Engagement Rings: Insurance Pros & Cons »
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
5360 N Mesa St Ste R18El Paso, TX 79912
Delma is by far the most professional Insurance Agent I've had the pleasure to work with. She is extremely efficient and responsive. She places your needs above her own and takes the time to share professional advice, enabling you to make truly informed decisions. Business owners (and leaders) s…
2931 George Dieter Dr Ste BEl Paso, TX 79936
I congratulate Infinite Insurance on their new beautiful office. They have been more thatn helpful to me in the success of my business. I wish them well and may they have many more years of success, they deserve it. Thank You Infinite Insurance.
1441 N Zaragoza Rd Suite 3-EEl Paso, TX 79936
From Business: The Service and Quality you Deserve. For over 10 years Farpon has been searching for companies that offer competitive rates and coverages at a price you can afford! Since 2006 Farpon Auto Insurance has been committed to helping customers in Texas and New Mexico in finding the best coverage, at the most affordable price. Fa…
6600 Montana Ave Ste JEl Paso, TX 79925
From Business: Did you know there’s a local GEICO agent in your area? A lot of people don’t, but it’s true! Daniel Lucas is your El Paso area local GEICO agent and is here to help you with all of your car insurance needs. Call his office at 915-779-2489 or stop by the office at 6600 Montana Avenue, Suite J for a free rate quote today. In…
201 E Main DrEl Paso, TX 79901
From Business: HUB International is a leading global insurance brokerage that provides a broad array of property and casualty, life and health, employee benefits, investment and risk management products and services.
El Paso, TX 79902
From Business: GEICO is here to help you with all of your car insurance needs. Call for a free rate quote today. In just a few minutes, you'll find out how much you could save with GEICO. We will be more than happy to tailor a car insurance policy to fit your needs, but be sure to ask about our other insurance products, too! Your local G…
1612 N Lee Trevino Dr Ste DEl Paso, TX 79936
From Business: Since 1928, Farmers stands as a symbol of superior service to our customers at every stage of life. We pride ourselves in delivering excellent customer service and making sure we help take care of your insurance needs. With 15,000 agents across the nation, not only can you depend on Farmers to better prepare you and your f…
3616 Mcrae Blvd Ste AEl Paso, TX 79925
Mr Boureslan is a great agent and is always there for assistance with your policy including general home owner advice. He and his staff are very attentive and always come up with a solution. I highly reccomend this agent for you insurance needs
12302 Montana Ave Ste 703El Paso, TX 79938
From Business: I’ve gotten to know many local families as an Allstate agent in El Paso. I enjoy being a part of the community, and building local relationships is one of the best parts of my job. I look forward to getting to know you and helping you to find the solutions that meet your needs.I’m committed to helping El Paso residents ass…
6801 N Mesa St Ste B206El Paso, TX 79912
From Business: Only an Allstate agent can give you a fast, free Good Hands® Coverage Checkup. You'll see what coverage you may need and what discounts you deserve. Drivers who switched to Allstate saved even more than before. Are you saving all you can? Please contact my agency today for more information.
5959 Gateway Blvd WEl Paso, TX 79925
From Business: American Agency Insurance has been saving their customers on insurance for over 20 years! We do this by tailoring each customer with the best company at the most effective cost. We have one of the highest customer satisfaction and retention ratings in El Paso. Call Us to get a low cost home and auto insurance quote today.
9900 Montana AveEl Paso, TX 79925
From Business: 24 Years Experience: General Liability Contractor Bonds Building And Contents Workers’ Comp Business Auto Contractors & Builders Employee Benefits Special Events & Sports Trucking & Warehouse Auto Repair & Service Day Care Facilities Restaurants Apartments
5640 Montana Ave Ste CEl Paso, TX 79925
This office has state certifide staff. All knowledgable in many fields of coverage and legal matters. No gimmicks just straight up front explanations in leimans terms. My parents hsvr been taken care of for years and always on top of the coverages because of the helpful staff …
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
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It's too bad that those so called friends are not truthful with you. I also have friends that work with the company and it is up to them whether they want to take a lunch or not. They are given a choice but most of them decline so they can leave early. The majority of the employees don't even work an 8 hour shift but I guess YOUR friends failed to tell you that too. As far as relationships on the side please tell me what company doesn't have this happen. The company can't control what happens outside of the office but I'm more than sure that these type of behaviors are addressed and discouraged from happening in the work place. My friend has worked here for a while and loves it. It is a fair company in which gives the employees the resources to grow with the company it's just too bad that YOUR friends don't see that. The opportunity is given to them in the palm of their hands but some people just don't like to WORK for it they rather it fall in their lap. Welcome to the corporate world nothing is handed to you for free only hard work and dedication will make you successful. So the next time you talk to YOUR friends maybe they should be the ones to open their eyes and dig down deep in their souls and really see the opportunity they are missing.
WOW! THIS IS A FIRST CLASS INSURANCE AGENCY FROM A TO Z. THE STAFF WAS SO READY TO HELP ME AND ANSWER ANY QUESTIONS I HAD, ITS THE FIRST TIME I FELT I ACTUALLY WAS INFORMED ABOUT THE COVERAGE AND INS I WAS BUYING. BTW THE OFFICE IS AMAZING WONDERFUL DECOR AND VERY MODERN I WAS OFFERED A BOTTLE OF WATER THE MIN I WALKED IN...REALLY NICE TOUCH! AS A STAFF MEMBER ATTENDED ME THE AGENT STEPPED OUT OF HER OFFICE TO GREET AND INTRODUCE HER SELF. AFTER A BRIEF CONVERSATION WITH MS. GONZALEZ I KNEW I HAD COME TO THE RIGHT PLACE! IF YOUR LOOKING FOR AN AGENCY WITH A POSITIVE ATTITUDE AND STAFF THAT ACTUAL KNOWS WHAT THEY ARE TALKING ABOUT...PLUS ALL THE PERKS THAT COME ALONG WITH BEING PART OF THE AGENCY...SERVICE SERVICE SERVICE...BUSINESS OWNERS HAVE REALLY DROPED THE BALL ON WHAT CUSTOMER SERVICE IS...THATS DEFINETLY NOT HAPPENING @ THE DELMA GONZALEZ INSURANCE AGENCY!
AS AN EMPLOYEE AT FRED LOYA INSURANCE AND AS A CUSTOMER I MUST SAY I LOVE THE RATES. CONSIDERING THAT I DONT GET ANY EMPLOYEE DISCOUNT, MANY OTHER INSURANCE COMPANIES WOULD NOT EVEN INSURE ME. NOT ONLY WOULD MANY COMPANIES NOT INSURE ME BUT IM IF THEY DID I WOULD HAVE TO PAY A $400 DOWNPAYMENT ANS SERVICE FEES TO COME!!! ****FAST CLAIMS SERVICE=MY CLAIM WAS RESOLVED WITHIN 10DAYS AFTER I FILED I HAD A CHECK SENT TO MY NAME!! IF YOU ARE LOOKING TO PAY LESS TO START AND NEVER TO PAY BROKER FEES CONTACT YOUR LOCAL OFFICE!!!! ***WE ARE LOCATED IN BOYLE HEIGHTS**** CORNER OF CESAR CHAVEZ AND HICKS AVE
Delma Gonzalez and her team were very helpful in helping me get my insurance. My goal was to save money on my insurance, but also make sure that I had the right coverage. They saved me money and were fabulous to work with. Delma is also very accessible. She is not one of those agents that signs you up and never speaks to you again. Her staff is also very helpful, courteous and professional. I'm glad I made the switch.
I have had tons of great customer service here at this agency. Everyone is very friendly and willing to help. I have moved policies over from other agents because of Flor and Assoc lowest pricing and nobody can beat their customer service! Michelle was our agent in producing our general liability and did a fantastic job. She made the transition very easy! I highly recommend this agency for your insurance needs.
i to have FRIENDS who work for FRED LOYA and they are NOT treated like SLAVES. they do have lunch breaks thats a FACT. they have GREAT customer service in all there offices here in AUSTIN, TEXAS. i have a calendar from FRED LOYA and i put it up at work and i ALWAYS tell people about this insurance company. KEEP UP THE GREAT CUSTOMER SERVICE AND GREAT JOB. FRED LOYA INS IN IN THE TOP 20 FOR HISPANIC'S BUSINESS!!!!!!
They offer great coverage at an even greater price. Delma Gonzalez offers discounts for a variety of reasons, helping keep my premiums low and affordable. I love that I deal directly with my agent and she educates me about the types of coverage that are available to me and the ones that would be ideal for my lifestyle. I am very happy with their customer service and fast response. With Delma, I'm taken care of.
i saw this agency on a bench ad called asked for a quote and found myself amazed by the price diffrence!!!!!!!!!!!! i recieved a quote with more coverage the i had with my last company and for less! it was awesome and i feel so much better knowing i have so much more coverage and im paying less...a huge thank you to Delma and her AMAZING STAFF! thankx guys hope you read this... Craig
I recently bought a car and my insurance doubled!! I called this office, since it is close to my work. The young ladies there are extremely helpful and helped me lower my premium with more coverage ! She even took care of cancelling my policy with my other company and gave me a discount for having an email. I would definitely recommend this agency to everyone.
Delma is by far the most professional Insurance Agent I've had the pleasure to work with. She is extremely efficient and responsive. She places your needs above her own and takes the time to share professional advice, enabling you to make truly informed decisions. Business owners (and leaders) should take a page from her book!
To mitigate the risk of loss, people purchase insurance policies from a company. When buying a policy, the person agrees to pay a premium, which is small, regular payment based on the losses that may occur. If the insurance provider determines there is a greater chance of risk as compared to the average policy, the premium is usually higher. Premiums are often paid monthly, and can add up over time up to be greater than the expense of replacing the insured item.
Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.
Selecting the right insurance involves careful research and evaluating many different options for coverage. This is why many people use an insurance agent to assist with making the right choice depending on their needs and financial situation. Agents often interview potential or current clients to get an idea of which insurance policies would benefit them the most. Based on their needs and individual risk, agents can often give potential customers a quote, which serves as a cost estimate for a specific policy. This is only a rough idea of what the policy will cost, because evaluating the risk associated with a given customer can take time. Insurance companies often compile an insurance score to quantify the risk an individual poses and calculate premiums accordingly. Credit scores play a major role in insurance scores, but past insurance-claim history is also taken into account.
While agents often specialize in a particular category of insurance, some sell several different types of insurance. Agents can work for a larger insurance company or operate independently, selling policies from several different insurers.
Almost anything of value can be insured to protect against loss due to a variety of circumstances. Insurance policies are very specific in the items they protect and in what event the policy holders will be reimbursed. Some of the most common insurance policies cover things we all use.
Millions of Americans drive a car to get from place to place each day, so it makes sense that auto insurance is one of the most commonly used types. In most states, the law requires drivers to maintain an active insurance policy on any car, up to a certain amount. Most car owners are required at minimum to purchase liability insurance, which protects against damage for which the policyholder is at fault. Liability insurance covers damage to property as well as any injuries sustained in an accident. It's important to note liability insurance only covers damage or injuries of others, not the policyholder themselves. In addition to liability insurance, car owners can also purchase coverage for their own vehicle and medical expenses in the event of an accident. For this purpose, liability, vehicle and medical coverage are often packaged together in a single policy.
Insurance can also be purchased for other vehicles, like motorcycles, ATVs, boats or RVs, and generally functions similarly to car insurance. Policies for alternative vehicles may have higher premiums if they are considered more dangerous, or might include other coverage options specific to the vehicle. Many companies that provide auto insurance will also offer coverage for motorcycles, ATVs, boats and RVs.
Your home, condo or apartment is probably the most valuable thing you own or otherwise pay for, so it makes sense to get it insured. Homeowners insurance is important not just for the security of the house itself, but for its ability to cover possessions inside the home as well. Many mortgage lenders also require an active home insurance policy.
Like auto insurance, homeowners insurance is typically bundled together with policies covering many different items or categories of items. The primary coverage type is for the dwelling, insuring the house itself and all structures attached to it. Policies may also cover property within the home, with premiums varying depending on the value of all assets. Personal liability may also be included for damage or injuries sustained on your property that you are responsible for, much like auto insurance.
Property insurance also may cover certain major events outside of your control. These are known as perils, and may include fire, flooding, natural disasters and other catastrophic events. You may want to purchase insurance against one or more of these perils if you live in a high-risk area. Flood insurance is an exception, however, and can be purchased through the government-sponsored National Flood Insurance Program. Your lender may require this if you live in a flood-prone area.
To help pay for medical expenses, many people rely on their health insurance. With the passing of the Affordable Care Act, almost every American is required to enroll in a health care plan, or they face a penalty. Health insurance works similarly to other forms of insurance, although it is probably used to cover expenses more often, since car accidents and home damage are relatively rare compared to doctor visits and the need for medicine. Health insurance also operates on a premium-deductible model, and policyholders can choose what level of coverage works best for their lifestyle. For example, if you visit doctors very infrequently, you may consider a plan with a low premium and a higher deductible. On the other hand, people who require regular medical care may wish to pay a higher premium in exchange for more coverage from their deductible. Dental and vision care are sold as separate plans and are not required by law.
When someone dies unexpectedly or is injured severely enough to be unable to work, it can be a financial disaster for their family or loved ones. Many people choose to purchase a life insurance policy to support their family in the event their regular income is suddenly lost. Life insurance comes in two basic types: term and universal. With a term life insurance plan, you pay a premium for a predetermined amount of time, usually 10 years or more. If you die at any point in that timeframe, your family receives a death benefit. If you're still around when the term is over, the coverage is canceled and you receive nothing. Universal life covers your entire life, and usually delivers a minimum benefit at death.
Travel insurance is available for individuals who want to protect against unexpected setbacks in the course of travel, whether it's losing luggage or medical treatment abroad. Travel insurance may prove particularly useful for people who travel a lot for work or often visit remote locations. Travel insurance can take the form of either specific or blanket coverage. Specific coverage is useful for covering only certain risks, like medical emergencies or unexpected trip cancelation. Blanket coverage may cover some or all of your expenses for your entire trip.
Pet insurance is a relatively new product that may help cover the costs of medical care for a dog, cat or other domestic animal. Medical care for animals can be very costly, particularly because insurance for them is rare. By paying into a premium, you can help offset the cost of unexpected emergencies as well as routine checkups and medication. While virtually unheard of a few years ago, pet insurance has become more popular as the cost of veterinarian care has continued to rise.
Umbrella insurance is extra coverage from liability for other insurance policies, usually home or auto insurance. Consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover. For example, most car insurance liability policies cover at least $25,000 per person or $50,000 per accident. But if the accident involves a very valuable car, or the victim is willing to pursue legal action, insurance may not even begin to cover the full cost. You may want to hedge your risk by purchasing umbrella insurance to add extra protection to your existing policy.
To receive a payout for an insurance policy, the policyholder must file a claim with the insurance company. The basics of the process are straightforward, but can vary depending on the type of insurance.
Claims Adjusters and Examiners
A claims adjuster or claims examiner is an employee of an insurance company, and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided. An adjuster inspects claims related to property damage, as in the case of auto or home insurance policies. Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.
How To Make a Claim
Filing an insurance claim can be stressful and confusing, but you need to begin the process as soon as possible to make certain you can recover your losses. It's important to note that in the case of emergencies, you should always call 911 first. The safety and health of yourself and others takes precedent over insurance.
Auto Insurance Claim: If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes at the scene. The most important things to record are what happened before the accident, the date and time, traffic signs in the area and road conditions. Also be sure to get the other driver's name, address, license plate number and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.
Homeowners Insurance Claim: In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.
Life Insurance Claim: Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.
Insurance is a wise investment, but it can make a dent in your monthly budget. Thankfully, there are a variety of ways to trim the fat off your premiums and make certain you are paying only as much as you need.
Shop and Compare
Perhaps the best way to save on any insurance policy is to take the time to compare prices between as many companies and plans as possible. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easier than ever before. Potential customers can often get free quotes online very quickly.
Buy Only What You Need
Insurance agents will often try to "upsell" on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash. It can help to create a budget and know exactly how much income you have to work with before making a decision on a new policy.
Take Advantage of Discounts
Insurance providers offer a wide variety of discounts for all kinds of special customers or circumstances. In one of the most basic discounts, many companies will offer lower rates for customers who purchase home, auto and life insurance policies from the same provider. Car owners may get a rebate from taking a safe driving course. For those with teenagers on their plan, good grades can earn a small discount as well. Insuring multiple cars with the same provider may also lower premiums. Some providers will offer lower rates for military personnel, federal employees, teachers, first responders and their families.