You're Buying Insurance All Wrong ---- Here's What You Should Be Doing Instead.

When most people shop for insurance, they go about it completely backward. They focus on getting the lowest premium possible, clicking through online quotes, or bundling coverage without really understanding what they’re buying. Then, when disaster strikes, they’re left holding the bill for something they thought was covered.

At Jamie Slate Agency, we see it all the time. People don’t realize they’ve made a mistake until it’s too late. Here’s where most people go wrong—and how you can avoid these costly missteps.

1. Prioritizing Price Over Protection

It’s tempting to pick the cheapest policy available, but that’s like buying the least expensive parachute—you don’t want to find out too late that it doesn’t work. A low-cost policy often means minimal coverage, high deductibles, or exclusions that leave you exposed. Instead of asking, “What’s the cheapest option?” ask, “What coverage do I actually need to protect my home, car, or business?”

2. Assuming “Full Coverage” Means Everything Is Covered

“Full coverage” is a misleading term. Many policies have gaps—like lack of flood protection for homeowners or limited liability on auto policies. Always read the fine print and ask questions. An agent can help you understand what’s missing and whether you need endorsements to fill those gaps.

3. Not Updating Policies as Life Changes

Your insurance needs change as your life evolves. Bought a new car? Expanded your home? Started a side business? If you haven’t updated your policies in a while, you might be underinsured without realizing it. A quick check-in with your agent ensures your coverage still fits your needs.

4. Thinking You Don’t Need an Agent

Online quotes make buying insurance seem easy, but they can’t replace expert advice. Insurance policies are complex, and small details can make a big difference when it comes time to file a claim. A quality insurance agent works for you, not the insurance company, ensuring you get the right protection—not just a quick policy.

5. Underestimating the Importance of Liability Coverage

Lawsuits are more common than you think. One serious accident or injury on your property could cost hundreds of thousands of dollars. Yet, many people opt for state-minimum auto liability or low-limit homeowners policies, putting their assets at risk. Higher liability limits and an umbrella policy can provide crucial financial protection.

Get Insurance the Right Way—With Us

If any of these mistakes sound familiar, don’t worry—you’re not alone. The good news? You can fix them today. At Jamie Slate Agency, we help Oklahomans get insurance the right way: with the right coverage, the right guidance, and no nasty surprises when you need to file a claim.

Let’s review your policy and make sure you’re truly protected. Call us today or request a free consultation! (580)-786-4771 Text (580)-467-4391