Amazing Customer Service?? Of course we have it!

At April Schaffroth's Farmers Insurance Agency; we promise you will LOVE the customer service from our agency because our agency LOVES our customers!


Along with our competitive rates; we offer a Professional (& pretty) staff, Hot Coffee, Friendly Annual Reviews, Balloons/Gift Baskets and so much more.  As the Insurance Dialogue states on new the focus of Insurance Industry: 
The Insurance Industry Adapts to the New Age of Customer Experience
As featured in the American Bankers and Insurance Association September Newsletter
The insurance industry has discovered in today's multi-tasking, multi-device world, customers want to resolve their issues on the go, via their mobile or tablet device, and in between text messages. As a result, this industry has evolved its business models to ensure a high-touch, interactive and engaging customer experience.
Consumer Research
An increasing number of consumers are using social media to research their buying decision and insurance is no different. When deciding what insurance carrier to go with, what policy is best, and whether to purchase through a broker or an agency, consumers will turn to the internet and social media channels to do their research. They will leverage complaint forums, consumer review sites, read blog posts, and most importantly ask for recommendations from their Facebook friends. At the end of the day, consumers trust peer recommendations more than they trust advertisements.                                     Purchasing Process
Traditionally, brokers and agents market to a defined geographic territory around their brick and mortar office because consumers preferred buying insurance from someone they knew and trusted.  Well, thanks to social media, agents and brokers have expanded their target market by building relationships with consumers online. Many of these relationships have been created through peer recommendations via social networks. When a consumer is in the market for insurance, the first thing they do is research the carrier online by reading reviews or asking their social network. Next they will fill out a couple quotes. 
Lesson Learned
Make sure your website is "socially enabled" with the ability to share, re-tweet, post, or email links to a friend. This is because if friends and family are aware that you're in the market for insurance and they have used your firm in the past, the likelihood of them sharing will be high. Lastly, include all social media addresses on business cards and email signatures; don't assume e-mail is for everyone!                                  Service
Every moment of hold time, hunt and search time and frustration will put customer loyalty to the test. Today's smartphone customers expect on-demand access to phone, web, apps, social media and video. 






Social Media
·  Let policyholders know about catastrophic events or weather approaching, while directing them to help services
· Create and share holiday cards with social media contacts
·   Create boards for each line of business on Pinterest, then pin pictures and articles about the topic, such as tips on taking care of a boat, great places for motorcycle rides
·  Hosting a live Twitter chats to answer insurance related questions
·  When customers are shopping for a car, provide them with crash test ratings and vehicle recall info or allowing them to compare insurance costs by scanning 2 or more VINs
·  Change life beneficiaries
· Provide an accident guide checklist


Give April Schaffroth's Agency a call today at 602-297-5155 to review your coverages!
               www.insuranceinaz.com

Are you sleeping like a baby at night knowing your insurance coverages are in order??

If you are not sleeping like this client, rest assured we can help you with a professional insurance review!


Call April Schaffroth Farmers Insurance Agency at 602-297-5155 today and you will be taking a nap in your break room at lunch.
...


Sleep tight!                                                         As the Flynn Insurance company states:

Do You Have Enough Coverage?

Many people do not examine their auto insurance coverage until they have an accident, at which point, it is often too late. At that time, they may realize that they are underinsured which could leave them susceptible to additional out-of pocket expenses or even lawsuits due to insufficient coverage.

There are numerous considerations to take into account, such as:

• Do you have enough liability coverage to protect yourself from being sued by another party if found to be at-fault in an accident?
• Do you have enough protection to cover yourself and others, who may be traveling in your vehicle, from medical expenses arising from an accident?
• Do you carry sufficient proper coverage to repair your car (and other vehicles) if involved in an accident?
• What level of deductible should you carry for both collision and comprehensive claims on my vehicle(s)?

Are You Overpaying for Your Insurance?

In addition to the various coverage considerations, there are also other factors that make up your auto policy and determine your annual premium. These factors include, but are not limited to, your driving record, the type of vehicle you drive, where you garage your vehicle, and all applicable discounts. 

Antique/Classic Car Insurance



It takes more than age to make it a classic. A collector car isn’t just a way to get around. It’s an investment that will continue to appreciate in coming years. Not all classic or antique cars are used the same, so we will work with you to select the appropriate policy to accommodate coverage needs, miles driven, vehicle age, and vehicle modifications to make sure you have the best policy to meet your needs. Here are some features you should look for when shopping for classic car insurance:

• Agreed Value: This means the provider will pay you the full (agreed to) amount in the event of a covered total loss, less any applicable deductible. This type of coverage is much better than “actual cash value” or “stated value” that you may get with some companies.
• Low Rates: Why pay full-time insurance when you driver your collector car only part-time.
• Coverage Options: Not all collector cars are the same, so we can work with you to determine the right amount of coverage to meet your specific needs.
• Generous Mileage: You’re proud of your collector car, so drive it. Not all insurance companies have a mileage limit, but most collector cars should be driven less than 5,000 annual miles to maintain their value.
• Roadside Assistance: Whether you’re down the street or on a classic rally through the mountains, you’ll want to find coverage that will flatbed your car to the closest qualified repair facility.

www.insuranceinaz.com

Stolen personal property in your car is not covered by auto insurance?!?!

Insurance Question of The Week: Would these items in the trunk be covered under auto insurance if they were stolen? If you answer yes; we need to talk.


Valuables stolen from your vehicle by forced entry, are ONLY covered under your Home or Renters insurance. As opposingview.com states:

Comprehensive Insurance
Items stolen out of your car fall under the comprehensive coverage portion of your auto insurance. The good news is comprehensive insurance covers damage to your car in the event of a break-in. So, things like a broken window, damaged glove box and jimmied lock are covered. The bad news is even if you have comprehensive coverage, auto insurance policies typically don’t cover personal belongings stolen from your car — the things you left on the seat, in the trunk or in the glove compartment. In this case, that would include the laptop and the gym bag.
Bolted Means Covered
If the item stolen is a permanent part of your car, like a steering wheel or rear-view mirror, it is covered against theft. The same goes for items that are “bolted” into the car, like the stereo or GPS system that came installed in the vehicle directly from the factory. If you have added custom parts to your car that are not meant to be removed, such as speakers inside the car doors to amp up that factory stereo system, they are covered too.
Removable Means Not Covered
The rules on coverage get a little hazier when it comes to items added to your car that can be removed. If you installed a stereo that can be popped in and out, for example, and it’s stolen, typically it won’t be covered by your car insurance. The same goes for portable GPS units and CD or DVD systems that can be removed completely from the car.
Try Homeowner’s Insurance
Having a computer, stereo system or GPS device stolen can be a big financial blow. But not all is lost. If your auto insurance doesn’t cover the theft, there’s a chance that your homeowner’s policy might. Instead of “replacement value” for your lost property -- a new GPS to replace the stolen guidance necessity -- most homeowner’s policies pay “actual cash value,” which means the amount you paid for the item minus depreciation. So, if your GPS system cost $400 but you bought it two years ago, you will probably receive less than half of that amount, and don’t forget that you’ll have to pay your deductible too.
Proof of Loss Required
When it comes to getting reimbursed for stolen items from your insurance company -- auto or homeowner's -- the key is to have your paperwork in order. First, you must provide proof of loss by filing a police report. Second, you need some kind of receipt showing how much you paid for the stolen item. If you can’t find the receipt, try going back to the store or visiting the website where you made your purchase. In many cases, you’ll be able to quickly and easily print a copy of the receipt and be on your way to replacing the item without too much money coming out of your pocket -- hopefully. After all, the car break-in was bad enough.



Give April Schaffroth's Farmers Insurance Agency a call at 602-297-5155 to make sure you are properly covered. 


www.insuranceinaz.com

Which driver are you?? The texting driver or the innocent victim?

Which driver are you?? The driver or the innocent victim?


Statistics show that sending or receiving a text takes a driver's eyes from the road for an average of 4.6 seconds, the equivalent of driving the length of a football field while going 55 mph.  


As Wikipedia states: Texting while driving is the act of composing, sending, reading text messages, email, or making other similar use of the web on a mobile phone while operating a motor vehicle. Texting while driving is considered dangerous by many people, including authorities, and in some places has either been outlawed or restricted. A survey of more than 90 teens from more than 26 high schools nationwide conducted nationwide by Liberty Mutual Insurance Group in 2006 showed that 37% of students consider texting to be either "very" or "extremely" distracting. An American Automobile Association study showed that 47% of teens admitted to being distracted behind the wheel because of texting and 40% of American teens say they have been in a car when the driver used a cell phone in a way that put people in danger. A study involving commercial vehicle operators conducted in September 2009 concluded that though incidence of texting within their dataset was low, texting while driving increased the risk of accident  significantly.



Texting has become a social norm since the year 2000 because of the popularity of smartphones, which allow people to communicate faster and easier.^[3] There have been many studies that have linked texting while driving to be the cause of life-threatening accidents due to driver distraction. The International Telecommunication Union states that “texting, making calls, and other interaction with in-vehicle information and communication systems while driving is a serious source of driver distraction and increases the risk of traffic accidents”.^[3]


A 2010 experiment with Car and Driver magazine editor Eddie Alterman, which took place at a deserted air strip, showed that texting while driving had a worse impact on safety than if you were driving while intoxicated. While legally drunk, Alterman's stopping distance from 70 mph increased by 4 feet; by contrast, reading an e-mail added 36 feet, and sending a text added 70 feet.^[4] 
Our agency can help protect your insurance needs with the proper protection for your family.  Give us a call at 602-297-5155 to do a review of your insurance.







www.insuranceinaz.com