Practical Advice & Tips

When you combine your various policies with one company you receive many benefits. First of all you will receive a 10-20% discount on each of your policies. Next you may also receive a discount on a business policy or life insurance policy that you have through our office. Lastly it gives your agent the ability to provide a thorough review of all of your coverages. This allows us to give better advice to reduce exposures that may go unnoticed by you.

It is important to review your property values regularly. If they are not updated you could be underinsured which could cause a penalty in the event of a claim. We are always available to review your current coverages and give you our recommendation on how we can help to protect your current needs.

If you are looking for a way to decrease cost you may consider increasing your deductibles on property, vehicles, and health care depending on the situation. Every insurance plan can be tailored to meet your individual needs and risk tolerance. Insurance is rarely a one size fits all. We work one on one with our insureds to make sure they are comfortable with the plan they chose and are paying a fair price.

Many people believe that large carriers with the most advertising can always offer the best prices. This is very untrue; regularly we are able to save people up to 50% off their insurance premiums. This can be done by comparing plans with our competitive regional and national carriers. Many times we are able to increase coverage and decrease price.

Good service is only appreciated when you need help and no one is there. Many national carriers would have you believe that calling someone on the other side of the country in a call center is good service while you wait and wade through a confusing phone system. We believe in always answering your calls and a live person will help you when needed. We can offer quotes with coverages that will benefit you within 24 hours.

Insurers are regularly using credit history to price insurance products. So we recommend you order a credit report and work to maintain a good credit score. This allows us to help you get the best pricing available for your insurance needs.