Meet Your TruePoint Customer Service Team

http://www.insuringky.com

 Welcome to Truepoint insurance. We are insuringky.com

Thank you for choosing us for your insurance needs! It is our commitment to provide our clients with quality insurance products at a great price, and we are so pleased to have you as a new customer! As you may have already discovered, we offer real-time quotes on our website, payments over the phone, and E-signature options for most documents. Did you know you can also print ID Cards directly from our website? Of course, we always enjoy meeting and seeing our customers face to face! However, we understand your time is valuable, so we offer electronic options, as well as two office locations in order to accommodate your schedule. We have expanded our service team, as well, and look forward to helping you protect what is valuable to you!

OUR SERVICE TEAM:

 

 

Fisherville, KY Insurance           Insurance Lawrenceburg, KY  TruePoint Insurance

6287 Taylorsville Rd.             1085 Eagle Lake Drive

Fisherville, KY  40023           Lawrenceburg, KY  40342

CSR TruePoint Insurance, Fisherville                         PHONE: (502)410-5089                                                          Insurance Lawrenceburg KY, Home Auto Business

 

Jordan Milburn, ext. 105                                                                                                                                     Jessica Coleman, ext. 120

Licensed Service Specialist                                                                                                                                   Director of Client Services

CLIENT LIAISON                                                                                                                                              ACCOUNT EXECUTIVE

jordan.milburn@truepointgroup.com                                                                                                               jessica.coleman@truepointgroup.com

Jordan will likely be your first point of contact when you call. She is a licensed P&C Agent, and her primary responsibility is to ensure your satisfaction. From providing proof of insurance, taking payments, and processing policy changes to quoting/issuing new policies, she can often handle your requests quickly and efficiently (or direct you to the most effective resource available).

Jessica will be in the Lawrenceburg office from 8:30-4:30, M-F. She will coordinate with Jordan to ensure our agency is meeting the needs of our clients. As the Director of Client Services, she will be happy to review your policy at each renewal, and make sure you are receiving all of the discounts and coverage options available to you. You can call or email her to schedule your personal policy review. Also, if things change in your life (and they usually do), don’t forget to call and tell us! We want to keep you covered correctly! And if the worst should happen, and you need to file a claim, Jessica will gladly help you through the filing process for the quickest resolution possible.

They are both committed to giving you amazing service, and looking forward to working with you.

Please let us know if you have any questions about your new policy, or if you would like for us to quote another type of insurance for you. We appreciate your business!

Sincerely,

 

Brad and Kristen Smith

P.S. If you are happy with your service, Like, Share, or Leave a Review!  We’d love to hear your thoughts!

Car Insurance Quotes Kentucky

 

Click here for an real time instant online quote

 

Car Insurance Quotes Kentucky

Decision making, in the most logical form, is nothing more than simple math.  A series of pluses and minuses that when summed lead to an affirmative or negative answer to the dilemma at hand.   A good example would be “why do I want to live in Kentucky?  My top five reasons would be:

Our Small Towns: For me, the small towns represent the soul of Kentucky.  Two of my personal favorites are Augusta and Danville.  On the Ohio River, about forty miles from Cincinnati you will find the small town of Augusta.  One of Kentucky’s many small-town treasures; Augusta was the childhood home of George Clooney.  Traveling just under an hour south of Lexington you will find the birthplace of Kentucky.  Danville was the first Capital of Kentucky.  The state’s first constitution was drafted and signed here.  Danville is the home of Centre College a Liberal Arts College that consistently ranks among the top fifty Colleges in the U.S.  Centre has been a site for to two recent Vice Presidential debates.  For me, the small towns are the soul of Kentucky.

Horses: Churchill Downs in Louisville and in Lexington, Keeneland; both rank among the top horse racing tracks in the world.  Many of Kentucky’s biggest stars reside in the Bluegrass Region.  Paris, Midway, Versailles, Lexington, Georgetown, Winchester and Lexington are home to the four-legged elite of Kentucky.

Basketball:                There is one thing that Kentucky residents will agree on; “Basketball is King in the Bluegrass.”  College basketball in Kentucky is a year-round spectacle and the rivalry between the University of Kentucky and the University of Louisville is second to none.

Bourbon:                           For generations Kentucky folk have been the butt of jokes, many of which have brought our intelligence into question.  Look who gets the last laugh.  The world has somehow figured out what Kentuckians have known for eons.  For those of you just discovery Kentucky Bourbon, consider yourself lucky that we have enough to share.  From Wild Turkey and Four Roses in Lawrenceburg to Bullitt Counties Jim Beam and many others scattered all across the Commonwealth, Kentucky distillers are working hard to insure that there is enough bourbon for all of us.

People:                               Cross the state line into Kentucky and it won’t take long for you see what truly sets our state apart.   It’s us, are people.  Kentuckians make Kentucky.  Total strangers greeting you like a lifelong friend.  Kentuckians are loving people that truly care about you.  You see it, you will sense it, and if you listen, you will hear it.  You will hear us ask; “How Y’all doing?”   This is followed by a question mark and is not to be confused with the more rhetorical “how are you doing.”  If it seems a bit dim-witted, then you need to hear it first-hand.  Only then will you see the compassion behind the question, “how Y’all?”   A question with purpose! A question asked with the intent to insure your well-being.

Online car insurance quote Kentucky provided in real time by TruePoint Insurance
Click here for an instant online auto insurance quote provided in real-time by TruePoint Insurance

Although you may not hear them as often, there are also many reasons that make it less appealing to call Kentucky home.  We pay more for our insurance than most.  Don’t believe me?  Take some time to get a Kentucky car insurance quote. 

Why?  

Car Insurance in Kentucky

Auto insurance in Kentucky is expensive when compared to most other states.  In recent years people relocating to the state were quiet shocked to find that their car insurance quote in Kentucky was considerably higher than before.  For an extended period of time, a Kentucky auto insurance quote would have been one of the ten most expensive states for auto insurance.  Even today, Kentucky ranks in the twenty most expensive states for car insurance.  Car insurance in Kentucky is more expensive than Maryland, New Jersey, New York, Florida and several other states that would seem to represent a higher risk for the auto insurance companies.

Before pointing the finger at the car insurance companies, consider the following factors that are driving the Kentucky auto insurance premiums higher:

  • The number of Kentucky deaths related to auto accidents is appalling. Kentucky has the second most deaths per miles driven and is almost 150% of the national average.
  • Kentucky is one of twelve states with no-fault insurance laws. Critics suggest that this form of insurance is:
    • Leading to widespread car insurance fraud in Florida and as a result, many auto insurance companies are reducing their business there. Evidence points to similar issues that are leading to higher auto insurance quotes in Louisville.
    • These laws were adopted to prevent abuse and discourage ambulance chasers. Unfortunately, there have been serious negative consequences that revolve around, fraud and increased medical cost without a significant reduction in lawsuits.
    • New York’s no-fault auto insurance system is near the breaking point which could lead to significant changes in the near term.
  • Uninsured and Underinsured Motorist represent another issue that is putting upward pressure on Kentucky car insurance quotes. Kentucky ranks in the middle of the pack among all states regards uninsured motorist.  While this most likely has little if any impact on your car insurance quote Kentucky, it is highly likely that car insurance for Kentucky residents is higher due to the higher number of underinsured motorist.  Who is an underinsured motorist?  I am, the guy has the lowest premium auto insurance, and you.  Even Warren Buffet could be considered an underinsured driver.   Since awards for damages are ultimately in the hands of a judge or jury, it is possible that any of us are underinsured.

 

My logic is that the states with the lowest minimum mandatory auto liability coverage are the states with the greatest exposure to underinsured drivers.  Only eleven states have lower state minimum auto liability coverages than Kentucky, which is my reasoning why underinsured motorist have an upward bias when it comes to car insurance for Kentucky.

At this point, my plus/minus matrix is five to one for staying put.  I will keep paying a little extra for my car insurance because I love the people and the basketball.  Y’all have a great day, ya hear?

 

Truepoint insurance. We are insuringky.com
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Understanding your home insurance deductibles

Deductibles with Truepoint Insurance

For many years, deductibles have been considered to be a fundamental element of the insurance contract. It is therefore vital to understand its importance when insuring your Fisherville, KY home to reap the benefit of your insurance policy.

A deductible is an amount of money the insurance holder pays towards an insured loss. Therefore, a financial obligation by the insurance holder since it forms part of the insurance contract. On many occasions, the amount you come up with as the deductible is paid before a claim.

Insurance deductibles have basics as explained below:

How to identify the amount of your deductible

On your contract, the insurance deductible is listed under the terms and conditions section which is on the declaration page of the insurance policy. As a homeowner, you will choose the deductible amount for your home and the contents. The policyholder chooses how much the deductible will be, but the insurance company sets the minimum deductible depending on the insurance policy, but regardless, the higher the deductible, the lower the cost of insurance.

How to save money with a deductible

As an insurance holder, despite the fact that you pay the premiums, you might not have claims every year. It is, for this reason, an advantage especially in instances where you pay higher deductibles or an increased amount of deductible more than the minimum since you will be able to save a good percentage on your insurance cost.

How to identify a loyalty deductible

It is important to understand the costs for each deductible on each policy. In case a policy has a waiver, and its cost is the same as policy without a waiver, then consider it as a loyalty advantage and a pleasant characteristic of the coverage you are purchasing. If there is a cost attached, then as the policyholder, it is upon you to contemplate whether it is worthwhile to pay more.

Being one of the fastest growing insurance companies in Fisherville, KY, Truepoint Insurance offers help with home insurance policies. Contact our offices to speak with an agent and to have your questions answered. We look forward to hearing from you.

Looking for a good insurance agent

Truepoint insurance.  We are insuringky.com
we are
insuring.com

If you don’t already have one, then it’s safe to assume your answer is yes. When it comes to insurance, we all want to know that we are entrusting the right people.

 
If you were to take a poll with the question being “Share with us the first thoughts that come to mind when you hear the word insurance.”
 
“BORING”
“Frustrating”
“I don’t need any more”
“Too expensive”
 
I am sure these and many similar thoughts would rank near the top of the list. More likely at the top. I am also comfortable that……
 
“My insurance agent is the best”
“I am already working with the top insurance agent in Louisville” “I have the best insurance agent in Kentucky”
 
…..won’t rank high in our insurance poll. Not even an agents’ mother would associate words like; best, top, great, amazing, elite or awesome to insurance agent or insurance agency.
 
However, most people realize the importance of working with a good insurance agent. But where do you begin? How do you know if your agent is one of the top insurance agents in Kentucky? Is it possible to discern if I am working with one of the best insurance agencies in Louisville?
A good insurance agent, not one that can sell ice to an eskimo
I don’t have the answer and I would be very suspect of anyone that said they did. However, I can share with you some of the things I would consider if I were looking for a great insurance agency:
 
1. Avoid the Hard Sell: The day of the hard sell has long passed. Consumers are Buyers! This leaves no room for the salesperson. I can’t think of a product or service that I want someone to sell me. Educate me. Please! Which by default means that I am looking for someone that I can trust?
 
2. Trust: For me, trust is the key. When I am buying my first move is to find someone in the know that I Trust. I get a lot of grief when I say this, but the right insurance agent is not trying to sell. A good insurance agency understands that you don’t sell insurance. Insurance should not be sold. Consumers buy insurance. They buy insurance from people that they trust. This is why I firmly believe that the best insurance agents or brokers realize that the insurance transactions occur as a result of trust. Trust cannot be sold, it must be earned.
 
3. Service: Excluding Government, I am hard pressed to come up with a business or organization that doesn’t acknowledge the importance of customer service. I did say acknowledge. While not all practice what they preach, many of us that realize that good customer service comes with more than just a smile. For me, good customer service also sends a signal that this is an organization that I can trust. As I see it, entities providing a high level of customer services, are doing more than acknowledging the role that trust plays in a business relationship. These businesses have also realized that earning your trust is only a part of the equation. Maintaining and keeping your trust is just, if not more, important.
 
Sure there is more to finding the right insurance agent. Many of the factors that drive your decision will be impacted by your unique needs. For those not interested in online insurance, the location will be a significant factor. With numerous options, finding a good insurance agent in Louisville, Lexington or most other areas of Kentucky’s other larger cities shouldn’t be a backbreaker.
Truepoint insurance.  We are insuringky.com
we are
insuring.com

Think you don’t need renter’s insurance. Maybe you should reconsider.

Insurance agent’s sell renters insurance based on cost. It’s easier that way, as the cost for renter’s coverage is insignificant when packaged with an existing auto policy.

But cost is not the real story. Property coverages are great, but the exposure that concerns me the most is liability.

Let’s say you have $25,000 worth of personal property. If you get a renters policy and it’s covered, great. If you have fire and all the property is lost your renters policy will pay. If you don’t then you lose $25,000. With or without a renter’s policy you know what your exposure is.

But what will happen you invite your neighbor over for coffee….. We all know the McDonald’s coffee story. If you don’t have a renter’s policy, you will be the one on the hook. With a renter’s policy, your exposure should be covered or at least significantly mitigated.

Will attorney’s fees be covered in the event of a frivolous lawsuit?  Most likely!

The bottom-line is simple. When we know the cost of a potential loss, we can better evaluate the risk-reward. Liability exposures are much more difficult to evaluate and there is no reasonable way to discern the value of an insurance policy. We live in one of the most litigious countries in the world.  Don’t underestimate the value of the renter’s liability coverage. More importantly, don’t pass on a renter’s policy based on the fact that you are willing to underwrite your own property risk. By doing that you are underwriting your liability exposure too.



 TruePoint Insurance offers many great options that allow renters to protective themselves from both property and liability exposures.  Call us today at (502) 410-5089, or visit our website and try out our Instant Online Rater where you can access real insurance quotes in real-time whenever or where you like.

Renter’s Insurance, another reason why we are insuringky.com