For those of you that are worried about possible reindeer damage or sleigh accidents our claims centers are open 24/7 even on Christmas to help you.

Our office will be closed December 26th and open at 9:00am on December 27th.

For Claims view our claims page:

http://www.crosbyandcrosby.com/claims/

Travelers Insurance Claims- 800-252-4633

Safeco Insurance Claims- 800-332-3226

Kemper Insurance Claims 888-252-2799

My time as trainer and master has ended and now it evolves into a hunting partner that knows what I want before I have to say it. As an old-salty lab he has seen the tricks from chasing quail in Kern County to hunting the icy flows of the Snake River in single digit temperatures.

With each retrieve I get a little moist in the eyes just enjoying the fleeting moments of the next few years.

It got me to thinking about the similar relationship we have with so many of our clients. We are proud that over 90% of customers decide to stay with Crosby and Crosby year after year.

Many of our clients come to us from referrals. As the years go by we deal with our clients life events, getting married, having kids, sending the kids to college, retiring.

All of those times and years of knowing each other we become great partners with our clients. Many of them we know by voice and greet like an old friend when we see them in the office.

We hope to anticipate your needs and learn all the ways we can better serve you, our client.

Thank you for your continued business and referrals, we appreciate it and look forward to serving you in the future!

Combining your home and auto insurance is the simplest way to get a better value for your insurance.

Crosby and Crosby Insurance has been helping Bakersfield residents combine their policies since 1963. Our great companies like- Safeco, Travelers and Kemper Preferred offer savings up to 20% for combining your home and auto policies.

Some benefits of combining your home and auto insurance are:

• Savings up to 20%
• Increased and enhanced coverages
• Our package policies with Kemper Preferred and Safeco provide a single policy for both home and auto
• A knowledgeable local agent to help you choose the correct coverage options and assist you with claims

It is now easier than ever to get a quote for combining your home and auto insurance. You can try Crosby and Crosby’s online rater now for a great comparison quote 24 hrs/day. You can talk to us at 661-327-5531 or stop by our office at 111 “H” Street.

Cash or Stated Value

The cash value of a vehicle is essentially the market value with standard depreciation. Companies use many different ways to figure out a fair cash value including averaging recent sell transactions for similar vehicles and Kelly Blue Book values.

You don’t want a cash value on your classic auto!!!

What you are looking for is a stated value policy! That is a policy that states in the event of a total loss of your vehicle in a collision or other than collision loss the insurance company will pay you a settlement based on the stated value on your policy. For example your vehicle had a stated value of $20,000 and the vehicle was stolen the company would pay you $20,000 minus any applicable deductible.

Determining the “stated value” of your vehicle is best done with a professional appraisal of your vehicle.

Not only is it better coverage but a stated value policy might save you money

Most classic autos are being driven on a part-time basis and aren’t regular commute vehicles. By listing a vehicle as a classic auto, with stated value, you can take advantage of company discounts for part-time vehicles.

If you have another vehicle for your regular commute you may qualify for a discount.

Our Solution… Combine You Accounts

A quick google search shows that there are quite a bit of companies offering coverage for classic autos. Most of those are policies are specifically for your classic auto and are going to be an addition to your current auto policy.

Our solution is several of our great companies like Safeco Insurance that can put your classic auto on your regular auto policy. This allows you to take advantage of discounts with your other policies like your home, umbrella, motorcycle and boat policies.

You have the great “stated value” policy that you need with a lot less paperwork and added savings.

Contact Us About Your Classic Auto Insurance

If there is anything that we can help you with or questions we can answer for you, just say the word. We are easy to reach in California at 661-327-5531, in Idaho at 208-366-8366 or by email at agent@crosbyandcrosby.com. You can also complete an online quote 24 hrs/day.

Here are a couple of definitions that we get asked about most often:

Coinsurance -

• A form of medical cost sharing in a health insurance plan that requires an
  insured person to pay a stated percentage of medical expenses after the deductible
  amount, if any, was paid.
• Once any deductible amount and coinsurance are paid, the insurer is responsible
  for the rest of the reimbursement for covered benefits up to allowed charges: the
  individual could also be responsible for any charges in excess of what the insurer
  determines to be “usual, customary and reasonable”.
• Coinsurance rates may differ if services are received from an approved provider
  (i.e., a provider with whom the insurer has a contract or an agreement specifying
  payment levels and other contract requirements) or if received by providers not
  on the approved list.
• In addition to overall coinsurance rates, rates may also differ for different types
  of services.

Co-payment -

A form of medical cost sharing in a health insurance plan that requires an
insured person to pay a fixed dollar amount when a medical service is received. The
insurer is responsible for the rest of the reimbursement.

• There may be separate co-payments for different services.
• Some plans require that a deductible first be met for some specific services
  before a co-payment applies.

Deductible -

A fixed dollar amount during the benefit period – usually a year – that an
insured person pays before the insurer starts to make payments for covered medical
services. Plans may have both per individual and family deductibles.

• Some plans may have separate deductibles for specific services. For example, a
  plan may have a hospitalization deductible per admission.
• Deductibles may differ if services are received from an approved provider or if
  received from providers not on the approved list.

Health maintenance organization (HMO) -

A health care system that assumes both
the financial risks associated with providing comprehensive medical services
(insurance and service risk) and the responsibility for health care delivery in a
particular geographic area to HMO members, usually in return for a fixed, prepaid
fee. Financial risk may be shared with the providers participating in the HMO.

Maximum out-of-pocket expense -

The maximum dollar amount a group member is
required to pay out of pocket during a year. Until this maximum is met, the plan and
group member shares in the cost of covered expenses. After the maximum is reached, the
insurance carrier pays all covered expenses, often up to a lifetime maximum.

Point-of-service (POS) plan -

 A POS plan is an “HMO/PPO” hybrid; sometimes
referred to as an “open-ended” HMO when offered by an HMO. POS plans resemble
HMOs for in-network services. Services received outside of the network are usually
reimbursed in a manner similar to conventional indemnity plans (e.g., provider
reimbursement based on a fee schedule or usual, customary and reasonable charges).

Preferred provider organization (PPO) plan -

An indemnity plan where coverage
is provided to participants through a network of selected health care providers (such
as hospitals and physicians). The enrollees may go outside the network, but would
incur larger costs in the form of higher deductibles, higher coinsurance rates, or non-discounted
charges from the providers.
For additional definitions please see http://www.bls.gov/ncs/ebs/sp/healthterms.pdf . 

Contact Crosby and Crosby to help with your health insurance needs.

If you have any questions or would like Crosby & Crosby’s help in finding you or your family health coverage please call us at 661-327-5531, complete a quote online, email our health department at benefits@crosbyandcrosby.com, or stop by our office at 111 H Street. 

Crosby and Crosby Insurance Services offers health insurance plans through great carriers like, Anthem/Blue Cross, Blue Shield, Aetna and Kaiser. We have been helping families in Bakersfield and throughout Kern County since 1963!

We are standing by to help answer any questions regarding coverages or assist you in getting in a claim. Many people have inquired about “Loss of Use” or “Additional Living Expense” coverages on their policies. Please call us at 661-327-5531 to discuss your specific coverage.

If you need to turn in a claim after hours please visit our claims page.

 Depending on your need we can find a plan that fits both your coverage needs and your budget. 
 At Crosby & Crosby Insurance we work directly with Anthem Blue Cross, Blue Shield, Aetna and Kaiser to provide you with a perfect fit.  Many of our plans now cover preventive care at no additional charge to you—that’s right, the deductible and/or co-pay may be waived for routine preventive care depending on the plan you choose.  Plans are also available that cover up to 4 doctor visits per year with a small co-pay, no deductible applies. 

Not interested in doctor visits or preventive care?  We also have plans available with high deductibles and low monthly premiums for you.  These plans are better suited for those that are more concerned with a major illness or accident being covered than a routine doctor visit. 
 Let us take the confusion out of health insurance for you.  Start by getting an online quote , call us today at 661-327-5531, email our health insurance department at benefits@crosbyandcrosby.com, or stop by our office at 111 H Street.

We talk a lot about all insurance companies aren’t equal and all policies aren’t equal. Kemper Preferred is a company that puts a smile on our face. With Kemper, we know our cleints consistently receive superior products, services and claim handling that exceeds expectations and needs.

Have you considered Kemper Preferred?

Kemper offeres great coverage for your home, rental or condo, auto, boat, valuable, collectibles and excess liability needs.

Other than us telling you how wonderful they are we thought we should point out some of the benefits of their policies…

• A package home and auto policy, yep thats one policy # and policy package per year for both your home and auto insurance. (Don’t worry we can separate the billing if your home is mortgage billed)
• A blanket coverage for your dwelling, other structures and loss of use. 1 single coverage amount that lets you use coverage where you see fit.
• Increased valuable items coverages for your important possesions like jewelry and firearms.
• Auto policy limits for towing up to $300 and rental car coverage up to $75 per day!

Kemper designs superior products and services for people like you. They offer 4 different homowner’s contracts that will meet you personal insurance needs, regardless of your life state. We are especially proud of their Ultimate protection and and coverage such as:

• All perils coverage for personal property includes normally excluded coverage like breakage. Can you say, plasma falling off the wall?
• $15,000 in water backup included and up to $50,000 available. Yes water backing up through a sewer or drain is exluded on many homeowners policies.
• $50,000 in Identity Fraud Protection
• $10,000 in automatic jewelry coverage for losses caused by theft and $5000 for firearm losses caused by theft.
• Up to 100% of Blanket Coverage for Ordinance or Law Coverage.

Are you preferred?

If you have a good driving record and are a responsible homeowner Kemper Preferred can help you to get a great value on your insurance. That is great coverage at an affordable price!

How to get a Kemper Preferred Quote or Contact Us

You can quote Kemper Preferred with our online rater now, give us a call in California at 661-327-5531 or in Idaho at 208-366-8366 or stop by our Bakersfield office at 111 “H” Street.

Want to read more about what we have been saying about Kemper?

Kemper Insures Home Business

Kemper’s Repair or Replace Coverage

Question: Are all insurance policies the same?

The answer is loudly a big shouting “NO”!!! On the basic level of the actual policy contract and how it is written companies use a similar form. The key word is similar. How does your policy wording cover things like- water backup, valuable items like your jewelry and firearms and your liability? Especially with so-called “tiered” policies the policy contract can vary drastically even within the same company.

It pays to speak with a knowledgeable agent like Crosby and Crosby to discuss specific contracts and policy coverages.

Some policies are the Motel 6 of the insurance world and some are the Ritz. Spending a $100 per night at a Motel 6 is probably a rip-off but probably is a great  deal at the Ritz. The same goes with insurance. Make sure you are getting a great deal at the Ritz and not paying for bargain basement coverage. And never forget to watch for bedbugs!

What is the best health insurance company in Bakersfield?

Health insurance is one that we have seen a ton of changes within the last few years and the markets can change literally overnight. Depending on your individual situation and the coverages that you are looking for the company may be different.

We offer coverage from Anthem, Blue Shield, Aetna and now Kaiser. These 4 companies can give us a great snapshot of the best company for your needs.

To get a health quote you can complete the online form, email our health agent Jennifer Crosby at jenni@crosbyandcrosby.com  or give us a call 661-327-5531.

Are my ATV’s covered under my homeowners insurance while they are in my garage?

This is a very common question and usually gets lumped in with dirt bikes, off-road vehicles,  personal watercraft, and power boats. Your homeowners policy very specifically excludes  coverage for, “Motor Vehicles or all other motorized land conveyances”.

If you vehicle is not subject to motor vehicle registration and is used for service at your residence or for the assistance of the handicapped it may be covered.

If you have a ATV or off-road vehicle such as a dirt bike or dune buggy please speak to us about coverage.

Coverage is very affordable and you do not have coverage on your homeowners policy even while in your garage.

That wraps up this ”Question and Answer”. Make sure to send us your questions! 

Most of those companies all have one thing in common… Your coverage needs aren’t going to be considered and you won’t have a personal agent to deal with.

What our customers have come to expect, and our unique value, is the great relationship they build with their agent.

It is amazing to me how many, even local companies, write a policy and then push the client off on a customer service department never to be spoken to again.

Just the other day I received a phone call from a client that I have a long relationship with going back handling their insurance for over 8 years. They were out of the country and their daughter had just been involved in a minor accident. It was through that long-term trust I was able to tell them, “we will take care of that”. They were able to go back to their vacation and know that their concerns were being handled by their agent.

We wouldn’t offer insurance any other way!

Whether you prefer to do business the old-fashioned way and in our local office, directly through our website or on the telephone the one thing you can depend on is that you will have a personal agent to handle your needs.

Give us a call 661-327-5531 or 208-366-8366 and a real-live (gasp) person will pick-up the phone to assist you. Your call and your business is too important to us to leave it to an automated phone system.