Auto & Home – Why Independent

Paul Cardenas – Total Insurance Services Inc

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!

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 coverageWhat could YOU do with a

few extra $hundred$ each year?

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

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.

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 Carrier6-Month Premium21st Century $596Hartford $631Progressive $656Infinity $719

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 Carrier6-Month Premium21st Century $813Hartford $794Progressive $832Infinity $1,167

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 Carrier6-Month Premium21st Century $1,465Hartford $1,462Progressive $1,102Infinity $1,425

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.

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

policyDepending on circumstances additional information may be required

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

policyDepending on circumstances additional information may be required

Call Paul at (815) 991-7121 or email paulc@totalinsurancepc.com

It’s your money – start saving it!

Notes

1 www.smartmoney.com, June 8, 20112 www.consumerreports.org, October 2011