By: Billie K.
April Rhoden - State Farm Insurance Agent
I have been with April for 15 years. Why? Because she truly understands what she is doing, is honest and reviews my policies regularly. I've come to understand that there are two basic customer types: 1) one that wants a very hands off approach from their agent 2) one that wants an agent to be truly engaged in their insurance needs. April is the second type of agent. If you want a very hands off agent, her agency is not the one for you. If you want an agent that is hands on, she is definitely that one!!!I have nothing but the utmost respect for April! Understand one thing; your insurance agent is the person you call, during some of the most difficult times in your life. Choose wisely. Sincerely. BK.
By: kirk75
Farmers Insurance The Kirk Kupsky Agency
The Kupsky agency with Farmers is dedicated to helping serve you. We appreciate all of our clients and strive to provide them with the best service they can get. As advisors we like to sit down with our clients to review their needs and make the proper recommendations. We look forward to seeing you and helping protect the things most valuable to you. God Bless!Kirk C Kupsky
By: debi.mitchell1
Beimfohr Associates Insurance
They really listen to your needs to find the best product. I have been very pleased with their service for my company's insurance needs. Very personal and friendly, yet a wealth of knowledge too.
Tips & Advices
Insurance agents will often try to "upsell" on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash.
Yes. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easy. Potential customers can often get free quotes online very quickly.
Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.
In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.
If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes to record: what happened before the accident, the date and time, traffic signs in the area and road conditions. Also get the other driver's name, address, license plate number, and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.

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