How important is your insurance agent? More important than you might think. When you go to purchase car insurance, homeowners insurance or life insurance…where do you begin?
First you need to find a local agent. They know the area you live in and the type of risks and/or what can effect your insurance policies.
Now it’s time to check references. Have they been referred to you? Do they have a good rating with the Better Business Bureau? Do they belong to professional associations like the IIAB? How many Insurance companies do they represent? Chances are if they represent several insurance companies – big insurance companies find them reputable and trustworthy to represent their insurance products. Does the Independent Insurance agent offer A+ companies like Travelers, Safeco, Progressive and the Hartford? The answer should be yes. You want a stable insurance company that has been in business a long time and is stable. This way in the event you have any insurance claims to recover, they will pay.
Next step is getting a quote. A good agent will quote your insurance apples to apples. This way you can see if you are truly saving money. Some not so good agents will leave off coverages you currently have and need, to make it appear as though they are saving you money. You don’t want that. You want a good agent that will explain coverages thoroughly before you make your decision.
You also want an Independent Insurance Agent that works for you. This way if your rates go up significantly they can quote you in the other companies they represent to get you the same or better coverage at a good rate. When your agent is appointed to 10 or more A+ companies that is good for you, the customer. This way you can stay with an agent you are comfortable with and trust. In this case, you won’t have to provide a new company with all your information and take a chance on not getting quality customer service.
Do your homework. You don’t want to find out you chose the wrong agent when you go to put in a claim for a loss and realize you do not have the appropriate coverage. Here is an example: You’ve always had coverage on your homeowners policy for you engagement ring. You loose your ring and your new policy has general jewelry coverage of $1000. Your ring is worth $10,000. You have a $500 deductible. You are now out a ring and will only get $500 for your claim. A good Insurance Agent would have added a rider to your policy for the ring and made sure you had a current appraisal on the ring.
Take your time when shopping for Car Insurance, Homeowners Insurance, Renters Insurance and Life Insurance. These are important decisions that you must make with the help of an experienced, trustworthy Insurance Agent.
Sure , you probably have auto,home and life insurance but do you have an umbrella policy to protect your assets? You have worked so hard to build a life for yourself why not protect it. A personal umbrella policy can help protect your future from the unknown. Make the call today to ensure you and your family are protected. Call Freedom Insurance Group at 215-673-0300 or visit our website at freedom4insurance.com
Why not make your life simplier? Did you know you can have all of your auto, home, renters, life and umbrella insurance needs met with one call to Freedom Insurance Group? We are the single source for all of your insurance needs in Pennsylvania. Call 215-673-0300, stop by 3308 Grant Ave in Philadelphia, PA or log on to www.freedom4insurance.com.
Freedom Insurance Group, Inc. is currently celebrating their 10th year in business in the Grant & Academy Shopping Center. Freedom Insurance Group is an independent agency focusing on automobile, home and life insurance. Owner Anita Allegrezza has over 25 years of experience in sales, service, and operations in the insurance industry. They have knowledgeable professionals who really listen to you, answer all of your questions, and help you choose the right coverages for your individual situation. Just one call to Freedom Insurance Group and a consumer can get quotes from over 10 A+ rated insurance companies, saving you time and money. Saving money is just the beginning. They continually review their customer’s policies every six months to ensure they are getting the best coverage at the best price. Check out their “Money Saving Checklist” online at freedom4insurance.com to see if you are getting all the discounts you deserve. Call today for a free quote to see how much money you can save. Like Freedom Insurance Group on Facebook for a chance to win an emergency roadside kit during the month of February. Also feel free to stop in on Friday’s in February for cookies and cocoa. Freedom Insurance Group can be reached at 215-673-0300.
If you have the misfortune of being involved in an auto accident make sure you have the necessary information to help your claim process quickly and correctly. You should have your insurance information and registration in your vehicle. Be sure to exchange insurance information with all involved. You want to copy the other people’s name, name of insurance company along with policy number, write down the date and time and location of accident. If you have a camera or phone take pictures of the accident. If you have any questions, as always, feel free to call 215-673-0300 we are here to help you.
Is your car ready for Jack Frost? Some things to consider to be ready for the winter months are checking the fluids in your car, be aware of your fuel gauge. Have a scraper ready for the windshields. Check your tires pressure and tread to ensure quick braking time and good traction. Having a blanket, snack and water bottle would also help if you are stuck in traffic. Be kind to your cars battery allow extra time for your car to warm up before you go on your travels. Be alert, be cautious and most importantly, be safe.
What do you do to make your community a better place? Freedom Insurance Group, Inc. sponsors various schools and athletic associations so kids can enjoy a safe, fun and enjoyable childhood. Our staff has volunteered for numerous organizations such as schools, clubs, safety venues and community programs. Do what you can to make a difference or change in your area!
Is your teen ready to begin the driving process? Some ways to save money on your premium is to enroll them in a certified drivers education program. Check out cars that are considered more safe than others. Their grades also factor in the premium. If you child has a B average they will be eligible for a good student discount. Curious about what your young drivers premium will be? Call one of our friendly, supportive agents and get your quote today. Call 215-673-0300 today!
Insurance companies can rate all licensed drivers in the household, the policyholder and his or her spouse, and other household members, whether or not they are related by blood. This includes roommates. As a result, insurers generally base their premiums on all household members. Insurance companies base auto rates on a variety of factors. The premium you pay consists of a “base rate”. This rate is affected by the year, make and model of your vehicle. It also includes your zip code as well as driving habits and driving record. The drivers age, gender and other discounts make up these rates. Be sure to call Freedom Insurance Group Inc, and one stop shop for your insurance needs. One call to 215-673-0300 will get you a quote with 15 A+ rated companies to best suit your insurance needs and budget.
When searching for auto insurance, there are a few things that go into a person’s rates, such as their zip code, their driving record (tickets, accidents and DUI’S), the amount of miles you drive, credit score, education level (and grades), occupation, the safety features your car has (airbags, theft device and antilock brakes), the type of coverage you select, the amount of your deductibles and any additonal discounts that may be applicable to you.