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We'll
give you tips on how to get the most for
your money. Auto, Homeowners, Farm,
Business, Claims, Billings; you have options!
We've
tried to put together some of the most
asked questions. When does a speeding
ticket
not go on my record? Does my young driver
qualify for a Good Student Discount. What can I do to
lower the premium for my young driver?
Send
us an email with your own question.
Got
Kids? Got Money?
Can't find my insurance cards need to go to the Courthouse!
I don't have an insurance card for my trailer what do I do?
I just bought a different car and need to get a tag. What about
the Courthouse?
I'm shopping for a car this weekend how about the
insurance cost?
Who do I call to replace or repair my windshield?
Do all speeding tickets go on my record?
Does my child qualify for a Good Student Discount?
When should I add my young driver?
Top of Page
What
about the "fine print" on "Replacement Cost on
Contents?
I twisted my agent's arm & insured for market value!
Why is it smart to schedule my jewelry?
Is loss by Flood covered under my Homeowners?
Is loss by Earthquake covered under my Homeowners?
My policy shows a 1% wind/hail deductible, 1% of what?
Top of Page
You
took insurance through John Deere?
Can I buy Blizzard coverage for my cattle?
Top of Page
How
much life insurance should I have?
Top of Page
Why
are my Alliance Home & Auto billings so
confusing?
I forgot to mail by auto premium and it's due tomorrow.
Why do I get some billings from the insurance
company and some from the agency?
I
don't want "after market parts"!
Is there a way to get around paying my comp deductible
on windshields?
Does my roof have to have wind/hail damage before interior
water damage is
covered?
How can I make sure my roof won't be depreciated after a
wind or hail loss?
Do
I have to use this service?
Can I use this service during regular business hours?
Top of Page
I
wouldn't expect a company to cover my workmanship,
but accidents do happen.
Is
there any help in this area?
Top of Page
Got
Kids? Got Money?
Top of Page
Yeah, neither do we. If you've got young drivers, you
already know how expensive auto insurance can be,
especially if you've got a young male driver or two. By
writing your home along with your autos, your autos will
get an excellent
discount. If you're paying a ton for kids,
the package credits really help! There's also
the very
popular idea of putting your young driver in an older vehicle
for liability
only... That goes over great (yeah, right). Good
Student Discounts help. Higher
deductible help also.
You
took insurance through John Deere? Top of Page
A couple of years ago, John Deere's
insurance cost on your
new or used tractor or combine was exceptionally cheap.
However, during the last year or so, the rate has skyrocketed.
We have saved
customers a ton of money compared to the
John Deere costs. We can write our
coverage without having y
our Farm Package Policy. Call your John Deere dealer
for the
insurance rate you are now paying. Then call us.
Can
I buy Blizzard coverage for my cattle? Top of Page
Yes. And, you don't have to have other
insurance with us.
Although "freezing" isn't covered, suffocation by
snow is
covered. In addition, the policy also includes fire, lightning,
windstorm, hail, theft, accidental shooting, drowning, attack
by wild dogs or
animals and collision. You can insure by
buying a policy for the winter season
($3 per head) or on a
reporting basis with the rate lowering a ton during
non-winter
time. A $1,000 deductible applies.
What
about the "fine print" on "Replacement
Cost on Contents?
Top of Page
If the coverage stopped at "we'll
repair or replace with like kind
& quality" without depreciation (only
the deductible applies), then
this coverage would be great! However, a lot of
companies throw
in the "fine print" which says, "but we won't pay
more than 4 times
what the item(s) is worth after taking depreciation. Sometimes
values are $0, and 4 times $0 is still $0. The Allied Group has
eliminated the
"4 times" portion of the policy.
I
twisted my agent's arm & insured for
market value!
Top of Page
Some companies will insure your home as low as 40% of the
rebuilding cost,
however, you may not be getting what you
bargained for. First of all, these
types of policies have very
basic coverage, depreciation is taken on partial
losses, and,
the rates are usually surcharged which means you probably
didn't
save as much as you thought. After the next hail or
wind-storm, you will be the
least happy person on your block
(and maybe in town. Other than that
.
Why
are my Alliance Home & Auto billings so c
confusing?
Top of Page
Every company we represent has easy to understand billings
with monthly options.
If you pay for 2 months, your billing next
month shows a minimum amount due of
$0. Farmers Alliance
recently updated their billing procedures, however, they
still
seem confusing. If you call us, we simply call the company
and then get
back with you. If you wish, you can call the
company directly @ 800-362-1075,
option 1. Just have your
billing when you call. Just remember, Alliance is aware
of
the situation and we look for simplicity soon.
I
forgot to mail by auto premium and it's due
tomorrow.
Top of Page
If you're with Allied, no problem. Just send your check and
payment stub to us
make your check out to us. On the
day we receive your payment, we'll input
the payment directly
into Allied's computer. It will show paid the same day!
Farmers
Alliance will now take credit card payments just call
800-362-1075.
Can't
find my insurance cards need to go to the
Courthouse!
Top of Page
We'll help you out. Just give us a call. We'll print new cards for
you and mail.
Or, we would be happy to fax a copy of your policy
to the Courthouse.
I
don't have an insurance card for my trailer
what do I do?
Top of Page
If you don't have an insurance card for your trailer, this means
the trailer is
insured for liability only (no comp or collision).
Just show the insurance card
for the vehicle that usually pulls
it. Keep in mind that if the vehicle pulling
the trailer is on a
Business Auto Policy, the trailer may need to be listed on
your policy and a premium charged in order for liability coverage
to exist.
I
just bought a different car and need to get a tag.
What about the Courthouse?
Top of Page
Call us with the information on your vehicle. We'll print a
form and fax it to
the Courthouse. You'll be set, ready to
go. You can also request this service
through
"Customer Service".
I'm
shopping for a car this weekend how about
the insurance cost?
Top of Page
If you're insured with Allied, go to the "Allied Service Center"
page.
You'll see that you'll be able to call and get quotes in
the evenings and on
Saturdays. This is a service the agency
has purchased for our Allied customers.
Who
do I call to replace or repair my windshield?
Top of Page
Go to the "Customer Service" page. We've listed several of
the Glass
Businesses we've done business with - along with
phone numbers for your convenience. You
can also report
your glass claim in this area. If you're with Allied, you have
the option of calling the Service Center's toll free number. And,
of course,
during business
I
don't want "after market parts"!
Top of Page
Our companies now go with "used parts", not "after market
parts". The "used parts" ARE the genuine GM, Ford, etc.,
parts
which most of our customers want. If a used part is
used, the companies will not
use a used part older than the
make of your vehicle. The used parts are genuine
and lower
costing. It's a win-win situation.
Do
all speeding tickets go on my record? Top of Page
No. The following types of speeding tickets will NOT go on
your record. 1. If
you are less than 10mph over the speed
limit in a 70mph zone. 2. If you are less
than 5mph over the
speed limit in a 65mph, 60mph, (not in city limits) etc.,
zone.
3. ALL speeding tickets in town WILL GO ON YOUR RECORD.
If you
do get a speeding ticket, be sure to contact the county's
attorney and inquire
about a diversion agreement.
Is
there a way to get around paying my comp
deductible on windshields?
Top of Page
Yes. Kind of. If your windshield can be REPAIRED rather
than replaced, our
companies will pay the full price with no
deductible on your part. Also, when
replacing a windshield,
ask the glass shop is they have any "deductible
discounts".
Some do. Also, if you don't have comp coverage and need a
windshield, tell the glass shop, they may offer an additional
discount. Go to
our "Customer Service" page for shop listings.
You can even report a
loss there.
Does
my child qualify for a Good Student Discount?
Top of Page
Allied gives the "Good Student
Discount" starting at age 15.
Our other companies start at age 16. Click "Customer
Service",
scroll down to the green print and you'll see the
qualifications.
Fill out the form, click submit, and we'll send a "Good
Student"
form to your school for an official's signature.
Why
is it smart to schedule my jewelry?
Top of Page
Jewelry is covered under the Homeowners policy for such
losses as fire,
lightning, windstorm, hail and theft. Theft has
a limitation, on some policies,
up to $2,000 and if a setting
simply falls out and is lost, there is no
coverage. In addition
a deductible applies. By scheduling jewelry, you'll pick
up
coverage for losing a setting, even if it simply falls out. In
addition, the
theft limitation no longer applies, and in most
cases, there is no deductible.
The additional cost is minimal.
Is
Flood Insurance covered under my Homeowners?
Top of Page
No. Flood coverage may be purchased separately.
Is
loss by Earthquake covered under my Homeowners?
Top of Page
Earthquake coverage may be purchased, but it is NOT
included in the basic
coverage. It's probably best to assume
you haven't got this coverage. Call us
for a quote or just
to see if you've earthquake coverage.
Does
my roof have to have wind/hail damage before
interior water damage is
covered?
Top of Page
It depends what "Form" you have. Interior water damage
caused by a
leaky roof is covered if the roof was damaged
by wind and/or hail under a Form
1, 2 or 3. However, the
Form 3 also covers interior water damage whether or not
the roof was first damaged by wind or hail. Form 3 is by
far the best way to go
and it doesn't cost a lot more than
the Form1 or 2.
How
can I make sure my roof won't be depreciated
after a wind or hail loss?
Top of Page
Most policies (Form 2 & 3) won't allow depreciation on your
roof as long as
the amount of insurance is at least 80% of
your home's estimated rebuilding
cost. Some companies
always depreciate wood roofs regardless of the amount of
insurance carried. Forms such as an ML-2a or HO-2a
indicate depreciation will be
taken. The smartest things to
do is to contact your agent.
When
should I add my young driver? Top of Page
When your son or daughter can legally drive alone - age
14 with a Farm Exemption
or age 15 with a Restricted
License.
My
policy shows a 1% wind/hail deductible,
1% of what?
Top of Page
This means 1% of the amount of
insurance carried on your
home. a $90,000 home would have a $900 deductible.
Farmers Alliance was our only company that required a
1% wind/hail deductible a
few years ago. Since then, they
have backed off this type of deductible
lower deductibles
are available. Check your policy!
Can
I use this service during regular business
hours?
Top of Page
Yes. Our agency currently has more than 1,000 customers.
Sometimes the number of requests can be huge. Since we
work requests in order, we sometimes run behind.The Service
Center helps us out on the day to day requests and improves
our
overall service. Give it a try, you'll like
it!
I
wouldn't expect a company to cover my workmanship,
but accidents do happen. Is
there any help in this
area?
Top of Page
Yes. For a small charge (usually $15 to $30 per year)
Allied's Contractors
Program eliminates the "Care",
"Custody" and
"Control" exclusion up to a specific dollar
amount. In addition,
Allied extents coverage again, up to a
specific dollar amount, with
"Property Damage to Others"
which provides coverage regardless of your
negligence.
Why? Because our contactors aren't just into having accidents
covered, they are also into service for their customers. Check
out our Business
Page.
Do I have to use this service? Top of Page
No. This is an optional service
we've purchased for you.
We hope you'll give it a try. The changes you call in
or the
information you request (insurance rates on a different
vehicle you're
shopping on, adding a vehicle, deleting a
vehicle, questions on your billing,
etc.) are made immediately.
And the people
They're great to work with. See
"Allied
Service".
Why do I get some billings from the insurance
company and some from the agency? Top of Page
Billings from the company to you are called "Direct Bill".
Billings
from our agency are called "Agency Billed".
Most of our policies are
direct bill. We still have a lot
of farm business on Agency Bill. Agency Billed
gets
to be a little scary because the companies are guaranteed
the premium by us
unless the policy is cancelled.
If
customers don't pay on time, it can certainly create a
problem for us.
How
much life insurance should I have?
Top of Page
If
you ask 10 different insurance agents this question,
chances are you will get 10
different answers. We
recommend taking enough life insurance to cover your
debt load and take care of final expenses. If a person
has dependents to
consider we suggest addition
coverage to replace income for at least
5 to 10 years.
Now days life insurance premiums are very
affordable.
There should be no excuse for someone to not properly
protect
their family.
Last Updated January 30, 2009