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By: Marah S.
The Kirksey Agency, Inc.
For a couple years now I have been a client of The Kirksey Agency. I really loved the Christmas basket they sent out last year, it was just very nice and thoughtful of them. The staff at The Kirksey Agency are all very nice. They are always informing me on any discounts they may have which is great.
By: Carter M.
The Kirksey Agency, Inc.
The agent we worked with from The Kirksey Agency was very polite and very knowledgeable about the policies. He worked with us to get the most coverage for our budget. We were very happy with the service we received.
By: Jason B.
The Kirksey Agency, Inc.
The Kirksey Agency is very good at what they do and they really know their products well. I am very happy with them, I just feel they are very helpful and they do a great job at making sure I have the best policy.
By: Elliot P.
The Kirksey Agency, Inc.
There is nothing that I can think of that The Kirksey Agency, Inc. could possibly do to improve their services. They are all such great people and I am very satisfied doing business with them.
By: Betsy S.
The Kirksey Agency, Inc.
I have been a client at The Kirksey Agency for around four years now. The team there is always very clear with any answers that they give me and make sure I am very aware of new information.
By: Jon S.
The Kirksey Agency, Inc.
The services that I get at The Kirksey Agency are always very responsive. It is great working with people that truly care about giving their clients outstanding customer service.
By: Dave B.
The Kirksey Agency, Inc.
The Kirksey Agency has very helpful agents who go above and beyond to help their customers. I have been so happy with the service I have received. I would highly recommend them.
By: Crystal H.
The Kirksey Agency, Inc.
The really care about their customers. they go out of their way to get everything right and as quickly as possible. They are a good company in every way, very reliable.
By: Stacy N.
The Kirksey Agency, Inc.
This is honestly such a great company and they always provide such excellent customer service. The agents work so hard to ensure the best rates and coverages are given.
By: Lee H.
The Kirksey Agency, Inc.
We highly recommend you giving TKA a chance because they will give you exactly what you are looking for. They have competitive prices and excellent customer service.
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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