Shop For Insurance and Be Guaranteed a Competitive Rate...Written by Jordan Walt
Continued from page 1 Independent agencies have actually been around longer than captive market (i.e. Farmers, Allstate, etc), and typically have been known to write majority of commercial insurance. Captives have taken a larger percentage of personal lines (home, auto, etc.) market, even though an IA can generally offer them comparable, if not better, coverage. This is due to captive companies having millions of dollars to put into advertising to draw in consumer. On other hand, many people never know what an independent agency even is. This gives captive market an obvious advantage, but as people become more educated on this topic, more will look to independent segment to meet their insurance needs. An IA can obviously bring a lot to table for any consumer, real question is: Why are consumers not bringing more of them to table? By: Jordan Walt, Independent Agent for AIC Insurance Agency: www.aicinsco.com

A Graduate of Oregon State University and an agent for AIC Insurance Agency.
| | Choosing the Moving Service You NeedWritten by Ispas Marin
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If moving to another state make sure you understand information you'll receive. The moving company is required to give you more then just brochures explaining moving services they provide, a copy of a consumer booklet with title "Your Rights and Responsibilities When You Move". Besides that, you should also receive information about mover's participation in a Dispute Settlement Program. The arrangements for you move should be made in advance, 5-6 weeks before moving date is a minimum. Before choosing mover make sure you understand following: - rates and charges of moving company for services; - liability for belongings; - way pickup and delivery will be done; - claims protection you have.

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