KIRKWOOD'S CLASS ACTS WINNER FOR MARCH IS...

Camille Pierce of Parkview Elementary is our March winner!! 

Thank you to Doreen Krebs, the Parkview Elementary principal and to the staff for letting us come in and present Mrs. Pierce with her $100 gift card from Farmers Insurance, The Kirkwood Agency, $25 gift card from The Local Watering Hole, and a 30 minute massage from Tara Hayden, Licensed Massage Therapist. 

The nominations from the month of March who were not chosen will be put into the drawing for April as well. 

Help us give back to our local teachers and get your nominations in for April's Kirkwood's Class Acts!

You May Be Covered for This... But Not for Something Like...

We’ve all heard the expression, “You get what you pay for.” How many of us have found that to true? We think we are going to save a little money so we go for the less expensive choice. Sometimes cheaper ends up being more expensive in the long run.

Let’s take auto insurance, for instance. We all have to have auto insurance and there are several insurance companies you can get your auto insurance from but not all of them provide the same, top notch insurance. Cheaper now may mean paying more later when you need to actually use your insurance.

When going with a company who advertises that they can save you hundreds of dollars a year, be very careful and look at what your policy actually covers. Do your research. Will you have a high deductible? To make the insurance cheaper, yes your deductible will be high.  Chances are the policy itself will have gaps throughout so if you were in an accident, the ‘cheap’ just went out the door. Not to mention some insurers will raise your rates or even drop you completely with one claim, no matter how big or small. Forgiveness may not be in their vocabulary. Farmers does have Incident Forgiveness, Small Claims Forgiveness and Comprehensive Claims Forgiveness that can be added to your policy that already comes fitted with quality coverage.

What about putting in a claim? Will they have 24/7 support? Will the person you speak with have the training to know what to do to help you and to make your claim processes go as smoothly and quickly as possible? Who’s to say for sure, but what I do know is that Farmers takes pride in their highly trained agents and their claims professionals to insure that your claims experience is as pleasant as can be. The claims professionals make sure to keep you up to date with the process with the least amount of hassle as possible. Getting you back on the road quickly and back to your norm is key and that’s what they’re goal is.

When writing any type of policy, Farmers makes sure to take the information given and get you into the best policy that fits what you need. We provide personalized service and 24/7 support. You can access documents, billing and policy information online as well. We even have an app for smartphones that’s free.

Saving money always sounds like a good idea but not when it comes to spending more money if something where to happen. Make sure you research and learn about what your insurance covers. Like Professor Burke says, “The more you learn about your insurance, the more gaps you may find. Like you may be covered for this…. But not for something like this…” (See video below.)