By: Jodi Z.
Jay Carnahan - State Farm Insurance Agent
Nicole Pearcy worked hard to get me all the information I needed to make a solid educated decision and she knocked it out of the park. I was with my other insurance company for over 10 years but with her knowledge and resources, she reduced my rates and got me better coverage! I didn't realize my previous coverage was subpar and having a local agent to sit down and explain everything (rather than online or on the phone) was value in itself. I highly recommend State Farm!
By: Linda T.
Farmers Insurance - Linda Techmeyer
Linda and BriAnne have been so helpful with me during a hard time. When my mom passed away, I wasn't sure what was going on about her home owner's insurance. The ladies at Farmers Insurance took great care of me and were able to get everything changed over into my name without a hiccup! Thank you so much!
By: Susan B.
Farmers Insurance - Linda Techmeyer
Linda was very personable, thorough and completely honest in her assessment of our insurance needs. She looked at our current situation with an open mind and educated us very simply and clearly the options that we never knew we had. I think Linda is the best agent we have ever had.
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By: Whitney H.
Farmers Insurance - Danial Nebeker
Dan Nebeker is the BEST agent around!! He always goes above and beyond to make sure his customers are taken care of. Dan's been in business for 23 yrs. He's experienced & very knowledgeable about Insurance. Not to mention he has the best staff!!
By: goldenrod1
Leonardi Benefit Design Inc
Karen does a great job in make sure everything is explained and set up correctly. She is very knowledgeable with the health insurance products and is a great resource for my clients that need help with their health insurance.
By: Susan M.
Allstate Insurance Agent: John Lingard
John Lingard has been my agent for many years and my friend for many more years than that. John is one of the most ethical and hard working persons I know. I recommend him to anyone looking for an agent with integrity.
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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