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IS THERE A SECRET FOR FINDING CHEAPER INSURANCE?
We are part of the Big I!
The Big I is a national association that empowers Independent agencies and their employees the tools, resources, advocacy and support to maintain excellence in business and customer service. The Big I has been around since 1896.
Why choose a local independent agent like All Risk Insurance Solutions agency? We represent more than one insurance company so that we can offer our clients a wider choice of auto, home, business, life and Medicare coverage. Did you know that independent agents are 46% more likely to be recommended than regular independent insurance agents!
We are Trusted Choice Recommended!
Trusted Choice is the premiere consumer brand for independent insurance agents and provides national advertising and other strategic tools to reach and influence consumers. The brand offers IA's greater consumer awareness by providing top quality resources to assist them in effectively marketing and advertising in their local marketplace.
How do you buy insurance now?
Spend hours answering repetitive questions over the phone
or
You just realized you answered a whole bunch of online questions on a lead generation site and now your phone will not stop ringing for months. After answering the phone a few times, you find out your information was sold to a bunch of agents from a lead generation company.
or
You spend hours answering repetitive questions on different insurance company websites over and over again. Now you have to figure out which phone call not to answer because a whole bunch of robo callers are calling you now.
How can All Risk Insurance Solutions simplify this craziness?
Ask Jim or Bonnie to quote your insurance. Call (702) 541-0882 to get a quote.
or
Send your declarations page on our secure contact us page. We will quote your insurance using that information. We will need each drivers' date-of-birth and drivers license.
How much is car insurance?
This is not always an easy question to answer. Insurance rates are based on a lot of factors like your location where your car is garaged, which coverage types and amounts your chose to have on your policy, and your driving history. The largest part of your premium costs are in the liability section. Insuring the vehicle is cheaper is next.
Since no two drivers are the same, auto insurance companies must look deeply into each individual's personal driving history to assess various risk factors when determining a car insurance quote. Companies may use factors like where you live geographically. What is that areas population density, crime rates, weather patterns? Do you drive in the city, suburban or rural areas? Are there a lot of people driving in that area which would mean more cars and traffic, which increases the risk of theft or accidents.
CAR MAKE AND MODEL
Your vehicle make and model affect how auto insurance companies calculate your premium rates.
ACCIDENT RATES
Driving a vehicle with a history of recent accidents will increase your auto insurance premium rates.
COST OF REPAIRS
Some vehicles' parts are expensive to replace. Some parts are hard to find with older vehicles.
DRIVING HISTORY
Insurers methodically weigh various elements of your driving history to determine how likely you are to file a claim. The higher your liklihood to file a claim, the higher the rate your insurance premium will be. Each insurer has its own way to determine each person's risk level. After the insurance company calculates their base rate, insurance costs are as unique as you ar. Therefore, insurance rate comparison tools are a sure-fire way to find the cheapest quote for the best coverage.
AGE
Younger drivers can exhibit reckless behavior on the road, like speeding or driving under the influence. This tendency, coupled with inexperience, means teen drivers pay more expensive car insurance premiums of any age of drivers on the road today.
After gaining safe experience on the road, age 25-30 is the age range that teen drivers start to see savings on their car insurance rates.
THEFT RATES
Living in a zip code with frequent incidents of vehicle theft and vandalism will cause your auto insurance rates to increase. Insurance companies break the zip codes down into territories and assign a risk level to each. The higher the risk level, the higher the premium. It is wise to check insurance rates before you move to a new location.
INSURANCE CLAIMS
Every insurance carrier has a different experience level of claims with each type of car. Some car models have a higher frequency of being stolen. Will every insurance carrier insure the same car for the same rate? Never. Driving a car model with a high number of claims, including fraudulent ones, will affect your premium rates.
ANNUAL MILEAGE
Your estimated annual mileage shows how much you are on the road, and theirfore how much risk you are at for an accident.
PRIMARY USE OF VEHICLE
Auto insurers also take into account how you use your vehicle. A vehicle used to commute to and from work or school will be more expensive to insure because you most likely drive
CREDIT SCORE
Almost every major insurer will use a driver's credit score as a rating factor when providing an auto insurance quote. The lower the credit scrore will create the higher insurance premium. Historically, drivers with a lower credit score are more likely to file insurance claims, thus presenting a higher risk to insurance companies.
OTHER FACTORS TO KNOW
Red flags found in your driving history, like speeding tickets, DUIs, previous accidents, are important to insurers. A minor accident or violation can increase your insurance rates for the next few years.
Drivers with an at-fault accident on your record poses a higher risk level to the insurance companies than those with a clean record. When you are at a higher risk, you will pay a higher premium.
The best way to find the cheapest car insurance policy is by comparing quotes from multiple insurance companies side-by-side and figuring out which company gives you the best deal. An agency that has a system to compare insurance company rates is the right place to go for a tailored car insurance comparison experience complete with discounts and coverage recommendations. Insurance coverage is very important. Agents will quote your insurance rates and explain how each coverage works. Their knowledge is immeasurable. They want to make sure if you ever get into an accident, you will have the right coverage at the right price.
Call (702) 541-0882
What is it like to be in an accident?
On 2/21/1983 Bonnie was on her way to go to a college class. Bonnie’s first car was hit by a dump truck in Youngwood, Pennsylvania in 1983. The guy who drove the dump truck was drunk. He ran a red light and T-Boned her brand new 1983 Plymouth Horizon on the passenger side. He actually killed someone after he hurt me. I wish he would have gotten help. They didn't have programs back then like they do now. I am grateful I was strong enough to survive. I am grateful to my Mother who had good insurance. I was in the hospital for 3 weeks. The medical costs were paid by the insurance. I believe that secured my future ability to live, work & earn an income. I was only 20. If I didn't have insurance and a lawyer, we would probably still be paying back all the costs that were involved.
My goal in telling you this is that I am on a mission to help you do the same thing my Mom did for me. Do you need good insurance? Cheap insurance is not always good but if that is what you need, we are here for you. You want good coverages at a good rate. That is the right way. If you are at-fault during an accident, your policy will pay first. If you don't have the right coverages to pay for the damages you caused, your assets could be at risk. I want to train everyone to protect their assssss-ets.
We live in a litigious climate. If you cause an accident, there is a 96% chance you would get sued. Having insurance is not the same thing as good insurance. My Mom did and I am grateful! Do you?
Thank you Lord for Protecting me and granting me the ability to live to help others, even truckers.
About Jim and Bonnie Grant & their Agency
Jim and Bonnie Grant met in 1996 and married in 1999 in Houston, TX. Jim was a Automobile Claims Adjuster for Progressive Insurance. In 2003, Jim was recruited to become the State Claims Property Manager for Farmers Insurance for the Southern Region of Arizona. He managed a large team of Claims Adjusters in the Homeowner Division. They packed up and moved to Mesa, AZ! The good thing about his experience is that Jim can help you in your time of need. Most Insurance Agents don't know what to do or take the time to help you. They only want to sell you.
While in Arizona, Bonnie began her career as a Mortgage Lender with Wells Fargo Home Mortgage in Apache Junction, AZ. Jim got promoted to become the State Claims Manager for Farmers Insurance for the whole state of Nevada. So they both moved to NV in 2006. Bonnie remained with Wells Fargo Home Mortgage.
When the housing crash hit in 2009, Bonnie had to find another career. As you see below, Bonnie’s first experience with auto insurance was when she was involved in a major accident with a dump truck in Youngwood, Pennsylvania in 1983. The dump truck ran a red light and T-Boned her on the passenger side of her brand new car--her first car. My life story IS Survival. I was in the Westmoreland Hospital for 3 weeks and 2 hours. I sustained a concussion, multiple spinal fractures and my right arm sustained compound fractures. If I wasn't a body builder back then, I don't know that I could have made it through that. One of the bad things that happened. Now that it is 38 years later, I am healthy today. I had great doctors and nurses to helop me succeed. Thank you.
The lifetime injuries gave me an idea in 2009. I got an AHA moment and figured I could use the auto accident experience to help others. I became an Insurance Agent to make sure others had good insurance that gave me the ability to survive, just like I did and still do.
My goal is to help as many people get good insurance so that they can have the same fate I did. Pictures are below.
It's clear. IF my Mom didn't have the right car insurance with the right policy limits, I wouldn't be here today. Thank you Mom. I got the right doctors and hospital care that I needed. This accident could have ended my life and my financial future. I would never ever want anyone to be in a situation without good insurance. I got the care to earn a healthy income and have a healthy life. Do you have the right insurance? I don't know. Let's meet.
In 2009, Bonnie began as a captive agent with Farmers Insurance. The Agency was doing so well that Jim left the Farmers Insurance Claims Department and joined her in 2010. They loved being an Agent with Farmers but they felt like something was missing. They only had one product. They only had Farmers products. If our customers rates changed or their underwriting rules changed, they didn't have any other options for their customers. Actually one of the options they had was to lower the customer’s coverages. That was not fair to the customer because if an accident happened, they would have less coverage. A lot of times customers would cancel their life insurance policies because they couldn’t afford their car insurance. That wasn’t fair to anyone. They felt limited.
Jim and Bonnie learned that by becoming an Independent Agent, they could quote with more than one insurance carrier at a time. This gave the customer more options. If their rates changed, now they could just quote with another company. So they started a new agency. They called it All Risk Insurance Solutions, Inc.
Bonnie and Jim can now find more ways to better serve their customers. Now they are connected with 40+ different carriers—not just one! That really does deserve an exclamation point!
This opened up a whole new world, not only for them, but for their customers. Bonnie and Jim can bind and issue insurance for personal insurance, business insurance, life insurance, and Medicare products.
The definition of Insurance is risk. We want to provide solutions. We want to be your husband/wife insurance agent--just like the good 'ole days.
The definition of solutions is a means of solving a problem or dealing with a difficult situation. That is how we found the name. We have solutions to insure All Risks to protect what is yours and keep it that way. Insurance gets you back to where you started when a risk or accident occurs.
While at Farmers Insurance, Bonnie & Jim won many awards including the Blue Vase Award in 2009, the Topper Club 2011, 2015 and 2018 and the Championship Award in 2012 and 2014. Bonnie also earned the prestigious LUTCF Designation in Estate Planning. She believed that it is important to help everyone get their will and life insurance. She became a Fellow of the American College.
In our spare time, we love to take our ATV into the desert, play pool, watch movies, go on road trips, and hike in the mountains around our home. Unfortunately, Bonnie and Jim do not have kids because that truck hit her hard enough to not allow her. So they have always had fur babies as children. Our current dog is Mollie, A Cattle Dog, Bordie Collie that we saved from the pound.
Swipe to the left to see our family
