Insurance Quotes

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Insurance Quotes

LOS ANGELES, July 16, 2015 /PRNewswire-iReach/ — Autocarsinsurancetips.com has released a new blog post explaining what auto insurance quotes are and how to find low cost coverage!

Photo – http://photos.prnewswire.com/prnh/20150714/236263

Comparing car insurance quotes is the best method for finding low cost coverage prices in just a few minutes. Clients can compare multiple policies on a single website. Auto insurance quotes show how much a plan will cost and what coverage it offers. By comparing multiple quotes, clients can make advantageous purchases.

Finding online and instant car insurance quotes is not difficult. A single website provides free brokerage services. By visiting http://autocarsinsurancetips.com and completing an online form, drivers will be able to get the best offers in their area. The website also has an extended blog section where clients can read more about auto insurance.

A car insurance quote shows some important details about a plan:

1. The price. A quote shows how much a plan would cost someone. The rates are adjusted for every visitor so that clients receive accurate information.  It is important to note that the premium costs will usually increase after taxes have been calculated.

2. The coverage amount. An auto insurance quote will also display how much coverage a plan will provide. The benefits are used for covering car repairs and it is very important to buy enough coverage.

3. The type of auto insurance. There are three types of auto insurance: liability, collision and comprehensive. An auto insurance quote will always tell drivers what type of coverage a certain policy provides.

4. The agency that sells the plan. Finally, a quote is issued by an agency and the provider’s name has to appear. All the online car insurance quotes are selected from major agencies that sell coverage in the client’s area.

By comparing multiple car insurance quotes, clients can reduce their coverage expenses by more than 50%. Comparing online auto insurance quotes is free and accessible to any driver who lives in the United States.

“Auto insurance quotes are an important tool for comparing policies. A simple price comparison can reveal great offers and the best discounts someone can qualify for.”  said Russell Rabichev, Marketing Director of Internet Marketing Company.

Autocarsinsurancetips.com is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to  offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

For more information, please visit http://autocarsinsurancetips.com.

Media Contact: Russell Rabichev, Internet Marketing Company, 800.475.3410, mbogdan@internetmarketingcompany.biz

News distributed by PR Newswire iReach: https://ireach.prnewswire.com

SOURCE Autocarsinsurancetips.com, link here.

Independent Insurance Agent

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Independent Insurance Agent

Independent insurance agent, also known as insurance sales agents or “producers”, typically sell a variety of insurance and financial products, including property insurance and casualty insurance, life insurance, health insurance, disability insurance, and long-term care insurance.

Property and casualty independent insurance agent sell insurance policies that protect individuals and businesses from financial loss resulting from automobile accidents, fire, theft, storms, and other events that can damage property. For businesses, property and casualty insurance can also cover injured Workers Compensation Insurance, product liability claims, or medical malpractice claims.

Independent insurance agent typically represent a number of insurance companies, or “carriers”, and sell the products that most appropriately meet the needs of their clients. Independent agents typically are very well trained and knowledgeable of the complexities of the insurance market and insurance law.^[1] Their expertise allows them to advise their clients about appropriate amounts of insurance and insurance coverages for their particular needs. Often, independent insurance agents will work with insurance intermediaries, which obtain quotes from multiple insurance providers and passes them off to the independent agent. Working with an insurance intermediary service allows the independent agent to review many quotes and offer their clients the best policy options available. For their efforts, independent agents are paid a commission (remuneration).^[2]

In addition to insurance policies, independent insurance agent often sell mutual funds, annuities, and products that address wealth management, retirement and estate planning. Independent agents must be licensed by the states in which they sell insurance and financial products.^[2]

There are a number of major trade organizations that support the interests and needs of the independent insurance agent, including Agents For Change,^[3] The National Organization of Life and Health Agents (NOLHA),^[4] the Independent Insurance Agents & Brokers of America (The Big “I”),^[5] and the National Association of Professional Insurance Agents (PIA).^[6]

Independent agents are independent contractors for the insurance companies they represent. Several companies may authorize the agent to sell for them, but the agent remains an independent businessperson. While the agent collects commissions, they do not collect a salary from the companies they represent. On average, independent agents work with thirteen property and casualty and six life and health insurance companies on a regular basis.^[7]

Independent agents own and control their accounts, policy records, and renewals. If an independent agent’s contract with a particular insurance company terminates, the agent retains the rights to active accounts and may place them with another insurer.

Competition exists between exclusive agents and independent agents. Exclusive agents, who are salaried employees of the insurance company, write a majority of the personal lines business.^[8] However, because of the complexities involved in commercial risks, independent agents capture approximately 80 percent of the commercial lines market.^[9] It is having access to multiple markets that gives independent agents a competitive advantage in commercial lines.

To add to an independent agent’s competition pool, many insurance companies are direct competitors to the agents they appoint. For example, Progressive Insurance spends nearly $300 million a year in advertising directly to the public. Yet, Progressive is the country’s largest writer of private passenger auto insurance through the independent agent distribution channel.^[10] Some examples of independent insurance agencies are Reliable Insurance, RISKPRO Insurance Agency,^[11] R&R Insurance Services and Premier Planning.

Home Insurance Lees Summit

816-489-7800

Get Multiple Home & Auto Insurance Quotes With One Phone Call.  We Represent Over A Dozen Insurance Companies.

Home Insurance Lees Summit

Home Insurance Quotes Lees Summit MO

816-489-7800

Get Multiple Home & Auto Insurance Quotes With One Phone Call.  We Represent Over A Dozen Insurance Companies.

Eight Tips For The Road Ahead

Be Safe, Be Smart On A Long-Distance Road Trip

Whether you’re traveling alone, with a buddy or with your spouse and a car full of kids, there are few things more “American” than the long-distance road trip. Countless vacation travelers will drive the highways looking for fun and making memories with every mile. If traveling down the “holiday road” is in your plans, take the time to prepare for your trip. You’ll have a more enjoyable vacation if you plan carefully. Here are a few driving tips, courtesy of Jim Hubbard Insurance:

1) Maintain your car. Make sure your vehicle is up to date on its maintenance schedule, and be sure to check the battery and tires home insurance quotes lees summit mo.

2) Plan your trip and know where you’re going. Call ahead for proper and safe directions to get you to your destination safely and have maps of the area on hand to help you navigate once you are off the main road. You’re more likely to make good decisions, home insurance quotes lees summit mo even in dangerous situations, if you’re clearheaded and know where you’re going.

3) Be alert. Seems obvious, but driver inattention is surely the cause of a lot of accidents. If you stay focused behind the wheel and plan carefully, you will have a wonderful summer road trip home insurance quotes lees summit mo.

4) Take precaution with a cell phone. Cell phones can be a lifesaver when you need immediate home insurance quotes lees summit mo access to emergency services after an accident. Keep your phone within easy reach and get to know its features. However, use it prudently. Reports suggest that driving while talking on the phone increases accident rates.

5) Wear your seat belt. Whether or not it’s required by law in the state through which you’re driving, always wear your seat belt as a safety precaution home insurance quotes lees summit mo .

6) Protect your car against theft. Help deter criminals from taking your car with steering wheel locks, home insurance quotes lees summit mo switches that disable fuel or ignition systems, and electronic tracking devices.

7) If you’re in an accident. Taking immediate steps if you’ve been in an accident can protect your family and your car from further damage. Stop immediately and make sure your car is not blocking traffic. Turn off your car to keep it from overheating or catching fire. Warn oncoming cars using road flares or orange triangle reflectors. After you have protected yourself and your family, call your insurance company immediately home insurance quotes lees summit mo.

8) Make sure your auto insurance is up to date. Before you even leave the driveway, you want to be sure you’re protected when you’re on the road and far from home. An independent insurance agent or broker can provide the personal service and advice you need to travel in confidence home insurance quotes lees summit mo.

To learn more about what an independent insurance agency offers you, visit progressiveagent.com or contact Jim Hubbard Insurance.

home insurance quotes lees summit mo

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Get Multiple Home & Auto Insurance Quotes With One Phone Call. We Represent Over A Dozen Insurance Companies.

Home Insurance

Home insurance is a key part of a smart financial plan.

Your home is your greatest asset. Whether your home is a house, townhouse, mobile home, apartment, or a personal condo, you can protect your residence and the precious belongings inside with the right MetLife Auto & Home^® insurance policy. Coverage for landlords and renters is also available.

Policies provide*:

• Coverage for the contents of your home, such as furniture, clothes, and TVs
• Damage to your property resulting from many covered causes including lightning, fire, smoke, windstorm and theft¹
• Liability coverage for judgments, court fees and legal defense expenses from lawsuits resulting from injuries anyone sustains on your property
• Superior 24/7/365 claim service

MetLife Auto & Home insurance also provides superior 24/7/365 claim service.

From burglary to storms, MetLife Auto & Home’s homeowners insurance has your residence covered — inside and out.

If your home or its contents were damaged or destroyed by unfortunate covered events, such as a windstorm/tornado or hail, fire, theft, or vandalism, subject to its terms and conditions, a home insurance policy from MetLife Auto & Home^® can provide you with money to:

• Repair your home
• Rebuild your home
• Replace lost or damaged property

We make sure you can restore your house—and your life—with quality homeowners insurance from MetLife Auto & Home.

Home insurance policies are backed by the financial strength of MetLife Auto & Home — so you can count on us to be there when you need us most.

When the unexpected occurs, home insurance from MetLife Auto & Home provides you with comprehensive coverage for a number of scenarios.

Take advantage of flexible payment plans, including ExpressIT^® which conveniently deducts homeowners insurance payments from your bank account. Available payment plans vary by state

816-489-7800

Get Multiple Home & Auto Insurance Quotes With One Phone Call.  We Represent Over A Dozen Insurance Companies.

Home Insurance Independence MO

SCHEDULED PERSONAL PROPERTY INSURANCE – HOMEOWNERS INSURANCE INDEPENDENCE MO

What’s the point of having nice things if you have to worry about losing them?

Protect the worth of your cherished items by adding a scheduled personal property endorsement to your homeowners policy.

Protect the things that matter to you

Look around your house. What are the items that are most precious to you? Your home insurance independence mo generally covers the contents of your home. However, there are specified limits on certain items such as jewelry, paintings, antiques, collections, musical instruments and silverware. For broader protection of your most valuable items you may want to add a scheduled personal property endorsement to your homeowners policy. You can do this by making a list of your cherished possessions that may need more coverage than your current policy provides.

What if something bad happens

If there is damage to your covered items or if they are stolen, you can be confident knowing you are fully covered. And more good news, there is no deductible with this insurance.

Coverage that fits your needs

A scheduled personal property endorsement is tailored to meet your specific needs. The name of this insurance may not exactly roll off your tongue, but knowing it’s in place can certainly help you sleep better at night.  When shopping for home insurance independence mo be sure to contact an independent agent that can shop around and make sure you are getting the coverage you need while still saving you money.  Home insurance independence mo.

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Get Multiple Home & Auto Insurance Quotes With One Phone Call.  We Represent Over A Dozen Insurance Companies.

Insurance Lees Summit MO

Insurance Lees Summit MO

A trip in an RV shouldn’t ruin your marriage … or your day

 Mistakes happen, especially when you’re somewhere unfamiliar, but the results of a recent survey may still surprise you.

 The survey found that among RVers, a spouse is more likely to be accidentally left behind than the dog.

 A leading RV insurer, The Progressive Group of Insurance Companies, surveyed more than 1,000 RVers countrywide to uncover amusing mishaps they’ve experienced while traveling.

 The survey found that the most common blunders made while traveling are:

•driving away with the steps extended;

•backing into something;

•misjudging overhead or side clearance space;

•not connecting taillights correctly; and

•running out of gas.

 The survey found that 53 percent of RVers spend a month or more each year traveling the open road, and 42 percent travel more than 500 miles per trip.

 Traveling the open road in an RV can be a great adventure, but sometimes it gets a little bumpy. That’s why RVers were also asked about their insurance. When mishaps happen, you want to get back on the road fast—ideally with all of your passengers on board.

 Only 28 percent bought a stand-alone insurance policy with specialized RV coverages. In fact, 54 percent simply added their RV to their auto policy, and 14 percent didn’t buy any RV insurance.

Although mishaps can sometimes be funny, they can also lead to costly damages. Simply adding your RV to your auto policy can leave you woefully underprotected. It’s important to know what coverages are available to adequately protect yourself and your vehicle.

“There are huge differences in coverage and services from companies that specialize in RV insurance,” says Cathy Pelfrey, RV product manager at Progressive. “Check with your local independent insurance agent or do research online so that you buy the policy and coverages that are right for you.”

Insurance Lees Summit MO

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Get Multiple Home & Auto Insurance Quotes With One Phone Call.  We Represent Over A Dozen Insurance Companies.

Insurance Quotes Lees Summit MO

Time is money: Save both 

Saving 5 cents a gallon on gas is great. But, if you have to drive 20 minutes to get to the station, is it really a savings? If a deal costs you valuable time, it’s not a deal at all. The same holds true with auto insurance quotes lees summit MO. 

Bargain-basement policies can gobble up your time if you have to file a claim. You can spend up to four days calling repair shops, getting estimates and arranging for a rental car.

Remember, insurance quotes lees summit MO isn’t just about price. It’s about service, too. The concierge level of claims service offered by Progressive can cut the claims/repair process from four days to only 15 minutes.

“You may think the most stressful part of being involved in an accident is the crash itself. But, that’s just the beginning,” said Craig Moore with Progressive. “We’ve come up with an easy, time-saving way to manage repairs.”

Simply drop off the damaged vehicle at a service center and a claims representative handles the entire claims/repair process for you. Repairs are guaranteed for as long as you own or lease your vehicle.

Here’s how the concierge level of claims service works:

• Report the claim. Call or go online to report the claim. A claims rep will schedule a time to bring your vehicle to the service center.

• Drop off and go. In about 15 minutes, you can be on your way in a rental car. Your rep prepares an estimate and then contacts a repair shop. When the work is finished, the vehicle is returned to the service center.

• Pick up your vehicle. You’re contacted when the vehicle is ready. You inspect the repairs and leave with a written guarantee on the work.

Think about all aspects of insurance quotes lees summit MO before you buy, especially the time you’ll spend if you have a claim. For more information, visit www.progressiveagent.com.

816-489-7800

Get Multiple Home & Auto Insurance Quotes With One Phone Call.  We Represent Over A Dozen Insurance Companies.

Insurance Agent Lee’s Summit MO

8 Reasons to Use an Independent Insurance Agent

First off, what is an Independent Insurance Agent?
There are two kinds of insurance agents, Captive Agents and Non-Captive, or Independent Insurance Agents. There is a big difference! Insurance Agent Lee’s Summit MO

Captive Agents are committed to one insurance carrier, like AllState or State Farm, and are restricted to selling that one company’s product line. They cannot shop around for other opportunities that may better suit consumer needs. To a captive agent, the parent company comes first. Insurance Agent Lee’s Summit MO

On the other hand, Independent Insurance Agents are open to offering their customers multiple product lines, which may include The Hartford, Safeco, or Travelers. This broader selection offers more resources to find coverage that best suits your personal situation. To an independent agent, the customer comes first. Insurance Agent Lee’s Summit MO

Do you trust your finances with someone who is more concerned about their company than with you? Of course not! You will sleep better knowing an Independent Insurance Agent is on your side. Insurance Agent Lee’s Summit MO

An Independent Agent:

1. Is a value hunter – they look for the best combination of price, coverage, and service. Insurance Agent Lee’s Summit MO
2. Offers one-stop shopping. With one call or visit, you have access to multiple lines of coverage for all your needs. Independent agents vary, but most offer a full range of auto, home, rental, business, life, and flood products. Insurance Agent Lee’s Summit MO
3. Is committed to customer satisfaction – their livelihood depends on it. Insurance Agent Lee’s Summit MO
4. Treats you as a person – not a number. Insurance Agent Lee’s Summit MO
5. Becomes your consultant/advisor for the present and future – helping you to protect your valuable assets.
6. Provides personalized claims service. No need to navigate a phone chain – Your independent agent can contact your insurance carrier directly to help smooth out the claims process. Insurance Agent Lee’s Summit MO
7. Listens. How better to help determine your needs? Insurance Agent Lee’s Summit MO
8. Has strong community ties. Look around you – PTA, Rotary, and Chamber of Commerce. Chances are your local insurance agent is right beside you building a stronger community. Insurance Agent Lee’s Summit MO

We offer Home Insurance, Auto Insurance, Renters Insurance, Boat Insurance, Motorcycle Insurance, Homeowners Insurance, and Car Insurance. Insurance Agent Lee’s Summit MO

816-489-7800

Get Multiple Insurance Quotes With One Phone Call. We Represent Over A Dozen Insurance Companies.

Insurance Agency Lees Summit MO

8 Reasons to Use an Independent Insurance Agent

First off, what is an Independent Insurance Agent?
There are two kinds of insurance agents, Captive Agents and Non-Captive, or Independent Insurance Agents. There is a big difference!

Captive Agents are committed to one insurance carrier, like AllState or State Farm, and are restricted to selling that one company’s product line. They cannot shop around for other opportunities that may better suit consumer needs. To a captive agent, the parent company comes first.  Insurance Agency Lees Summit MO

On the other hand, Independent Insurance Agents are open to offering their customers multiple product lines, which may include The Hartford, Safeco, or Travelers. This broader selection offers more resources to find coverage that best suits your personal situation. To an independent agent, the customer comes first. insurance agency lees summit mo

Do you trust your finances with someone who is more concerned about their company than with you? Of course not! You will sleep better knowing an Independent Insurance Agent is on your side.

An Independent Agent:

1. Is a value hunter – they look for the best combination of price, coverage, and service.
2. Offers one-stop shopping. With one call or visit, you have access to multiple lines of coverage for all your needs. Independent agents vary, but most offer a full range of auto, home, rental, business, life, and flood products.
3. Is committed to customer satisfaction – their livelihood depends on it.
4. Treats you as a person – not a number.
5. Becomes your consultant/advisor for the present and future – helping you to protect your valuable assets. Insurance Agency Lees Summit Mo
6. Provides personalized claims service. No need to navigate a phone chain – Your independent agent can contact your insurance carrier directly to help smooth out the claims process.
7. Listens. How better to help determine your needs?
8. Has strong community ties. Look around you – PTA, Rotary, and Chamber of Commerce. Chances are your local insurance agent is right beside you building a stronger community.

Why use an independent agent?

Let’s face it: Insurance can be a complex subject. Many consumers have questions about insurance that they are hesitant to ask. When it comes to protecting your family and assets no question should go unasked, no matter how basic it is.

An independent insurance agent is able to provide the personal attention to ensure that the host of circumstances that may impact your insurance needs are considered. They also have the expertise to answer your questions and will take the time to make sure you understand all aspects of your policies. insurance agency lees summit mo

They know you, your family and your business

Since an independent agent often represents numerous insurance companies, they know exactly what options are available in the market. An agent will ask probing questions and make carrier and coverage recommendations tailored to your unique needs.

You may have a special need or may be eligible for unique discounts that only certain carriers offer. Good savings can be found – including discounts and credits on auto insurance for driving a hybrid vehicle, having multiple cars on a policy or being a good student – and agents can help you take advantage of these discounts. What’s more, you’ll have one main contact for all of your insurance needs. insurance agency lees summit mo

Remember, it’s not always about finding the lowest premium; it’s about having the coverage you need to protect your family, business and assets. Bottom line: there is nothing more valuable than a consultative agent who considers your interests when shopping for coverage. We are also located here in Lees Summit, MO and proudly serve the greater Kansas City area including, but not limited to Belton, Blue Springs, Grain Valley, Grandview, Greenwood, Harrisonville, Independence, Lake Lotawana, Lake Winnebago, Lees Summit, Peculiar, Pleasant Hill, and Raymore. insurance agency lees summit mo