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You won't hear this from the companies that do a lot of advertising! In fact, they will deny all of it. I know. I used to be one of them.
We are co-branded with Trusted Choice and the Big I. We align and leverage these organizations as a professional insurance agency to complement and give us an upper edge on different insurance programs not available to all agents.
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 work for you and our agents are NOT beholden to any one company!
You do not have to change agencies as your insurance needs change. We are consultants working with you to to make sure we keep up with your needs.
We do not charge a fee for our services.*
We are value conscious to your wallet to find the best companies, price, coverage and service.
We offer one-stop shopping for a full range of insurance products--personal, business and Medicare. You do not have to seek out different agents to get different products.
We can review your coverages periodically to keep up with your changing insurance needs.
Awesome!
*Excess & Surplus Lines Policies have Policy and Broker Fees
Spend hours answering repetitive questions over the phone with a whole bunch of agents
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! Sound familiar.
Ask Jim or Bonnie to quote your insurance. Call (702) 541-0882 to get insurance quotes from a lot of companies.
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.
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 therefore 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