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Whether you’re looking for business insurance, home insurance, or auto insurance, RH Clarkson Insurance Group, located in Louisville, KY, has the experience and expertise you need to create the best policy for your family. Since opening our doors in 1964, we have grown to operate in all 50 states with a network of partners to choose from. Give us a call to receive a free quote!
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- JWjason whitlockFeb 12, 20195.0I’ve lived in 2 apartments and recently purchased my first home. I’ve used Robert Clarkson insurance agency every time and will continue. Their personal touch and professional knowledge make me feel like a valued member of their community and the product they offer is top notch.
- HTHerculano ThurmanFeb 12, 20195.0Worked with Damon who really took care of me and helped me get a better rate with my car insurance! Great service and always easy to get in contact with!
Frequently Asked Questions About RH Clarkson Insurance Group
What kinds of questions should I be expected to answer when I am applying for an insurance policy? Why do insurers need so much information?
When you apply for an insurance policy, you will be asked a number of questions. For example, the agent might ask you your name, age, gender, address, etc. In addition, you will be asked a number of other questions which will be used to determine how likely you are to make a claim. When an insurance company is deciding whether or not to offer automobile insurance to a potential customer, it will want to know about the person’s previous driving record, whether they have any recent accidents or tickets, and what type of car is to be insured.
Insurance companies have different programs for different customers. Adults with good driving records will generally pay less for auto insurance than will a young driver with traffic tickets. In order to determine which program you qualify for, an insurance company needs basic information about you.
In addition to your age, gender and driving experience, information about the vehicle you drive, and how you drive it, is also needed to determine a fair price. For example, a large luxury car costs more to repair or replace than a sub-compact; and, someone who commutes 30 miles each way is more likely to be in an accident than someone who rides the bus to work and drives only on weekends.
What are the advantages to using an agent to purchase insurance?
By using an agent to purchase insurance, the policyholder receives more personal service. An agent with whom there is direct contact can be vital when purchasing a product and absolutely necessary when filing a claim. A local, independent agent is able to deliver quality insurance with competitive pricing and local personalized service.
What should I consider when purchasing automobile insurance?
There are a number of factors you should consider when purchasing any product or service, and insurance is no different. Here is a checklist of things you should consider when purchasing automobile insurance. Don’t base your decision on price alone. Base your decision on value – what you get for what you pay. Consider the quality of the company’s claims service and consumer education.
Purchase the amount of liability coverage which makes sense for you.
You should decide which optional coverages you want. For example, do you want optional physical damage coverages or is the market value of your car too low to warrant purchasing them.
Once you have decided what you want in your automobile insurance policy, you can now decide from whom you would like to purchase the insurance. For example, you may decide you like the idea of purchasing insurance from a mutual company rather than a stock company.
What is homeowners insurance and who should buy this type of coverage?
Homeowners insurance is one of the most popular forms of personal lines insurance on the market today. The typical homeowners policy has two main sections: Section I covers the property of the insured and Section II provides personal liability coverage to the insured. Almost anyone who owns, rents or leases property has a need for this type of insurance. And many times, homeowners insurance is required by the lender as part of the requirements in obtaining a mortgage.