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2 weeks ago · by · 0 comments

How to get car insurance before buying a car?

How to get car insurance before buying a car

Car insurance is an integral part of driving. Without it, no driver can legally use a vehicle. Insurance companies base their rates on a number of factors, such as age and location. However, insurance companies have to understand the vehicles their customers drive. That’s where vehicle insurance comes in. 

Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

Car insurance before buying a car

You must not drive the car even when driving it for the first time. That’s why you need to get car insurance before you come to pick up the car.

The key thing you need to get auto insurance is your Vehicle Identification Number (VIN). You cannot buy insurance without this number.

That’s why you need to get the vehicle identification number (VIN) from the car dealer before you take the car from them. Then the process is very simple. Because with us you can do the whole process online.

Send us an inquiry. We work with almost 100 carriers and find for you the best price and option that is currently offered by insurance companies.

No matter what we will look for the best option for you always keep in mind. That the price of insurance is mostly influenced by the quality of the driver.

The most expensive car insurance is for drivers with violations and traffic accidents in the past (3-5 years).  

Documents for car insurance:

  • Personal information(name, address…)
  • Vehicle identification number for all vehicles you’re insuring
  • Driver’s license numbers for all drivers od tog automobila
  • Date of birth for all drivers
How to get car insurance before buying a car

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ALLIED INSURANCE

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Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

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Info@THAgency.com 

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2 weeks ago · by · 0 comments

SR 22 Insurance

sr 22 insurance

SR 22 insurance

Form SR 22 is a document that proves that you have the minimum auto insurance coverage required by the state.

What is SR 22 insurance

SR 22 is not insurance, but that is proof that you have car insurance. And it is required by the state in cases where you have an offense that requires it. Such as driving an uninsured car. SR 22 insurance is also called a certificate of financial responsibility. 

Do I need SR 22 insurance?

You only need SR 22 insurance if the state requires it. All other drivers do not need that kind of evidence. The state will contact you if need it. 

Do I need SR 22 insurance?

SR 22 insurance you have to look from the company that sold you auto insurance. Some companies cannot give you SR 22 insurance. In this case, a new auto insurance policy is required. You can painlessly buy car insurance online with us. And we can issue you a SR 22 certificate.

SR 22 insurance cost

SR 22 insurance you have to look from the company that sold you auto insurance. Some companies cannot give you SR 22 insurance. In this case, a new auto insurance policy is required. You can painlessly and fast buy car insurance online with us here. And we can issue you a SR 22 certificate.

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Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

ALLIED INSURANCE

Company Information

Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

Company Information

E-mail address:
Info@THAgency.com 

Home, Auto, Business, Health, Travel and Life 

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2 weeks ago · by · 0 comments

Life Insurance

life insurance

Life Insurance

Life insurance is a necessity for many people- especially those who have a steady income.

Covering the cost of your family’s future, with regular payments, provides financial security for them. Plus, it can help you pay off debts or fund your retirement.

Buying life insurance can be tricky, but there are many options available to fit any budget.

First, let’s talk about what life insurance is and why everyone needs it. Life insurance is a financial instrument that pays out your salary after you die. Premiums typically cover a fixed sum of money and are paid monthly throughout a policy’s lifetime. Most policies offer a range of cover options such as cash value, accident only, and more.

You can also decide how much coverage you want and whether you would like it to be immediate or delayed. A personal life insurance plan is perfect for covering funeral costs and other immediate expenses.

In addition, a family plan can help with debt and retirement planning in emergencies.

Fill in the information below in the form so that we can find the best solution for you.

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life insurance

Life Insurance Quote

Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

ALLIED INSURANCE

Company Information

Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

Company Information

E-mail address:
Info@THAgency.com 

Home, Auto, Business, Health, Travel and Life 

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2 weeks ago · by · 0 comments

Homeowners Insurance

Homeowners Insurance

Homeowners Insurance

A home is the center of most people’s lives. Homeowners insurance is a type of insurance that covers your home and belongings from damage caused by disasters or accidents.

Home insurance can be expensive, but it’s essential for protecting your loved ones if tragedy strikes. Most policies include coverage for natural disasters like wildfires and hurricanes.

Most homeowners also have additional coverage for accidents and vandalism, which can be expensive. Everyone should buy home insurance to protect their loved ones in case of a tragedy.

Most home insurance covers structural damage caused by natural disasters. Structural damage is the most common type of claim made to homeowner’s insurance companies. Floods, earthquakes and hurricanes are the biggest causes of natural disaster-related claims.

Homeowners can also file claims if their homes are burglarized. For this type of claim, homeowners should choose burglary coverage.

Accidents involving vehicles can also cause major damage to homes, so many policies cover vehicle repairs. Most homeowners buy several types of insurance for their homes. Most plans cover damage caused by fires, storms, earthquakes, floods and snowfall.

A few companies offer additional coverage for accidents and vandalism. homeowners also have liability insurance in case anyone gets hurt on their property. All homeowners have limited coverage compared to businesses’ insurance plans. However, you can always contact us to ask for best coverage and best price. If you only need limited coverage for your home. Homeowner’s usually need to pay monthly premiums when buying homeowner’s insurance plans.

To calculate your premium, your home’s value and the risks you’re willing to take into account when buying a home. Each plan has its own set of exclusions that limit what you can cover with your premiums.

For example, some plans don’t cover furnishing in the home or your car while others don’t cover animals. Each company has different limits on what you can cover with your premium money.

It’s a good idea to familiarize yourself with each plan before purchasing it so you know what you’re getting for your money.

Homeowner’s insurance helps with the financial costs of replacing your home if it’s damaged. Most policies include general damages like replacing damaged furniture, electronics and clothes and fixing minor structural issues like shoring up walls and roofing damaged areas.

Furnace repair is also usually covered when your home is damaged by fires or hurricanes. Plans are great in case of a natural disaster like a storm that causes flooding or snowfall to damage your home.

Anyone who owns a home should consider buying homeowner’s insurance to protect their belongings from damage caused by disasters or accidents.

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Homeowners Insurance

Homeowners Insurance

Save money by comparing insurance quotes from multiple carriers or get better coverage.

Contact details:

Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

ALLIED INSURANCE

Company Information

Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

Company Information

E-mail address:
Info@THAgency.com 

Home, Auto, Business, Health, Travel and Life 

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4 weeks ago · by · 0 comments

How to avoid insurance increase after accident?

How to avoid insurance increase after accident

How to avoid insurance increase after accident?

You cannot avoid increasing your policy after a car accident. But there are several things you can do to reduce the increase.

The increase depends on several factors. Which insurance company are you with and how much damage was caused.

In most cases, your policy will not increase if you are not responsible for the accident. Because the costs are not deducted from your policy.
But you can count on an average increase of about 40%.
Also take into account that we are talking about one damage within 3-5 years.

How long does an accident stay on your record?

Insurance companies mainly look at the last three years. With some, it is possible for this time to be up to 5 years.

What to do?

1. Talk to your insurance company about the possibilities you have with them. There are many options to meet you.
2. Request a policy from another insurance company. Best with a broker that has several carriers available.
3. Reduce your coverage. Consider this as a last resort. You never know what can happen the next day. You could find yourself in bigger trouble than increasing this policy.
4. Take advantage of other discounts. There are many options for how we can save you money. By combining policies, various discounts offered… We work with more than 100 carriers. We will probably be able to arrange something for you. Fill out the form below and explain the situation.
 
Read the best thing you can do for yourself in the article: How to avoid car accidents?
 

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How to avoid insurance increase after accident

I want to reduce my car insurance after an accident.

Save money by comparing insurance quotes from multiple carriers or get better coverage.

Contact details:

Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

ALLIED INSURANCE

Company Information

Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

Company Information

E-mail address:
Info@THAgency.com 

Home, Auto, Business, Health, Travel and Life 

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4 weeks ago · by · 0 comments

How to avoid car accidents?

How to avoid car accidents

How to avoid car accidents?

The road is a dangerous place.
 
No matter how careful we are, there is always a risk of death. Every year in America, about 40,000 people lose their lives on the road, and 4.4 million people are seriously injured and require medical assistance.
 
Maybe these numbers sound small to you compared to the total number of people in the United States. Consider that it’s like all the people of Alabama getting hurt.
Worst of all, the number one cause of death for children is precisely from car accidents. Because someone had to drive faster than the speed limit? Because someone had to get behind the wheel drunk? Is it worth a child’s life or permanent disability?
 
So the answer to this question would be: act responsibly!
 
It is good to know some facts:
How much time do we need to look at a mobile phone? How long do we need to change the radio station? Shall we write a message?

Did you know that if you drive at a speed of 40 mph, the car will travel 21 yards in just one second. IN JUST ONE SECOND. You never take your eyes off the road. This is the number 1 reason for traffic accidents.
 
The next thing that is devastating is excessive speed. Do you know how much time you save if you drive fast? Almost none. Unless you drive long distances. Is it worth risking your life to save a few minutes of time?
 
And you need to know is that alcohol affects our perception and reaction time. First of all, alcohol is very harmful to our health. Drinking and driving can also be harmful to other people’s health. Don’t let the party end at the hospital or the cemetery.
We all think that if we break the rules of behavior on the road, nothing will happen. This is exactly why so many traffic accidents happen.
 
No matter how careful we are and follow the rules. We can get into a car accident. Isn’t that enough risk? That is why it is important to raise the awareness of all drivers so that we all live to old age in good health.

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Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

ALLIED INSURANCE

Company Information

Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

Company Information

E-mail address:
Info@THAgency.com 

Home, Auto, Business, Health, Travel and Life 

Read more

4 weeks ago · by · 0 comments

Best insurance

best insurance

Best insurance? How to choose insurance?

Best insurance?

Will bad insurance choices bankrupt you? Will you put a strain on your finances just because you are not an insurance expert? Are you going to spend hours and hours each year researching which insurance offers what?

That’s why thagency does all that for our clients. With an experience of 27 years working with insurance companies, we are very well acquainted with everything that is necessary for our clients to get the best insurance at the best price. We are able to save our clients tens of thousands of dollars a year. Thagency cooperates with the GST software solutions company, where we develop software solutions for insurance companies. This kind of advanced business gives us the opportunity to find the best solution for you.

Because we know where you get the most for your money.

All you have to do is fill out the form and leave the rest to us. The most important thing for our company is your satisfaction.

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Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

ALLIED INSURANCE

Company Information

Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

Company Information

E-mail address:
Info@THAgency.com 

Home, Auto, Business, Health, Travel and Life 

Read more

1 month ago · by · 0 comments

The Difference between Life Insurance and Annuities

The Difference between Life Insurance and Annuities

The Difference between Life Insurance and Annuities

When creating your long-term financial plan, consider both life insurance and annuities. Your independent insurance agent can help you choose the right amounts of these financial products for your family’s unique needs.

  Life insurance and annuities both offer death benefits. However, the key difference is this:
 
  • Life insurance helps your family if you die too soon
  • Annuities help them if you live too long

  Life insurance protects your loved ones financially if you don’t live long enough to provide fully for them. Annuities protect you from outliving your life savings.

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Immediate and Deferred Annuities

In the graph below, you’ll learn about the two primary annuity types: immediate and deferred. You can compare them to the most common kinds of life insurance: whole life, and term.

Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

ALLIED INSURANCE

Company Information

Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

Company Information

E-mail address:
Info@THAgency.com 

Home, Auto, Business, Health, Travel and Life 

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1 month ago · by · 0 comments

Reasons to Purchase Annuities

Reasons to Purchase Annuities

Reasons to Purchase Annuities

Annuities serve many purposes.

If you’re in a money-saving life phase, you can use deferred annuities to:

  • Meet your income goals for retirement – Employer-sponsored retirement plans like Keogh, 401(k), and 403(b) help many people plan for their retirement years. However, the amounts you can contribute to IRAs and retirement plans are limited; they may not be enough to support you in retirement. If you began saving late for retirement or you stopped making contributions for a time (because of career changes and family situations), you may want to make up for lost time. Annuities can help you if you have defined-benefit type of pension (if applicable) and your Social Security doesn’t provide you with enough to retire. Remember – inflation will erode your pension income’s purchasing power.

  • Diversify your portfolio of investments – Investment experts say you can get the best returns at your chosen risk level by diversifying your investments in a variety of different asset classes. Fixed annuities act as a unique class of assets; these investments are guaranteed to not decrease in value and increase at specified rates of interest. These guarantees are provided by insurers’ claims-paying abilities.

  • Manage your portfolio of investments – Investment experts advise people that investing in a number of asset classes can get them too far away from their preferred percentage allocations. To “rebalance” a portfolio to its original formulation, you can shift funds out of faster-growing classes into slower-growing ones. If you employed this strategy with your mutual funds, you would need to pay substantial taxes (capital gains). However, if you use this strategy with your variable annuity, capital gains taxes wouldn’t apply. In the future, you can withdraw funds from your annuity (which might be long after this rebalancing). At that time, you would pay taxes at your ordinary rate.

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If you need income right away, you can use immediate annuities to:

  • Prevent your assets from dwindling before your retirement ends – Your Social Security entitles you to retirement income for your entire life, just like defined-benefit types of pension plans. Immediate annuities are the only other indefinite sources of income you can get.

  • Keep creditors from taking your assets – Typically, creditors can only access immediate annuity payments as you make them; the money you’ve paid to insurance companies belongs to those companies. Certain court decisions and state statutes protect these annuity payments (at least partially).

Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

ALLIED INSURANCE

Company Information

Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

Company Information

E-mail address:
Info@THAgency.com 

Home, Auto, Business, Health, Travel and Life 

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1 month ago · by · 0 comments

What do you do in case of a flood

what do you do in case of a flood

In Case of a Flood

How to Protect Your Family –and Yourself! 

Flood Watches and Warnings:

  • Weather experts issue flood watches when rains are heavy enough that rivers may overflow.
  • When meteorologists issue flood warnings, they will explain how severe the situation is and let you know where and when to expect flooding.
  • Weather experts issue watches for flash floods when they expect unusually heavy rains.
  • Meteorologists issue warnings for flash floods when flooding suddenly occurs. If you experience flash flooding, immediately move to the high ground.
  • Educate yourself and teach your family about the types of flood warnings in your community.

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Evacuation:

  • Plan evacuation routes from your home. Remember, some routes may be blocked.
  • Create a family communication plan; know what to do if you’re separated in a flood emergency.

Protect Your Property:

  • When you move into a new apartment, house, or business, be sure to purchase appropriate insurance. Independent insurance agents, local government officials, and bankers can help you understand your area’s level of flood risk.
  • Renters and Homeowners insurance policies typically exclude flooding damage. However, you can get this protection in the comprehensive part of your auto insurance policy. Certain special business insurance policies offer flood coverage.
  • The U.S. government offers flood insurance to renters, businesses, and homeowners. Purchase this coverage via your independent insurance agent; they can file your paperwork with the Federal Insurance Administration (FIA) and the Federal Emergency Management Agency (FEMA). You can only get flood insurance coverage in areas where local governments have adopted proper floodplain management strategies under National Flood Insurance Program (NFIP) regulations. Most U.S. communities take part in this program.
  • Your flood insurance will cover physical damages and losses created by floods. You’re covered against flood erosion losses and damage from waves and water currents if they exceed normal cyclical levels and happen during severe storms, flash floods, abnormal tide surges, or similar flooding situations. Your flood insurance plan may also cover mudslide damages.
  • You can purchase separate coverage for the contents and structure of your home. Insurers cover the replacement costs of buildings; you can only get coverage for their contents on a cash value basis.
  • Be sure to keep emergency materials on hand:
  • A first-aid kit
  • Plywood and plastic sheeting
  • Hammers and Nails
  • Shovels and Sandbags
  • Flashlights and batteries
  • A battery- or dynamo-powered radio
  • Necessary medications
  • Sturdy, sensible shoes
  • Emergency water and food
  • Credit cards and cash
  • Have an expert install a system in your home to keep sewage from backing up into your drains.
  • Know how to switch off your water, gas, and electric utilities.
  • Inventory your possessions and keep a copy of this list off of your premises (safety deposit box, etc.). If your belongings are damaged, you can refer to this list to speed up the process of filing your insurance claim.  

Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

ALLIED INSURANCE

Company Information

Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

Company Information

E-mail address:
Info@THAgency.com 

Home, Auto, Business, Health, Travel and Life 

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Take care of your child

Insurances for
your child's future

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Company Information

Toby Hansen
Agency Inc.

425 South Orange Street
Missoula MT 59801

Contact details

E-mail address:
THansen@THAgency.com

1+(406)721-8810

Home, Auto, Business, Health, Travel, and Life