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By: Alice S.
Bacome Insurance Agency
My name is Alice Silveira. I am a client of your Tulare office , but primary business is in Hanford. So I am familiar with Bacome. I have been a client of yours for almost 6 years. I have a primary agent. But truly Karyn takes care of any questions I may have. What I feel is so impressive about her is how quickly she gets things done. Keeps me updated and never makes me feel like any question is not important. I stay with Bacome because of her. You have a gem as an employee with her. In these days of competition that is so important. I'm probably contacted weekly by insurance companies. Thank you for putting a survey out there.
By: Brian P.
Bacome Insurance Agency
Karyn Montgomery at Bacome Insurance has always responded to my needs and requests in a timely manner exceeding all expectations I have from an insurance agent. Ms. Montgomery also gives me her recommendations with each and every scenario. She has always made me feel like her #1 client. I would highly recommend her and Bacome Insurance to anyone.
By: Sherri R.
Bacome Insurance Agency
Bacome Insurance Agency provides excellent top of the line service. I have thoroughly enjoyed working with Karyn Montgomery over the last approx. 8 years. She has always provided services very efficiently. Shes friendly and gets the job done. Great job Karen!!
By: Nathan J.
Bacome Insurance Agency
Karen Montgamary is great and so thankful to have her assisting our family insurance needs.
By: Zoe C.
Bacome Insurance Agency
Debby and Karyn are always so helpful with our Insurance needs.
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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