Why You Need Insurance!

July 29, 2010

You never know...

As an independent agency, we represent several insurance companies. And we can offer you a choice of policy features and price.  

Please take a minute and email us your name, telephone number, and your automobile policy renewal date so that we can discuss better options. 

John C. Kalmbaugh, CIC 


Why CIC?

July 16, 2010

C.I.C stands for Certified Insurance Counselor. What it means is that I have completed five three day institutes, and passed five very difficult examinations covering all major areas of the insurance business. I must fill these requirements every year to keep the designation. For me, C.I.C. means a lot of hard work. For you, C.I.C. means that I am educated in the practical aspects of insurance, recognized nationally for my achievement, and affiliated with the top 1% of educated professionals in America. I don’t say this to brag. I say this because you should require all of those things from a quality agent. You should never accept second best.

John C. Kalmbaugh

President/Certified Insurance Counselor

Do I Really Need Auto Insurance?

July 15, 2010

From the Pixar movie Cars.

The answer is yes and let me tell you a few reasons why:

-You will pay a hefty fine if you are caught driving without auto insurance.

-You will get your license taken away.

-You will pay out-of-pocket for the damage to your car.

-If you’re at fault, you will pay out-of-pocket for all cars involved in a collision.

-If you’re at fault, you will pay medical bills for everyone involved in a collision.

-You will pay out-of-pocket for any of your own medical bills.

-You will miss out on dozens of benefits that come with having auto insurance.