Ace Insurance in Hartford, CT with Reviews -
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By: Mike L.
John Pedraza - State Farm Insurance Agent
I have been with John for years and have never had any problems. Even with claims, he has been more than helpful.
By: character1
The Hartford
As a part of Hartford, the Hartford Fire Insurance Co would not be a company I trust, nor would I trust a company insured by them.You can trust my comment here, or learn as I did, by giving them the benefit of the doubt, and being repeatedly wrong.
By: character1
Hartford Financial
Hartford/Hartford Financial is not a company whose executives are able to tell their CEO that there is a serious problem that needs to be resolved.If they had, there would have been an apology from the CEO to me and however many others there are who have been harmed by going through a claims process with Hartford.If the CEO had been adequately informed, and chose not to apologize and "do the right thing" then that CEO is not being honest with the Hartford board.Does any of this sound familiar?I do not trust Hartford or any business insured by Hartford.
By: karma_sabish
John Pedraza - State Farm Insurance Agent
If you're looking for a State Farm agent look elsewhere, John will absolutely not assist you if your vehicle is a total loss with State Farm. This man is a total A-hole. Overall I would rate State Farm insurance fairly well just not with this agent.
By: lynettesnow24
I really am discourage when you call a number listed on insurance documents and in the phone directory and the number is no longer in service!!!!!I have a question regarding the insurance we have purchased and can't find a phone number that works!
Tips & Advices
By law, you need to be insured up to the minimum amount required in your state before getting behind the wheel of any car. Beyond that, your insurance needs will vary depending on your financial situation and the amount of risk you are willing to take on.
  • Full or comprehensive car insurance is the most expensive, but often the best deal for drivers who own an expensive car, those who commute frequently or anyone who lives in an area with extreme weather or high crime rates.
  • Drivers of less expensive or older cars usually save more by opting for the minimum required policy, along with some extra coverage if they can afford it. Since the cost of repairs might exceed the total value of an older vehicle, some owners forgo collision protection in favor of greater liability coverage or personal injury coverage.
If someone other than you causes an accident while driving your car, most insurance policies will still pay for damage, according to the rules that apply. However, it’s a good idea to check with the insurance provider to be sure this is the case. Regardless, either the at-fault driver or the actual policyholder will be responsible for paying for anything not covered by insurance. People who don’t own a car but frequently borrow or rent one might consider purchasing a non-owner policy to make up the difference.
Car insurance premiums might be tax deductible in certain situations, but only with the documentation to prove it. Insurance costs may be deducted as part of overall business expenses if you use that car for work-related travel. However, this does not generally apply to taxpayers who use the standard deduction when filing their income tax returns. If your car is used for business purposes often, save all insurance-related documentation, as well as receipts, invoices and other forms of proof that your vehicle expenses were for business purposes.
Car insurers set premium prices depending on every driver’s individual risk. A huge number of details are factored into every determination of insurance risk, so the cost of any two policies can vary widely depending on the driver’s personal attributes, accident history, location, vehicle type and much more. The type of coverage you choose also impacts what you pay - premiums for minimal liability coverage will almost always be lower than those of a universal coverage policy.
The cost of car insurance is highly variable, but according to the National Association of Insurance Commissioners, U.S. motorists pay around $900 per year on auto insurance.

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