Our experienced professional agents are licensed to sell Home, Auto, Life, Health, Bonds, Commercial/Business, SR-22's, Annuities, Long Term Care, and financial products

Immediately!  You can set your policy and make your payments over the phone within minutes.  We can email, or fax you proof of insurance immediately so you have proof that you are covered.

No problem, we have quite possibly the most competitive insurance program for you!  Our clients tells us they save hundreds of dollars a year, even if they have had bad driving records, includings SR-22's, DUIs, multiple speeding tickets, or previous license suspensions.  More imporantly, we help you get back to the best rates in the business!

And SR-22 is a proof of financial responsibility usually required by the court or under state law for persons convicted of certain traffice violations.  The SR-22 is a form that must be filed stating that auto liability insurance is in effect for a particular individual.  Yes, we can get you an SR-22, and quite possibly the most competitve rates you will find!

Of course!  We're more than happy to help to get you legal.  Here's a secret you won't hear from the other guys though.  Sometimes its cheaper to have higher coverage.  Our agents will run all scenarios, to make sure you are paying the least out of your pocket.

Absolutely.  We know you didn't wake up this morning thinking about insurance, so we want to make the process as easy and stress free as possible. Just let us a know a convenient time and location, and we can meet you wherever you need!

More discounts than you can imagine, here is a list:

Accident Free

Car Insurance Discounts
New Car	Passive Restraint	Good Student	Accident Free
Safe Driver	Multi-Car	Terms with prior carrier	Multi-Policy
Home & Car	Renters & Car	Home ownership	Advance Quote
Personal Status	Financial Product discount	Affinity	Long term Policyholder

Farm bureau is an outside membership that ranges from $56/year in Franklin county to up to $66 in some of the surrounding counties.  However, the sometimes you can save well over $100 by being a member, so we check on most policies to see if you save more than what it costs.  If so, we recommend joining.  If not, we don't, its that simple. 

Not everyone needs life insurance. Your ability to earn income is usually a significant part of your family's lifestyle, and the loss of that income could be damaging.  Here are some reasons why people purchase life insurance:

1)  To replace income your family needs to maintain its currently lifestyle.  Would your family be able to make the house payment, car payments, or pay off their debt, if you income was suddenly gone?

2)  Protection against leaving a lot of debt to your family upon your death.  Many people purchase life insurance that would pay off a mortgage, car, credit cards, childrens tuitions, or personal & business debts in the event of their death.

3) To pay for for final funeral expenses, and/or taxes that may be incurred in the event of ones death.

4)  Create a trust fund, or educational fund that can be used to care for family members long after you die.

Many people purchase a term life policy to protect their home in the case of their death. Regular homeowners insurance will not pay off your mortgage in the event of your death, so many people will purchase a term life policy for the amount of their mortgage, and at a term length equal to their mortgage.  For instance, if you have a 30 year loan for $250,000, you can purchase a 30 year term life insurance policy with a value of $250,000.  In the event of your death, the life insurance could be used to pay off the mortgage, so your family no longer has that financial hardship.  The cost is very minimal, and we can give you a quote in minutes, or click here an answer a few questions, and we'll get back with you for a quote.

A personal umbrella is a low cost insurance policy that provides coverage above and beyond the limits of liability on your home & auto policies.  Umbrella policies can be as high as $10 million in coverage.  These policies pay out after you have already exhausted your liability coverage amounts on your underlying policy.

You're particularly exposed to the risk of an incident resulting in litigation if you have a swimming pool, have a student driver in the family, engage is high risk activities (jet skiing, snowboarding, snow skiing, horseback riding, boating etc.). Even the game of golf results in major lawsuits every year when someone is hit by an errant ball.

If you lose a lawsuit, and don't have enough liability coverage, your personal assets can be taken to satisfy the judgement against you.  Investments, savings, even your future earnings can all be taken to satisfy a judgement against you.

$1 million policies are usually available for less than $200/year.

What if I have a younger driver?  Will it affect my premium?

Unfortunately yes.  Because younger drivers have less driving experience, and a higher risk of accidents you will see an increase in your premiums.  The good news, is that Nationwide uses driver averaging to determine your premium.  This means that your longer and better driving record, is used to offset a new or younger driver's inexperience.  This results in lower premiums for you! You can also take advantage of our Smart Ride discount for youthful drivers, as well as the Good Student discount if you younger driver is in school, and has a 3.0 GPA.

If you have a MySpace account, you can add us as one of your friends (click here to go to our MySpace page).  We blog regularly there, with the latest news and discounts, and keep you in the know regarding insurance.  Our goal is to protect you, your family, and your friends for life.  We also want to keep you educated, so that you can fully maximize your discounts.