Best 30 Insurance in Essexville, MI with Reviews - YP.com
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02/14/2015
By: Brian H.
Jeff Kelly - State Farm Insurance Agent
So far I've been with this office for about 3 months i had all the other crap corporate insurance geico esurance and all the others i was able to get full coverage and life insurance for less then i was paying for just plpd though the other guys,your not just a pay check to these guys they treat you like family,jeff and his son are awsome they will find any way to save you money and the insurance is top rated yes i been stranded and made one phone call and got a tow with in 30 mins ,so if your looking for insurance or to get real insurance from real people that acually care and treat you like a person and save money ,do your self a favor just call jeff and get a quote youll be shocked its a night and day difference i acually love my insurance now i feal at ease and know im coverd,thank you guys keep up the good work!
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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