Tag Archives: car insurance

This is what grocery stores used to look like. We loved the color yellow back in the old days.

Service Like It Used To Be

Service like it used to be.

You check yourself out at the grocery store; you at least bag your own groceries. You check yourself in at the airport at a kiosk.  You get your own drinks at fast food joints. You pump your own gas. You even have to get your own shoes off of the wall at sporting goods stores.  Things weren’t always this way.

This is what grocery stores used to look like. We loved the color yellow back in the old days.
This is what grocery stores used to look like. We loved the color yellow back in the old days.

You probably don’t remember, but there was a time when people had professionals the counted on to be experts in their field; retirement planners, Insurance agents, travel agents, even bankers. Sadly, those days seem to be long gone in many fields, unless you have a lot of money to invest or spend – except in one remaining industry; insurance. Specifically, the kind of insurance we do here in our Dallas headquarters; auto insurance and home insurance.

 

I’m sure we all see the commercials, “Call or go online today to get your home insurance quote” or go online for your fast and free auto insurance quote.” They practically shout at you that IT SHOULD BE CHEAP!.  Do you know what makes it cheap? There are no insurance agents. These companies count on you to do the job of a licensed insurance agent and choose the proper coverage for yourself without the guidance of an experienced professional.

Usually cheap insurance is advertised by cartoon characters.
Usually cheap insurance is advertised by cartoon characters.

 

I can tell you that when that happens we see awful coverage, because car insurance and home insurance aren’t best approached as a commodity that must be as cheap as possible. When it comes to auto insurance or house insurance the guidance of a professional insurance agent will help you get the best insurance value, with the lowest possible premium.

 

Inexpensive insurance is different from cheap insurance though; inexpensive insurance can properly cover your assets. Cheap insurance usually covers the over driver better than they cover their own insurance clients.

 

Why? When you work with a licensed independent insurance agent (like we are here at The Phoenix Insurance) you get a lot for your money. Our agents are trained to get you the best insurance value for your dollar. Since we are independent insurance agents, we have the ability to look at your needs with a different perspective than most. We make sure that you pay the least amount of money you have to  for your home insurance, and your car insurance, and even for your umbrella insurance. When we shop multiple companies for our insurance clients, we try to find the best fit for them. Every company has a client that they give the absolute lowest insurance rates to, and we are able to find that company for our auto insurance and home insurance clients over and over.

The best part? We do it painlessly. Our reviews show it. We believe that when you buy car insurance or home insurance that it should be easy; that’s why you hired a professional. Every step of the way, from your initial quote to cancellation of your old insurance is handled by our staff to make the process as easy as possible for our clients. We are insurance advisers. We don’t sell anything.

 

Give us a call today and find out what service used to be. We’ll spoil you for anyone else.

5 Things You Need To Do If You Have A Car Accident

It happened again; One of my Dallas friends who is also an auto insurance client called me late last night, frantic, asking how being involved in an auto accident was going to effect his car insurance rates. As usual, I asked if he had the other party’s insurance info, and as usual, the answer was “the police officer got it”. I will answer his question here first; in general, an accident is not going to have an immediate effect on your car insurance rates. You have insurance to protect against the financial hardship an auto accident can bring, so don’t worry about a minor fender bender. It may be emotionally draining, but it shouldn’t be a financial hardship – that’s why you have insurance.

Now for the important part of this blog post. What do you need to do if you have had an accident. All of these steps are if no one is hurt. Obviously tend to people first.

  1. Pull off of the road if at all possible.  This is the first thing you should do. If both of your cars can move, pull out of traffic to exchange information. It’s safer than sitting in traffic trying to have a conversation, and has less of an impact on traffic.  How many times have you sat in 20 extra minutes of traffic because two people got into an accident and were busy chatting and trading information while rush hour traffic snarled up around them? Don’t be that guy.
  2. YOU get the other driver’s Information. This is the big one – most people I talk to say “well, the police got their car insurance information and put it on the report.” That’s no good, because the information may not be correct, and also, you don’t get a copy of that police report immediately. It may take a week for the report to be availaible to you so you can start the calims process with the other insured’s company. MAke sure you take a photo of their ID card, their DL, and their car.
  3. If at all possible, call the claim in to their company immediately. Why wait? If you let the other driver drive away from a car accident, memories fade, and the whole idea of whose fault it is starts to shift. When you call the insurance company 2 days after an accident, suddenly the driver who was saying “I’m so sorry, it’s my fault” at the scene of an accident is pretty sure that this was all your fault, and that there is no way their company is paying.
  4. Don’t count on them paying to fix your car out of pocket. This happens a lot; people don’t want to “get their insurance involved” and offer to pay to fix your car on their own. This rarely works out well, but if you are inclined to give it a shot,get their car insurance information first. In my experience, the repair cost is always higher than they can affor or understand, and you end up going through insurance anyway. Save yourself some hassle and just get the insurance information anyway.
  5. If there are any witnesses, YOU gather their information. People rarely stop for a minor fender bender, but if there are any witnesses, get their information yourself. Your auto insurance company is going to want that info, and once again, if it is locked up or incorrect on the police report, then having a witness is of zero value to you. Get their name and phone number, and if you can, even record their statement to submit to your insurance company. Have them state their name, telephoine number, and the current date and time at the beginning f your recording.

These are the basic things you should do in the event of an auto accident to make sure you have all of the information nescessary to ensure an good outcome with the insurance companies. In addition to having all of this information, you should take a few minutes to go over your insurance once a year to ensure that you are protected correctly, and that you are not missing any coverage on your auto insurance. At The Phoenix Insurance we actively check your policy every year at renewal and ensure that you are not paying any more for your auto insurance than you need to – and that lower cost doesn’t mean lower protection.

 

 

4 People who do Auto and Home Insurance and Commerical Insurance with The Phoenix Insurance

So I’ve been spending time lately throwing lists at you – to show you my knowledge of Renters Insurance, Homeowner’s Insurance, Auto Insurance, and even Commercial Insurance. Intead of bombarding you with information today, I thought I’d put up some reviews from happy customers – you can’t get a better testimonial than someone who has used our service.

1. Here is a client that likes the one stop shopping aspect of what we do. John Likes to have his home insurance and auto insurance in the same place – and we make that easy. Even if both policies are not with the same company, you still have one number to call.

My wife and I really like The Phoenix Insurance for a couple of reasons; we were able to get our homeowners insurance and our auto insurance in one place for one stop shopping.”

2. Richard is pleased because we saved him money on home insurance and auto insurance. He is a longtime client of ours, and we are pleased to have him as a client.

I’ve been dealing with The Phoenix Insurance Company for a number of years and they have saved me a considerable amount of money on my home and auto insurance. I’m quite pleased with their service.”

3. We also do Commercial Insurance for Texas clients. Here is Jonathan Poole, the owner of  Prevail Rsources, who uses The Phoenix Insurance for his company’s commerical insurance and worker’s comp insurance. He thinks we are a great bunch of guys. To be frank I don’t know how you can get higher praise.

Hi, I’m Jonathan Poole, owner of Prevail Resources, LLC. We use The Pheonix Insurance for our commercial insurance cover and our worker’s compensation cover ane they are a great bunch of guys and we really enjoy working with them.

4. Finally, we have Hans, who is a bit of a low talker, it seems, and is the reason I have transcribed all of the other videos. Despite being hard to hear, Hans’ praise for The Phoenix Insurnace is effusive – we are speedy, timely, and he mentions how great our service is. You might have to crank the volume for this one.

The Phoenix Insurance helped me a great deal with my home insurance and my auto insurance. They give great service; they are speedy, timely, and I was very pleased with my rates.”

Here are just a few of the many clients we have helped with home insurance, auto insurance, and even commercial insurance. While you may scoff at these videos and say “well, you just taped those yourself” I want you to ask yourself a question. Would you take the time to make a video for your insurance agent? These people would, and did. That’s how much they love to work with us. Everyone has a different reaon to work with The Phoenix – service, value, our general “greatness” that you cannot touch but can feel. Don’t you want to be so happy with your Dallas insurance agent that you would testify for them?