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  #21  
Old 01-01-2004, 02:37 PM
Andrew Kovacs's Avatar
Andrew Kovacs Andrew Kovacs is offline
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Join Date: Jan 2003
Location: Minnesota, North Metro, Sand
Posts: 39
Im paying 371 a month. Im a one man show I cut for six months and pay for 12.
Can anyone break insurance down to a basic level so I can understand why all of my money goes to Midwest Family
No claims either, 1 mil coverage
__________________
Nice grass.
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  #22  
Old 01-02-2004, 06:51 AM
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Equipguy Equipguy is offline
LawnSite Senior Member
 
Join Date: Nov 2001
Location: Orlando, Fl
Posts: 370
We spend about 3% of our gross on marketing each year.
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  #23  
Old 01-02-2004, 01:44 PM
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work_it work_it is offline
LawnSite Bronze Member
 
Join Date: Jul 2003
Location: Louisville, Kentucky
Posts: 1,245
Quote:
Originally posted by hoyboy
I'm paying Hortica over $60,000 yr. between liability and w/comp.
It's a good company though...
Trust me, Hortica loves you too!
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  #24  
Old 01-02-2004, 06:07 PM
hoyboy hoyboy is offline
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Join Date: Sep 2002
Location: Chicago
Posts: 346
LOL...I think they do. Or, at least they do a good job of faking it!

Dan
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  #25  
Old 01-03-2004, 10:00 AM
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robert payer robert payer is offline
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Join Date: Feb 2002
Location: Parma, Ohio
Posts: 282
****************Shop around!****************

Worked for us in a big way!

Do not give agents any info about the previous agent or insurance company. Leave them guessing. Tell them that your decission will be made based on proper coverage and the economics. Do not allow them to try to establish any personal repor with you. Keep it business only. Shop over the phone. Do not meet with them in person until you are ready to consider signing based on what you had been told. Even then keep it to just business. You do not want to know about their kids, wife, or the cold that they are trying to getting over. It is all used to draw you in to them. If they try to get you to talk about your self and business and it is unrelated to the policy, do not do it.

Sorry, when it comes down to me, my check book and big insurance corporations, no one is about to stand inside my comfort zone with my check book and I.

One more tip. If you have a few claims and doubt that you will risk any more additional smaller claims, raise your deductable to a $1000.00 for a while. At least until the previous claims drop off. Then lower the deductable back down to what is comfortable again.

I hate insurance. Although I like to think that I am some what informed on insurance, I do need to sit down and learn more in an attempt to make sure that I am getting the best value which I might have some control over.

Consider these companies to begin pricing:
Erie
Motorists mutual
Frankenmouth (Spelling?)
Grange
Westfield

Insurance it is a necessary evil!
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