Our professional insurance agents have put together their 95+ years of insurance industry experience. We’ve created the following tips to help you choose the right insurance coverage—and save as much money as possible. Consider these insurance tips a starting point. Then call your local McClintock Insurance agent for a personal, no-obligation appointment. We look forward to meeting you!
At McClintock Insurance Agency, we want to reassure you that we are here to help during these trying times. Our office is currently working our normal office hours.
In the best interests of our clients and employees--and in adherence to social distancing guidelines--we have decided to defer walk-in services at this time. We ask that you please call and speak to an agent for any changes, adjustments and/or questions you may have. If you need to come in, we ask that you call to make an appointment.
You may access any carriers, claims, or billing phone numbers on our website Here; Facebook at @McClintockInsuranceAgency; or LinkedIn.
We are here to help you, your friends, family, and co-workers. If anyone you know is in need of a review of their insurance policy, has any questions, or is in need of insurance assistance, please send them our way. We are here to help!
Please stay safe and healthy in these difficult times. Let us know if we can assist you in any way.
Our best wishes for each of you always.
Your McClintock Insurance Agency Team
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Help for Customers Affected by Coronavirus We know we have Customers affected by business closures or limits on operations that may experience financial hardship. We’re ready to help.
As our customer care advocates always do when our Customers are faced with significant life events, they are prepared to discuss options with Customers facing a hardship as a result of the coronavirus. Please contact Customer Care at (800) 458-0811 with questions or to discuss options for a Customer. Customers can also call Customer Care 24/7/365. Please keep in mind that online account access is available anytime to personal lines Customers through erieinsurance.com. Customers can access policy, billing and claims information and make payments all online.
Shop around. The same insurance coverage can cost you more or less depending on the agency. So don’t make the mistake of thinking that your rate will be the same no matter where you go. Solicit competitive insurance quotes, then research the insurance companies as well.
Bundle multiple insurance policies. Most insurance companies will give you a multiple policy discount if you get multiple insurance policies through them (e.g., auto, home, life, etc.).
Review your policy annually. You should review your policy every year at renewal time and get and apples-to-apples comparison of your policy with at least one other agency. Though all companies follow general guidelines, rating systems can vary from one insurer to another. In addition, you want to be sure that your policy covers any changing needs.
Ask questions. Be sure to carefully read your policy. Make sure you understand any details and be sure to ask lots of questions. A good insurance agent will be happy to take the time to answer every question and be sure you understand.
Keep all of your insurance policies in a safe place. If you suffer a fire, flood, tornado or other disaster, your insurance records may be lost. Be sure to keep all policies, contact information, and any other emergency information in a safe place away from the premises of your residence, such as a bank safe deposit box.
Raise your deductible. A higher deductible will lower your annual insurance premium. Yes, it means you will pay more out of pocket before your insurance coverage kicks in. But considering that you won’t use your insurance coverage very often, it’s usually worth it to do so. Just don’t raise your deductible beyond what you could reasonably afford to pay up front.
Avoid paying monthly insurance premiums. Most insurance companies will charge an extra fee for each payment they have to process. So we suggest paying at least every other month, and every six months would be better. Your best option may be to have the funds automatically withdrawn from your account. That way, you avoid payment fees and you never have to worry about your insurance lapsing if you miss a payment.
Be sure you have working smoke detectors in your home. Although smoke detectors are required in newer homes, older homes may not have them installed. You’ll save on your rates if you install them. Plus they may save your life someday!
Add a monitored security system. Proof of a monitored security system means your home may be less of a target for break-ins. So you’re rate will be reduced if you provide proof of a monitored security service.
Know the exact value of your home and how much insurance you will need. We have seen many policyholders come to us over the years with the complaint that they feel they are paying too much for insurance—only to find out that they are over insured. You definitely don’t want to be underinsured. However, it’s equally as discouraging if you’ve been paying for insurance coverage you don’t need.
Ask for discounts. Many states offer multiple discounts for homeowners. Here are some of the discounts that may be available to you: home burglary/alarm system, dead bolt locks, fire alarms and sprinklers, updated heating systems, updated wiring and electrical systems, location near a fire hydrant or fire department, and location near a police department.
Take inventory of your possessions. Make a list of what you own and take photos of these items. Then keep the list and photos in a safe place, such as a safe deposit box at a bank. If you have a fire, you won’t lose these valuable records.
Insure high-value items and collectibles. You may want to add an insurance rider or supplemental policy to cover the full value of high-ticket items, such as jewelry, family heirlooms, silver, china, memorabilia, and collectibles.
Ask for discounts. Many states offer specific discounts on auto policies, so you should always ask. Here are some discounts that may be available: multiple vehicles, driver education, good student, safety devices, anti-theft devices, low mileage, and good driver.
Know your coverage options. Know the difference between liability, comprehensive, and collision coverages. If you’re not sure, please ask your McClintock agent. We’ll be happy to clarify the differences for you and help determine how they pertain to your needs.
Consider additional coverages. Many people can get by just fine with a basic auto policy. However, additional coverages are typically available and their cost is so inconsequential that’s it’s almost a no-brainer to add them in. You never know when they will come in handy. Some examples of additional coverages include gap coverage, auto rental, towing, glass breakage, uninsured/underinsured motorist, and more.