FAQs – Insurance Agency In California
General Questions For Insurance:
How does Safe Firm work as an insurance agency?
We are a multi-line agency/brokerage offering competitive commercial and personal insurance coverage through top-rated insurance companies. Our goal is to identify and minimize our clients’ exposure to risk. We accomplish this with emphasis on quality coverage, competitive premiums and overall simplification of insurance matters. We are a kind of “retail seller” of those products.
How can I get a quote for an insurance policy?
Simple – call us on 1(888) 777-7617 or email: armen@Safe Firm.com
Are there any kinds of discounts available for senior citizens, women, students etc?
Yes, we do have, as it is directly offered from the insurance carriers with which we are working. Some of these discounts are California Good Driver Discount, Good Student Discount, Multi Car Discount, Home and Auto combination discount, Military Discount, Educational Level Discount, Different Association Membership Discounts (Educator association, Attorneys association, scientist association), Occupational Discounts. Each insurance company has his own discounts available to the customers.
How can Safe Firm help me in the procedure of filing an insurance claim?
Our insurance carriers are handling the claims. We, as an insurance agency/brokerage help our customers in the process of filing a claim and following up with insurance company representatives to ensure best service for our customers.
Do you have any property damage liability policy with car insurance?
Yes, Liability coverage includes property damage. It’s packaged together called “Liability BI/PD Coverage” (Bodily injury-Property Damage Coverage).
What are the features covered by a basic renter’s insurance policy available at Safe Firm?
At Safe Firm, a lot of different renter’s insurance programs are available for you. Generally renter’s insurance covers insured home content, personal property (such as furniture, clothes, home electronics etc.).
How many types of renter’s insurance policies are available at Safe Firm?
There are different renter’s policies available at Safe Firm. Our insurance agency can customize different policies with different companies to satisfy customer’s needs. In general there are two types of renter’s insurance:
- Named Peril Bases Policy
- Broad Coverage Policy
What initial steps should I take, if I have an auto accident?
When you are in an accident, You should:
- Notify the police.
- Exchange information with the other driver(s) involved in the accident.
- Contact your insurance company as soon as you possibly can.
- Do all of the required steps your insurance company asks you to do.
How can I lower my premium for car insurance?
There are many things you can do to lower your car insurance premium. It includes shopping around, asking for discounts on your current policy, holding multiple insurance policies with the same carrier and raising your deductible. Find our auto insurance quotes, if you would like to get competitive quotes on your auto insurance.
Do you have any insurance program for rental car accident?
Yes almost all carriers that we work with are offering “Rent a car coverage program”. It is designed to cover customer’s rental expenses, while his car is being repaired in case of an accident. Each customer can purchase it or waive the coverage.
What are the features covered by basic car insurance programs available at Safe Firm?
We work as an agent for different insurance companies (AIG Auto, Unitrin Specialty, Drive from Progressive, Western General Etc.), we are kind of “retail seller” of those products. Regarding basic auto insurance policies that we can provide, it starts from Minimum Liability requirement for state of California, which is $15,000 per person $30,000 for bodily injury liability, and $5000 for property damage liability. The minimum liability is the starting point in personal auto coverage. Whatever more than minimum liability required, can and should be customized for each particular customer. In general, in addition to Minimum liability we offer Uninsured Motorist coverage, Medical payment coverage, Collision and Comprehensive coverage, Rent a car and Towing and Labor coverage.
How a car insurance program can help to save on a car insurance policy?
Customers can save on the car insurance if they will shop with our different insurance carriers. Insurance prices are constantly changing from the insurance carriers. Therefore to pay less for car insurance it is recommended to the consumer to shop for insurance at every renewal. Generally, an auto insurance policy gets renewed either every 6 months or every 12 months. We can find the company which offers the best price and best level of service for particular customers and according to that customer’s insurance needs. In addition since sales force in the agency is state licensed insurance specialists, we are able to recommend and help to customize for customer’s right coverage, for customer’s particular needs.
What should I think about when buying a car insurance?
Here are some basic things to consider when purchasing car insurance. Initially, analyze the optional coverage you need. Secondly, find out best companies who are vying for your business. Make sure they are reputable and the price competitive. Now, purchase the amount of liability insurance that is appropriate for you.
What other forms of auto insurance are worth considering?
In the case of an accident where death or serious injury occurs, medical bills will need to be paid by someone. There are policies provided by our insurance companies that cover medical bills to the driver as well as his or her passengers. There is also physical damage insurance, collision insurance and comprehensive damage insurance which cover minor breaks or scratches that result from incidents not involving a collision, such as vandalism or hailstones. |
