Shedding Light On Car Insurance Savings
It can be easier than you think to put the brakes on high auto insurance rates – as an independent agency, Mike Leonard can help!
It can be easier than you think to put the brakes on high auto insurance rates – as an independent agency, Mike Leonard can help!
Liability covers bodily injury and property damage (BI/PD). This covers your legal liability, up to the dollar limits you select, for damages caused to others in a covered vehicle accident. In most states today, liability insurance is mandatory.
Under BI/PD, your insurance company pays for damages to an injured person and for property damage that you are legally obligated to pay as a result of an accident. If your policy covers you in the event you’re sued after an accident, your insurance company will pay for a lawyer to defend you.
Liability limits generally appear as three numbers, for example, 25/50/25 or 100/300/100. The first number refers to the maximum amount, in thousands, that your insurance company is obligated to pay for bodily injury per person. The second number is the maximum that would be paid out for bodily injury per claim and the third number represents the maximum amount your insurance company is obligated to pay for property damage you cause.
Traveling With Pets
Do you travel with your dog or cat when RV’ing? Is your pet more than a companion? Is he or she a member of your family? You’re not alone. Most of the 8 million people with RV’s, according to the Recreational Vehicle Industry Association, bring pets along on trips.
If this includes you, great news! Pet injury coverage from Progressive protects your furry four-legged friends in the event of an accident.In the past, RV insurance policies covered the people … but not the pets … inside RVs. Not any more. Progressive offers free pet injury coverage with collision and comprehensive coverage and pays up to $500 if your dog or cat is hurt or dies because of a crash, fire or flood.“RVing is more fun when the entire family, including pets, is along for the ride,” said Cathy Pelfrey of Progressive. “This coverage gives pet owners something no other RV insurer offers – peace of mind from knowing that their dogs and cats are protected, too.”
Progressive was the first insurer to introduce pet injury protection to its car insurance customers.For more information about Progressive RV Insurance, contact Mike Leonard Insurance Agency today!
Depending on the state in which you live, you may have available to you Medical Payments coverage or Personal Injury Protection (PIP) coverage. While these both work differently, they provide coverage for medical care provided to you as a result of a car accident.
Comprehensive covers damage caused by events other than a car collision—such as fire, theft, vandalism, hail or flood. It also covers damage caused by your vehicle colliding with an animal. And if your car is stolen, it will cover the cost of a rental, subject to a daily limit. Like collision coverage, a deductible usually applies.
When you buy collision coverage, your insurance company pays for damages if your vehicle collides with another vehicle or object. Collision coverage involves a deductible amount you select when you purchase your policy. This amount is what you are required to pay before your insurance company starts picking up the tab. Remember, the deductible amount is the amount you need to pay in the event of a claim.
The Insurance Research Council (IRC) estimates that 1 driver out of every 7 drivers in the United States is currently uninsured. This is especially startling considering that an accident with an uninsured or underinsured driver can result in significant costs that aren’t covered by a basic liability insurance policy.
To protect law-abiding drivers, many states are now requiring uninsured motorist coverage in their car insurance policies to help with costs associated with injuries after being involved in a car accident with an uninsured driver.
Additionally, drivers may have the option to purchase uninsured motorist property damage that covers damages to your vehicle and/or other property caused by an uninsured driver in an accident.
In the event of an auto accident, uninsured motorist (UM) coverage – also called uninsured motorist bodily injury (UMBI) insurance – will cover you and your passengers for:
Under this car insurance policy, you and your passengers will also be covered if you are the victim of a hit-and-run accident.
Before you take your motorcycle on the road or put your boat on the water, it may pay to be certain your insurance is ship-shape.
Motorcycles and boats are often significant investments, and the right insurance policy can help protect them. Here are a few tips, courtesy of Mike Leonard:
“An independent insurance agent or broker can make sure you have the specialized coverage you need to protect your boat or bike,” said Jim Lloyd, of the Progressive Group of Insurance Companies. “Some insurance companies provide only bare-bones protection for your boat or motorcycle by simply adding it onto your existing auto or homeowner’s policy, but independent agents and brokers can review and evaluate your needs to help match you with the company that will provide you with the combination of specialized coverage, service and price that’s best for you.”
(NAPS)—Many consumers are finding they can drive down the cost of car insurance—and the time it takes to select the right policy— by contacting an independent insurance agent or broker.
Because they represent many different insurance companies, independent agents have the flexibility to review rates and coverage from competing carriers and get you the best deal. Plus, they can offer affordable protection for your home, business and other assets. So rather than spending hours gathering quotes from various companies, you can get it done with one simple call or visit to your independent agent or broker.
If you’re thinking of contacting an independent agent, here are a few things to consider:
•Save money on the fun stuff. If you have a motorcycle, boat, RV or other “toy,” you might save money by having it covered by the same company that insures your car. Talk to your independent agent or broker about it.
You may also want to consider separating your homeowner’s policy from your car insurance policy. Bundling your homeowner’s policy with your car insurance doesn’t always save you money. It may, but have your independent agent look at separating the policies— the discount you may have gotten for keeping them together may be outweighed by the lower price another company might have for your car insurance.
Whether you’re traveling alone, with a buddy or with your spouse and a car full of kids, there are few things more “American” than the long-distance road trip. Countless vacation travelers will drive the highways looking for fun and making memories with every mile. If traveling down the “holiday road” is in your plans, take the time to prepare for your trip. You’ll have a more enjoyable vacation if you plan carefully. Here are a few driving tips, courtesy of Mike Leonard Insurance Agency:
It can be easier than you think to put the brakes on high auto insurance rates – as an independent agency, Mike Leonard can help! We can review your policy and possibly help you find a variety of illuminating ways to save money. Here are some things you may want to consider:
• Ask us to check several companies’ rates. This is the single most important thing you can do to get the best possible rate—and we can do it for you quickly and easily. The difference between the highest and lowest rate available to you from different companies could vary by hundreds of dollars.
• Reduce or drop physical damage coverage on an older car. Depending on your car’s age and where you live, comprehensive and collision coverage may not be worth keeping. We can give you advice on whether it makes sense to reduce or drop this coverage altogether.
• Raise your deductible. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your collision and comprehensive cost by 15 to 30 percent. In addition, because the average driver files a collision claim only once every ten years, odds are that over the lifetime of your car, a higher deductible will save you money. We can show you how raising your deductible will lower your premium.
• Look for discounts. Many insurance companies reduce premiums for certain driver traits or car features. A Fe examples are: being a homeowner for more than three years, nonsmoker, nondrinker, students with good grades, senior citizens who have taken an approved defensive driving course, people who only drive for pleasure, cars kept in garages, anti-lock brakes, anti-theft devices, air bags, etc. Ask us to check.
• Don’t assume having your car and home insured by the same company is the best option. Because auto insurance rates vary so much from company to company, it may make sense for you to have your car and home insured by separate companies. Let’s talk about it.
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.