So, I would say I will likely be a new long-term customer. Binders are generally used when you’re financing property, such as a new home or car, and you need immediate insurance coverage so you can close on the loan. It highlights key information about your insurance policy that is necessary to secure a mortgage or auto loan. An insurance binder is a document that provides proof of temporary insurance coverage until a formal policy is finalized. Wow, I can see the value in having a very knowledgeable person advising you! Really really great job by Maria!! She also explained about the situation in CA now with rates rising regularly so I am on an annual plan and will have her revisit the best rates next year if/when they give me a hike. An insurance binder is a legal agreement between you and the insurance company that provides proof of insurance for a temporary period of time typically 3060 days. Over $1,000 for the year! I feel comfort in that I am getting basically the same amount of coverage only with more out-of-pocket if something happens. deductibles) and she was able to save me 56%!! on what I was paying. I have an older car, very low mileage and a higher risk capacity (i.e. A few months ago I spent a day on the phone calling insurance companies comparing pricing which didn’t end up producing much difference.Įnter … Maria! I was able to walk through all the nuances of my home and auto policy with Maria and she explained all of the line items and my options. As far as my home and auto insurance, my Farmers Agent of 40 years retired and sold his business and I knew I was likely paying more than I needed to. Marie did a great job for me with my business insurance. “I want to tell you what an excellent team you have.
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