We have all heard the advice “knowledge is power,” and in the personal insurance world, this is very true. The more information we have as your personal insurance agent, the better and more competitively priced your personal insurance will be. Keep this in mind as you prepare for your agent to quote your personal insurance.
Here Is the Good News
We will do all the heavy lifting for you. All you need to do is have your information ready to give to your agent. This may be information you already have at your fingertips, or information that is listed on your current personal insurance policies. Then, we will do all the rest for you.
Now if you were going to try to apply for insurance online, the process is much more complex. Not only would you have to know what information you need, but also how and where to use it to obtain the most competitive personal insurance products.
We understand how the different personal insurance products are designed to work for you. We offer a complete range of personal insurance products designed to meet your specific needs. Each of these products can be purchased separately, or in some cases can be combined based on your needs.
Auto Insurance - to protect your personally owned vehicles.
Flood Insurance - protects your home from floods.
ATV Insurance - provides coverage for off-road vehicles.
Boat and Marine Insurance - Insures your watercraft for liability and hull damage.
Collector Car Insurance - older collector cars require special insurance.
Condominium Insurance - protects your investment and personal property.
Earthquake Insurance - covers loss due to an earthquake.
Homeowners Insurance - provides coverage for your home and personal property.
Mobile (Manufactured) Home Insurance - coverage designed for manufactured homes.
Motorcycle Insurance - similar to auto insurance but for motorcycles.
Personal Umbrella Insurance - provides added limits above your primary liability coverage.
Rental Property Insurance - coverage designed for vacation rentals or other rental income property.
Renters Insurance - for people who rent but still need liability insurance and coverage for personal property.
Keys to Getting the Best Price on Your Personal Insurance
Use an independent agent. An independent agent has a number of advantages going for them. Find an agent who has experience with the kind of insurance you need. Your agent should be licensed and have an office you can visit if needed.
Benefits of Independent Agents:
They are not employed or controlled by any one insurance company.
These agents have access to dozens of markets.
They are locally owned; which means they live and work in your community.
When you call the office of an independent agent, you can talk to a licensed professional who cares about you.
Independent agents are a one-stop-shop for all of your personal insurance needs.
You get a choice of products and insurance companies that best suits your needs.
They not only find you competitively priced personal insurance, but they also make sure you have coverage that is designed for your individual situation.
Be honest concerning your personal information – Agents are held to strict confidentially standards. We will never share your personal information with anyone with your permission.
Provide Information to Your Agent
There will be some necessary information needed for your agent to provide options for you. This information will vary based on the kind of personal insurance products you desire. Here are some of the types of information you may need to provide:
Description of home
Any repairs or upgrades
Current condition and amenities
Age of roof and furnace, etc
Family health history
Vehicle use and description
Remember, knowledge is power. Therefore, the more information your agent has the better pricing and coverage they will provide for you.
Let the Agent Do Their Job
At this point, the agent will search the market for the best possible combination of coverage, price, and services. Now that your agent knows you, they can match your needs with the many insurers they work with. For example, some insurers prefer insuring senior citizens, while others may specialize in insuring motorcycles. Your agent will match you to which insurer fits your needs.
Your agent will review the top quotes and provide you the best ones based on your needs, pricing, and coverage.
Your agent will review the options, including items like payment options, deductible options, limits, specific coverage enhancement, or limitations in the coverage. Your agent may also provide other kinds of coverage like flood or earthquake insurance.
Once you have made your decision, your agent should provide the necessary information for you to make a payment, proof of insurance issued to the right parties, auto ID cards, and finally the policy.
Finding competitive personal insurance is not difficult, and our agency is ready to help you find whatever kind of insurance you may need. We are local, licensed, and will always place your needs first. Give us a call to find out how we can provide you with the best combination of coverage price, and services.
LCK Insurance Agency is one of California's most prominent independent insurance agencies. They offer commercial business insurance, employee benefits, life & health insurance, and personal insurance.
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Leap | Carpenter | Kemps Insurance Agency provides Commercial Business Insurance, Employee Benefits, Life and Health Insurance, and Personal Insurance to all of California, including Merced, Atwater, Los Banos, Mariposa, Madera, Fresno, Modesto, Turlock, and Stockton.
CA License Number 0646081 | Licensed to do business in California, Arizona, Hawaii, Idaho, Montana, Nevada, North Carolina, Oklahoma, Oregon, Virginia, West Virginia and Washington.