What is the loss payee for Kern Schools Federal Credit Union?

Did you receive a letter in the mail or just finance a vehicle with Kern Schools Federal Credit Union? No problem it is simple… You must carry $1000 or less comprehensive and collision deductibles and list Kern Schools as loss payee:

Kern Schools Federal Credit Union                                                                                       

PO BOX 40490

Bakersfield, CA 93304

Are you a member of Kern Schools? Both Safeco and Progessive offer members of Kern Schools a discount on their auto insurance. Give us a call 661-327-5531 or complete an online quote.

Why Most Insurance Quotes Are Boring

Get an instant comparison insurance quote with us now

There is no reason getting an insurance quote should be boring! You are doing something that will help to protect your family and hopefully is going to help you get a better value along the way.

Why should you go through the repetitive task of comparing exactly the same coverage over and over and hoping you come across a good deal?

There is a better way to shop for insurance. It starts with having several options and companies to chose from and ends with building a relationship with a trusted agent that can help you to make the best decision on your insurance.

Whether you prefer to call us on the phone or complete your quote online with Crosby and Crosby you are going to get several quotes with different options to compare. You can save time and compare options from great companies like Travelers, Kemper Auto and Home and Safeco Insurance.

You can call and discuss your quote with one of our agents at 661-327-5531 or if you prefer you can quote online now.

Quote and Buy Safeco Insurance Online and Get a Great Agent

There is certainly a lot of benefits to shopping for your insurance online and being able to quote and even purchase a policy online. With Safeco’s new quote and issue feature you can take advantage of the best of both worlds by purchasing a policy online and at the same time partnering with a great agent.

Many people think buying direct from the company can save you money. Whether you buy insurance directly from Safeco or from our agency the cost is exactly the same. What you get when you purchase your insurance through our agency is a trusted partner. As a, H.K. Dent recognized agency, Crosby and Crosby Insurance has been recognized as one of the top 10% of all Safeco agents in the nation.

The 1-on-1 Difference

With Crosby and Crosby Insurance you are assigned one agent that will handle your account during your application, will assist you with claims, and will be your independent advisor to make sure you are getting the proper coverage.

Get a quote now!!!

You can quote online 24 hours a day and even purchase the policy.

Contact Us

If you have questions or would like help with your quote call us at 661-327-5531 in California, 208-366-8366 in Idaho or toll free 1-888-710-7816.

Crosby and Crosby Insurance Services is licensed to write business in California, Idaho, Washington and Wisconsin.

What Should I do if I am in a Auto Accident?

First off take a deep breath! Surely there are a million thoughts going through your head. If you have done your homework and chosen to protect yourself with a great insurance agent, like Crosby and Crosby, your insurance is adequate and standing by to assist you in getting you back on your feet.

Once you have taken a big breath and accessed any immediate medical concerns for yourself and your passengers the following steps will help you to be safe and gather the information that you need.

1. If possible move your vehicle to a safe location out of traffic.
2.  If needed call 911 for medical or police.
3.  Gather a pen and paper or even better yet your camera cell phone.
4.  Document the time, location, conditions and the names of any witnesses available.
5.  If you have a camera phone take pictures of the location, damage to any vehicles and with most newer phones you can even take a photo of the other parties documents.
6. Exchange information with the other party. Do not admit fault! It is best to settle your emotions and let the police and insurance companies sort out fault.
7. Turn your claim in. We are available to help, check out our claims page.

A great tool for those with an i-Phone or a Blackberry is Travelers (you can use with any of our companies for free) new app that can walk you through everything you need after an auto claim and help you to get the claim started right on your phone. You can find the apps and the mobile site available to anyone with Internet on their phones here.

What to expect from us once you have turned in a claim?

After you have turned in a claim with us you will hear from a claim adjuster within 1-business day. The adjuster will help to get your vehicle repaired and handle any bodily injury damages that occurred. They also can help you to get a rental car if you have chosen to carry rental car coverage.

As your agent we are always your independent advisor and can help to answer any insurance questions that you have, help to explain the claims process or help to solve any issues with your claim.

What to do before your claim!

The time to worry about your insurance coverage is certainly not when you are sitting in your wrecked vehicle. The best thing you can do for your own peace of mind is discuss and/or review your insurance needs today. We can help to evaluate you current needs in our 5-minute insurance review.

We are waiting for you to call us today to review your coverages. Go ahead and test us, I will bet we answer on the first ring! 661-327-5531

What is Going on with Bakersfield Home Insurance?

I was speaking with a potential new customer on the phone last week about her 20+ year relationship with her current insurance company. Her current agent represents a single company. Over the years her rates have been going up but this newest renewal she had an increase of over 20%.

For the last 5 years insurance rates have been fairly steady. Within the last year many companies have had substantial increases in their premiums.

While speaking with this customer I explained to her the simple but effective way we have been able to help our customers when insurance rates rise.

- Maximize discounts! Many times when a company files for a rate increase they may change or add a new discount to keep the premium attractive to their preferred customers.

- Offer multiple companies! By representing multiple companies we can offer other options. I couldn’t imagine being able to only offer our customers a single insurance company. If one company raises rates we can shop around for the best value for our client.

- Review our clients needs! Sometimes by spending 5 minutes  we can better access our clients changing needs. Many people that were only comfortable with a $500 deductible 10-years ago may be better served with a $1000 deductible today and so on.

By taking advantage of the simple things that I have mentioned above you can make sure you are getting the best value for your home insurance.

Give us a call today 661-327-5531. Ryan, Scott, Larry and Paula are waiting to help you with all of your insurance needs.

The Best Way to Get Homeowner’s Insurance for a Wood Shake Roof

Many companies are making it harder to insure homes with a wood shake roof. With our agency and through Safeco Insurance you can now quote and issue home insurance for wood shake roofs up to 25 -years old instantly online.

If your home is currently: owner occupied, in above average condition and loss free (1 small weather related claim may be acceptable), you should consider Safeco and Crosby and Crosby Insurance Service for your home insurance.

Click on our quote link and you will be able to securely and quickly get a quote on your home insurance. The entire process takes about 5 minutes and you can complete your quote with very little information. Once you quote has been generated you can purchase your quote directly online or contact one of our agents at 661-327-5531 and get a free insurance review and have all your questions answered.

You can instantly quote your home insurnace and purchase the policy online if you live in California, Idaho or Wisconsin.

 Tips for Quoting Your Wood-Shake Roof

• You can save up to 15% for combining your home and auto insurance
• Your roof should be in good physcial condition. If you have questions call 661-327-5531 or email us at agent@crosbyandcrosby.com
• The quote process from completion to purchase should take less than 10 minutes

You can enjoy the advantages of having a trusted agent and the convenience of quoting and purchasing your policy online 365 days a year/24 hours/day.

Crosby and Crosby Insurance Services is an independent agent serving California, Wisconsin and Idaho.

Should I Purchase Earthquake Insurance?

Should you purchase earthquake insurance for your home? That is a question that we hear often because homeowners insurance companies in California are required to offer

USGS Earthquake Map

earthquake insurance to their policy holders. You will always receive an offer when you write  a new policy and at least every other year after that.

Should you take that offer?

You should make that decision based on the following 2- questions:

Could an earthquake destroy my house?

Would a earthquake destroying my home cause me to go bankrupt or have great financial pain?

Both of those answers are clearly; YES! If you live in the Western United States we are always waiting for the “big one” that would destroy our home in seconds. The damage or destruction of your home would cause the vast majority of us to go bankrupt or have great financial pain in trying to recover.

“Isn’t Earthquake Insurance very expensive”? Earthquake insurance rates have been falling in recent years and are quite affordable. Most homes in California can be insured for earthquake coverage for a few hundred dollars per year. Insurance Companies tend to have short memories and the Northridge Earthquake in 1994 was the last major earthquake event in California. In fact the Northridge Earthquake completely reshaped the California home insurance market with as much as $25,000,000,000 in damages.

“Isn’t Earthquake Insurance very limited in what it covers”? As rates have fallen, the coverage offerings have also improved. You can now purchase a policy with a lower 10% (as opposed to 15%) deductible, increased coverage for personal property, loss of use and building code upgrades.

“How do I purchase coverage”? Most earthquake insurance is required to be written through your homeowners insurance policy. Many companies allow you to purchase earthquake insurance at any time during your policy (prior to a loss of course). Some companies only allow you to start an earthquake policy when they offer it each or every other renewal.

“If I have a big loss and my home is destroyed I am sure the state or federal government will help me to rebuild”. It is actually a very common response when talking about earthquake insurance. We help our customers protect themselves and their families and it certainly is not prudent to “hope” that the government will step in to help when you need them.

If you have questions you can talk to us by phone 661-327-5531 or by email at agent@crosbyandcrosby.com. You can also complete an instant quote here.

The $10-Spot, Great Insurance Coverage Enhancements That Cost You Less than $10 Bucks!

$10 doesn’t quite go as far as it once did. It can go surprisingly far to make sure that you have the proper insurance coverages. We wanted to put a list together of 5-coverage

$10 still goes far in insurance

enhancements that will cost you less than $10 per month!

Personal Umbrella Policy- There is no better bang for your buck than a personal umbrella policy. Like an umbrella, an “umbrella policy” protects over your underlying coverages such as home and auto. If you had a loss that exceeded the coverage of your home or auto liability your umbrella would kick in. Umbrella coverages start at $1,000,000 and up to $10,000,000 in coverage is available. With new multi-policy discounts most customers can add an umbrella policy for much less than $10/month.

Enhanced Home Policy-  All of our companies now offer multiple levels of coverage options. Benefits include personal property coverage for breakage, increased policy limits, identity theft protection and increased valuable items coverage. The cost? Less than $10/month.

Scheduled Valuable Items Coverage- Valuable items like jewelry, firearms, and silverware have limited coverage. You can purchase coverage for $5,000 in valuable items for less than$10/month.

Identity Theft Protection Coverage-  Your insurance policy is the best way to purchase Identity Theft Protection. Travelers and Kemper have both recently increased the coverages for their Identity Theft Protection. The increased coverage better protects you if you should become a victim of Identity Theft. In addition to coverage the policies also help you to recover and repair your Identity.

Repair/Replace Coverage- Available for newly purchased vehicles “repair/replace” coverage will replace your vehicle if you are involved in a collision. If the vehicle cannot be safely repaired your vehicle will be replaced with a brand new model year. For example if you have a 2009 model year vehicle and it is “totalled” in an accident in 2011, you will get a brand new 2011 model year vehicle. Cost varies between vehicles but it is less than $10/month.

There are lots of great ways to get valuable coverage without spending a lot of money. By taking advantage of multi-policy discounts many coverages cost much less than you would think.

Want to talk to us about other ideas? 661-327-5531 in California or 208-366-8366 in Idaho. You can email us at agent@crosbyandcrosby.com.

A Great Wild Duck Recipe

As the waterfowl season draws to a close our freezer is full of great tasting waterfowl. If you are looking for a good tasting recipe for your ducks make sure to check out one of our favorites.

First off I pluck their breast so I have a nice layer of fat. I usually run water over the duck and pluck out the small hairs that are left over before I fillet the breast off the duck. Some people burn them off with a torch.

- Wild Duck Breast
- Olive Oil
- Seasoning (I use just a general dry rub type seasoning with plenty of pepper)
- Mango Juice

Once you have removed your duck breast score the fat side diagonally with a sharp knife. That will help the fat to render (crisp) up. Season the duck liberally and rub the seasoning into the meat. A great tool for marinated meat is a vacuum sealer. I vacuum seal all my meat before it goes in the freezer to preserve the freshness. It also works great by opening the pores of the meat to take in the marinade. Add a couple of table spoons of olive oil to the vacuum bag and vacuum seal the duck. You can refrigerate it over night to get a good marinade.

Starting with a cold pan place the duck breast skin side down and turn the heat to medium. Once the fat has been rendered and is crisp flip the breast and sear for a minute flesh side down. I use Bolthouse Mango juice and just pour enough to cover the breast. Transfer the breast to the oven and finish for 6-8 minutes at 400 degrees. You want the duck to be medium rare.

Allow to rest for 3-4 minutes and slice diagonally.

With a store-bought duck you can render the fat and skip finishing it in the oven. Wild duck has so much less fat it doesn’t take as long to render and by transferring it to the over you will get a better cooked duck.

It’s Travelers Insurance Not Travellers Insurance and Yes They are Awesome!

Did you know that last month there were over 400,000 searches online for Travelers Insurance? Another 140,000 searched for “Travellers” insurance. We can tell you that it is a single “l” and Travelers is one of the companies we are very proud to represent.

Why are they great?

- Wrote the very first  auto insurance policy in 1897 (it cost $11.25 per year-wow)

- Rated A+ Best by AM Best

- Offer innovative coverages that fit you individual needs for home, auto and business insurance

- A member of the DOW Composite

- Multi-policy discounts up to 30%

- Superior claims service when you need them

Travelers also has some great commericals.

To get a quote with Travelers Insurance through Crosby and Crosby Insurance in California, Idaho and Wisconsin visit our quote page, call us at 661-327-5531 or 208-366-8366 in Idaho. You can email us at agent@crosbyandcrosby.com or use our live assistant below to chat now.

Powered By:
Crafty Syntax