You can't miss the phrase "free insurance quotes" all over Internet. Yet when was the last time you paid for your insurance quotes?

It is simply an industry practice to offer free insurance quotes, but what does it mean anyway?

Don't think that there aren't instances where you actually pay for your insurance quotes indirectly. In reality it is not really the insurance quotes that you are paying for, you are actually paying for the services of a professional who may charge you for his time and expertise to do a comprehensive risk analysis for you. Which in fact refers to your "free insurance quotes"... or shall we say; your paid insurance quotes. There may well be an incentive for you to pay for your comprehensive insurance analysis.

Here's why; people don't recognize that insurance policies overlap with each other (i.e. your homeowners insurance may include some overlapping sections with your auto insurance) where an insurance professional can manage these overlapping sections to increase your coverage and can actually decrease your premiums. Of course, this should not restrict you from getting free insurance quotes. But you should realize that you're actually paying more in the long run while you may not even have the proper coverage for your valuable belongings.

And of course it should also be brought to your attention that professionals who can coordinate your comprehensive insurance analysis may not even charge you for their know-how if your intentions are to buy your insurance policies from them. Which subsequently in turn your free insurance quotes will really become free.





Gurhan Gary Demirkan is a member of eSuremenow.com; a network of highly experienced and prominent insurance agents throughout America providing insurance analysis and specializing in implementing diverse insurance plans towards basic or complex insurance needs. You can call us at 703-490-4119 and contact our insurance professionals as well.