Auto-Owners Insurance
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Showing posts with label Auto Quotes. Show all posts
Showing posts with label Auto Quotes. Show all posts
Tuesday, April 2, 2013
Tuesday, January 8, 2013
Monday, November 5, 2012
Customer Satisfaction Reviews of Auto-Owners Insurance Auto Insurance | Insure.com
Customer Satisfaction Reviews of Auto-Owners Insurance Auto Insurance | Insure.com
It is my privilege to once again inform you we received confirmation from J. D. Power and Associates we have been recognized “Highest in Customer Satisfaction with the Auto Insurance Claims Experience, Five Years in a Row.”
It is my privilege to once again inform you we received confirmation from J. D. Power and Associates we have been recognized “Highest in Customer Satisfaction with the Auto Insurance Claims Experience, Five Years in a Row.”
Thursday, May 31, 2012
When Should I File An Insurance Claim?
When Should I File An Insurance Claim?
www.carlisleinsagency.com
To pay out of pocket or file an insurance claim; the answer is not always clear.
You purchase insurance for life’s unexpected events and you trust your independent insurance agent to help you find the right coverage for the best price.
By definition an insurance claim is a request to an insurance company to pay for a loss. This claim initiates an evaluation process to determine if the loss is the responsibility of the requested insurance company. However, keep in mind that the purpose of insurance for consumers is to protect them from financial disaster, not small expenses.
There are no set rules on when to file a claim although the guidelines below can help you evaluate your individual situation. It is always a good idea to consult with your agent. Remember – he/she is there to look out for your best interest and may have more information that may affect your decision.
DO file if …
It is a BIG claim. Experts agree it is not wise to make small claims, although they disagree on what small means. To some that is $500. Others say $1,000. It will depend on what you can afford to pay out of pocket.
You have not had recent claims. Filing a single claim might have no effect on your auto or homeowners premiums.
Injuries are involved. If there is a chance someone else in the incident could claim they were injured, file a claim to protect yourself from an injury lawsuit.
You have had the policy a while. Longtime customers who make few or no claims generally get more leniency than new customers who file claims.
DO NOT file if …
Your deductible is higher than the value of your claim. Your deductible is the amount you have to pay before your insurance kicks in.
You have had other recent claims. Filing several claims in the same year might trigger an increase, Hubbard said. So, if you are facing numerous claims, you might want to pay one of the smaller ones out of pocket, she said.
www.carlisleinsagency.com
When Should I File An Insurance Claim?
It is always a good idea to consult with your independent insurance agent.
5/31/2012
Insurance Claims
|
You purchase insurance for life’s unexpected events and you trust your independent insurance agent to help you find the right coverage for the best price.
By definition an insurance claim is a request to an insurance company to pay for a loss. This claim initiates an evaluation process to determine if the loss is the responsibility of the requested insurance company. However, keep in mind that the purpose of insurance for consumers is to protect them from financial disaster, not small expenses.
There are no set rules on when to file a claim although the guidelines below can help you evaluate your individual situation. It is always a good idea to consult with your agent. Remember – he/she is there to look out for your best interest and may have more information that may affect your decision.
DO file if …
It is a BIG claim. Experts agree it is not wise to make small claims, although they disagree on what small means. To some that is $500. Others say $1,000. It will depend on what you can afford to pay out of pocket.
You have not had recent claims. Filing a single claim might have no effect on your auto or homeowners premiums.
Injuries are involved. If there is a chance someone else in the incident could claim they were injured, file a claim to protect yourself from an injury lawsuit.
You have had the policy a while. Longtime customers who make few or no claims generally get more leniency than new customers who file claims.
DO NOT file if …
Your deductible is higher than the value of your claim. Your deductible is the amount you have to pay before your insurance kicks in.
You have had other recent claims. Filing several claims in the same year might trigger an increase, Hubbard said. So, if you are facing numerous claims, you might want to pay one of the smaller ones out of pocket, she said.
Monday, February 27, 2012
Personal Or Commercial Car Insurance: Which Is Right For You?
Personal Or Commercial Car
Insurance: Which Is Right For You?
(NAPS)—If, like many
Americans, your family car is also used for purposes that could be considered
commercial use, you may want to steer yourself into a chair and look over your
insurance policy.
You’ll need to consider
buying a commercial policy or making sure that your existing personal auto
policy covers the vehicle for business use. Whether or not you need a
commercial policy depends on how you use your vehicle and what company you have
it insured with. Every company has different guidelines and may surcharge for
business-use coverage on a personal auto policy.
If you’re not sure whether
business use is covered on your personal policy, it’s important to call your
insurance company or agent. The Progressive Group of Insurance Companies has
put together these four questions you may want to ask:
§
How do companies determine commercial use? One definition could include “engaging in
transporting goods for compensation or a fee,” which includes pizza or
newspaper delivery, catering, door-to-door consulting services, landscaping or
snowplowing services, logging business, day care/church van services or
farm-to-market delivery. People who do these kinds of work should consider
purchasing a commercial vehicle policy.
§
Do you need more liability coverage than a personal
auto policy provides? Generally, a
commercial auto policy offers higher limits of liability, but less or no
coverage in areas that are typically not associated with commercial auto risks.
§
Do you need special coverage for situations encountered
while conducting business? Commercial
auto policies usually offer these coverages, and they’re normally not available
with personal auto policies. These include hired and nonowned auto coverage and
coverage for towing a trailer for business use.
§
Do you need to list any employees as drivers? Commercial auto policies allow you to list anyone
that you employ. You don’t have that option with a personal auto policy. In
general, you’ll need commercial auto coverage if the vehicle you use is owned
by a corporate partnership or driven by employees, or if it’s used to haul
tools or equipment weighing more than 500 pounds, make deliveries or heavy
enough to require state or federal filings.
For more information about
commercial auto insurance, visit progressiveagent.com. www.carlisleinsagency.com
Did You Know?
If, like many Americans, your
family car is also used for purposes that could be considered commercial use,
you may want to steer yourself into a chair and look over your insurance
policy. For more information about commercial auto insurance, visit
progressiveagent.com.
Friday, January 13, 2012
Shedding Light On Car Insurance Savings
Carlisle Insurance Agency
659 E. Main St. Suite A
Jackson
Shedding
Light On Car Insurance Savings
It can be easier than you think
to put the brakes on high auto insurance rates – as an independent agency; Carlisle
Insurance Agency can help! We can review your policy and possibly help you find
a variety of illuminating ways to save money. Here are some things you may want
to consider:
• Ask us to check several
companies’ rates. This is the single most important thing you can do to get the
best possible rate—and we can do it for you quickly and easily. The difference
between the highest and lowest rate available to you from different companies
could vary by hundreds of dollars.
• Reduce or drop physical damage
coverage on an older car. Depending on your car’s age and where you live,
comprehensive and collision coverage may not be worth keeping. We can give you
advice on whether it makes sense to reduce or drop this coverage altogether.
• Raise your deductible. According
to the Insurance Information Institute, raising your deductible from $200 to
$500 could reduce your collision and comprehensive cost by 15 to 30 percent. In
addition, because the average driver files a collision claim only once every
ten years, odds are that over the lifetime of your car, a higher deductible
will save you money. We can show you how raising your deductible will lower
your premium.
• Look for discounts. Many
insurance companies reduce premiums for certain driver traits or car features.
For example: being a homeowner for more than three years, nonsmoker,
nondrinker, students with good grades, senior citizens who have taken an
approved defensive driving course, people who only drive for pleasure, cars
kept in garages, antilock brakes, antitheft devices, air bags, etc. Ask us to
check.
• Don’t assume having your car
and home insured by the same company is the best option. Because auto insurance
rates vary so much from company to company, it may make sense for you to have
your car and home insured by separate companies. Let’s talk about it.
To learn more about all an
independent agency can offer you, call Carlisle Insurance Agency at
740-286-5031 or visit www.carlisleinsagency.com or www.progressiveagent.com.
Michael Carlisle
Carlisle Insurance Agency
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