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By: Mike H.
Allstate Insurance Agent: Ron Nayfack
Most people like I do take pride of the vehicle they drive, we take care of them especially if your family rides with you. Car accidents or other unforeseen events can be traumatic for some. In my case, I had someone by my side.I would like to express my heartfelt appreciation for the wonderful, excellent and professional service provided by Allstate representative Joe Clark. I will begin this by sharing my experience with you. On April 15th, 2014, I arrived ten minutes early to the office located at 1000 S. Palm Canyon Drive in Palm Springs, California. Mr. Clark was ready for me as soon as I entered the office. Having someone welcome me with a smile and call me by my name made me feel very comfortable. Mr. Clark was well prepared, he had all my correct information regarding my automobile claim but still reviewed and ensured that no misstates were made by anyone prior to him receiving my claim.Mr. Clark made direct eye contact with me at all times and explained every step of the process of my claim, and ensured that I had a rental vehicle reserved for me. While he inspected my vehicle, he showed compassion and demonstrated true concern. I must note that most customer service representatives in general lack either the expertise and just go through the process without showing any emotion or concern for their clients. In this case, Mr. Clark demonstrated that he is a dedicated person and loves his job. Mr. Clark should be recognized by corporate office and upper management for his commitment to Allstate and its clients.When I came home, I shared my experience with my wife and kids.This is why I have been I faithful Allstate client for over twenty-two years.Thank you Mr. Joe Clark.Miguel H.La Quinta, California
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By: Ian H.
Tom Gleeson - State Farm Insurance Agent
Ever since moving to the desert I have used Tom Gleeson as my State Farm agent. He and his staff are extremely responsive and I have received nothing but the best service from everyone I've spoken to in his office. We moved from another state and his staff made it very easy and explained differences to us in insurance options.
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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