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413.536.8386 (fax)
150 Lower Westfield Road
Holyoke, MA 01040


4Jan. 2017

If It Sounds Too Good To Be True…

I am sure the phrase "if it sounds to0 good to be true..." isn't lost on you.  If you were young at one time and came home and told your parents that there is a great deal up the road on a new car AND it is dirt cheap AND he will deliver it AND he will throw in a brand new tree car freshener AND he will vacuum it - your parents replied with "what is the catch."  You, then, may have become instantly defensive (you are 17 after all and know everything) and started arguing this man's case like his life depended on it, even though you aren't even sure you remember his name.  Then it happens - one of them looks at you and says the words "honey, if it sounds too good to be true, it probably is."  Then you went into full melt down mode because NO ONE in your house understands and they are all just Debbie Downers.

Fast forward 20 years and you can see clear as day the error of your ways.  While you are now killing it at adulthood, you understand what your parents were trying to teach you back then.  The truth is, if we aren't careful, it is easy to get sucked into these "good deals" even now that we are supposed to know better.

The insurance world is no different.  There is no lack of advertisement when it comes to insurance companies and it isn't all bad, but I want to remind you of a very important phrase.  One that you should keep in the forefront of your brain when watching these ads thinking how green the grass looks on their side of the fence, and that is this - "if it sounds too good to be true, it probably is."

We care about you as a client and a consumer.  We want you to make informed decisions so here are some tips to navigate the world of green lizard and "that girl" insurance advertisement waters:

  • Read the fine print.  Well, that is if you can.  It is so little and only on the screen for a short amount of time.  That small print is a wealth of information!  It may be telling you that everything you just heard is 100% completely accurate, OR it could be saying you only qualify if you are standing on a certain rock on the equator with one foot while balancing an egg on a spoon.  Which brings us to out next tip...

  • Ask questions.  Ask as many as you can think of! This is especially important if you are calling due to an advertisement and want all the bells and whistles they promised.  Remember, nothing is ever truly free so be sure to find out just how much all those bells will cost you in the end.

  • If you are getting a quote and it comes out A LOT less than what you have you may want to ask "why?" Look at what they are proposing and be sure you are getting all the packages and coverage you currently have.  The last thing you want is to get in an accident and "think" you have accident forgiveness and find out they took it off and you never knew. Or that new car replacement has some guidelines and your car may not actually qualify.

  • Remember, your local insurance agency is here to help.  We can give you the same types of deals but with the added convenience of being local.  I admit, some of these commercials are great!  They are funny (of course a talking "lizard" is funny) and talk a lot about coverage perks they offer but I haven't heard them mention out loud that it could cost you anything.

If you are looking for a new insurance agent, please call Ross Insurance at 413-536-8380, we would be glad to help you! Remember, whether you are shopping around for insurance or just casually watching TV,  the wise old saying - "if it sounds too good to be true, it probably is."


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