As a musician, you probably don’t think about insurance very much. However, it can be important for you, especially if you drive very far for gigs. My old neighbor was a drummer and he used to drive up to 2 hours both ways for gigs that were far away. Granted, people in California drive a lot, but still. So anyway, here is some information about insurance for musicians.
There is an incredible number of types of policies, and the differences between them can be very confusing. Once you finish reading this article, you will better understand what insurance you need. Then, you can arrange a better deal on it.
Save money on insurance by bundling your insurance policies. The most common bundle you will come across is discounted home and auto insurances sold together.
Try to take all of your insurance needs into consideration together when you shop for insurance. You will get quotes that are easier to compare if you take bundling opportunities into account.
If you operate a small business, make certain that your insurance coverage is thorough enough. If your current policy does not fully protect you, you should consider additional insurance policies.
When lodging a claim, ensure that you provide all the information in a concise way, so that it can be considered quickly. Snap photos of the damage. Also, be sure to be honest and truthful, when you make stuff up this can come back to hurt you, and can actually result in you not getting paid at all.
To find the right insurance policy, you need to be aware of what the provider is selling you. Selecting the ideal insurance policy can leave you feeling quite confused, so you should never hesitate to seek more information from providers if it will help you make your decision. If you have a bad feeling about the advice they give you, or any sense that they’re not being totally honest, contact someone more knowledgeable than you for help.
Don’t settle without getting multiple quotes
When it comes to insurance, never take the first deal offered to you. You need to shop around. It’s very easy to simply stay with one company, but shopping around can be worth it. When you are purchasing a product that could differ in price by hundreds of dollars, it is definitely worth your time to shop around to get the best price.
If you can avoid filing small claims, you should do so. By fixing small things yourself, your premiums won’t jump later. Also, if you go an extended period of time without a claim, your provider is likely to reward you with a discount. If something more serious happens, the coverage will still be there.
Before signing up with an insurance company, see to it that you check its reviews. Many states will let you compare rates across companies, which will help you make the best choice possible.
Your state will have an insurance agency who can help you to compare information on various insurance companies. Each state has an agency that oversees all of the insurance providers in that state. If insurance premiums are raised significantly, the provider must report and justify the change to the appropriate regulatory agency. Go on the Internet where you can find public records from the insurance companies.
Talk to your family and friends to learn about their experience with all different insurance companies. Find out more about their experiences and avoid the companies that have caused problems.
Often times insurance companies will offer their clients discounts for having more than one insurance policy with them. Compare their offer to those you found online; it might be cheaper somewhere else.
If something happens…
If your car is towed to a yard after an accident, do your best to have it removed from there as soon as possible. Don’t put this off because the impounding fees will become quite large. Insurance companies do not pay these fees, so you’ll be on the hook for them.
Don’t forget to utilize the Internet to broaden your search for insurance quotes. Check out Insurance4Less.org to get multiple quotes at one time. It’s quick and easy. You don’t even need to give any personal information. Then you’ll be in an excellent position to know the type of prices you’ll see when trying to make a choice. Online quotes aren’t guaranteed, though, and will likely require filling out a more detailed application accompanied by a medical exam.
Although the wide range of available insurance choices can be confusing, the advice in the preceding article should help you decide which policy is best for you. If you have more information, you can easily get great deals on any insurance.
You can find more information to help you succeed in the music industry here.