Most of us hate pushy salespeople. We hate them so much, in fact, that we often avoid shopping altogether so we don't have to deal with these types who will tell us anything to separate us from our money.
Pushy salespeople, unfortunately, are a mainstay in the insurance selling market. They get a commission off of the insurance we buy, which gives them an incentive to sell us more insurance than we need. One experience with an overzealous insurance salesperson is often enough to make you want to forget that you were ever interested in insurance in the first place.
Making Insurance a Priority
As much as you might want to hide your head under a pillow and avoid confrontation, you really do need to make buying some types of insurance a priority. Health and car insurance are generally considered necessities these days, meaning that buying these policies is an American rite of passage.
There are a few ways to make your insurance purchasing experience as painless as possible. First, go online and research a number of different companies that sell the type of insurance you're looking for. The more you know about the insurance you need, the harder it will be for a salesperson to oversell you.
Once you are armed with knowledge, ask several companies for free insurance quotes. This tactic will keep you from having to get into lengthy discussions with salespeople, because you can claim that you are at the information-gathering stage, and aren't ready to discuss the nuts and bolts of a policy.
For an Accurate Insurance Quote, Tell the Truth
To get a health insurance quote, you will generally have to give out some personal health information. You need to be as honest as possible when giving out this information because many insurance companies require medical tests before giving out a policy. A car insurance quote is similar. A representative of the company will ask you about past car accidents and/or tickets. This information is in the public record, so it won't help you to lie about a past speeding ticket.
Online Insurance Quotes -- No Pressure
The advent of free online insurance quotes has enabled shoppers to avoid the pushy salespeople altogether. These days, you can just go straight to an insurance company's website, plug in the information they're looking for, and receive an automated quote tailored specifically to your situation. Online insurance quotes save a lot of time and enable you to find the best insurance deal around before being pushed into a bad deal by a smooth salesperson.