Our Licensed and Experienced Agents:         

  • 1. Take the time to understand your needs and priorities.

  • 2. Check for all discounts and price savings

  • 3. Help educate you on types of coverages best suited to you.

  • 4. Shop a multitude of insurance companies to find the best fit.

  • 5. One-stop shopping for a full range of products Ė home, auto, business, life, and pretty much everything else.

  • 6. Treats you like a person, not just another number

  • This process takes time and effort to complete, but our clients are worth the effort! With over 30 companies to pick from, we can find that perfect fit. Finding you the lowest cost tailor made package is our goal. Regardless of your history, we'll find the plan that is the right solution for you. We've got you covered. 

     

  • How can I save money on auto insurance?

  • 1. LET US SHOP AROUND
    Prices vary from company to company, so it pays to let us do the shoppping for you.
    You buy insurance to protect you financially and provide peace of mind. Donít shop by price alone. Ask friends and relatives for their recommendations. Pick an independent agent representative that takes the time to answer your questions.

    2. BEFORE YOU BUY A CAR
    Before you buy a new or used car, check into insurance costs. Car insurance premiums are based in part on the carís price, the cost to repair it, its overall safety record and the likelihood of theft. Many insurers offer discounts for features that reduce the risk of injuries or theft. To help you decide what car to buy, you can get information from the Insurance Institute for Highway Safety (www.iihs.org).

    3. ASK FOR HIGHER DEDUCTIBLES
    Deductibles are what you pay before your insurance policy kicks in. By requesting higher deductibles, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by 15 to 30 percent. Going to a $1,000 deductible can save you 40 percent or more. Before choosing a higher deductible, be sure you have enough money set aside to pay it if you have a claim.

    4. REDUCE COVERAGE ON OLDER CARS
    Consider dropping collision and/or comprehensive coverages on older cars. If your car is worth less than 10 times the premium, purchasing the coverage may not be cost effective. Auto dealers and banks can tell you the worth of cars. Or you can look it up online at Kelleyís Blue Book (www.kbb.com). Review your coverage at renewal time to make sure your insurance needs havenít changed.

    5. BUY YOUR HOMEOWNERS AND AUTO COVERAGE FROM THE SAME INSURER, OR IS BUNDLING ALWAYS THE CORRECT ANSWER?
    Many insurers will give you a break if you buy two or more types of insurance. You may also get a reduction if you have more than one vehicle insured with the same company. Some insurers reduce the rates for long-time customers. But it still makes sense to let us shop around! You may save money buying from different insurance companies, compared with a multipolicy discount.

    6. MAINTAIN A GOOD CREDIT RECORD
    Establishing a solid credit history can cut your insurance costs. Most insurers use credit information to price auto insurance policies. Research shows that people who effectively manage their credit have fewer claims. To protect your credit standing, pay your bills on time, donít obtain more credit than you need and keep your credit balances as low as possible. Check your credit record on a regular basis and have any errors corrected promptly so that your record remains accurate.

    7. TAKE ADVANTAGE OF LOW MILEAGE DISCOUNTS
    Some companies offer discounts to motorists who drive a lower than average number of miles per year. Low mileage discounts can also apply to drivers who car pool to work.

    8. SEEK OUT OTHER DISCOUNTS
    Companies offer discounts to policyholders who have not had any accidents or moving violations for a number of years. You may also get a discount if you take a defensive driving course. If there is a young driver on the policy who is a good student, has taken a drivers education course or is away at college without a car, you may also qualify for a lower rate.

    When you contact us for your quotes, inquire about discounts for the following:*

    Antitheft Devices
    Auto and Homeowners Coverage with the Same Company
    College Students away from Home
    Defensive Driving Courses
    Drivers Ed Courses
    Good Credit Record
    Higher deductibles
    Low Annual Mileage
    Long-Time Customer
    More than 1 car
    No Accidents in 3 Years
    No Moving Violations in 3 Years
    Student Drivers with Good Grades

This process takes time and effort to complete, but our clients are worth the effort! With over 30 companies to pick from, we can find that perfect fit. Finding you the lowest cost tailor made package is our goal. Regardless of your history, we'll find the plan that is the right solution for you. We've got you covered. 

 

Benefits Planning 

       Our promise to you is; we strive to define and meet objectives and ensure an organized complete approach to fulfilling your benefit needs.  Working with us means you have an advocate on your side with the ability to shop for the best benefits.  We will educate you on your options, help you to understand the plans available to you, and select the best plan to maximize your benefits while staying within your budget.  We have the resources and access to the best plans that will protect you, your family, or your company.  We will always be here to support any of your benefit needs and to assist you with any questions that you have. Contact us today to find out what your options are.

Enrollment Services

       We have access to the some of the most experienced enrollment services in the nation.  From Hospitals to Northrop Grumman to Hunt Oil we have experienced it all.  We have the ability to plan your next enrollment in any of the 50 states.  Put our experience to your work for you today.

Logistics Planning

  1. Provide you with a detailed schedule of events leading to the enrollment.

  2. Present insurer choices, develop criteria for insurer selection, and assist with final selection.

  3. Prepare brochures personalized for your employee group.

  4. Coordinate with the chosen insurance carriers for payroll interface.

  5. Confer with Human Resources to establish enrollment logistics.

  6. Provide employee information to the selected life insurance carrier.

Enrollment and Communication

  1. Prepare the materials necessary for the enrollment, including brochures, payroll stuffers, enrollment forms, and other printed materials.

  2. Coordinate the scheduling of each location.

  3. Conduct the group supervisor sessions and enrollment interviews.

  4. Meet with the Personnel and Payroll Departments to assist with questions concerning the program and the deduction process.

Administration 

  1. Provide the payroll deduction report.

  2. Ensure delivery of the policies to your employees.

  3. Ensure the payroll center understands the deduction and remittance process.

  4. Conduct annual re-enrollments.  

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