- What makes your insurance agency better than others in the area?
- I haven’t purchased a new car or had anything change with my car, would I still save money if I switched insurance?
- Why is it important to have another insurance agent look over my homeowner’s policy?
- My kid is going to college what should I do for insurance?
- What changes do I need to make to my insurance policy now that my teen is driving?
- What can I do to lower my rates?
- How do I know if I have enough insurance on my house?
- Why is my home insured for more than what I could ever sell it for?
- What is Liability insurance and what does it do for me?
Q: What makes your insurance Agency better than the other insurance Agencies around the area?
A: Christie Insurance Agency, LLC has more curriers to choose form than any other agency south of Rochester. More curriers = better fit for you!
Q: I haven’t purchased a new car or had anything change with my car, would I still save money if I switched insurance?
A: More of our customers find that even if they are not buying a home or auto we can still customize a package that fits their need better than what they already have with their current carrier.
Return to TopQ: Why is it important to have another insurance agent look over my homeowner’s policy?
A:At Christie Insurance Agency we take the time to get to know our clients. We look over your current policy to see if there are any areas that need to be changed. The biggest area we find is that people do not have enough protection weather it is on their Liability or on the physical damage portion. Most of the time, we can add more coverage to your policy and still get you a lower rate.
Q: My kid is going to college what should I do for insurance?
A: If your child is at college they can still be on your policy, this is going to be a lot better rate then if they were going to be on their own policy. Another option we can us if they are at college and they didn’t take their car with them is call student away at college. This leaves them on the policy but rates it accordingly.
Q: What changes do I need to make to my insurance policy now that my teen is driving?
A: We need to add them on the policy we have carriers that have better rate then others due. Most of our carriers have a good student discount. A few of our carriers have special teen driving package that can be very cost effective.
Q: What can I do to lower my rates?
A: Every carrier will take drives of different levels. We have carriers that take customers with not so good driving record. These carries do not rate as hard on this as some other carries would. We also have carriers that give great rate will customers with great driving records. Because we have several curriers we find the best fit for you. We also check the rate with all our carriers once a drive violation comes off your record this ensures you’re always getting the best rate.
Q:How do I know if I have enough insurance on my house?
A: We do a cost estimator on the home this give us the replacement cost of the home.
Q: Why is my home insured for more than what I could ever sell it for?
A: There are three different costs to value your home. The first is the value is market value, the value you would sell your home for. The second is what value you home is taxed for. These to value should be somewhat close in value, because there are both based on the market. The third value is replacement cost, replacement cost is the value of your home that we insure it for. When the economy is like it is today the replacement cost is higher than the other two values. This is because replacement cost is what it would take to rebuild your home. Today you cannot sell your home for what it would take to rebuild it.
Q: What is Liability insurance and what does it do for me?
A: Liability insurance protect against lawsuits. For example, you have liability insurance on your auto policy. If you were in a car accident and you were found at fault (Liable) you have to pay for the other people that were injured along with the property that was damaged (all other autos and any other property like street signs, homes, trees, phone poles…). As you can imagine this adds up fast. If the total goes over your limit of liability you have to pay for the rest. They can even garnish our wages until they get the rest of the money.