Searching for a cheaper rate on your car and house insurance?
Here are some options to consider on house and auto insurance:
Here are some options to consider on house and auto insurance:
Insurers take a dim view of drivers operating their vehicles without insurance especially since in most states there are financial responsibility laws. Even just a week or two of lapse in coverage could have an enormous effect on your premium.
The underwriting criteria will differ from company to company so it is an advantage for the independent agent to have as many companies from which to choose when there is a lapse discrepancy. Some companies will make exceptions for the consumer that is innocent with no prior coverage, such as the person that has commuted for years on the bus line and not owned a vehicle. Be prepared to pay 50% higher premiums if you have been without coverage for 30 days.
The following is a list of other items that some insurance companies consider when calculating the final insurance rate:
Your most recent 3 to 5 year driving record should be relatively clean of moving violations. You need to think twice about pleading guilty and paying that fine for your next minor citation. Most insurance companies will surcharge your car insurance policy for that violation for at least 3 years and some even 5 years. Place a call to the local traffic court in the city where you received your ticket.
Ask how much it would cost to plead no contest and ask for deferred adjudication. Generally the fine will be about 25% more than the guilty plea. The benefit is that the ticket will not be charged to your driving history for the next six months and furthermore if you don’t receive another ticket during that six month period the ticket gets expunged as if it was never received. On the other hand, if you receive another ticket in that six month period both tickets get charged to your record.
Another option that you have is a state approved defensive driver’s course. Generally you attend an eight hour safety instruction course and upon completion you will be given a certificate that can be presented to the court for the waiver of the ticket. You should always check with the court registrar for guidelines and time restraints.
Insurance companies report all claims against your policy to CLUE (Comprehensive Loss Underwriting Exchange) therefore think before you call your agent and ask him/her to file a claim on your policy. It could be that your damage may just barely exceed the deductible.
If you are involved in a minor parking lot incident before you instruct the other person to call your company ask them to get an estimate to consider paying it yourself. The surcharge on your policy for a minor incident is generally the same as for a major accident. Most insurance companies surcharge your policy for 5 years; therefore it could cost you more than $1000 over a 5 year period of time.
Many people ask me “what does credit have to do with the rate that I am charged for my car or house insurance”? All states except California have accepted data provided by insurance company research that validate that individual credit scoring has proven to be a strong indicator for future losses.
Whether or not you agree, your credit is a large percentage of your final rate. The independent agent has a significant advantage over the captive agent that only can write insurance in one company. Each insurance company has a different matrix when measuring an applicant for a final rate. You have heard the old saying “one man’s trash is another man’s treasure”, one of our companies may be more forgiving of a part of your credit that other companies may regard as critical.
Sometimes a spouse may have better credit than the other so it is always to the applicant’s advantage to have an agent that is willing to go the extra mile and explore all of the avenues in the rating process. The Mike Leonard agency will always treat your personal information with the greatest degree of privacy.
Our agent McKenzie is so friendly and works very hard to find us the best coverage for our home and cars.
Been dealing with Mckenzie at this firm for years now and she has consistently gone above and beyond....
My husband Greg and I have carried our auto/home ins. policies for years through your agency. I have always appreciated the great customer service the ladies in the office have provided. However; I would like to share that Maggie is no exception and honestly her customer service skills are stellar! She always responds quickly and efficiently. She solves any issue within minutes and never seems to be too busy to assist with any requests. She is delightful on the phone and over email. I felt strongly it was important to share what an excellent employee you have in Maggie! She’s a “keeper”.
I recently signed up with your agency on a new vehicle and renter’s policy. I moved from Oklahoma to Texas and was referred by my sister and her husband to your agency. I just wanted to let you know that I have been working with Maggie Pena and am very pleased with the service I have received. Maggie is very knowledgeable and professional, she has a quick turnaround time to answer all of my questions. Thank you for providing excellent service for me and just to let you know you have an outstanding staff member: Maggie Pena.
McKenzie, I want to thank you for all the help you have provided to both Jonathan and me over the past couple of years. You are a true professional and provide excellent customer service. Mike Leonard should be proud to have you on his team!
Hello Mr. Leonard, I have been with your agency for two years now and I must honestly say what a pleasure it has been working with Maggie Pena. She has responded to my questions and concerns with rapid speed and has an exemplary attitude. Working with Maggie has made purchasing insurance much more palatable whether it has been auto or homeowners insurance. Too many times we are quick to make complaints against an employee for poor quality service and ignore great service allowing it to go unappreciated and unrecognized. I encourage you to pay special recognition to Maggie Pena by placing a letter of accommodation into her personnel file and pay tribute to Maggie in front of her peers. I believe she is a valuable asset and face for your agency to potential and existing customers. Thank you for your recognition of Maggie Pena, a valuable employee for your agency.
Mckenzie Motley and Mike Leonard Insurance Agency not only saved me $2,050 a year, but McKenzie did this in less than a week. I didn't have to lift a finger. Mckenzie handled all things needed to activate my new policies and terminate my old policies. She ensured I was covered at all times and dealt directly with my lender and prior insurance company. The company even allows for DocuSign so that, even in your busy life, you can make time to electronically sign all documents. This process could not have been easier and I would recommend Mike Leonard Insurance Agency to anyone looking for new coverage or the option to save money!
We have been clients of Mike Leonard Insurance Agency for five years now, and we have been working with McKenzie Motley all that time. McKenzie has helped us purchase car insurance, renter’s insurance and now home insurance, and she always does such a great job for us. She gathers all the quotes and works hard to ensure that all the policies have what we want and need and are all equivalent. It’s great for me as all I have to do is talk to McKenzie and then she does all the hard work. I don’t have to call each company and explain the same thing over and over again. Also, I have checked them against other independent agents, and McKenzie always gets me the best coverage for the best price, too. I feel so blessed to have them on our side helping us insure the important things in our life.
Lindsey is great – solves problems, answers tough questions, and has amazing follow up – the reason I will always be with your agency.
I have been a long time customer of Mike Leonard. I have auto home and investment properties. Lindsey Hobbs has been my primary contact for several years. She has helped me on several occasions. Most recently she re looked at my complete insurance portfolio and saved me over 3000.00 dollars. 400.00-to 500.00 per house and also on my auto. Its been a great relationship. THANK YOU
I would like to express my sincerest thanks to one of your employees. McKenzie Motley has been a real pleasure to work with on my insurance needs. Her attitude is one of professionalism and I sense from her a real genuine care. She has been the most responsive Insurance Agents I have dealt with in over 30 years. Because of her actions, I intend to be a customer for a very long time. She is truly an asset within your organization. Again, thank you Mckenzie.
I appreciate you helping me with my insurance. You did an excellent job helping me find me cheaper insurance. I really appreciate it!!
I just received a call from Lindsey Hobbs telling me she was shopping my homeowners insurance and found a lower rate. It will save me almost $350 a year. I have never ever had an insurance agent call to tell me my insurance rate was decreasing. Mike Leonard Insurance offers great customer service and much added value
I was shopping insurance and chose your agency not only because the price was competitive but McKenzie sold the deal. She was very helpful, answering what must have seemed like unending questions. Her follow up with telephone calls and emails gave me confidence that I was important and a valued client. She is a true asset to your agency. Thank you Mckenzie.
I was an insurance customer for about 4 years when they raised my premium by almost $50 per month!! McKenzie at Mike Leonard Insurance Agency worked very hard to find me a MUCH better deal for the same great coverage that I had previously. Now I am saving $300 every 6 months! Thank you so much!!
I was a longtime customer of the Farmer’s Insurance Group. Over the years, my home and auto premiums continued to increase to the point that it became unbearable. The Mike Leonard Insurance Agency compared my rates with a number of different companies and found me a great deal with The Hartford. As a result, I saved $800 dollars in premiums, increased my coverage, and received more convenient payment options.
Just wanted to let you know that Lindsey provided me with excellent follow up and customer service. I am very happy with the deliverable and her attention to detail. Her speedy, efficient, and meticulous work made the difference whether or not I would stay or go as a customer. I am now convinced that you have a great team and I must admit, Lindsey sets the bar really high when it comes to positive results.
McKenzie recently handled the placing of my insurances. In addition to being friendly I found her most knowledgeable and efficient. She took special care to follow up on all her promises which is so refreshing. I have been in the insurance industry for many years and recognize McKenzie’s customer care as exceptional.
McKenzie was incredibly efficient and friendly. She put together a package that saved us several hundreds of dollars between our car and home insurance. We were under tight time constraints as we were leaving the country and our old policy was expiring. Yet, she was able to pull the transition off without a hitch. I will be looking to her to help us with some of our rental property inurances within the next few weeks
I have used Mike Leonard’s agency for years. Not only do they provide excellent service but they are pro-active in keeping my rates low. This policy year, when they noticed my premium took a big jump, they looked for another provider on their own and offered me the new policy. I did not have to receive the bill, notice the increase in premium, then call them to complain. This has happened more than once and I always appreciate what they do for me. They also insure my home.
McKenzie Motley just completed a review of all our insurance including homeowners on two homes, umbrella, and four cars. She was extremely professional and responsive, saving us over $2K dollars. We appreciate all McKenzie did and look forward to many more years of business with Mike Leonard’s agency. Thanks again.
Hey Mike, just wanted to let you know who much I loved working with Met Life on my car’s repair. They were “Johnny On The Spot” with everything! And the really good news was they had an account for me with $250.00 (disappearing deductible) in it, so it only cost me $250.00 out of my pocket!!! Anyway, just wanted to pass that along in case anyone inquires about Met Life. I had absolutely no hassle at all where they were concerned.