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!

 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.

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.

Question: What is the best homeowners insurance company in Bakersfield?

We all know of the tremendous growth in Bakersfield the last 30 years. Each individual zip code in Bakersfield is going to have different rating. As an independent insurance agency we have several great companies that are likely to be very competitive in each zip code along with providing the valuable coverage that you need. If you are speaking about the “best company” there is going to much more than price.

We know price is important but you should never sacrifice coverage or peace of mind. If you are looking for the very best coverage “enhanced” homeowners policies from Travelers, Kemper or Safeco provide additional coverage at a reasonable price when combined with your auto policy.

Can I get $1 million liability and unisured/underinsured motorist coveage on my vehicle without an umbrella policy?

Yes!!! Travelers Insurance now offers coverage limits up to $1 million for automobile liability and uninsured/underinsured motorist coverage. The benefits of $1,000,000 in limits on your auto policy in addition to or without an umbrella policy are that you are able to protect yourself and the passengers in your vehicle if you are injured by a uninsured or underinsured motorist.

To check with us on any of your insurance needs give us a call at 661-327-5531 in California or 208-366-8366 in Idaho. You can email us at agent@crosbyandcrosby.com.

Question: What is the best way to get insurance on my boat and what coverages should I choose?

Answer: The days of having to write your boat with a separate company from your home and auto insurance are in the past. The best way to get both the best value and the best coverages for your boat is combining the boat coverage with your home and auto insurance. For example Safeco, Kemper and Travelers all now offer excellent boat coverage for everything from wake boarding boats to bass boats. The best thing is that adding a boat policy may actually give your a discount on your other policies such as auto and home!

A boat insurance policy is going to have several options. You are going to want a policy that offers “agreed value” in the event the boat is destroyed. That is the policy will pay a value that is agreed to on the policy as opposed to a depreciated amount. Don’t forget coverage for the trailer and personal property such as fishing equipment and electronics that you may keep on the boat.

Last but not least you are going to want to discuss your coverage needs for both liability and uninsured boaters coverage. Don’t skimp on the uninsured boaters coverage! Many boaters on the water chose not to carry any coverage and in the event they cause an accident the uninsured boaters coverage will protect your and the passengers on the boat.

Question: I am moving from California to Idaho and need to transfer my insurance. How do I do that?

Answer: Many agencies are to be licensed to do business only in California. Crosby and Crosby is both licensed to write insurance in Idaho as well as having a local office in Boise. If you are currently insured with Travelers, Safeco or Kemper we can help you to transfer your existing California policy to Idaho and maintain all longevity credits that you are receiving. Our phone number in Idaho is 208-366-8366.

Question: I have a wood shake roof and am currently getting cancelled by my current insurance company. What can I do?

Answer: We have written several blog post about wood shake roofs including this one, “The Best Way to Get Homeowners Insurance for a Wood Shake Roof”. If your roof is in relatively good condition and less than 25 years old we can help find you great coverage. You can even quote and purchase online here.

Crosby and Crosby Insurance is a leading independent agency for great companies like Travelers, Safeco and Kemper Auto and Home. We are licensed in California, Idaho, Washington, Oregon and Wisconsin.

We can be reached to answer any of your questions at 661-327-5531 or 208-366-8366 in Idaho or you can email us at agent@crosbyandcrosby.com

The new Android and iPhone applications help you take the right steps and keep you calm if you are involved in an accident. You can even begin the claims process immediately.

Of course your Crosby and Crosby personal agent is always available to quickly help you with any claim at 661-327-5531 in California or 208-366-8366 in Idaho.

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.