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Tips for Choosing a Professional Insurance Agent

A good auto insurance agent is able to help you find and get the best insurance coverage that will suit your personal needs and vehicle types. With their help, you will save a significant amount of time and money while getting the coverage you need very quickly and efficiently. A professional insurance agent will be able to find an auto insurance plan that is affordable and offers the optimum amount of coverage. Often times this will be based on credit scores, individual budgets and other requirements such as whether the car is paid off or not. Before selecting an insurance agent, it is a good idea to research their fees, reviews, and customer service practices.

Typically you will speak to your agent face to face, or over the phone. During your first meeting with the agent, it is a good idea to find out how he earns commissions and what the rate is for each policy he sells. A good insurance professional will explain all of the hidden fees and charges outlined in the contract. When shopping for agents, this information can help you decide which agent will be able to get you excellent coverage for the best possible price. It is wise to speak with several agents before making a final decision. That way you can compare rates and choose only the agents who offer the best value.

The insurance professional must be licensed to provide services in the state you live in. If an agent is not licensed, he is also not certified. Insurance agents that are not properly licensed will have less knowledge of the specific laws in your state and will likely not be able to find deals for you. Since they cannot legally provide insurance service hiring an unlicensed agent should be avoided completely. Make sure you see a business license and certification before hiring an insurance agent.

Once you have chosen and hired an agent, make sure he is aware of all your personal details that will relate to your coverage such as age, employment history, income, and medical conditions. If you are interested in a particular company, you can ask the agent to do some additional research for you. Before you sign up for a policy, make sure the agent has fully explained the terms to you. Using a professional insurance agent will save countless hours of searching and stressing about finding the perfect policy for you.

Insure your home and car with the same company - Insuring your car with the same company that is insuring your home makes you legible for a discount that is referred to as multi-line discount. Thus, you pay less than you would if you insured your car and home with separate companies. Even then, you need to be sure about the possible discount before making a commitment to get your auto insurance from the company that is insuring your home because not all companies offer the multi-line discount.

Insure all your cars in one policy - If you have more than one car, you can insure them all under one policy to qualify for the multi-vehicle discount. This lets you enjoy savings on both auto mobiles. Just like the multi-line discount, you need to check if the discount if offered before signing up.
Maintain a clean driving record - Your driving records are a factor when calculating your auto insurance rate. Consequently, your insurance rates are affected by traffic tickets spanning up to three years and six years for accidents. Having a bad driving record means that you pay extra premiums making your auto insurance expensive.
Go for a low risk car - Your auto insurance premiums is determined on the basis on the car's history. If your car is highly likely to be stolen or be involved in an accident then you will pay more in insurance premiums.
Opt for a Pay-As-You-Drive Policy - This is especially recommended if you do not drive for long distances. Therefore, consider going for a policy based on your annual or monthly mileage. The pay-as-you-drive policy lets your premium to fluctuate depending on your frequency behind the wheel as a record of your mileage is kept through monthly and annual reports that are shared with the policy provider.
Take precaution against possible theft - Installing an anti-theft device in your car may also contribute to lowering your auto insurance premiums as it lessens the risk of theft.
Let insurance companies bid for you - When you shop for your vehicle's insurance and deliberately let companies that offer insurance know that you are not settled yet can get you a better deal. That is, you can choose to tell one business what the other is offering so that they give them a chance to counter the offer to your advantage.

In conclusion, there are many factors that determine how much you will pay in premiums. Thus, it is possible to lower your auto insurance premiums yet enjoy great service.

A good auto insurance policy will not only cater for your protection as a vehicle owner in the event of an accident but also take into account damages that may be caused to third parties.

Our Beginnings

Back in the 1940's and 50's, it was very difficult for farmers and ranchers to get insurance. So to solve the problem, members of Colorado Farm Bureau got together, and decided to create an insurance company. Colorado Farm Bureau Mutual Casualty Company was established in 1950 as a sponsorship of Colorado Farm Bureau.

Today, just 60 years later, Farm Bureau® Insurance, as it is known today, has grown into a full service provider of insurance products and services. From humble beginnings, we have become a great service and benefit to the great members and supporters of Colorado Farm Bureau, a company dedicated to the mission of protecting the agricultural rights that affect all of Colorado.

Who are we?

Farm Bureau® Insurance is a company you can trust. We have some of the best trained insurance agents in the state, excellent customer service, and our claims department is quick and fair. Honoring our responsibilities is very important to us. You trust us to be there when you need us the most, and that is a trust we don't take lightly.

Many of our policy holders families have been with us for generations, a symbol of the commitment we have to our members that we provide great value to them. We encourage a strong relationship between our members and our agents. We don't sign you up and forget you, we keep in touch, and maintain your coverages as changes happen in your life. That is our philosophy at Farm Bureau® Insurance, and what helps us stand taller than our competition.

Mission Statement

OUR MISSION STATEMENT As member organizations, Farm Bureau Insurance Companies have their heritage, culture, and value system rooted in agriculture and the ideal of Farm Bureau service to its members. Accordingly, Colorado Farm Bureau Mutual Insurance Co. will strive to serve the members of Farm Bureau in the state of Colorado with the following foundational values in mind:

Providing service that is member/policyholder centric;
Offering quality insurance products that are a value to the policyholder;
Focusing on the need for competitive and comprehensive insurance products for persons engaged in agriculture, and those living in rural and urban areas;
Making good on our promise to the policyholder;
Being ethical, honest and trustworthy in our dealings with the member/policyholder; and
Seeking growth in a fiscally responsible way, so as to provide stability, continuity, and viability.

Nationally

There is a Farm Bureau® Insurance in almost every state in the country, each independently operated. If we were to combine all the Farm Bureau® Insurance companies together, it is believed that we would be the third largest insurance company in the country. This should give you some scope as to how big Farm Bureau® Insurance is on a national scale. However, if you're hearing about us for the first time, we welcome you to our company. We are an organization built on proud traditions and core values. You will never be treated better than with Farm Bureau® Insurance.

Our Product

Since our founding, Farm Bureau Insurance®* has been a part of the Colorado community. We are dedicated to our local community and to our customers. When you become a Farm Bureau Insurance®* customer, you aren't just an anonymous policy number; you become a member of our family. One of the great benefits of that membership is the ability to get affordable, reliable insurance from a company with a proven reputation for providing the highest level of customer service, including fast, fair claims handling.

Take a look at the wide-range of insurance policies we offer to our customers and then contact a local Farm Bureau Insurance®* agent to get a quote.

Auto Insurance

Your local Farm Bureau Insurance®* agent is expertly trained to make sure your Auto Insurance is always up-to-date with your lifestyle. Giving you the coverage and protection you need to keep you and your family protected.

Home Insurance

Your home is one of your most valuable assets you'll ever have, and because is it, you should protect it. Having the 'right' coverage is how your local Farm Bureau Insurance®* agent can help you. When the unexpected happens, Farm Bureau Insurance®* will be there with you, helping you get back on track.

Renters Insurance

Just because you don't own your home doesn't mean you don't have valuables worth protecting. When you consider the cost of your clothing, kitchen supplies, TV, furniture, and so forth, are you in a financial position to replace all those items if the unexpected happens?

Since our founding, Farm Bureau Insurance®* has been a part of the Colorado community. We are dedicated to our local community and to our customers. When you become a Farm Bureau Insurance®* customer, you aren't just an anonymous policy number; you become a member of our family. One of the great benefits of that membership is the ability to get affordable, reliable insurance from a company with a proven reputation for providing the highest level of customer service, including fast, fair claims handling.

Take a look at the wide-range of insurance policies we offer to our customers and then contact a local Farm Bureau Insurance®* agent to get a quote.

Auto Insurance

Home Insurance

Renters Insurance

Life Insurance

Do you have kids, a mortgage, vehicle and student loans or credit card debt? In the untimely event that you or a loved one pass on unexpectedly, do you have the financial capability to replace the income earned by your loved one? Talk to your local Farm Bureau Insurance®* agent about your options today.

Farm & Ranch Insurance

Get the 'right' coverage to protect your family's farm or ranch from a company who has protected farmers and ranchers since 1950. Many farm and ranch type homes are inadequately protected with a standard home insurance policy, leaving you open to risk. Talk to your local Farm Bureau Insurance®* agent today.

Business Insurance

With any business there are risks and liabilities, so protect yourself with Business Insurance. Farm Bureau Insurance®* offers specialized coverage specific for Colorado's small businesses. Get all the facts to make sure your risks are covered.

Health & Other Services

Need affordable individual or group health coverage or financial services such as estate planning? Farm Bureau Insurance®* can help. Learn more about Disability Insurance, Umbrella Coverage, even Flood Insurance to ensure all your risks are protected.
Do you have kids, a mortgage, vehicle and student loans or credit card debt? In the untimely event that you or a loved one pass on unexpectedly, do you have the financial capability to replace the income earned by your loved one? Talk to your local Farm Bureau Insurance®* agent about your options today.

Farm & Ranch Insurance

Get the 'right' coverage to protect your family's farm or ranch from a company who has protected farmers and ranchers since 1950. Many farm and ranch type homes are inadequately protected with a standard home insurance policy, leaving you open to risk. Talk to your local Farm Bureau Insurance®* agent today.

Business Insurance

With any business there are risks and liabilities, so protect yourself with Business Insurance. Farm Bureau Insurance®* offers specialized coverage specific for Colorado's small businesses. Get all the facts to make sure your risks are covered.

Health & Other Services

Need affordable individual or group health coverage or financial services such as estate planning? Farm Bureau Insurance®* can help. Learn more about Disability Insurance, Umbrella Coverage, even Flood Insurance to ensure all your risks are protected.