Personal Lines Insurance
CCI Underwriters, Inc offers a full range of personal lines insurance coverage for all your individual needs. Our Personal Lines Insurance Department offers professional and personalized services at your convenience.
We represent a multitude of excellent, financially sound insurance carriers offering the following coverage's:
· AUTOMOBILE - All types of personal automobile insurance, including snowmobiles, motorcycles, RV’s, etc. We even have special programs for problem drivers offering rates lower than the Assigned Risk Pool.
· HOMEOWNERS INSURANCE - Including primary residences, summer homes, waterfront property, apartments, condominiums, and cooperatives.
· PERSONAL UMBRELLAS - We offer high liability limits over and above your primary general, automobile or watercraft liability policies in order to properly protect your personal assets.
· WATERCRAFT - Insurance coverage is available for all types of watercraft from canoes and rowboats, to motor boats, sailboats and yachts. We also have special programs for jet-ski’s and other types of recreational watercraft.
Some people think it doesn't really matter where they buy their insurance. But this misconception could be costing them money, service and protection. Buying insurance isn't like buying bread or milk.
Insurance is an important safety net for a family, a car, a home, or a business. Don't treat the purchase lightly!
What information do I need to give to my agent or company?
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Your agent will ask you what make and model cars you own, roughly how many miles you drive each year, and what kind of liability coverage you will need. The agent will also want to know how many people drive the cars, how old the drivers are, where you live, and driving records of each household member.
The agent will then ask more detailed questions about your cars, such as their Vehicle Identification Numbers (VIN), whether they have passive restraint systems or air bags, anti-lock brakes or anti-theft devices. If you already have another insurance policy with the company for home or life insurance, you might receive a discount on your auto policy. You should also mention if you or other drivers in your household have completed safe-driving courses and if student drivers in your home are getting good grades—both of these may qualify you for discounts on your auto policy.
Once the agent has assembled all of the information, he or she will quote you a premium. The premium will depend on all the factors above and on the deductibles you choose.
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What information do I need to provide to my agent about my home?
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Your agent will ask you what kind of home you own or rent, roughly how much your possessions are worth, and what kind of liability coverage you will need. The agent will also want to know how many people live in your household, what pets you own, and the general condition of your house. You should also tell him if you own any particularly valuable items that might need special coverage called a floater.
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How do I choose an insurance company?
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There are many insurance companies, so choosing between them can be a challenge. Here are the main points to keep in mind when selecting an insurance company:
- Licensing
Not every company is licensed to operate in each state. As a general rule, you should buy from a company licensed in your state, because then can you rely on your state insurance department to help if there’s a problem. To find out which companies are licensed in your state, contact the state insurance department.
- Price
Many companies sell insurance policies and prices vary greatly from one to another, so it really pays to shop around. Get at least three price quotes from companies, agents and from the Internet. CCI quotes all our companies to give you the best rate.
- Financial Solidity
You buy insurance to protect you financially and provide peace of mind. Select a company that is likely to be financially sound for many years, by using ratings from independent rating agencies. All the companies we represent are rated "A" by AM Best.
- Service
Your insurance company and its representatives should answer your questions and handle your claims fairly, efficiently and quickly. You can get a feel for whether this is the case by talking to other customers who have used a particular company or agent. You may also want to check a national claims database to see what complaint information it has on a company. Also, your state insurance department will be able to tell you if the insurance company you are considering doing business with had many consumer complaints about its service relative to the number of policies it sold.
- Comfort
You should feel comfortable with your insurance purchase, whether you buy it from a local agent, directly from the company over the phone, or over the Internet. Make sure that the agent or company will be easy to reach if you have a question or need to file a claim.
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