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By: Tambor R.
Universal Insurance Agency
I have rated the company 5 stars. He has been my agent over 5 yrs. He is such a wonderful man to do business with. My son bought another car that he wanted full coverage on and keep the other car with liability. If it was not for my agent we could not afford the insurance. My agent is a genius. He is very understanding of your situation and willing to accommodate you. When I went online to Nationwide they gave me a very high quote. I wasn't trying to leave my agent because he pleasant to do business with I call him to see whether he could lower his price because I did not want to take my business else where I wanted him to continue being my agent. He got me low price insurance that is extremely valuable included with roadside assistance. The Nationwide that he got me was way cheaper than the Nationwide insurance that was quoted online. Plus he gives more of an accurate quote because the other people have given me a quote way over my budget. I was able to cover both my son's cars with no worry. I am recommending my agent to everyone. You will be happy that you made the change. I am spreading the word here and everywhere. Thanks to my agent forever.
By: Karen S.
Bilbrey W E General Contractors
I just wanted to send you a little message to tell you and your wonderful employees how happy I am with the bathroom remodel. Everyone from your office staff to your crew did an amazing job. I was kept informed and my wishes we always respected. Considering the busy time of the year, I think everything went very smoothly and the bathroom looks fantastic. I certainly look forward to working with you again in the near future. Thank you for making the remodel easy on my house, family, and dog!
By: patrickbeckel
A. Patrick Beckel
I was worried because I had the same agent for ever and was used to the way they did things. I did not realize how much I was missing out on. Patrick saved me a bunch of money on the policies I already had with him and then helped me with my retirement. The staff treats me like family, they always offer me food, drinks and presents when I stop in . I would reccomend them to everyone.
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By: Brandon G.
Farmers Insurance - Christopher Newport
Chris was very helpful with our Insurance. He sat down with me and my wife and helped us to better understand our insurance. We are more confident about our insurance now and know that it will be there should we ever need it!
By: Debbie K.
Construction Park
Great company to work with. Everyone has been really nice, they arrive on time, they listen to what I needed done. Good company~~
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By: Kelsey L.
Joe Hickey - State Farm Insurance Agent
I had a great experence with Joe Hickey State Farm. Great rates and Service. The staff at State Farm was very friendly and helpful.
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By: Crystal L.
Huber Heights Insurance
I had three different insurance and huber is the best. Affordable and professional!! Highly recommend!!
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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