The York Group in Caldwell, ID with Reviews -
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  • 1.The York Group

    208 S 4th Ave


    0.49 mi

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By: t.pirnie
Affordable Insurance Company
I have been dealing with this company for approximately 8 years and they have always been so very kind and willing to work with my families needs. We have all of our insurances through Affordable insurance and we couldn't be happier!
By: c.giddings
Affordable Insurance Company
Liars and thieves... I'd tell anyone from personal experience to RUN in the opposite direction of this company!! This place is a RIP OFF, period!! They change things in your policy without proper signatures and will assign undeclared drivers to vehicles on your policy so they can charge you more money. They give you extra coverage you don't need on home owners, which means you end up paying more money for coverage that you don't even need. They quote you one rate in person and then deduct a higher rate from your automatic withdrawal. Your insurance company is suppose to help you get cost effective coverage while protecting your assets; not bleed you for extra money while giving you ineffectual coverage and NOT informing you about it. If your with this company?? Get another quote else where; I did and saved a bundle. These people should be shut down!! When you think of Affordable Insurance in Caldwell, Id. Remember theses words - Theft and Deception I did not want to but had to give them at least one star to post this review. Hopefully it will save someone else from getting ripped off by this agency.
Tips & Advices
Insurance agents will often try to "upsell" on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash.
Yes. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easy. Potential customers can often get free quotes online very quickly.
Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.
In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.
If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes to record: what happened before the accident, the date and time, traffic signs in the area and road conditions. Also get the other driver's name, address, license plate number, and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.

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