03/29/2010
By: jimwarneke
Allstate Insurance Agent: Cullen DeSantis
Truth is you could be paying too much for auto insurance, and still not be getting the attention and coverage you deserve. Dont you owe it to yourself to find out? As your Allstate agent, I can help you make sure you are getting the right coverage at the right price. Especially since Allstate not only has everyday low rates, but also offers multi-policy and safe driver discounts that could save you even more. Check it out. AVERAGE ANNUAL SAVINGS COMPARISON GEICO $518 more than Allstate PROGRESSIVE $464 more than Allstate STATE FARM $234 more than Allstate About seven out of ten people who switched to Allstate paid less. In fact, drivers who switched saved an average of $353 a year on auto insurance. And if we insure your property as well, you may qualify for a MULTI-POLICY DISCOUNT. If you are a good driver, you can get another discount on top of that. Add it all up, and switching your auto insurance to Allstate could help save you a whole lot of money. While you can always get an online quote in minutes, the best choice for insurance is an informed choice. I would love to talk to you about our new rates and prepare a Good Hands Coverage Review customized for you. If you are interested in getting the best coverage possible at the best rate possible, coupled with the best service possible, please give me a call toll free at (877) 781-2200; or simply stop by my office in the Calcutta Square Plaza. Whether it is Auto, Home, or Life insurance you need - I can help you get the best possible insurance coverage for you and your family!
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.

Just a moment...