Our Insurance Discounts for Bakersfield Teachers Just Got Better

Insurance companies have long recognized that certain occupations deserve lower insurance rates. Many companies including Safeco and Travelers Insurance have been offering large auto insurance discounts for teachers over the last decade.

The Bakersfield office of Crosby and Crosby Insurance helps numerous teachers, counselors and adminstrators with their home and auto insurance.

Our discounts have just got better! We can now offer an occupation discount on our homeowners insurance coverage in addition to the great discounts we have had on auto insurance.

These discounts are the best way to receive the best value for your insurance. Saving money is great and saving money while receiving the proper coverages is the way we have been selling insurance since 1963.

It is easy to get a quote. You can give us a call at 661-327-5531 or complete an instant online quote here.

 

Packaging Your Bakersfield Home and Auto Insurance The Easy Way

A large majority of potential clients we meet say they are looking for a better deal on their insurance. Many of those potential clients aren’t taking advantage of the easiest way to save, combining their auto and home insurance.

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.

The Best Way To Get Insurance On Your Classic or Antique Auto

Are you sure that antique beauty tucked away in the garage under a brand new coat of wax is properly insured? Classic autos have some unique coverage needs. First and foremost is 1965 Mustang Fastback With Cammer Enginethe valuation of that vehicle.

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.

Safeco Insurance Now Accepts American Express On Recurring Payments

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Are you looking to make your insurance payments automatically with your American Express card? Safeco insurance is now accepting American Express cards for automatic payment customers.

Let us know if you would like us to help you set-up your payment. We can be reached at 661-327-5531 or stop by our Bakersfield office at 111 “H” Street.

Why Most Insurance Quotes Are Boring

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Get an instant comparison insurance quote with us now

We talk to people all day long who are shopping for new insurance. Most of them are reluctantly doing their insurance shopping because they were forced to by bad customer service and a lack of options with their current company or agency. In a daze they spit out the same information over and over again as they go from agency to agency being asked exactly the same questions in exactly the same way.

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.

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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 Safeco_2colorthe 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.


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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.

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.

woodshakeIf 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

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.

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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

$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.

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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