Farmers Insurance - Matt Metzger

What Farmers Insurance Plans Include Farmers Insurance offers several types of auto insurance coverage, which means you have plenty of options when you work with Matt Metzger Agency. Some common car insurance plans include: Liability Coverage : This will cover you if you are legally responsible for the damages that occurred. Collision Coverage:  If you happen to hit another vehicle or a fixed object on the road, collision coverage will take care of it. Comprehensive Coverage:  If you find yourself in a situation other than an accident, such as theft, animal collision or fire, comprehensive coverage will cover your losses. Uninsured/Under-insured Motorist Coverage:  If you get into an accident with someone who is uninsured or under-insured, this will give you comfort with liability coverage Medical Coverage:  If you get injured during an accident, medical coverage can pay for all or most of your expenses. Personal Injury Protection:  Similar to medical coverage, howe

Yes they do. According to regulatory associations, there is a direct correlation between credit scores and individuals getting into accidents, and cancellation policies due to non-payment. Therefore, premiums are higher for lower credit scores. Other Factors: In addition to Insurance Scores, there are other, more obvious factors used to determine your final rate including: Where you live, Year-Make and Model of Car Driving Record Claims History Age and Sex, etc. Your agent and insurance company aren't going to see specific information detailing what you owe or to whom, but they are going to see a version of your credit score and it significantly impacts how much you pay for insurance. Being responsible with credit will reward you with lower insurance costs!

Most young drivers are new to the world of traffic and our fast paced driving habits. Sometimes young drivers don’t have the reaction time so they hit the car in front of them with a rear end collision. They are confused but make sure themselves are ok and the person they hit is ok as well. After that then what? Farmers Insurance has given a step-by-step what to do after an accident. Stop and check for injuries, if anyone is injured call 911. Notify the police Set out flares, or signal with a flashlight to warn other drivers to prevent further damage DO NOT admit responsibility, an investigation may show that you were NOT responsible. Collect information. Gather names, phone numbers of any witnesses and information about the other driver such as drivers license number, phone number, insurance information, and description of other vehicle. Find out which authorities you are required to inform based on your states’ laws, and inform all of them Contact Insurance’s Claim Serv

You may not realize it, but your overall rate is also affected by many more different factors – some of which you can control, and many of which you cannot. However, knowing what affects your rate can help you make a more informed decision when purchasing insurance, and can help you know exactly what to do to lower your expenses. Demographic Factors Your gender, age, marital status, geographical location, and credit score all affect your insurance rates in different ways. 1. Gender and Age Young men usually incur higher rates than young women as statistically, more male teenagers have accidents than female teenagers. However, older men generally have better rates than older women. Some evidence suggests that older women are in more minor accidents than older men – though the difference in premium costs usually isn’t drastic. 2. Marital Status Married people tend to have fewer accidents than single people; therefore, getting married (especially for men) can significantly

If someone will suffer financially when you die, chances are you need life insurance because it provides cash to your family after your death. This cash, known as the death benefit, replaces your income and can help your family meet many important financial needs. What’s more, there is no federal income tax on life insurance benefits. To help you understand how life insurance might apply to your particular situation, we’ve outlined a number of different scenarios below. In the event of a tragedy, life insurance proceeds can: Pay for funeral costs Help pay the bills and meet ongoing living expenses Pay off outstanding debt, including credit cards and the mortgage Continue a family business Finance future needs like your children’s education Protect a spouse’s retirement plans Contact us today to learn more about life insurance options that fit your priorities and budget. x