With a Direct Writer. These are companies like Allstate or State Farm. They are sometimes called captive agents or exclusive agents. Their agents are either employees or “exclusive agents” who only offer that particular company’s products. While they often offer good insurance solutions, they typically can not shop around for other opportunities which may better suit consumer needs.
With an independent agency. Typically, an independent agent can offer a variety of insurance products from different insurance companies, they work for you. This allows them to have a wide variety of options to suit every customer’s needs. This option provides more resources to find coverage that best suits customer’s personal situations.
Independent agents can do important things for you
With an independent insurance agent, they are your legal representative, your agent. They are licensed by your state and carry with them the responsibility to be your advocate. These agents put your interests first over and above their own, or the insurance company. Independent agencies work for you.
Shop for you. Many people think they are saving money by going direct, but that typically isn’t the case. Independent agents look for the best combination of price, coverage, and service. Agents have the ability to quickly check competitive prices of different insurance companies. These insurance agents will help you get the best insurance value for your money.
One stop shop. Independent agents are a one-stop-shop for all of your insurance needs. Typically, an agent will sell more than just auto insurance; they will sell homeowners, renters, boat, motorcycle, life and business insurance. Use these agents – at no cost to yourself – to handle all of your insurance needs in one place, it’s that simple.
Be your expert. Insurance can get complicated, but it’s an agent’s business to understand it and communicate it to you in order for you to understand it also. Each state has different coverages that may look the same at first glance, but on closer examination things work out differently. Independent agents get you information quickly in order to save you time.
They work for you. With an independent agent, you will get personal service and advice from highly-trained professionals who have your best interests in mind. This agent will provide you with personalized claims service; you will not have to talk to someone who does not understand you or your claim. Your independent insurance agent is there for you when you need assistance and can act as an important resource for you during the claims process.
If you’d like to know more about insurance solutions from an independent insurance agency covering New Hampshire and Maine, please reach out to us. We’d love to answer any questions you may have. Www.keslarinsurance.com 603-273-0953.
You have a young driver in your household who gets in a car accident causing injuries to people in another car. If you have typical auto insurance, liability limits of $100,000 per person and $300,000 per accident, how far do you think the $100,000 will go? Particularly if the people involved suffer injuries that keep them from working for months or years. The accident victims could sue you for medical bills, lost income, or pain and suffering. In this scenario, $100,000 is not nearly enough coverage.
In this situation, say you are hit with a judgment for $250,000 in the case of one person involved in the accident. Your auto liability insurance will cover the first $100,000 and you are stuck with the rest. This doesn’t include the legal fees you will have to pay your attorney. In some cases, you might have to pay all of part of the legal fees the other party or parties incur.
So how do you protect yourself?
Umbrella insurance covers many things that auto, homeowners and renters policies do not. This type of insurance is inexpensive and versatile. Typically, you can buy umbrella insurance policies with $1 million limits for $200-$300 a year. So, for only a few hundred dollars, you can increase your per-person liability limits 10 times, 20 times, even 30 times and it applies to both you auto and homeowners or renters policies as well. An umbrella policy may seem unnecessary, but it really isn’t, especially for people with homes and other significant assets to protect. Umbrella insurance sits on top of your auto and homeowners or renters liability coverage, and is usually a cheaper option than increasing the limits on your auto insurance and homeowners insurance. Plus, you get the additional “personal injury” coverage that isn’t available in your auto and homeowners or renters policies.
Want to know more about Umbrella insurance in NH or ME? Feel free to reach out to us and we’d be happy to explain it further. Keslar is a full service independent agency located in NH and ME offering residential and commercial insurance. Www.keslarinsurance.com 603-273-0953.
Here’s a question we get asked a lot “If your car’s back tailgate window breaks, is it covered as part of your auto insurance?”
In most cases, if your agent has added glass coverage to your auto insurance policy, then you are covered for all the glass in your car, not just the windshield.
Many customers believe that glass coverage on their policy only covers the front windshield and haven’t filed claims for damage to any of the other windows, including the side and back windows. It is important to check with your agent to see if you have this coverage.
Does a glass claim impact your auto insurance rates?
As consumers, most of you know that a collision claim against your insurance policy will adversely affect your premium, which is usually true. Typically, many glass claims fall under the “comprehensive” section of your policy, also called “other than collision’, which includes losses such as hitting an animal, fire, wind, falling objects, hail, theft, or vandalism. In most cases, this type of claim doesn’t impact your auto rates. With that being said, the rating systems are very complex and can factor in hundreds of variables; one of those variables being claims frequency. This means that your insurance carrier may be looking at all claims including comprehensive and glass claims over a period of time, generally 3 to 5 years. As a result of this, while a comprehensive claim may not have a direct charge; it can determine eligibility and rating tier. This could ultimately affect your overall premium.
We are happy to help answer any insurance questions you may have as the insurance industry gets more and more complex. As independent insurance agents, we can advise you on what the insurance companies are looking for in their rating, what you can do to keep your insurance premiums in control and what companies might be a good fit for you. Call us today if you have any questions regarding your insurance coverages, we are happy to help. Feel free to reach us at www.keslarinsurance.com or 603-273-0953.
Many people do not realize that they have medical payments coverage on their auto insurance. These coverages are very important, and can be very helpful to you financially, if you do have an incident that pertains. Some scenarios where medical payments coverage may kick in to help cover expenses:
Passengers are hurt while driving, or a family member is driving
You’re injured as a passenger in someone else’s car
You’re struck by a car while walking or cycling
You require dental care after an accident
You require extended nursing services or hospitalization while rehabilitating
You require prosthetic limbs
What about that health insurance you already have?
In some cases, this auto insurance coverage can:
Help cover your health plan’s deductible.
Help cover things that aren’t included in all health plans. If you have Medicare or Medicaid, for example, medical expenses related to a car accident may not be covered.
Kick in after your health insurance limits are exceeded, or if your health insurance plan doesn’t cover injuries related to car accidents.
Examples of how medical coverage works:
Example 1: You’re driving in your lane when an out-of-control SUV runs you off the road. Your car looks fine, but your arm really hurts after it hit the steering wheel. Your wife, who was riding with you, hit her forehead on the side window and now has a huge lump and a bad headache.
If you chose Medical Payments coverage and selected a $2,000 limit, your insurance would likely pay the $1,000 charge to have your arm x-rayed and the $750 for your wife’s doctor visit. Since each of your expenses was less than your $2,000 per-person limit, Medical Payments coverage could possibly cover those costs.
Example 2: Your daughter accidentally slams the car door on your hand. Fortunately, you selected Medical Payments coverage with a $1,000 limit. Your total bill for an x-ray and cast is $1,500. Medical Payments from your auto insurance will likely cover $1,000 of the bill, and you will be responsible for the remaining $500.
If you’d like more information about Medical coverages that are part of your current auto insurance policy, please reach out to your licensed agent or please feel free to call us at www.keslarinsurance.com 603-273-0953. We’d love to help.
In addition to being licensed in NH, Vice President of Keslar Insurance Agency, Lisa Keslar, is now licensed to offer P&C insurance in Maine. “I’ve really enjoyed supporting our clients in New Hampshire,. Now, I’m excited to be able to serve the Maine market and provide insurance solutions for property, hazard, homes, autos, boats, snowmobiles, motorcycles, ATV’s and businesses,” said Lisa Keslar.
At Keslar Insurance, we strive to provide New Hampshire and Maine residents and businesses with quality insurance products and very reliable services. We offer home, auto, commercial and life insurance coverage that you need, making sure you have the right products, from the right carriers, at the right prices to protect what is important to you. Being an independent agency, we work for you and work hard to make sure we are an effective insurance resource for you. Whether you have simple insurance questions, you’d like a quote, you’d like to manage changes to your insurance or deal with a claim, we are here to take care of all of your insurance needs.
Keslar Insurance Agency, a full service independent insurance agency located in Newmarket, NH is excited to announce that we now provide full online home and auto quotes for people living in NH or ME. By providing customers with a free quote directly from our website, we are able to assess your home and auto needs and match you with a carrier that will work best for you. The process of requesting a quote is near instant, easy and convenient. Keslar Insurance Agency is an independent agency that works for you; we work with a wide range of insurance carriers to find you the best coverage at the lowest rate by comparing policies from multiple carriers. Getting an insurance quote doesn’t have to be difficult, visit our website today to receive a competitive quote to protect the things that are most important to you http://www.keslarinsurance.com/.
Keslar Insurance, is happy to announce that they now offer a full Customer Service Center on our website for all of our clients. It provides customers with 24/7 access to personal policy documents and policy ID cards, allows individuals to add claims information, and provides easy access to policies from anywhere. Customers can take advantage of this online center and have the ability to print and share confidential documents online in a secure and easy way. You can request information updates and policy changes, and view coverages being offered; you can quickly expand policies to see details of the coverages. This service included on our website makes sure that you are safe and that your privacy is protected; logins are verified and unique each time you log in to keep your personal documents and information secure. The Customer Service Center offers a safe environment for individuals; personal information is safe and you can feel at ease when navigating through our site or submitting information for an insurance quote. “Our goal is to provide our customers with cutting edge technologies and service. This new web-based Customer Service Center is one more way we can make our customer’s lives simpler” said Lisa Keslar of Keslar Insurance Agency. To learn more about our online Customer Service Center, visit our website today: http://www.keslarinsurance.com/customer-service.html.
Keslar Insurance Agency of Newmarket, NH has become a direct agent of the Foremost Insurance Group of Companies, headquartered in Caledonia, Michigan. As a Foremost agency, Keslar Insurance will offer customers a wide range of insurance products in NH and ME.
Foremost has been a leading insurer since 1952. Foremost offers home, umbrella, manufactured home, motor home, travel trailer, dwelling fire, specialty homeowners, motorcycle, snowmobile, off-road vehicle, boat, personal watercraft and collectible auto insurance programs that can be customized based on what coverage individual customers want.
“With Foremost, Keslar Insurance Agency is even more capable of providing customers the insurance products and the coverage they want, for the things that are important to them” David Keslar said. “I urge all my friends and customers to call me if they’re in the market for insurance for any of these products.”
We are very excited to introduce our new marketing Intern Becky MacDougall. During the next few months, she will be applying her marketing skills in everyday tasks such as assisting with all marketing communications including pr, social media, and web content. Becky is a senior at the University of New Hampshire, studying Communication with a Business Applications Option. She is very interested in learning more about how a business is run and how to apply successful Marketing strategies to further awareness and credibility around Keslar Insurance. We look forward to working with Becky this fall semester.