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Auto & Home – Why IndependentPaul Cardenas – Total Insurance Services Inc
When You Have Options,You Can Save Big!Think about how much you currently pay each year for your auto andhomeowner’s insur...
Total Insurance Services, Inc.Auto & Homeowner’s Insurance• We use one of the largest comparativequoting systems with mult...
Auto & Homeowner’sInsurance Fast Facts$789 — the national averageauto premium164% — the percentage of homeownerswho are un...
One Size Doesn’t Fit AllHow much can you save just by shopping around?Whatever your driving record or background, getting ...
Example 1:Bob has no accidents or violations in the last three years.Note: All premiums shown are for personal auto insura...
Example 2:John has one traffic ticket in the last three years.Note: All premiums shown are for personal auto insurance pro...
Example 3:Jim has one traffic ticket and one at-fault accident in thelast three years.Note: All premiums shown are for per...
The Choice Is SimpleShopping around for the best auto andhomeowner’s insurance just makes sense!It’s your money — why not ...
Auto Insurance QuotesWhat you’ll need:• All drivers’ Social Security numbers• All Vehicle Identification Numbers (VINs)• D...
Homeowner’s Insurance QuotesWhat you’ll need:• The year your home was built• Square footage of your home• Type of security...
Call Paul at (815) 991-7121 or email paulc@totalinsurancepc.comIt’s your money – start saving it!
Notes1 www.smartmoney.com, June 8, 20112 www.consumerreports.org, October 2011
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Independent auto & home

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Independent auto & home

  1. 1. Auto & Home – Why IndependentPaul Cardenas – Total Insurance Services Inc
  2. 2. When You Have Options,You Can Save Big!Think about how much you currently pay each year for your auto andhomeowner’s insurance. What if there were a way to potentially puthundreds of dollars back into your pocket?That’s where an independent agent and the power of choice come in!• Unlike other agents, is not beholden to any one company; thus, you dontneed to change agencies as your insurance and service needs change.• Is your consultant, working with you as you determine your needs.• Offers you a choice of insurance plans and programs.• Is a value hunter who looks after your pocketbook in finding the bestcombination of price, coverage and service.• Offers one-stop shopping for a full range of products-home, renters, auto,business.• Can periodically review your coverage to keep up with your changinginsurance needs.• Customer satisfaction is the key to an independent agents livelihood.So, serving you is your independent agents most-important concern.There Is A Difference!
  3. 3. Total Insurance Services, Inc.Auto & Homeowner’s Insurance• We use one of the largest comparativequoting systems with multiple top nationalinsurers• Auto insurance savings can be hundreds ofdollars per year or more if combined withHomeowner’s insurance• Most clients will qualify for coverageWhat could YOU do with afew extra $hundred$ each year?
  4. 4. Auto & Homeowner’sInsurance Fast Facts$789 — the national averageauto premium164% — the percentage of homeownerswho are underinsured2Experts agree: Shopping around is the best way to get the best deal!―As with anything else you buy, whatseems to be the same product can havedifferent prices…You can save money bycomparison shopping.‖– Money.CNN.com, viewed October 17, 2012
  5. 5. One Size Doesn’t Fit AllHow much can you save just by shopping around?Whatever your driving record or background, getting quotesfrom multiple carriers makes a difference in how much youend up paying for coverage.For example:Bob, John and Jim are all single,live in the same town, drive the same car,have been licensed the same amount of timeand drive the same annual mileage.However, they each havedifferent driving records.Take a look at how this difference affects their rates from various carriers.
  6. 6. Example 1:Bob has no accidents or violations in the last three years.Note: All premiums shown are for personal auto insurance products. Premiums are based on the automobile premium survey results posted onthe California Department of Insurance web site for rates effective as of May 17, 2011, and for the following selections for each scenario: (1)coverage type = standard, (2) location = Paso Robles, CA, (3) years licensed = 16 to 40, (4) annual mileage = 7,600 to 10,000, and (5) vehicle =Honda Accord. Each carrier represented has full financial responsibility for the products it offers. The hypothetical examples are in no way anofficial recommendation of a particular insurer, nor is it an exclusive list of the carriers available through Total Insurance Services Inc.Insurance Carrier 6-Month Premium21st Century $596Hartford $631Progressive $656Infinity $719
  7. 7. Example 2:John has one traffic ticket in the last three years.Note: All premiums shown are for personal auto insurance products. Premiums are based on the automobile premium survey results posted onthe California Department of Insurance web site for rates effective as of May 17, 2011, and for the following selections for each scenario: (1)coverage type = standard, (2) location = Paso Robles, CA, (3) years licensed = 16 to 40, (4) annual mileage = 7,600 to 10,000, and (5) vehicle =Honda Accord. Each carrier represented has full financial responsibility for the products it offers. The hypothetical examples are in no way anofficial recommendation of a particular insurer, nor is it an exclusive list of the carriers available through Total Insurance Services Inc.Insurance Carrier 6-Month Premium21st Century $813Hartford $794Progressive $832Infinity $1,167
  8. 8. Example 3:Jim has one traffic ticket and one at-fault accident in thelast three years.Note: All premiums shown are for personal auto insurance products. Premiums are based on the automobile premium survey results postedon the California Department of Insurance web site for rates effective as of May 17, 2011, and for the following selections for eachscenario: (1) coverage type = standard, (2) location = Paso Robles, CA, (3) years licensed = 16 to 40, (4) annual mileage = 7,600 to 10,000,and (5) vehicle = Honda Accord. Each carrier represented has full financial responsibility for the products it offers. The hypotheticalexamples are in no way an official recommendation of a particular insurer, nor is it an exclusive list of the carriers available through TotalInsurance Services Inc.Insurance Carrier 6-Month Premium21st Century $1,465Hartford $1,462Progressive $1,102Infinity $1,425
  9. 9. The Choice Is SimpleShopping around for the best auto andhomeowner’s insurance just makes sense!It’s your money — why not get the best dealfor the coverage you need?Talk to Paul Cardenas today to find out ifwe can save you some cash.
  10. 10. Auto Insurance QuotesWhat you’ll need:• All drivers’ Social Security numbers• All Vehicle Identification Numbers (VINs)• Drivers Licenses for each insured driver• Declarations page of your existing policyDepending on circumstances additional information may be required
  11. 11. Homeowner’s Insurance QuotesWhat you’ll need:• The year your home was built• Square footage of your home• Type of security devices in your home• Declarations page of your existing policyDepending on circumstances additional information may be required
  12. 12. Call Paul at (815) 991-7121 or email paulc@totalinsurancepc.comIt’s your money – start saving it!
  13. 13. Notes1 www.smartmoney.com, June 8, 20112 www.consumerreports.org, October 2011

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