Frequently Asked Questions

As independent agents, we are able to choose from many different insurance companies, not just one.  That lets us shop around for the best policy at the lowest price. Many of the companies we partner with spend less money on advertising and have more competitive pricing.  That means more money in your pocket!

Good question!  The companies we use are some of the largest in the nation.  They are all solid, reputable companies.  According to this article  here are the rankings of some Property & Casualty companies we use:  

• Progressive Insurance is the 3rd largest in the USA
• Allstate is the 4th largest in the USA
• Liberty Mutual Company is the 5th largest in the USA
• Travelers Insurance is the 6th largest in the USA
• Farmers is the 9th largest in the USA
• Nationwide  is the 10th largest in the USA
• Hartford Insurance is the 13th largest in the USA  
• Auto-Owners is the 17th largest in the USA

A deductible is the portion of a claim you pay before the insurance kicks in.  So, for example, if it will cost $3,000 to get your car fixed and you have a $500 deductible, you pay $500 and the insurance company pays $2,500.

An important thing to realize is that you can choose between several different deductibles. Lower deductibles (i.e. $250 or $500) will cause your insurance premiums to be higher.  Higher deductibles (i.e. $1,000) will cause your insurance premiums to be lower. 

Good for you!  We want to make sure you get the best deal.  If it is not with us, that is okay.  It is very, very important that you understand what the insurance quote covers. Anybody can give you a quote with a lower price by reducing the amount of insurance coverage you have.  Make sure you are comparing the same amount of coverage.  Most insurance agents are honest people, but there are a few who are not.  Please make sure you trust your agent and do your homework. 

It seems each year health insurance gets more and more complicated.  The good news and the bad news is that you have lots of options. Give us a call and we will be happy to review the Medicare Advantage, Supplemental, and Prescription Drug plans we sell.

Each year, during open enrollment (October - December), our offices have weekly Medicare meetings to help you understand the products we sell.  Those classes are open to anyone who is new to Medicare or has an existing plan and is interested in changing it. 

You are not mean!  Your time is valuable. We know sometimes people just want a quote to see if it is even worth their time to come talk to us.  We have an online tool you can access by clicking the link below.  Enter your information and you will get a quote.

We do like to talk with people in order to understand your situation.  We find that some people are over-insured or under-insured or aren't clear about their coverage.  Talking to you helps us select the best plan for you.  We don't believe in high pressure sales pitches. We have had clients that we think could get a better deal elsewhere, and we have told them to get a quote.  It doesn't happen a lot, but if it does, we let you know.  We want you to be happy.  We'd prefer it is with us, but if it is not, we're glad we were able to point you in the direction to save you money.