How do you obtain a quick and reliable online auto insurnace quote in Littleton Denver Colorado without having 20 agents calling you?

1. Try calling or emailing an independent agent: Have your information ready to provide. It is a good idea to get your previous Declarations page to compare coverages.

2. Try faxing/emailing a declarations page for your auto and home to 5 different agencies. Include your DL and Dob to avoid repeated call backs. This puts the informaiton in the agents hands and you dont have to relay everything

3. Try a quote rating system like Esurance or Quickquote. Often times the information gets sold to several agents so this can create a great deal of call volume, however, it is effective in relaying informaiton

4. Try and walk into a local independent agencies office and get a quote over the counter. The old fashion way!

These are a few quick tips on how to get a quote from a local independent insurance agent in Denver Littleton Colorado.

www.rickclineagency.com
303-932-1700

What coverages does this provide?

1. General Liability $2 million
2. Product Liability $1 million
3. Property Damage Liability $1 million
4. Hired and Non Owned Auto $1 million

Tool coverage is optional. You can purchase a $1,000,000 Umbrella and commercial auto insurance. If you have employees, we can assist you with Work Comp.

Contact an agent that is independent and represents Colorado Casualty Insurance

www.rickclineagency.com
303-932-1700

Are  you looking to get ahold of Progressive Auto Insurance?  You can start by going to their website at

www.progressive.com

Or, call

1-800-PROGRESSIVE

If you are already a policyholder, you can click this link to register your policy online.

https://onlineservice3.progressive.com/ols/OnlineServices.aspx?page=AccountServices.ApplicationStart&OfferingId=OnLineServices&SessionStart=TRUE&TitleID=Register

Thank you for choosing All Access Insurance

www.rickclineagency.com

303-932-1700

Here in Colorado we have seen the perfect storm over the last couple of years. Tremendously high hail counts, a poor financial market, increased policy coverages and a long run on insurance companies lowering premiums to gain market share.

Lets break these down further.

1. Hail losses: 2009 and 2010 were severe loss years for Hail and Wind in Colorado. If it wasn’t hailing in your neighborhood, rest assured it has been hailing in others. Millions of dollars have been paid out on catastrophic losses as the direct result from covered perils Wind and Hail. Despite deductibles at 1k or higher, insurance carriers have had to replace most roofs in the Denver Metro Area.
2. Poor Financial Market.  Typically insurance companies can run loss ratios a bit higher then they would like if they are able to offset their loss with revenues generated from their investments.  When they are not getting the returns they would want for this offset, it results in a negative impact to shareholders or investors
3. Policy Coverages.  Over the years that I have been an agent, I have seen companies offer more and more coverages on a home policy.  Fire and Wind/Hail would be a given here in Colorado but now carriers offer identity theft, sewer backup, frozen plumbing, Increased coverages on Jewelry etc.  These additional coverages are enticing to clients that would rather file a claim then to eat their loss.  More coverages equals more claims and if the premium is too low for the amount of coverages, then we have yet another negative impact on loss ratios.
4. Lower premiums.  Many insurance companies both existing and new to Colorado have been competing for your business.  Not just on auto but on home.  There is a standard market premium that in theory would be what an insurance company should charge based on their overall risk.  This “mendoza” line that the industry sets has been somewhat ignored and premiums have been lowered to gain market share.  This is risky business when we have hail losses in Colorado.  Not enough premium for the risk!  Sounds like yet another negative.

So what can you expect and what can you do about it? 

First things first, home premiums are going up!  Yep.  No question.  Around 20 to 40% for some carriers.  So if you were paying $1,000 for home insurance, expect a $200 to $400 increase within 12 to 24 months.  So, with this in mind, my suggestion would be to discuss higher deductibles for sure and look to consolidate your auto or rental properties with the same carrier.  The more you bundle, the better.

One idea that not many people know about is you can re-rate your home insurance with the same carrier.  Why?  If your credit has improved (or gotten worse), your rate can be adjusted.  Talk with your agent about re quoting with the same home carrier if you feel confident your credit score has improved.

Dont put your auto with one carrier and your home with another.  At any chance consolidate.  I cannot express this enough as insurance companies can get premium from your auto to offset their risk on the home.

Will this end soon?  The answer is no.  Insurance companies are only allowed to increase premiums with the insurance commissioner at set times and at set amounts ( I am not a specialist on this).  I do know that if they could, many would take a 100% or 200% increase on home premiums to get them profitable.  Of course, they would lose all their business so they have to take increases slowly over an extended period of time.  Also, can we expect more hail to hit Colorado?  If you have lived here longer then 12 months, you know the answer is yes.  And with the above negative impacts, will the home insurance carrier be able to get the premium profitable soon?  I doubt it.

Did I mention Credit?  I mentioned how you can re quote if your credit improves but what if you have poor credit and trying to purchase new home insurance?  Your rate will be higher with 90% of carriers.  Here at my agency we have one company that will place competetive home insurance on credit that is sub par. 

Use an indpenendent insurance agent that can go through several markets.  Why anyone would use one agent with one product is amazing.  Relationships and company branding are my guess.  They like their agent and carrier even though they are paying too much premium with potentially lower coverage.  I know my clients value me (at least most of them!) but I am not worth 30% higher rates for anyone!

Take your time to understand what your policy covers and if you have questions, give me a call.

Rick Cline: All Access Insurance

www.rickclineagency.com

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Call Today for a no obligation Quote.  New to AARP?  No problem.  We can set your account up. www.rickclineagency.com

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Availability of features and benefits may vary by state.

I am looking for your help. This Holiday Season All Access Insurance and Rick Cline would like to donate $3 towards Care 4 Colorado Toy Drive for each review that is placed for my Insurance Agency on the following sites.

1. Yelp
2. Yahoo Local
3. Google Places

It is very easy to leave a review on these sites and the donation will be used to purchase toys for kids this Holiday Season http://denver.cbslocal.com/care-4-colorado-toy-drive/ for more information.

To participate, simply leave a review on the below sites by clicking this Blue “Click Here” below. You will be routed directly to the site.

· Please Click Here to leave a review on Yelp (no sign on needed)
· Please Click Here to leave a review on Yahoo (Yahoo sign on needed)
· Please Click Here to leave a review on Google (Google sign on needed)

That is right, you can donate up to $9 to Toys for Tots by leaving a review at each site!!!

We will close it out on 12/21 so please act fast!

Thank you kindly for participating in this donation. I am very excited to see how many toys we can purchase!

Rick Cline

• Instead of putting your personal information online, contact a local independent insurance agent
• Why a local independent insurance agent?  Easy.  Indpendent Insurance agents are not tied to one company.
• Technology allows an agent with multiple companies to take your information securly over the phone and get quotes fast.
• How?  Comparitive raters take your information and get accurate car insurance quotes with over 12 leading insurance companies in Colorado

• Advantages.  You dont have to establish new relationships with your insurance agent if you are not happy with your car insurance premium or the insurance company in general.
• Disadvantages.  Independent insurance agents dont have the branding that captive agencies have because they spend their marketing dollars back into competetive rates.
• Visit www.rickclineagency.com to get a quick car insurance quote in Colorado Arizona or Nevada

Rick Cline

Agency Owner

1. Ask your mortgage broker if they have any referrals of agents whom they have used in the past.  Often times they may have a great referral source but make sure you ask for 3 names.  That way you can compare
2.  Be prepared to give the agent the following information. Full names, Date of Births, Social Security number, Property address, Square footage, # of bedrooms, # of bathrooms, Any detached buildings?  Age of the roof.
3. In nearly all cases, it saves you money to consolidate the auto and home insurance so be prepared to give auto information to the agent
4. Closing date.  Before you close, the agent will need to send an evidence of property insurance to your lender so that the mortgage company knows the home is insured and at what level.  They want to make sure the loan amount is covered
5. Notify your loan officer and real estate agent that you have selected an insurance agent and an insurance company you are going to do business with.  From there, the insurance agent and the lender can begin drafting the necessary paperwork before closing.

Buying a home can be a great experience and having an insurance agent that is knowledgable and has multiple companies to choose from will make the process much easier. 

Here at All Access Insurance www.rickclineagency.com we have access to multiple carriers and can give you price comparisons from over 8 leading home insurance carriers.

Find the best quote with us!

Rick Cline: Agency Owner All Access Insurance 303-932-1700