An independent insurance agent can save customers hundreds of dollars per year on their auto and home insurance by offering choices from multiple insurers. Unlike agents who only represent one company, an independent agent searches various insurers to find the best combination of price, coverage, and service for each customer's individual needs and situation. Examples are given showing how rates can vary significantly between insurers for people with different driving histories. The document encourages contacting the agent Paul Cardenas to get quotes and potentially lower insurance costs.

1. Auto & Home – Why Independent
Paul Cardenas – Total Insurance Services Inc

2. When You Have Options,
You Can Save Big!
Think about how much you currently pay each year for your auto and
homeowner’s insurance. What if there were a way to potentially put
hundreds 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 don't
need 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 best
combination 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 changing
insurance needs.
• Customer satisfaction is the key to an independent agent's livelihood.
So, serving you is your independent agent's most-important concern.
There Is A Difference!

3. Total Insurance Services, Inc.
Auto & Homeowner’s Insurance
• We use one of the largest comparative
quoting systems with multiple top national
insurers
• Auto insurance savings can be hundreds of
dollars per year or more if combined with
Homeowner’s insurance
• Most clients will qualify for coverage
What could YOU do with a
few extra $hundred$ each year?

4. Auto & Homeowner’s
Insurance Fast Facts
$789 — the national average
auto premium1
64% — the percentage of homeowners
who are underinsured2
Experts agree: Shopping around is the best way to get the best deal!
―As with anything else you buy, what
seems to be the same product can have
different prices…You can save money by
comparison shopping.‖
– Money.CNN.com, viewed October 17, 2012

5. One Size Doesn’t Fit All
How much can you save just by shopping around?
Whatever your driving record or background, getting quotes
from multiple carriers makes a difference in how much you
end 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 time
and drive the same annual mileage.
However, they each have
different driving records.
Take a look at how this difference affects their rates from various carriers.

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 on
the 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 an
official recommendation of a particular insurer, nor is it an exclusive list of the carriers available through Total Insurance Services Inc.
Insurance Carrier 6-Month Premium
21st Century $596
Hartford $631
Progressive $656
Infinity $719

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 on
the 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 an
official recommendation of a particular insurer, nor is it an exclusive list of the carriers available through Total Insurance Services Inc.
Insurance Carrier 6-Month Premium
21st Century $813
Hartford $794
Progressive $832
Infinity $1,167

8. Example 3:
Jim has one traffic ticket and one at-fault accident 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
on the 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 an official recommendation of a particular insurer, nor is it an exclusive list of the carriers available through Total
Insurance Services Inc.
Insurance Carrier 6-Month Premium
21st Century $1,465
Hartford $1,462
Progressive $1,102
Infinity $1,425

9. The Choice Is Simple
Shopping around for the best auto and
homeowner’s insurance just makes sense!
It’s your money — why not get the best deal
for the coverage you need?
Talk to Paul Cardenas today to find out if
we can save you some cash.

10. Auto Insurance Quotes
What you’ll need:
• All drivers’ Social Security numbers
• All Vehicle Identification Numbers (VINs)
• Drivers Licenses for each insured driver
• Declarations page of your existing policy
Depending on circumstances additional information may be required

11. Homeowner’s Insurance Quotes
What 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 policy
Depending on circumstances additional information may be required

12. Call Paul at (815) 991-7121 or email paulc@totalinsurancepc.com
It’s your money – start saving it!

13. Notes
1 www.smartmoney.com, June 8, 2011
2 www.consumerreports.org, October 2011