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Why Allied? There are many reasons to choose Allied Insurance for your
Turkey fryers - from Underwriters Laboratories Read more on Turkey Fryers safety
Tips for trimming car insurance costs Saving money by reducing the cost of insuring your vehicle can be a simple thing. As costs for auto repairs, medical expenses, theft claims and injury lawsuits rise, you can save money on your auto insurance by following these tips:
One easy way to reduce your premiums is to increase your deductibles so that you assume more of the risk for small claims. However, be sure to set your deductibles at limits you can comfortably afford, since you will have to pay for those smaller claims out of your own pocket if an accident occurs.
To keep costs down, keep your car in good working condition and drive with care. Traffic violations and accidents can raise your premiums.
It costs less to insure autos that have less chance of being stolen and are less expensive to repair. A higher safety rating may also reduce your premium. If you are in the market for a new car, call your agent to discuss the cost to insure the model you are considering.
As your car ages, you may not need as much insurance. Call your agent to discuss ways you may be able to reduce coverages and save premium dollars.
Changing circumstances may make you eligible for lower rates. Keep your agent informed of changes such as getting married or no longer insuring a young driver.
Community Insurance and Dedication For over 46 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 46 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.
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.
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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