so do your needs. Get some quotes, see what’s out there. You might find a better deal, and who doesn’t love a good deal?

11. Understand Your Coverage:

Insurance lingo can be confusing. Take the time to understand what you’re paying for. You don’t want to be scratching your head when something happens. Knowing your coverage is like having a map that shows you where you’re covered and where you’re not.

12. Stay Informed:

Insurance rules change, just like everything else. Keep yourself in the loop. Read about insurance trends and updates. It might sound dull, but it’s your shield against financial disasters.

Remember, insurance is your safety net. It’s not about living in fear, but being smart. The new year is a fresh start, and making sure your insurance is on point is a responsible move. So, grab a cup of coffee, sit down with your policies, and give them the attention they deserve. Your future self will thank you.

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