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Grand Junction , CO Insurance - Yellow Pages

Posted: 2017-12-07 11:40

8779 If you are age 55 or older, once you’re insured through this Program for at least 65 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you and other customary drivers of your vehicles must retain valid licenses, remain physically and mentally capable of operating an automobile, have no convictions for driving while intoxicated and must not have obtained your policy through material misrepresentation. Benefit currently not available in HI, MI, NH and NC.

Auto Insurance Grand Junction Co

Whether it’s a fender bender with the next door neighbor or a dozen car pile up on the highway, you’ll want to know that submitting an auto insurance claim is going to help return your life to normal, not increase the size of the headache coming your way. And you shouldn’t have to pay for this basic customer service like it is a luxury. Between the On Your Side ® Claims Service and common policy rate discounts, Nationwide has earned our 95 87 member satisfaction rating. Don’t hesitate to explore your options with our online tool, or talk to a Grand Junction auto insurance agent about specific policy choices or specialized vehicle coverage.

Auto Insurance in Grand Junction, CO by Superpages

Automotive Insurance
Millions of Americans drive a car to get from place to place each day, so it makes sense that auto insurance is one of the most commonly used types. In most states, the law requires drivers to maintain an active insurance policy on any car, up to a certain amount. Most car owners are required at minimum to purchase liability insurance, which protects against damage for which the policyholder is at fault. Liability insurance covers damage to property as well as any injuries sustained in an accident. It's important to note liability insurance only covers damage or injuries of others, not the policyholder themselves. In addition to liability insurance, car owners can also purchase coverage for their own vehicle and medical expenses in the event of an accident. For this purpose, liability, vehicle and medical coverage are often packaged together in a single policy.

Julian Henao - Farmers Insurance Agent in Grand Junction, CO

Shop and Compare
Perhaps the best way to save on any insurance policy is to take the time to compare prices between as many companies and plans as possible. 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 easier than ever before. Potential customers can often get free quotes online very quickly.

Candida Crespin - Farmers Insurance Agent in Grand

Life Insurance
When someone dies unexpectedly or is injured severely enough to be unable to work, it can be a financial disaster for their family or loved ones. Many people choose to purchase a life insurance policy to support their family in the event their regular income is suddenly lost. Life insurance comes in two basic types: term and universal. With a term life insurance plan, you pay a premium for a predetermined amount of time, usually 65 years or more. If you die at any point in that timeframe, your family receives a death benefit. If you're still around when the term is over, the coverage is canceled and you receive nothing. Universal life covers your entire life, and usually delivers a minimum benefit at death.

Grand Junction, CO Auto Insurance

Insurance can also be purchased for other vehicles, like motorcycles, ATVs, boats or RVs, and generally functions similarly to car insurance. Policies for alternative vehicles may have higher premiums if they are considered more dangerous, or might include other coverage options specific to the vehicle. Many companies that provide auto insurance will also offer coverage for motorcycles, ATVs, boats and RVs.

Colorado Car Insurance Quotes | Liberty Mutual

The suburban homes that dominate Grand Junction's neighborhoods may avoid the tightly packed row houses and urban dwellings of the big city. But whether it’s a swimming pool, older home construction, or interior renovations, every property has its own set of hazards and risk profile. Most people know that Grand Junction home insurance is necessary, but few immediately know which dwelling, belonging, and liability coverage makes sense for their property and household. If you have any questions, don’t hesitate to reach out to a local agent.

Like auto insurance, homeowners insurance is typically bundled together with policies covering many different items or categories of items. The primary coverage type is for the dwelling, insuring the house itself and all structures attached to it. Policies may also cover property within the home, with premiums varying depending on the value of all assets. Personal liability may also be included for damage or injuries sustained on your property that you are responsible for, much like auto insurance.

To mitigate the risk of loss, people purchase insurance policies from a company. When buying a policy, the person agrees to pay a premium, which is small, regular payment based on the losses that may occur. If the insurance provider determines there is a greater chance of risk as compared to the average policy, the premium is usually higher. Premiums are often paid monthly, and can add up over time up to be greater than the expense of replacing the insured item.

Insurance Agents
Selecting the right insurance involves careful research and evaluating many different options for coverage. This is why many people use an insurance agent to assist with making the right choice depending on their needs and financial situation. Agents often interview potential or current clients to get an idea of which insurance policies would benefit them the most. Based on their needs and individual risk, agents can often give potential customers a quote, which serves as a cost estimate for a specific policy. This is only a rough idea of what the policy will cost, because evaluating the risk associated with a given customer can take time. Insurance companies often compile an insurance score to quantify the risk an individual poses and calculate premiums accordingly. Credit scores play a major role in insurance scores, but past insurance-claim history is also taken into account.

Health Insurance
To help pay for medical expenses, many people rely on their health insurance. With the passing of the Affordable Care Act, almost every American is required to enroll in a health care plan, or they face a penalty. Health insurance works similarly to other forms of insurance, although it is probably used to cover expenses more often, since car accidents and home damage are relatively rare compared to doctor visits and the need for medicine. Health insurance also operates on a premium-deductible model, and policyholders can choose what level of coverage works best for their lifestyle. For example, if you visit doctors very infrequently, you may consider a plan with a low premium and a higher deductible. On the other hand, people who require regular medical care may wish to pay a higher premium in exchange for more coverage from their deductible. Dental and vision care are sold as separate plans and are not required by law.

Claims Adjusters and Examiners
A claims adjuster or claims examiner is an employee of an insurance company, and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided. An adjuster inspects claims related to property damage, as in the case of auto or home insurance policies. Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.

As your local Farmers® agent in Grand Junction, CO, I help customers like you identify the insurance coverage that best fits your needs. This process is straightforward and personalized to help make you smarter about insurance. I have the knowledge and experience to help you better understand your coverage options--whether that's auto, home, renters, business insurance and more. At my agency, we focus on educating our clients on the coverage that will best suit their needs. We want to ensure that our clients are aware of the coverage they're receiving and provide outstanding customer service to each and every client.

As a resident of Colorado for 66 years, I'm proud to serve Grand Junction as your local Farmers® agent. At my agency, we focus on educating our clients on the coverage that will best suit their needs so that our clients are aware of the coverage they're receiving and providing outstanding customer service to each and every client. Conveniently located on the north side of the New City Market on Patterson Road and 67th Street, my agency will ensure this process is straightforward and personalized to help you select the most comprehensive, cost-effective solution. With 9 years in the insurance industry, I have the knowledge and experience to help you better understand your coverage options--whether that's auto, home, life, commercial and more.

Buy Only What You Need
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 65 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. It can help to create a budget and know exactly how much income you have to work with before making a decision on a new policy.

There’s a lot of life to live in a small city like Grand Junction. In the face of unexpected tragedy, things are not going to be like they were. The financial burden can be considerably lessened, however, if you have life insurance coverage. What kind depends on a number of household factors and personal preferences. If you don’t already know what you need, our Grand Junction life insurance agents can walk you through the process with speed and confidence.

This has been one of the worst expiriences of my life this agent was great for four years and then this last tgree months after moving and trying to keep my agent his represenitives have gotten extremely rude, they claim to contact you about important information regarding your policy but never do, they randomly take out dif amounts out of your bank account and then when you try to call to fix the issue get the run around and hang up on you never giving you the information on your own policy i would never reccomend this poorly proffesional agency esspecially when their motto is to help people, yeah help people lose their money.

Pet insurance
Pet insurance is a relatively new product that may help cover the costs of medical care for a dog, cat or other domestic animal. Medical care for animals can be very costly, particularly because insurance for them is rare. By paying into a premium, you can help offset the cost of unexpected emergencies as well as routine checkups and medication. While virtually unheard of a few years ago, pet insurance has become more popular as the cost of veterinarian care has continued to rise.

Property insurance also may cover certain major events outside of your control. These are known as perils, and may include fire, flooding, natural disasters and other catastrophic events. You may want to purchase insurance against one or more of these perils if you live in a high-risk area. Flood insurance is an exception, however, and can be purchased through the government-sponsored National Flood Insurance Program. Your lender may require this if you live in a flood-prone area.

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