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09/22/2012
By: renofamily1
Action Auto Insurance - SR22 Specialist
We have been with Dan since 1990! Not changing for $10, $20, $30 a month!You couldn't have a more Knowledgeable and Friendly Team of people taking care of you and your Ride(s).If you want to talk to somebody in Vermont then go with an impersonal, unsure telemarketer off TV. If you need real answers to hard questions then Give Dan and his staff a call. From my Work truck to the Wife's "cruzer" we know we are covered!I even have "Slick" my Shovelhead protected.Take it from us, Consider the source if reading some whiney "I don't know why .........." This is where you want to be. You can talk to a Agent in Reno.If you have a TV company see if Dan handles them and request to have Action Auto as your agent. Thanks for taking time to read our post.
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02/09/2010
By: sparks308
Action Auto Insurance - SR22 Specialist
I have been with action auto for about a year and a half, and their customer service is one thousand times better than any of the big guys I've been with! They actively try to find me the best rates possible, ALWAYS have aomeone in the office to answer my questions, and work with my budget to get me the best deal. I have literally called them from the DMV with a huge problem and they have always smoothed everything out and taken care of everything for me. They are an amazing agency, and I would recommend them to anyone. They know my face and name, and know my policy. I don't have to wait for them to pull up my account, they know who I am. I am more than a paycheck, I am a valued customer whom they actually care about, not a name on a piece of paper. They are fantastic!
04/02/2013
By: meghanmariel.casser
Ramie Pratt: Allstate Insurance
Ramie is seriously the best agent I have ever had and I have had a ton! Before Ramie I was with allstate since I was 16 and had been bumped around from agent to agent for the last 15 years. I had only had one previous claim with an agent whos office was near El Pollo Loco on S. Virginia and he never got it approved so I gave up. Ramie has helped my husband and I with things on an almost weekly basis with incredible patience, dilligence and cheery professionalism. He has helped us merge our policies when we got married, helped us with windshields, theft and numerous cars being added and subtracted to our policies. My husband was also previously with Allstate but a different agent and he agrees that Ramie is the best! We highly recommend him.
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01/17/2017
By: Chaz M.
Farmers Insurance - Travis Riley
First class agent with a first class company! Travis Riley made every experience seem like I was their only client. My agent always remembered my name and my face and they are located very close to me. Their pricing is very competitive as well and will always let me know if there is something I can do to get my rates cheaper yet.
08/15/2012
By: sierraskies
Ramie Pratt: Allstate Insurance
Ramie Pratt has been one of the best agents I have dealt with in the last 20 years. The big difference is that he cares about me and wants a long term business relation ship. I know I can get good advise on coverage and he keeps my best interest at heart in anything he does ya can't get that from a computer!
09/19/2012
By: godsrod
Action Auto Insurance - SR22 Specialist
I have been with Dan at Action Auto Insurance since they opened. He and Shannon both really helped me out with any and all issues I`ve had over the years. They got me into an operator policy which helped keep my rates down as I have many cars and can only drive one at a time. They are the best in town!
09/20/2012
By: godsrod
Action Auto Insurance - SR22 Specialist
Great Auto Insurance Rates. I shopped around online Everywhere and finally a friend had me get off the net and call these guys. They beat the web guys and got me my SR22 for a really cheap price and got it over to DMV instantly. I`m glad I found them.
10/12/2012
By: reno12345
Action Auto Insurance - SR22 Specialist
Great Rate! They did a great job on finding me the best Rate for Motorcycle insurance. We had been looking for a competitive rate and they were able to quote me a rate that was lower than what i had been paying and raised my limits of liability. Thanks
03/24/2013
By: ok6783
Action Auto Insurance - SR22 Specialist
Dan is the best. I referred my friend to them and they were able to save them about 20% on the auto insurance. I tell most people about them. They can help if you ne SR22-Insurance. Thanks
08/15/2012
By: bobmccloud
Charla Brand - State Farm Insurance Agent
I have lived in Washington, Oregon, California, Ohio and Pennsylvania and I can honestly say the Charla Brand State Farm Agency has the best customer service I have ever experienced.
Tips & Advices
There are many different providers and plan types, so  shopping for life insurance can be complicated. The first step involves understanding the type and amount of life insurance you need. From there, use online tools or contact local insurance agents to get quotes on rates and learn about how to apply.
The cost of a life insurance policy is determined by two things: the guaranteed benefit amount and the individual risk of the policyholder. The latter is more complicated, and includes many  factors, including health, age, and  occupation. As of May 2017, a 30-year-old woman purchasing a 20-year, $250,000 term life policy can expect to pay about $141 per year. For comparison, a 60-year-old woman purchasing the same policy can expect to pay $1,033 per year. Since women have longer life expectancy on average than men, the latter can expect to pay slightly more. The same 20-year, $250,000 term policy will cost a 30-year-old man $156 per year on average.
Certain specialized policies may provide income replacement in the event of disability, disease, or another situation where it may be impossible to work and medical expenses are high. One common alternative is known as an “accidental death and dismemberment” policy. AD&D policies work similarly to term life plans, but will only pay out death benefits when a fatality is caused by an accident, or if the policyholder loses a limb or the ability to see or hear. Death from a heart attack or cancer, for example, is usually not covered by AD&D, but these policies might offer lower premiums than a standard term plan.
Many adults with children choose to buy a term life plan that covers them from the birth of a child until they turn 18, which is often the most cost-effective way to insure against the risk of income loss from unexpected death. While it  is possible to save enough cash or invest to provide even more funds in case of such an emergency, investing is subject to more risk of loss than a life insurance plan, and accumulating enough savings to provide a sizeable safety net can be difficult.
Whole life and universal life plans are each considered a type of “permanent life insurance.” Universal life is often similar in concept to whole life, but offers more flexibility in premium payments and cash withdrawals. For example, you might be able to temporarily pause or reduce premium payments at any time under a universal policy. It’s also often possible to borrow from what you’ve already paid into the plan or against a guaranteed death benefit in the form of a loan.

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