Simmons Insurance Group

If you are towing your boat and the trailer hits another vehicle, this will be covered by your auto insurance. While physical damage to your trailer can be an addition to your boat policy, liability coverage for your trailer will be under your auto policy. Give us a call today to discuss options for your boat trailer coverage.

There are two main methods for calculating the amount an insurance carrier will pay out for your home in the event of a loss. The Actual Cash Value sometimes referred to as market value, equals the replacement cost minus any depreciation. It would be the value of your home if the home were sold at the market value. On the other hand, Replacement Cost is calculated by how much it would cost to replace your home with the same quality without depreciation. Meaning, the difference between the two is depreciation, but both are meant to replace your home and its contents if you suffer a total loss. For more information and confirm that you have the right amount of coverage for your home, give us a call to talk to a licensed agent experienced in home valuations.

Not always! We have simplified life insurance products that can get you protected and provide your family with benefits without going through an in-person medical exam.

Yes! Generally, if you carry liability, comprehensive, and collision coverage, your auto policy will extend coverage to any vehicle you drive. Meaning, if you are in an accident while driving a rental car, you will be covered at the same limits as if you were in your own vehicle.

A deductible is a specific amount you are responsible for before your insurance policy starts to pay for repairs or services. The deductible on an auto policy can be from $100 to $2,500. A higher deductible on your policy will have a lower premium, while a lower deductible will result in a higher premium. A homeowners policy is usually a higher deductible because claims happen less often. They are generally between $500 and $5,000 and also directly impact the policy premium. Financial experts recommend keeping the amount of your deductible in savings so that you have the money available in the event of a claim. Here is an example of how your deductible works: You get in a car accident that causes $2,400 of damage to your vehicle. Your car insurance policy has a $500 deductible, you would pay $500, and the insurance company would cover the remaining $1,900.

Yes! Chips are common and unavoidable, and a tiny chip can quickly turn into a crack that requires a complete windshield replacement. Windshield chips and cracks are covered under your comprehensive and collision but are subject to your policy deductible. A chip repair will be under the typical policy deductible. Because a chip can turn into a larger crack that costs hundreds to replace the windshield, you should repair any small chips as soon as possible. Glass coverage will cover minor repairs with no deductible. Glass coverage is also affordable, included in some policies or, for a small additional monthly fee. Give us a call today to find out if your policy covers minor glass repairs at no charge.

Completely free to you! One of the most often misconceptions in insurance is that you can get cheaper rates direct through companies that spend millions on advertising. Using an independent local agent, we can offer the same rates and compare with each company, so we find you the absolute best deal with the coverage you need. We take the time to understand your situation, and you can relax knowing you are fully protected. Give us a call today, and let us compare your current coverage with the top companies like Progressive, Nationwide, Travelers, Safeco, and Liberty Mutual with one call.

- Independent agents take the time to understand your specific needs, budget, and assets to find you the best plan for your unique circumstances. - Local agents offer the same prices as you can find online and compare them to the state's top carriers to find you the best deal. -Working with an agent ensures you are getting the right amount of coverage to protect your financial future. - A local agent supports community events, groups, and volunteers and builds relationships across real estate, auto, and financial services to grow the local economy and add to the community we share. -The independent agent is an advocate for you throughout a claim, helping you navigate the process and get your reimbursement funds quickly. - Agents know all the best discounts available to make sure you get the best deal.

We carry Progressive, Nationwide, Safeco, Travelers, Foremost, The Hartford, Kemper, American Modern and more. We can search the top carriers to find the best insurance policy for your needs.

Yes they work with progressive