and Experienced Agents:
1. Take the time to understand your needs and
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
6. Treats you like a person, not just another
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.
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.
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.
contact us for your quotes, inquire about discounts for the
Auto and Homeowners Coverage
with the Same Company
College Students away from Home
Drivers Ed Courses
Good Credit Record
Low Annual Mileage
More than 1
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.
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.
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
Provide you with a detailed
schedule of events leading to the enrollment.
Present insurer choices,
develop criteria for insurer selection, and assist with final
Prepare brochures personalized
for your employee group.
Coordinate with the chosen
insurance carriers for payroll interface.
Confer with Human Resources to
establish enrollment logistics.
Provide employee information
to the selected life insurance carrier.
Enrollment and Communication
Prepare the materials
necessary for the enrollment, including brochures, payroll stuffers,
enrollment forms, and other printed materials.
Coordinate the scheduling of
Conduct the group supervisor
sessions and enrollment interviews.
Meet with the Personnel and
Payroll Departments to assist with questions concerning the program
and the deduction process.
Provide the payroll deduction
Ensure delivery of the
policies to your employees.
Ensure the payroll center
understands the deduction and remittance process.
Conduct annual re-enrollments.