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Elizabeth Said:

For a car theft do i need to file claims with both my auto and home insurance?

We Answered:

Well it was the car that was broken into, so your auto insurance should cover it if you have full coverage. Unless your car was in your garage, then I don't know.

Craig Said:

What's the best place to purchase both auto and home insurance from?

We Answered:

I use State Farm and have for a long time. They aren't the cheapest, but have handled any claims without question and treated me very well. Good luck.

Danielle Said:

Is there an advantage to getting your auto and home insurance through the same company?

We Answered:

There can be. Most insurance companies offer substantial discounts on the policies, for having both policies with the same company - up to 40% off, depending on the company, the policy, and your state.

When you're looking at rates, ask to compare WITH a "companion credit" or "package credit" or whatever the name is that they call it. You might be VERY surprised.

One more thing - you ALSO should go check with complaints, at your state insurance department website. Here in Texas, Liberty Mutual has the highest percentage of "upheld complaints" - where they unfairly denied coverage, the customer complained, and the insurance commissioner agreed that Liberty Mutual was acting unfairly.

Bobbie Said:

Any Creative Marketing ideas for Auto/home insurance in California?

We Answered:

Since I am no longer in the Personal Sales line of insurance I am willing to give up what was successful for me. I am lunch and learn seminars to different business on insurance. In order to gain x-dates and further interest from potential clients I held a raffle at the lunch and learn with cards asking for their current home/auto carrier and x-dates. I got more bang for my buck. I would go into a business (realestate agency/mtg broker) and ask them if I could give a free insurance seminar on a topic I thought they would find interesting. A biggy right now is Identity Theft. I would take no longer than 45 min while they were eating lunch and give my seminar then after stay for questions. It is amazing how many leads you can get in a one time seminar. The real estate agents not only gave me their business but referred clients to me. Good luck and really just have fun with it. If you are in insurance sales you are more than likely a people person so enjoy. If you like golf like I did sponsoring a hole in a golf tournaments is also allot of fun and money well worth the spend.

Terrance Said:

If we repeal health insurance, can they do auto and home insurance too?

We Answered:

Exactly. If "they" did who in their right mind would get on the highways. Then what would you do if your house gets blown away by a tornado. Same goes for health care. If you have the money, you can drive without insurance, own a home and not worry about your health. But, if you are not wealthy, you better have auto, home, health and life insurance. If not and you don't, you shift the burden of your carelessness and ignorance on to all the other people that pay for insurance and or pay taxes.

No. You do not have the right to drive. It is a privilege given to you by the state. Yeah you can own a home and not have insurance. But if a guest trips over a light cord and breaks his neck you better have the money to cover his medical fees. No you don't need health insurance. All you need to do is live without ever getting sick or hurt and don't have children.