ATD Insurance

HERE ARE SOME IMPORTANT REASONS..... You will have the benefit of a licensed independent agent who offers you the services of a qualified, specially trained professional. An Independent Agent can offer you more choices of policies and riders that are economical and best fit your particular needs. Here are some of the advantages they can offer:

• The choice of the beneficiary (not necessarily the lending institution)

• The choice of the amount of protection you want

• Additional benefits to enhance your policy

• The ability to convert to a permanent policy at a later date

• A policy with full ownership rights and privileges, allowing you to change beneficiaries and death benefit amount

• The selection of several convenient premium payment plans

CALL OUR OFFICE TODAY FOR A PERSONALIZED PROPOSAL!

HERE'S WHEN ITS TIME TO RE-THINK YOUR INSURANCE:

1. WHEN YOU'RE WITH A DIRECT WRITER if price, coverage and claims payment are important to you, remember that "captive agents" are not independent. They work for their Company first and for you second.

2. WHEN PREMIUMS INCREASE EVERY YEAR - Sure, prices can go up. But they can also go down. If you face "automatic" increases every year, either your agent is not able to change companies, or doesn't wish to.

3. WHEN YOUR AGENT DOESN'T "SHOP FOR YOU - You shouldn't have to call a half dozen sources to get the best coverage and competitive rates. Your agent should analyze your needs, and offer you options from which to choose.

4. WHEN AN AGENT DOESN'T OFFER YOUR "RISK MANAGEMENT" - Hints on reducing risk and installing safety devices (alarm systems, dead bolts, etc) should be part of the service. They can save you money, as well as grief

5. WHEN YOU HEAR FROM YOUR AGENT ONLY AT RENEWAL TIME - You deserve to be contacted periodically, not just when a premium is due. A mid-year review on most coverages (to be sure they are still current) should be part of the service.

6. WHEN YOU CALL AND IT TAKES FOREVER TO FIND YOUR FILE OR CALL BACK - When you call it's important! So whether your agent, a customer rep or a secretary answers, your account information should be immediately available. An important part of the service!

7. WHEN THERE'S NO "PERSONAL" CLAIMS SERVICE - Let's face it - when you have a loss, you don't want to talk to a recording or voice mail or an "800" number. You want and deserve a human voice and personal assistance for a fast, fair claim settlement.

8. WHEN YOU CAN'T GET ALL OF YOUR COVERAGE FROM A SINGLE SOURCE - Personal Lines and commercial coverages if you have a business, and life/accident and health insurance can all be under one roof. That way, no matter what protection you need, no matter what losses you suffer - you always know where to go.

9. WHEN YOU DON'T HAVE YOUR OWN AGENT OR CUSTOMER SERVICE REPRESENTATIVE - Insurance is a service business and you're entitled to be served - not only by an agent, but by a customer service representative and a dedicated staff that cares about your important business.

10. WHEN YOU'RE NOT SO SURE ABOUT THE INSURER WHO PROVIDES YOUR COVERAGE - "Stability" should be the name of the game when it comes to your insurance company. If you don't recognize the name, or find that the company has a poor rating, it's probably a good idea to get a second opinion.

If your unmarried son or daughter is enrolled in high school, college, or technical school and has a cumulative "B" or better grade average, you could be eligible for an automobile policy discount of up to 20%

The holder of a Temporary Permit purchased at age 15-1/2 must have completed 50 hours of supervised driving, at least 10 of those at night, with a parent or legal guardian prior to getting a license. Parents or legal guardians must confirm the 50 hours in writing, under penalty of falsification.

Teens under age 16 who hold a Temporary Permit must be accompanied by a licensed parent, legal guardian or legal driving instructor seated next to them in the vehicle. If under the age 18, teens must have their Temporary Permit for a minimum of six months before obtaining a license.

New drivers must also observe the already-mandated driver education training in addition to the 50 hours of supervised driving. Driver Education course consist of 24 hours classroom instruction and 8 hours behind the wheel driving if you apply for your license before age 18. This program was designed to provide new drivers under age 18 with additional experience and skills when behind the wheel of a motor vehicle - SKILLS THAT LAST A LIFETIME AND SAVE LIVES.

Drivers under age 17 will not be permitted to operate a motor vehicle with more than one person who is not a family member in the vehicle, unless accompanied by the license holder's parent, guardian, or legal custodian. Studies conducted by the Insurance Institute for Highway Safety have shown that one passenger doubles the risk of a crash among teen drivers, two passengers triple the risk, and three or more passengers increase the risk by more than six.

Drivers under age 17 are prohibited from driving between midnight and 6 a.m. unless accompanied by a parent or guardian with the same exemptions above.

Drivers between 17 and 18 years of age will be restricted from driving between the hours of 1 a.m. and 5 a.m. unless the driver is accompanied by a parent or guardian.

Every 22 seconds a vehicle is stolen somewhere in the U.S. Thieves steal one million motor vehicles a year, with nearly one in seven left unlocked. It adds up to an estimated total economic cost of $7 billion including the value of the car and the cost of trying to find it.

We welcome you to the new look of ATD Insurance! We simplified our site to make finding the information you need easier.