Why Does Dave Ramsey Recommend an Independent Insurance Agent?

If you haven’t noticed we are big fans of Dave Ramsey. We are a Dave Ramsey “Endorsed Local Provider” and not only have we used his advice but are constantly recommending him to our clients. We truly believe that taking a conservative approach to your finances, spending less than you make, and avoiding debt are sound decisions. What about Dave’s recommendation that you use a trusted independent insurance agent? Is this a good recommendation and a critical part of making the best  financial decisions?

We certainly agree with Dave that an independent insurance agent is often the best place to not only purchase your insurance but also to make sure your coverages are meeting your needs. We believe there are 3 distinctions of an independent agent that can be of the most value to you.

- We simply do not work for the insurance company

It sounds so simple but day in and day out we see examples of how this plays out. We represent the insurance company but we are not employees of that company. Ultimately we represent the interest of you, the client. Insurance can at times be a complex matter. There is sometimes confusion and miscommunication, whether over a claim or even your billing. When these situations arise an independent agent can look at the matter from your perspective and represent your interest to the company.

No one is perfect and sometimes insurance companies are wrong. Having an independent voice to represent you versus an employee of the insurance company insures that you will be treated fairly and efficiently.

- Representing Multiple Companies Offers you the Best Deal with the Least Hassle

Let’s be honest, even with those companies offering your huge savings in 15 minutes, getting an insurance quote is not exactly pleasant. Gathering your documents, remembering the details of a small claim 3-years ago, and trying to choose the right level of coverage is just not fun. We can certainly think of funner things to do.

An independent agent can offer a multitude of companies and make the best use of your time while shopping for insurance. Our quotes compare a minimum of 4 companies with multiple coverage options.

-Building a Long-Term Relationship With an Independent Agent is Easier

As much as we wish it wasn’t so insurance companies often change their rates. What was fantastic for you this year may not be so fantastic 5 years down the road. Back to our 2nd point is it isn’t fun having to shop for insurance. Starting over every couple of years with a new agent is a headache.

By representing multiple companies we can keep our relationship intact and may be able to offer a new company at a better rate. There is no need to start from scratch.

We have had clients that have been with our agency for over 50-years. That simply is awesome! A relationship like that is invaluable for both us and the client.

Why we chose to be the Dave Ramsey Endorsed Local Provider for Bakersfield Insurance…

We believe Dave’s principles work. We enjoy working with people that have embraced his philosophy. Whether you are on baby step #1 or have already done the “we’re debt free” scream… we want to grow together with our clients. Responsible clients that are in control of their finances are fun to work with! Hard working independent insurance agents that are watching out for your interest and building the dream together are fun to work with!

We would love to talk to you about your insurance needs. Give us a call at 661-327-5531 or stop by our office at 111 “H” Street. You can complete an on-line quote comparison here.

 

Its Graduation Time for Bakersfield Students! Here Are Some Teen Driving Tips to Keep Graduation Safe

High school is full of defining moments for Bakersfield teens and two of the highlights for most are prom and graduation.

However, this time of year often sees other, more tragic defining moments – serious car accidents involving teens who are distracted or even under the influence of alcohol or drugs.

At Crosby and Crosby, we want to help make this season one to celebrate for you and your teen. So, with the help of the National Highway Traffic Safety Administration, here are some tips that can keep your teen safe.

First, encourage your teen to follow these general safe-driving rules:

Absolutely no alcohol

Always use seat belts

No cell phone use (including texting) while driving

Special circumstances

Of course, special events such as prom and graduation often present special circumstances. There may be dinner with dates before the dance, and parties before or after either event. It’s a good idea to discuss your expectations well before each event, putting some guidelines into place before your teen heads out for the night. Here are some ideas:

Make sure you know the itinerary of the evening, as well as who else will be with your teen. You should have contact information for everyone.

Have a way to contact your teen at all times. You may want to require them to check in with you once or twice over the course of the evening.

Set a curfew, whether they are coming back to your home or staying with a friend. If they are staying elsewhere, make sure the curfew will be enforced by a responsible adult.

Discuss with your teen how to handle difficult situations, such as facing pressure to drink, or accepting a ride with someone who shouldn’t be driving. It’s a good idea to provide your child with money for a taxi just in case.

Offer a “no-questions-asked” ride home, should they need one during the evening.

If you’re worried about your teen driving, consider alternate transportation. A car service or limousine will provide a responsible, experienced adult driver. You also will be able to limit changes to the itinerary and contact the driver.

Prom and graduation in Bakersfield are special times in a teen’s life. And just a little common sense will go a long way toward making sure your young adult is around to enjoy the other milestones that are sure to come.

 Safeco Insurance Teen Safety Rewards™

Safeco Insurance  Teen Safety Rewards can provide you a collection of tools, benefits and discounts to help your teen become a safer driver — as well as manage the cost of adding them to your policy. There are several discounts available, including the Good Student Discount, Driver Training Discount and more. Call Crosby and Crosby Insurance Services, 661-327-5531 or send us an email, agent@crosbyandcrosby.com for more information!

Crosby and Crosby is Now A Dave Ramsey Endorsed Local Provider For Home and Auto Insurance

We have long been fans of Dave Ramsey. His sound financial advice has helped us personally. We are now very proud to announce that we are Dave Ramsey “Endorsed Local Providers” for home and auto insurance.

Dave, has been a big advocate for local independent agents. We agree that an independent agent, with several great companies to chose from, is the best option for purchasing your home and auto insurance.

Crosby and Crosby Insurance serves insureds in California, Idaho, Washington, Oregon and Wisconsin.

Give us a call if we can help. 661-327-5531 or complete a free no-obligation quote here.

Obamacare Update: Employer Mandate Delayed

Only 176 Days until the Affordable Care Act health insurance plans (often referred to as Obamacare) are available.  With the constant updates and changes going on we are going to try our best to keep you updated on what this all means and most importantly how it is going to affect you.  One of the most recent changes to the mandate is the extension of the employer penalty from 2014 to 2015.  This extension gives the business owners, employees, health insurance carriers, and government one more year to iron out the details of the mandates and how they will implement them.  Here is a notice from Anthem Blue Cross on this extension:

Employer mandate delayed

July 3, 2013

On July 2, 2014, the Obama administration delayed part of the Affordable Care Act (ACA or health care reform law) that affects employers. The parts of the law listed below will now go into effect in 2015 instead of 2014:

1.        Employers will not have to report certain information to the IRS. This has been referred to as “employer reporting requirements.” We are waiting for the IRS to give details on what requirements this includes.

2.        The rule that says large employers have to offer coverage to full-time workers or pay a penalty. “Large employer” in this case is a business that has 50 or more full-time or full-time equivalent employees (that work an average of 30 hours a week).

3.        The rule that says coverage offered by large employers cannot be more than 9.5% of a worker’s pay for self-only coverage.

The delay notice changes the employer mandate part of the law only. The individual mandate and other parts of the law are unchanged. We are evaluating the impact and waiting for more information. The IRS has said it will release more details about the delay soon. We will share more information as soon as possible.

This article applies to:

  • California, Wisconsin, Virginia, Ohio, New York, Nevada, New Hampshire, Missouri, Maine, Kentucky, Indiana, Georgia, Connecticut,  and Colorado
  • Small Group, Large Group,  and ANA Consultant

We will continue to update you as we receive updates from our carriers and the administration.  If you have any questions or would like to speak to us about health insurance please call our office at 661-327-5531, email Jennifer Crosby at jenni@crosbyandcrosby.com, or stop by our office at 111 H Street.

Fire Update in Bodfish and Groveland California

Due to wildfires we are currently under restrictions for Bodfish California, zip code 93205 and Groveland, CA zip code 95321. These restrictions remain in place until the fire has been fully contained and affect home, dwelling, personal property, auto and boat policies.

For help and claims assistance please call our office at 661-327-5531.

For help finding coverage in other high fire brush areas call our office 661-327-5531 or email us at agent@crosbyandcrosby.com. We specialize in finding quality coverage solutions for homes throughout California and Idaho located in brush and high fire areas.

Read more…. “Tips on Insuring your Home in a High-Risk Fire or Brush Area”

 

 

 

Crosby and Crosby Partners with Core Health to offer Guaranteed Issue Health Insurance to Those With Health Problems or Pre-existing Conditions

Crosby and Crosby has recently partnered with Core Health Insurance.  Together we can offer a health plan that is guaranteed issue- no underwriting!  Everyone age 18-65 crosbyandcrosbyfacebookautomatically qualifies for coverage.  No pre-existing conditions, no health questions to answer, no medical records. 

There are 4 plans to choose from and coverage is available for individuals, single parents with children, married couples, or the entire family.

  These plans are designed to meet the needs of those who are unable to qualify for traditional health insurance due to pre-existing conditions or other medical underwriting, those who can’t afford traditional medical coverage, or as a supplement to a high deductible and limited major medical plan.  (This option is not designed to replace a traditional policy if available and affordable.) 

The coverage starts as low as $93.95 per month for individual coverage, $150.85 for a single parent and child(ren), $171.33 for a couple, and $242.99 for a family.  The rates are not based on age or medical history.  These plans include benefits for up to 12 doctor visits per year, hospital stays up to 31 days, a trip to the ER, and major medical procedures.  For a more detailed list of benefits and options please contact us at 661-327-5531. 

 Core Health Insurance is underwritten by the United States Fire Insurance Company and is rated A (Excellent) by AM Best.  Crosby and Crosby can offer this guaranteed issue health policy in California, Idaho and Wisconsin. 

Call Crosby & Crosby Insurance Services today at 661-327-5531, visit us at 111 H Street or email us at jenni@crosbyandcrosby.com.  Contact us today and you can be covered tomorrow!

Christmas Wishes from Crosby and Crosby Insurance and Holidays Claims Info

We wish our terrific customers a very merry Christmas and a happy New Year.

santa_sleighFor 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

A Message to our Clients Threatened by Kern County Fires

Many of our clients have been forced to evacuate  and their homes have been threatened by wildfire by the dozens of wildfires burning in Kern County. The evacuations in Bear Valley Springs and Stallion Springs have affected several hundred homeowners.

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.

Kemper Auto and Home is Now Kemper Preferred and Better Than Ever

Effective August 25th Kemper Auto and Home is now Kemper Preferred. The company feels the name change more accurately reflects the customers they design their products and services for- people like you!

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

Savings Alert: New Occupation Discounts with Safeco Insurance

Safeco_2colorSafeco Insurance now offers up to a 15% discount for certain occupations on their auto insurance. Safeco expects that up to 25% of its customers will qualify for the discount ranging from 10%-15%.

Highly Skilled Workers 15%- Doctors, Attorneys, Pilots, Accountants

High Educated Workers 10%- a broad range of occupations for those with 4-year degrees

Contact us today to find out if you qualify for the new discounts.

By Phone: 661-327-5531

By Email: agent@crosbyandcrosby.com

Learn more online: www.crosbyandcrosby.com

For other ideas about  Safeco Insurance view our Safeco Blog Posts.

To stay up-to-date on our newest ideas on how to get better insurance and save check out of Facebook page.

Other things we are reading today about insurance:

Winter Weather Tips for the Insurance Information Institute

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