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Community Insurance and Dedication For over 45 years, Community Insurance Agency has been dedicated to serving the community. As partners in the community, we’ve been there when our customers need us and they know they can count on us. We are dedicated to superior claims handling and always working to make it easier for our customers to do business with. As an independent agent, we have access to numerous companies which allows us to “shop” for the best insurance value for our customers. Our dedication to our customers is our top priority. Service is our most important policy. After 45 years in the community, we remain dedicated to being the agency you can count on. If you have questions about our dedication or would like us to go to work for you, please give us a call at 712 999 2288 or toll free eat 800 657 5681. We value the relationships we have built over the years and are dedicated to serving the community for many years to come.
What do customers really want? We understand customers. That’s why service is our most important policy. Consumers will shop their insurance due to price, but they will more consistently leave due to poor service. Poor service from their agency accounts for almost 80 percent of all policyholders who switch insurance. Here are some statistics: Why people shop for new insurance: Why people actually switch their insurance: Allied Customers: Be Aware of Phone Scam We were recently notified by Allied that several of their Iowa insureds had received a phone call from an individual claiming to represent Allied insurance. This individual advised the insured that their payment was past due and inquired if the insured would like to pay their bill by credit card or with a check over the phone. Since being notified, the Allied Service Center received a few calls from other insureds in other states advising they had received similar phone calls stating their insurance premium (not Allied specific) was past due. Please be advised that no one from Allied insurance will call direct to any insured to advise of late premium payments. Please do not provide any personal information, especially if you did not initiate the telephone call. Parental liability for children’s cars Often, parents want to take a vehicle off their policy, title it to the minor and have the minor on his or her own policy. They do it so other vehicles in the household do not get rated up for the 16-year-old driver and the parents’ assets are insulated from a lawsuit against the minor. While there might be rare exceptions and sometimes there is no choice, it is almost always better to insure dependent children on the family auto policy for legal liability and a variety of other reasons. Managing your money, get our finances in gear for the new year This time of year, thoughts turn to year-end financial matters: paying holiday bills, preparing your tax return and more. It’s also a great time to review the general state of your finances to see if you need to make any changes in the coming year. Many people don’t consider the importance of insurance in an overall financial plan. But the fact is, no matter how hard you work to build wealth, failure to purchase adequate insurance can be your undoing. On the other hand, paying for coverage you don’t need can also sap your budget. Finding the right balance can be a challenge. That’s why now is a good time to sit down with an independent insurance agent and review your needs. Think of an insurance agent as a vital information source, one that can help think through an individual situation and can put together a package of policies, coverage and price that meets specific needs. An independent agent can ask the right questions to help better determine the kind of insurance needed. Because an independent agent can check prices from many different companies, he or she can help get the maximum coverage at reasonable cost. What type of policy is right for me? How do rates from different companies compare? Are there other ways to save? Stop in to see if we can help you save money. How much is enough insurance? Insurance agents are often asked by clients, “How much is enough insurance?” Some agents answer, “I don’t know, as much as you can afford!” or “Get sued, get a judgment and then I can tell you!” The experts mostly recommend that the agency always quote higher limits than the insured buys and encourage them to consider raising their limits at each renewal. As one of the experts said, the average death award under an auto claim according to Jury Verdict Research was $1,004,500. More drivers without auto insurance In Iowa than health insurance Two recent studies showed Iowa as one of the best states in the union to buy auto insurance and health insurance. Low costs typically lead to more insureds. Iowa has 90.9% of its citizens covered with some form of health protection, and 88% of our drivers are insured. The interesting part of these studies shows that more people in our state have health protection than auto insurance. Yet, for some odd reason people in the state seem to think we have a health insurance problem in Iowa and we should change our laws to copy other states whose rates are higher. In Iowa 87 cents of every small group health insurance premium dollar goes to pay benefits, the most of any insurance product in the state. Think about that for a minute; compare that to any other line of insurance. For example, during 2005 the personal auto payout was 50.7 cents; homeowners was 44.8 cents and commercial general liability was only 35.4 cents. The reality is everyone uses health insurance. Health care costs are increasing, in part; because of today’s medical care is simply better, and people demand the best services. 70 is the new 40! It is true! An American male born in 1850 had a life expectancy of 40; by 1990 the figure had risen to 78 and today it is closing in on 80! Consider a couple who today is 65 years old. They have an 81% chance that they will reach 85, and a 25% chance of reaching 97. Community Insurance is proud to continue to be a part of a great
As passersby enter the Great Place of Coon Rapids from the east, they will soon have a new site to greet them. Courtesy of Community Insurance Agency, the Coon Rapids golf course is now home to a beautiful, lighted fountain. The fountain was donated in memory of life-long Coon Rapids resident, and avid golfer, Alan Johnston, who passed away in August of 2004. On a hot and steamy July afternoon, CIA agents John Hyland and Larry Schwenk enlisted the help of golf course manager Dan Clipperton in installing the fountain on hole number four at the course. Also helping out were two ambitious young men, Michael Schwenk and Jacob Esdohr, who were eager to dive in the pond to set the fountain in place. Of course, they were delighted when they started finding golf balls by the dozens. Once the electrical box is placed, the lighted fountain will run through the summer months from early morning until dark, reminding everyone what a great place Coon Rapids and its people really are.
Protect your home and identity Burglars who break into homes could be stealing more than your jewelry and electronic equipment. They may also be after a person’s identity. Insurance is now available for identity theft, providing reimbursement to victims for the cost of restoring their identity and repairing credit reports. Some companies include it as part of their homeowners insurance policy. Others sell it as a stand alone policy or as an endorsement to a homeowners or renters insurance policy. On average, these policies cost between $25 and $50 for $15,000 to $25,000 worth of coverage. |
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