This page is dedicated to answer the most frequent question about insurance or anything else on our customers minds. Zipper is not an insurance professional but has direct contact to our agency and is more than qualified to solve most insurance problems.
1. How are insurance rates determined?
Answer: Insurance rates are based on many factors such as driving experience, credit score, population density, driving records, and surprisingly the stock market. Most insurance companies invest the premium we pay. If their investments are successful we experience what the industry calls a soft market or lower rates. If they experience losses on their investments, rates could increase. There are many other factors that determine price such as loss ratios, state regulations, etc. This is a subject that could have its own web page. But who would want to read it. Sorry, insurance rates are a part of life.
2. Why should I buy insurance from an Independent Agent rather than a direct carrier?
Answer: Independent agents have been servicing customers for over 100 years. Sure there are other options in purchasing your insurance needs. But, an independent agent can offer more selection to tailor your coverage. Independent agents represent more than one insurance company. The agent will compare your policy with all of its carriers to find the best combination of price and service. Your agent will help you with your claims, billing notices, and coverage questions. Don't be fooled by the 15% savings buying direct. Call an independent agent and compare for yourself. You might be surprised that the savings are with the independent agents.
3.Your turn, ask zipper anything on your mind. From sports, insurance,weather, news, etc.? He will respond to all of his email within 24 hours.