If you answered no to that question, then it’s time that you are. When shopping for insurance, especially if it’s online, 
you are making important decisions about your coverage that you more than likely have no idea about. It’s normal to want to find ways to cut costs on your bill, but that may also result in you cutting out the coverage that you should really have. So before you do that, you need to take the time to understand exactly why you have the current coverage that you have.
So, my advice to you is to visit with your local insurance agent and let them know about the competitive quote you received online and the coverage you would be paying for. Ask questions about why there is such a difference in price, if there is, and why. Have your agent explain to you what you have for coverage and if there is a way to lower some of the limits or raise deductibles to reduce your bill. It’s good to know if you can risk removing or reducing a specific coverage to save you money in the long run or if you will end up paying more out of pocket in the event of a loss. Also, ask if there are any discounts that can be applied for additional savings.
Surprisingly, the average consumer has no idea to as what types of coverage he or she should have. They only see that the minimum limits of coverage will save them money at the time. But no one knows of the risks they run for out-of-pocket expenses in the event of an accident or a loss. Here’s a common scenario that occurs when it happens. Remember poor “Jerry“? Exactly. 
You can watch all the funny commercials about insurance, but none of them will educate you about your coverage. But, your local insurance agency can do that. Take the time to talk with your agent. The bottom line is this… If you’re purchasing cheap insurance, IT IS cheap insurance. Nothing good comes out of cheap coverage at the time you need it.
Here at Donald J. Medeiros Insurance Agency our goal is to try to help our viewers by suggesting solutions for many different situations. By no means can we address each reader’s specific concerns in every incident. We strongly advise to check with a representative to address your specific needs. However, you can contact us for any insurance questions or concerns and we will be happy to help you. We offer a very competitive line of auto insurance, homeowners insurance, renters insurance and commercial insurance for all of Massachusetts, Rhode Island and New Hampshire. If you have a Facebook account, you can get a quote right on our Facebook page. Come and visit us at http://www.facebook.com/donmedeiros.