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…
1511 W Martin StSan Antonio, TX 78207
I haven't had the privilege to use the bail bond service at Copa but I have had the privilege to be assisted by Alfonso-and he's great. Very personable, professional and knowledgeable. I would definitely recommend his services!!
10725 N Interstate 35San Antonio, TX 78233
From Business: Your Premier San Antonio Movers. Top-Notch Moving in San Antonio with All My Sons San Antonio Moving Company. All My Sons Moving & Storage, San Antonio is the source for all of your moving and storage needs. Our family-owned San Antonio moving company has been managing moves like yours for over four generations, and we are…
601 Embassy OaksSan Antonio, TX 78216
Ryan Hardgrave and Insurance One Agency have been our insurance providers for several years now and I can't say enough good about them. Ryan saved us hundreds of dollars when we changed our insurance policies over to Insurance One Agency. As a business owner, above standard customer service is a…
21703 Encino CmnsSan Antonio, TX 78259
The place is very secure and very clean. The security camera system that Jerry has AND watches really ensured us of keeping our stuff there. I really liked the fact that they didn't try to sell me and ""over priced"" lock for our storage unit. Also getting to use the rental truck free was anothe…
24165 W Interstate 10 Ste 220San Antonio, TX 78257
I just started my business and needed business insurance to comply with a bid request. Mr. Smith helped with the business insurance policy that I needed...i was so confused about what I needed and they made it easy. They also connected me with a few leads! \r
25890 US Highway 281 NSan Antonio, TX 78258
Jimmy and his team took care of my moving needs taking me from 1800sq ft to a little over 2300sq ft. His crew worked fast but took the time to ensure that everything was handled safely. Biggest concern with moving is furniture getting damaged, but I can honestly say that they took the time and p…
8700 Crownhill BlvdSan Antonio, TX 78209
Kelly Morgan of US Health Advisors is our Agent and both she and the company are TOPS in our book. Kelly really spent the time to make sure we understood our benefits and how to use them. We opted to get the extra thing that helps to pay our deductible should anything bad happen, which is awesom…
San Antonio, TX 78224
We just moved to our new place with the Almighty Movers. I found out about them on Yellow Pages, and I thought someone else can do the same. They are professionals, their prices are reasonable, they can give you a flat rate (this is what I did), and they are very careful. They loaded the truck, …
8000 W Interstate 10 Ste 675San Antonio, TX 78230
Great job at explaining coverages on my home policy. I got better coverages at a significantly better price. I got better coverages on both my house and my cars and am actually paying less.
1354 Basse RdSan Antonio, TX 78212
With the ongoing changes in Medicare insurance plans, I was looking for an agent to advise me on the best plans for the coming year. I don't like to deal with a company that is only on-line without any personal contact. I found Texas Medicare Solutions though a Google search, and contacted th…
11919 Warfield StSan Antonio, TX 78216
We got the number off of one of the A & B Moving truck that we saw in our neighborhood. We gave them a call because we needed to move out of our home into our new home. We got a free estimate, a gentleman came to our home and explained all polices and procedures on how our move would be ha…
3439 Fredericksburg RdSan Antonio, TX 78201
Pronto Insurance not only has great prices but the customer service is awesome! As soon as you walk in the door they greet you with a smile and such sincerity. Unlike other places i've been to where the greetings seem forceful. I will definitely recommend my friends to Pronto Insurance.
1383 E Bitters Rd Ste 1San Antonio, TX 78216
Really love the staff here! I work mostly with Jake, and he's been responsive, polite, and very attentive. No experience with any other agent in town- David Ison Insurance's office was the first I called for a quote where I got the best price from five different insurance companies. This compa…
8228 Bandera RdSan Antonio, TX 78250
When I first went to see doctor Schultz, I could barely walk. The man was helpful and cheerful, and got me able to at least move a little without pain. I only missed work on the day I laid out to find help. His caring staff, and at his craft has given me relief and ever increasing mobility. Advi…
255 E Basse RdSan Antonio, TX 78209
Health Insurance Quote Finders offer a valuable service. It is so easy and convenient to have them find the right health insurance for you. They did a wonderful job of matching my health care needs with the best insurance at the most affordable price.They were a pleasure to do business with …
16520 San Pedro AveSan Antonio, TX 78232
A great bank. The membership that I received through my Grandfather is just another thing I'm thankful that he passed down to me. They offer some of the best rates and services around. Membership is difficult to obtain, but highly valued.
14989 Judson RdSan Antonio, TX 78233
When I moved to San Antonio TX from southern NJ I thought I would have H**L finding a place to store my things. Having been on a very long trip all I could do was hope to find a good place. I ran across Judson Storage and ventured in to me a very nice lady named Lecia Frigo. She helped me with a…
00 E Market StSan Antonio, TX 78205
The team at this office has been outstanding with conducting business with me. They took the time to find me the best rates for insurance and help me get what I really needed for the price that I wanted. It was for car insurance. That's got me interested in future opportunities. Overall. Since I…
9115 Kings HbrSan Antonio, TX 78242
I contacted American Van Lines in September to schedule a move. As the moving coordinator and I had planned, my move took place in early October and the movers who assisted were Alex, Matthew and Eric. I relocated from San Antonio, TX to Tampa, FL and I am glad to say the entire project went off…
2379 NE Loop 410 Ste 114San Antonio, TX 78217
From Business: As your personal Farmers Insurance agent located in San Antonio, I believe in keeping you informed of ways to protect what's important to you. Whether you're looking for auto insurance, homeowners insurance, life insurance, or specialty coverage, Farmers Insurance will help you select the right products to fit your insuran…
434 N Loop 1604 W Ste 1203San Antonio, TX 78232
From Business: I’ve gotten to know many local families as an Allstate agent in San Antonio. 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 San Antonio resid…
10722 Potranco Rd Ste 106San Antonio, TX 78251
From Business: As an Allstate Agent in San Antonio, I know many local families. My knowledge and understanding of the people in this community help me provide customers with an outstanding level of service. I look forward to helping families like yours protect the things that are important - your family, home, car, boat, and more.
6100 Ingram RdSan Antonio, TX 78238
From Business: Gate Hours: 7 Days From 6:00am - 9:00pm. * Month-to-Month and Long-Term Storage Unit Rental * Climate Controlled Units Available * U-Haul Truck Rental * Parking for Automobiles, Trucks, Recreational Vehicles, Boats and Trailers * On Site Managers * 24-Hour Recorded Video Surveillance * Computer Controlled Gate Access - Ind…
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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I am a local independant insurance agent in the Dallas Metroplex. We represent many insurance companies and have found Pronto to be in our top three chosen by our clients. The major insurance companies require a credit check when purchasing auto insurance. Times have been tough and many of our clients credit scores have been bruised by the economy. Unfortunatly, as the credit decreases in score, the seesaw effect occures with an increase in the renewal premium. Pronto does not credit score. We have moved many of our clients to Pronto with great success. Claims? Yes they occur. Our office is contacted immedietly after a claim by a Pronto represenative. I appreciate this act, most of our other companies do not notify us. This month, Jan. 2011, we have had 3+ claims with Pronto clients. All were handled professionally and we had only praises from our clients involved. Realize that it is the responsibility of the insured to respond back to all calls from claims represenativies. Many claims are "dragged" for long periods of time do to the neglect from all parties involved. "Slow down and pay attention", we will all live longer....
I've had quotes from many companies, including Progressive, State farm, Allstate along with others. Nobody even comes close to touching the great rate I pay at Pronto. I have all the coverage I need at half the rate of most other companies. I was involved in a collision a few months ago, where I was sitting at a red light and was the 2nd in a 4 car collision (Not my fault obviously) Pronto was quick to respond and within a few days, I had a check to cover repairs. They also went after the responsible party to attempt to get me reimbursed for my deductible, but was unsuccessful. This was not their fault, it was due to the responsible party basically skipping out on the whole thing. The point is, that they kept me in the loop throughout the whole process and were very helpful. With such great rates and service, why would anyone go elsewhere for their auto insurance?
I have to say my first time there and they make you feel like you are very welcomed they don't treat you like your business they treat you like family the manager patty was very nice and the gentleman who is in there was as well as Nice I like how they took the time to show you the storage unit u can get a idea On how you can store your items other places I've been to talk to you and show the storage unit on paper and feel they want to sign you up right there I felt very welcome at Lockaway storage the one patty manages she's a very sweet woman and a gentleman that's in there is a very sweet gentleman as well I look very forward to doing business with them And I feel my belongings will be very safe.
The above review by angelaford is actually a review of Alamo City Movers (original review posted here: http://sanantonio.citysearch.com/review/36887369?reviewId=20763181). Alamo City Movers used to be one of our tenants but they moved out a couple of years ago and I believe they are out of business now. I believe the review was connected with Alamo Mini-Storage because of the similar address. Angelaford's experience in no way reflects on the business practices of Alamo Mini-Storage. Steve Rogers General Manager 210-513-8620
I was in need of several different types of insurance coverages during the Christmas holidays. Joseph C was very accommodating. He went out of his way to get me the coverage that I needed in a short period of time. This was not an easy task during the holidays due to the reduced staff at the main headquarters. The ladies in the office were also very freindly and helpful. Joseph C. was VERY accommodating. He went out of his way to get the coverages that I needed in a short am8unt
We had USAA Automobile Insurance, and we NEVER should have switched to another! When we were in an accident, they took car of EVERYTHING, from the rental car, to the other people's insurance...it was WONDERFUL! I'm just now appreciating what a wonderful agency they have, now that I'm having to deal with Geico insurance. We switched since Geico was cheaper, but now we're paying for it in the long run. We miss you USAA, and we'll be back soon!
These place has a great selection of gifts, and unique items that you will not find anywhere else, the staff is friendly and ready to assist when you walk in the door. They have a great selection of products and services they are so much more than mailboxes, best part is that I don't have to go to the post office any more since they handle everything. Great job and really nice store Keep up the good work Mark
I was transferred to Ed's Agency when my old agent retired. Never even met the old one, but established a relationship with Ed immediately when he contacted us to let us know of the transfer. He also reached out to my family and me and helped during a particulary rough time we had dealing with a claim. He went the extra mile to help us get things resolved. I am a client for life now. Highly recommend.
Michele and her team have been an excellent support to have on our side. Michele personally found cost saving options for our family and helped make sure we were protected in case of an accident. She always remembers us and is nothing but the best, even when we brought in our fussy little babe, ready for his nap! She is a very knowledgeable and smart financial advisor and solution maker.
The team at this office has been outstanding with conducting business with me. They took the time to find me the best rates for insurance and help me get what I really needed for the price that I wanted. It was for car insurance. That's got me interested in future opportunities. Overall. Since I've been here, I always walk and drive with a smile. Thank you Auto Insurance San Antonio!
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.