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By: Shelly P.
Allstate Insurance Agent: Ken Garff Insurance Downtown
I've never had such a dedicated salesman as Hyrum Strong. As someone that shops around a lot to make sure I get the best deal possible, let me assure you that Hyrum will do everything in his power to get you an amazing deal. Which is made possible by all the rebates that Ken Garff is willing to do.I was sold on Hyundai (especially the Elantras) in 2010 when I did months of research to find out what would be the best car for me. Elantras have won numerous awards for safety and just generally being amazing vehicles. I learned back then that Hyundai's are generally less expensive to repair than, say, the Honda I had been tempted by. They're incredibly reliable. I put 70,000 miles on my 2010, and never had to do any repairs. At an average of 32 miles per gallon, you're only really going to beat the fuel economy by going hybrid (which you could get a hybrid Sonata, by the way).What I didn't realize when I meandered onto the lot was how much Elantras have changed in the four years since I bought my first. Hyrum was very well educated on the new features that Hyundai has adopted. But it wasn't just that which made Hyrum an excellent person to work with, it was the fact that he listened. When I explained that I suck at backing up, he responded by showing me the upgrade from the base model that has a back up camera. When I said I didn't need certain features, we moved on to the car that had what I'd asked for. I don't like being sold things I don't need, and I didn't need to ever explain that to Hyrum. He taught me the pros and cons of features instead of just proclaiming that I needed it all.I don't think I need to go off on all of the features Hyundai has added (since Hyrum can do that for you). I would like to mention, though, that Hyrum taught me how to use the features. Instead of just saying "The new Elantras have Shiftronic!" he explained to me what it was. I think we've all had experiences with salespeople that didn't really know much about the product. I had the opposite experience with Hyrum, he knew about each of the features and was able to point them out on our test drive.Having said all this, I have one final word of praise to give Hyrum. Patience. He had to wait for me as I called my dad, then my mom, then my brother, then my brother in law.... and then wait for my mom to arrive on the scene with the intent (which she admitted immediately) of talking me out of buying a new car. A typical salesman would try to get me away from my mom, the dissenter. Or they would have warped things to be in their favor. But Hyrum showed that he truly wanted what was best for me. He could see that I had the situation handled and didn't try to get in between us, and offered help when I needed it. And in the end... my mom agreed it was the best decision to make. She even offered me money to help out with buying the car.A good salesman is looking out for you, making sure that you're pleased, not only with the experience, but with the result. Hyrum has made sure that I'm taken care of. When I've had questions about the car, he's been more than happy to answer them. I am in love with my car, and Ken Garff Hyundai has made a life long customer.
By: Andrew O.
Allstate Insurance Agent: Ken Garff Insurance Downtown
I bought my BMW from them. It drives like a dream! When I took it on a Test Drive I noticed that the spark plug light was on. I decided to buy the car. In the contract they said that after service dept. looks at car If they see they need replacing they will do so. It has been 7 months since I bought the car, during that time I only put maybe 2,000 miles. This month I put a long drive on the car out to Oregon. I started having a lot of issues with the car. Mostly just small things. One of the problems was the spark plug light and also ma misfire. The shop showed me the plugs and said they need replacing. I was hmm, I guess the service guys did not change them. After a call back to Ken Garff Hyundai, I spoke to the main guy, and guess what; he is making good and paying to have them to be replaced!!! Yea they didnt do it the first time and they could of told me to kick rocks its been 7 months. This is why customer service is top notch here. Thanks guys!!!
By: saras_zoo
Archibald Insurance
First of all these guys are just awesome!!! I have been a customer for about a year now and every time I go in to make changes or pay a bill I feel so welcome there. From the first person I see to the last person I see I enjoy talking to!! I had called around all day looking for a good insurance rate and when I called these guys and new right away that they were who I wanted to get insurance through. They were so much nicer then the other places I called. They had way better rates. I was able to get insurance that day over the phone!!! I will be a loyal customer for life!!!
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By: Kandy S.
Allstate Insurance Agent: Ken Garff Insurance Downtown
This is our second elantra we have purchased from ken garff in the last couple of years. We went there to look at new cars and because of hyrums excellent salesmanship we bought a new elantra. He was not pushy but very knowledgable about the car. Hyrum made it possible to make our finances work. He is very friendly too. Hyrum is an asset to ken garff. I would recommend everyone to see hyrum when purchasing a new vehicle.
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By: Jill G.
Allstate Insurance Agent: Ken Garff Insurance Downtown
My wife and purchased a 2015 Hyundai Santa Fe from Ken Garff. The vehicle and sales staff were both top notch! Hyrum Darger and other members of the Ken Garff Team were friendly, knowledgeable, and easy to work with. Ken Garff's new approach to having one person take you through the whole process is a winner, not to mention time saver! Thanks, this was my second Hyundai purchase in the last three years. We'll be back!
By: slcgal
Allstate Insurance Agent: Ken Garff Insurance Downtown
Didn't love it. Not a great experience. I have to sell the car I bought a few weeks ago, and am quickly discovering that their promise of "the lowest price in town" is totally false. I feel pretty scammed. I will not be recommending this dealership to friends or family. In fact, I've already told a couple friends and co-workers to go elsewhere for their car buying.
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By: Mark W.
Melissa Felis - State Farm Insurance Agent
I have been with Melissa for over 15 years as my agent. Any time I call (which is rare) and talk with her she remembers who I am. I'm not a number with Melissa and her agency, I am a good friend. They are always eager to help and willing to go the extra mile. The best part about Melissa Felis and her agency is that I can trust them, and you can to.
By: amberjmills
Salt City Insurance Group
Salt City Insurance was able to get me lower rates than I've ever paid for my home, auto and life policies. I've recommended them to my friends and family because their rates and customer care can't be beat! My father is a mortgage broker and my husband is a real estate agent and there is no one else that they recommend to their clients.
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By: Ami R.
Penton Insurance
Penton Insurance has saved me $700.00. I have used them for 2 years now. I have my home and car insurance with them. It is great quality insurance at a great price! I really enjoy that William Penton cares personally that I have the right kind of insurance at a low price.
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By: Mike J.
Jackson Insurance Services
Jackson Insurance Services made getting my Auto and Homeowners Insurance so easy, plus they found me a great rate! I was worried it was going to be a complicated process, but they took care of everything and made it as easy as possible. Would highly recommend them.
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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