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Insurance 4 U 4 Less In Athens Tx

Athens, TX Insurance 4u 4 Less

YP – The Real Yellow Pages SM – helps you find the right local businesses to meet your specific needs. Search results are sorted by a combination of factors to give you a set of choices in response to your search criteria. These factors are similar to those you might use to determine which business to select from a local Yellow Pages directory, including proximity to where you are searching, expertise in the specific services or products you need, and comprehensive business information to help evaluate a business’s suitability for you. “Preferred” listings, or those with featured website buttons, indicate YP advertisers who directly provide information about their businesses to help consumers make more informed buying decisions. YP advertisers receive higher placement in the default ordering of search results and may appear in sponsored listings on the top, side, or bottom of the search results page.

Billy Martin R. Insurance Agency

2032 Republic Dr, Tyler, TX 75701

Allstate Insurance Company

Serving the Athens area.

Texas Financial And Retirement LLC

2405 Oak Aly, Tyler, TX 75703

1. Insurance4u4less.com

890 W Corsicana St Athens, TX 75751

i have been doing business with this insurance company for many years. i have all my insurance with them even though i shop it each and every year. i have insurance on my auto home life health motorcycle and my boat. they represent lots of insurance companies. i have insurance with Allstate,…

2. Insurance4u4Less.Com

716 W Main St Gun Barrel City, TX 75156

From Business: We Strive to give you the best insurance coverage at the best price from the best insurance company

3. Allstate Insurance Company

Serving the Athens Area.

From Business: Drivers who switched to Allstate saved even more than before. Call me first to find out how much you could save. Only an Allstate agent can give you a fast, free …

4. Billy Martin R. Insurance Agency

2032 Republic Dr Tyler, TX 75701

Serving the Athens Area.

I was scheduled to have an angiogram due to abnormalities in a stress test onMay 10th. While I was being prepped, it was found that I hadn’t been p…

6. EZ Out Bond Service

203 E Elm St Tyler, TX 75702

From Business: 24 Hour – 7 Days a week – Across from the Smith County Jail – We have the key to be free!

7. Texas Financial And Retirement LLC

2405 Oak Aly Tyler, TX 75703

From Business: We are a full-service financial firm committed to helping people pursue their financial goals. We offer a wide range of financial products and services to individuals and business owners.

8. Globe Life Insurance

Serving the Athens Area.

From Business: Monthly Rates As Low As $3.49 for Adults and $2.17 for Children and Grandchildren. No Medical Exam. No Waiting Period. Full Coverage First Day. 30-Day Money-Back …

9. The Hanks Group

6300 Samuell Blvd Ste 105 Dallas, TX 75228

From Business: Nationwide insurance protects what matters most to our members. From auto insurance, home insurance, life insurance, and commercial insurance, our commitment to our members is unmatched in the industry. Call now for a free no obligation quote.

10. TZ Insurance Solutions

Serving the Athens Area.

From Business: Affordable insurance plans from top providers. Choose from the top affordable insurance providers. We’re here to help. Call our live operators now. Let us do all …

11. Health Insurance Direct

Serving the Athens Area.

From Business: Health Insurance Direct provides consumers with transparency of information about a broad array of health insurance plans with a selection of price and benefit op…

12. Ready For My Quote

Serving the Athens Area.

From Business: We provide free insurance quotes from many leading providers. We can help you purchase an insurance policy that is not only affordable but also provides the best …

13. Ameriplan Benefit Plans

5700 Democracy Dr Plano, TX 75024

Coupons & Deals 50% Off Electronic – Beauty / Healthcare

From Business: AmeriPlan has an A+ rating with the Better Business Bureau and is partnered with the FBI as one of their protection plans. Ameriplan, through their protection and savings plan, are also partnered with dozens of fortune 500 companies like Sears, Target, JC Penny’s, Wal-Mart, Lens crafters and the list goes on and on. They’v…

14. Select Home Warranty

Serving the Athens Area.

From Business: Homeowners know that expenses continually add up for household repairs, replacements, and service fees. That’s why Select Home Warranty is here to shield your wal…

15. Liberty Mutual Insurance

Serving the Athens Area.

From Business: At Liberty Mutual, we believe insurance should ease your concerns, not cause them. Having confidence that you’re covered today can help you stay ahead of the unex…

16. Liberty Mutual

Serving the Athens Area.

From Business: Your house is important. It’s your family headquarters, your sanctuary, and the hub of all activity. But there’s only so much you can do to protect it – which is …

17. RVInsurance.com

Serving the Athens Area.

From Business: RVInsurance.com offers real RV coverage, not just auto coverage for RVs. We are backed by National General Insurance, one of the leading RV Insurance carriers and…

18. American Home Shield

Serving the Athens Area.

Worst company ever definitely shady and some would say fraudulent!they send out companies with very low ratings that put bandages on broken systems …

19. Progressive Commercial Vehicle

Serving the Athens Area.

I was involved in a car accident 2 months ago (now on month 3) where the progressive client threatened my life when we pulled over to exchange infor…

20. Nationwide Insurance – Rod Hanks

6300 Samuell Blvd Ste 105 Dallas, TX 75228

From Business: Nationwide insurance protects what matters most to our members. From auto insurance, home insurance, life insurance, and commercial insurance, our commitment to our members is unmatched in the industry. Call now for a free no obligation quote.

21. HealthMarkets

Serving the Athens Area.

From Business: HealthMarkets® Health Insurance Enrollment Center Pick the plan that fits you. Everyone is different, so it’s important to choose a health insurance plan that wor…

22. Health Markets

Serving the Athens Area.

From Business: Getting the right health insurance coverage is easy. We help you understand the many health and related insurance options available so you can make the best choic…

23. US medicare

Serving the Athens Area.

From Business: Looking For A Medicare Supplement Plan? Quickly compare Plans from up to 19 top providers. Medicare supplement insurance covers what original Medicare doesn’t: De…

24. Esurance

Serving the Athens Area.

From Business: With 24/7 customer support and convenient online policy management, Esurance offers the best of both worlds in car insurance: people when you want them, technolog…

25. Colonial Penn

Serving the Athens Area.

Name Charles G Brewer I have 7500.life insurance with someone else for 14 years. The price is the same as when I started it . So Iamgoing to reject …

26. Direct Auto & Life Insurance

This company has made my car accident one of the most frustrating experiences of my life! They don’t respond to questions or phone calls, even after…

27. Jerry Vaught – State Farm Insurance Agent

909 E Tyler St Athens, TX 75751

From Business: Our mission is to help people manage the risks of everyday life, recover from the unexpected and realize their dreams.

28. Lona Mauk – State Farm Insurance Agent

710 E Corsicana St Athens, TX 75751

This is the place to go for all of your insurance needs! Everyone is very nice and friendly. They always go the extra mile to make sure things are done right. The office is beautiful. Lona Mauk really cares and her Staff is outstanding. You will love them!

29. Allstate Insurance Agent: Jeremy Millar

514 E Corsicana St Ste B Athens, TX 75751

From Business: As an Allstate Agent in Athens, I know many local families. My knowledge and understanding of the people in this community help me provide customers with an outstanding level of service. I look forward to helping families like yours protect the things that are important – your family, home, car, boat, and more.

30. Allstate Insurance Agent: John L. Trent

605 S Palestine St Athens, TX 75751

From Business: I have been an Allstate agent in the community of Athens, Texas since 1984. I originally became an Allstate agent because I wanted to be able to stay in the community where I was born. I also wanted to have a profession where I could be of service to others and stay involved in the community. I’m glad that these values hav…

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State Farm

  • (866) 276-1219

Tips & Advice

Can I buy a basic plan and still be covered?

Insurance agents will often try to “upsell” on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash.

If I have insurance can I still shop around for a better rate?

Yes. Even after you’ve chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easy. Potential customers can often get free quotes online very quickly.

How do I file a life insurance claim?

Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder’s death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.

How do I file a homeowners insurance claim?

In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.

How do I file an auto insurance claim?

If you’re involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It’s also a good idea, if possible, to take your own notes to record: what happened before the accident, the date and time, traffic signs in the area and road conditions. Also get the other driver’s name, address, license plate number, and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.

How soon should I file an insurance claim?

Filing an insurance claim can be stressful and confusing, but you need to begin the process as soon as possible to make certain you can recover your losses. In the case of emergencies, you should always call 911 first.

What is a claims examiner?

Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.

What is an adjuster?

A claims adjuster or claims examiner is an employee of an insurance company, and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided. An adjuster inspects claims related to property damage, as in the case of auto or home insurance policies.

What is umbrella insurance?

Umbrella insurance is extra coverage from liability for other insurance policies, usually home or auto insurance. Consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover.

Do I need pet insurance?

Medical care for animals can be very costly, particularly because insurance for them is rare. By paying into a premium, you can help offset the cost of unexpected emergencies as well as routine checkups and medication.

Allstate Insurance Company

  • (888) 431-3748

How much could you save? Call for free quote now!

Serving the Athens area.

  • (877) 336-4405

You could save 15% or more on car insurance.

  • (800) 331-1808

You could save 15% or more on car insurance.

  • (800) 331-0587

You could save 15% or more on car insurance.

Billy Martin R. Insurance Agency

2032 Republic Dr, Tyler, TX 75701

Gibb Agency Insurance

13381 State Highway 155 S, Tyler, TX 75703

  • (903) 508-4682

Your Full-Service Insurance Agency

Auto Partners Insurance

1323 S Beckham Ave, Tyler, TX 75701

Serving the Athens area.

  • (877) 294-7187

You could save 15% or more on car insurance.

Serving the Athens area.

  • (800) 550-2513

You could save 15% or more on car insurance.

Acceptance Insurance

  • (800) 287-9126

Low down payments and easy monthly payments

Direct Auto & Life Insurance

  • (877) 777-3245

Contact Us Online or by Phone-Locations Near You!

Serving the Athens area.

  • (800) 550-5298

You could save 15% or more on car insurance.

  • (800) 331-9790

You could save 15% or more on car insurance.

Allstate Insurance Company

  • (844) 374-3470

How much could you save? Call for free quote now!

Acceptance Insurance

  • (800) 284-8401

Low down payments and easy monthly payments

Copeland Insurance Group

5380 Old Bullard Rd Ste 200, Tyler, TX 75703

Sellers Patterson Insurance

5070 Kinsey Dr, Tyler, TX 75703

Texas Financial And Retirement LLC

2405 Oak Aly, Tyler, TX 75703

Scott Bowles Allstate Insurance

2010 Gilmer Rd Ste 108, Longview, TX 75604

Allstate Insurance Company

  • (844) 797-6789

How much could you save? Call for free quote now!

Answer Financial

Serving the Athens area.

Allstate Insurance Company

Serving the Athens area.

  • (844) 588-0710

For a FREE quote, Call a local Agent today!

Thompson-Hicks

3919 S Broadway Ave, Tyler, TX 75701

  • (903) 561-7641

Contact Us For Information

GEICO Insurance

Malakoff, TX 75148

Alan Smith – State Farm Insurance Agent

5528 Old Bullard Rd Ste 101, Tyler, TX 75703

Amanda Froebe – State Farm Insurance Agent

1401 S Main St, Lindale, TX 75771

Chuck Osborn – State Farm Insurance Agent

1200 State Highway 110 N, Whitehouse, TX 75791

Diane Neilsen – State Farm Insurance Agent

1609 Us Highway 79 S, Henderson, TX 75654

George Rowe – State Farm Insurance Agent

6616 S Broadway Ave, Tyler, TX 75703

Ruth Martin Insurance in Athens and Gun Barrel have a professional staff to help and answer your questions. They helped me locate the right insurance for my needs.

Insurance Basics

To mitigate the risk of loss, people purchase insurance policies from a company. When buying a policy, the person agrees to pay a premium, which is small, regular payment based on the losses that may occur. If the insurance provider determines there is a greater chance of risk as compared to the average policy, the premium is usually higher. Premiums are often paid monthly, and can add up over time up to be greater than the expense of replacing the insured item.

Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.

Insurance Agents
Selecting the right insurance involves careful research and evaluating many different options for coverage. This is why many people use an insurance agent to assist with making the right choice depending on their needs and financial situation. Agents often interview potential or current clients to get an idea of which insurance policies would benefit them the most. Based on their needs and individual risk, agents can often give potential customers a quote, which serves as a cost estimate for a specific policy. This is only a rough idea of what the policy will cost, because evaluating the risk associated with a given customer can take time. Insurance companies often compile an insurance score to quantify the risk an individual poses and calculate premiums accordingly. Credit scores play a major role in insurance scores, but past insurance-claim history is also taken into account.

While agents often specialize in a particular category of insurance, some sell several different types of insurance. Agents can work for a larger insurance company or operate independently, selling policies from several different insurers.

Insurance Products

Almost anything of value can be insured to protect against loss due to a variety of circumstances. Insurance policies are very specific in the items they protect and in what event the policy holders will be reimbursed. Some of the most common insurance policies cover things we all use.

Automotive Insurance
Millions of Americans drive a car to get from place to place each day, so it makes sense that auto insurance is one of the most commonly used types. In most states, the law requires drivers to maintain an active insurance policy on any car, up to a certain amount. Most car owners are required at minimum to purchase liability insurance, which protects against damage for which the policyholder is at fault. Liability insurance covers damage to property as well as any injuries sustained in an accident. It’s important to note liability insurance only covers damage or injuries of others, not the policyholder themselves. In addition to liability insurance, car owners can also purchase coverage for their own vehicle and medical expenses in the event of an accident. For this purpose, liability, vehicle and medical coverage are often packaged together in a single policy.

Insurance can also be purchased for other vehicles, like motorcycles, ATVs, boats or RVs, and generally functions similarly to car insurance. Policies for alternative vehicles may have higher premiums if they are considered more dangerous, or might include other coverage options specific to the vehicle. Many companies that provide auto insurance will also offer coverage for motorcycles, ATVs, boats and RVs.

Homeowners Insurance
Your home, condo or apartment is probably the most valuable thing you own or otherwise pay for, so it makes sense to get it insured. Homeowners insurance is important not just for the security of the house itself, but for its ability to cover possessions inside the home as well. Many mortgage lenders also require an active home insurance policy.

Like auto insurance, homeowners insurance is typically bundled together with policies covering many different items or categories of items. The primary coverage type is for the dwelling, insuring the house itself and all structures attached to it. Policies may also cover property within the home, with premiums varying depending on the value of all assets. Personal liability may also be included for damage or injuries sustained on your property that you are responsible for, much like auto insurance.

Property insurance also may cover certain major events outside of your control. These are known as perils, and may include fire, flooding, natural disasters and other catastrophic events. You may want to purchase insurance against one or more of these perils if you live in a high-risk area. Flood insurance is an exception, however, and can be purchased through the government-sponsored National Flood Insurance Program. Your lender may require this if you live in a flood-prone area.

Health Insurance
To help pay for medical expenses, many people rely on their health insurance. With the passing of the Affordable Care Act, almost every American is required to enroll in a health care plan, or they face a penalty. Health insurance works similarly to other forms of insurance, although it is probably used to cover expenses more often, since car accidents and home damage are relatively rare compared to doctor visits and the need for medicine. Health insurance also operates on a premium-deductible model, and policyholders can choose what level of coverage works best for their lifestyle. For example, if you visit doctors very infrequently, you may consider a plan with a low premium and a higher deductible. On the other hand, people who require regular medical care may wish to pay a higher premium in exchange for more coverage from their deductible. Dental and vision care are sold as separate plans and are not required by law.

Life Insurance
When someone dies unexpectedly or is injured severely enough to be unable to work, it can be a financial disaster for their family or loved ones. Many people choose to purchase a life insurance policy to support their family in the event their regular income is suddenly lost. Life insurance comes in two basic types: term and universal. With a term life insurance plan, you pay a premium for a predetermined amount of time, usually 10 years or more. If you die at any point in that timeframe, your family receives a death benefit. If you’re still around when the term is over, the coverage is canceled and you receive nothing. Universal life covers your entire life, and usually delivers a minimum benefit at death.

Travel insurance
Travel insurance is available for individuals who want to protect against unexpected setbacks in the course of travel, whether it’s losing luggage or medical treatment abroad. Travel insurance may prove particularly useful for people who travel a lot for work or often visit remote locations. Travel insurance can take the form of either specific or blanket coverage. Specific coverage is useful for covering only certain risks, like medical emergencies or unexpected trip cancelation. Blanket coverage may cover some or all of your expenses for your entire trip.

Pet insurance
Pet insurance is a relatively new product that may help cover the costs of medical care for a dog, cat or other domestic animal. Medical care for animals can be very costly, particularly because insurance for them is rare. By paying into a premium, you can help offset the cost of unexpected emergencies as well as routine checkups and medication. While virtually unheard of a few years ago, pet insurance has become more popular as the cost of veterinarian care has continued to rise.

Umbrella insurance
Umbrella insurance is extra coverage from liability for other insurance policies, usually home or auto insurance. Consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover. For example, most car insurance liability policies cover at least $25,000 per person or $50,000 per accident. But if the accident involves a very valuable car, or the victim is willing to pursue legal action, insurance may not even begin to cover the full cost. You may want to hedge your risk by purchasing umbrella insurance to add extra protection to your existing policy.

Insurance Claims Basics

To receive a payout for an insurance policy, the policyholder must file a claim with the insurance company. The basics of the process are straightforward, but can vary depending on the type of insurance.

Claims Adjusters and Examiners
A claims adjuster or claims examiner is an employee of an insurance company, and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided. An adjuster inspects claims related to property damage, as in the case of auto or home insurance policies. Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.

How To Make a Claim
Filing an insurance claim can be stressful and confusing, but you need to begin the process as soon as possible to make certain you can recover your losses. It’s important to note that in the case of emergencies, you should always call 911 first. The safety and health of yourself and others takes precedent over insurance.

Auto Insurance Claim: If you’re involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It’s also a good idea, if possible, to take your own notes at the scene. The most important things to record are what happened before the accident, the date and time, traffic signs in the area and road conditions. Also be sure to get the other driver’s name, address, license plate number and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.
Homeowners Insurance Claim: In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.
Life Insurance Claim: Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder’s death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.

Finding Discounts on Insurance

Insurance is a wise investment, but it can make a dent in your monthly budget. Thankfully, there are a variety of ways to trim the fat off your premiums and make certain you are paying only as much as you need.

Shop and Compare
Perhaps the best way to save on any insurance policy is to take the time to compare prices between as many companies and plans as possible. Even after you’ve chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easier than ever before. Potential customers can often get free quotes online very quickly.

Buy Only What You Need
Insurance agents will often try to “upsell” on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash. It can help to create a budget and know exactly how much income you have to work with before making a decision on a new policy.

Take Advantage of Discounts
Insurance providers offer a wide variety of discounts for all kinds of special customers or circumstances. In one of the most basic discounts, many companies will offer lower rates for customers who purchase home, auto and life insurance policies from the same provider. Car owners may get a rebate from taking a safe driving course. For those with teenagers on their plan, good grades can earn a small discount as well. Insuring multiple cars with the same provider may also lower premiums. Some providers will offer lower rates for military personnel, federal employees, teachers, first responders and their families.

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