Vaught Wright & Bond Insurance, Inc.

You hear it time and time again. You get what you pay for. Although there is an element of truth to it, it’s mostly a bunch of bull. There is so much to consider when purchasing commercial insurance, and the more you purchase the more it will cost, but there is still a need for value. I believe that some companies spend so much money on marketing, generally to convince you that they are cheap, that their rates need to be high to cover the cost of all this advertising. I won’t mention any names (or their mascots like lizards, ducks, or former television presidents), but generally an experienced independent agent can place you with a more customized product for a better premium.

Here are some real ways to save money and still get great coverage:

1. Retain higher deductibles. How often do you make claims anyway?

2. Trim unnecessary coverages. Your agent should help with this!

3. Install cost saving devices, such as burglar and fire alarms.

4. ASK YOUR AGENT!!! Your agent sees businesses every day and knows what drives up rates. Your agent also knows what specific coverages might be necessary (or unnecessary) to protect you and your business.

5. Package your coverage. You often can combine your policies to save.

6. Combine your personal auto coverage with commercial auto. It doesn’t always work, but when it can…

As agents, our primary goal is not to simply save you money. Our first goal is to protect you and your business, and then to spend your insurance dollars wisely. With that said, we are good at saving you money too!