Monday, October 24, 2011

In case you didn't notice check out the Our Companies page and see how we've made it easy to learn a quick bit about each company we represent. This will hopefully act as a great tool to help our customers learn a bit about the companies we trust.

Always great to see companies offering sales and marketing help we can use to not only reinforce our own agency but to reinforce the companies we choose to place our customers with. Safeco has done a wonderful job providing tools like this one below to help us succeed online.






Awesome Agents R' Us

Good Afternoon!!

Last week Dylan wrote a policy for $6000 per year!! Congratulations Dylan that policy is huge! The best part is he was able to save the customer $2000 per year from what they are currently paying. We just love helping people, don't we?! Casey has left for the weekend to go to Lake Powell, so the office is a bit quieter than normal. We would like to proudly announce a new member to the Insure First team. Christopher Futral!! We'll get his agent spotlight after he finishes my brutal training courses. I was cruising around the Utah Insurance Department website today and found an awesome article about shopping for auto insurance.

10 Things You Should Know About Buying Auto Insurance

1. How is Your Insurance Rate Determined?
Two factors determine what you pay for auto insurance. The first factor is underwriting and the second factor is rating. Insurance companies underwrite to assess the risk associated with an applicant, group the applicant with other similar risks and decide if the company will accept the application. Based on the results of the underwriting process, the rating assigns a price based on what the insurer believes it will cost to assume the financial responsibility for the applicant's potential claim.
2. Several Factors Will Affect Risk Rating
Your driving record, area in which you live, gender and age, marital status, prior insurance coverage, vehicle use and make and model of your vehicle are common factors that can affect the price you will pay for your auto insurance.
3. Ask Your Agent About Discounts
Discounts are awarded because the insurance company sees you as a better risk. Here are some discounts you should look for: multiple vehicles, driver education courses, good student, safety devices, anti-theft devices, low mileage, good driver/renewal, auto/home package and dividends. Not all states offer all discounts, so check with your agent to see if you qualify.
4. Tort System vs. No-Fault System
Each state must implement either a tort system or a no-fault system. The system your state has implemented will determine what kind of insurance is available to you. The three basic coverages sold under the tort system are bodily injury liability insurance, property damage liability insurance and uninsured motorists coverage. In a no-fault state, coverages will vary, but under a no-fault system your insurance company pays you directly for your losses as a result of injuries sustained in an accident, regardless of who is at fault. Check with your state insurance department for questions concerning tort or no-fault state systems.
5. Check Into Optional Coverage
The most commonly recognized coverages, in addition to the basic liability package, are collision and comprehensive coverages. Collision coverage pays for physical damage to your car as a result of your auto colliding with an object such as a tree or another car. This is relatively expensive coverage and is not required by law. Comprehensive coverage pays for damage to your auto from almost all other causes, including fire, severe weather, vandalism, floods and theft. This coverage will also cover broken glass and windshield damage. Comprehensive coverage is less expensive than collision, but is also optional. Other optional coverages include medical payments coverage, rental reimbursement coverage and towing and labor coverage.
6. Where to Go for More Information
Information is available to consumers from a number of unbiased sources. These sources include public libraries, state insurance departments, online resources, consumer groups and consumer publications. Every state insurance department has personnel available to answer questions regarding auto insurance coverage and many departments publish premium comparisons to make shopping around easier.
7. Shop Around Before You Buy
When shopping for auto insurance, premium quotations are a useful tool for comparison of different company's products. When asking for price quotations, it is crucial that you provide the same information to each agent or company. The agent will usually request the following information: description of your vehicle, its use, your driver's license number, the number of drivers in your household, the coverages and limits you want.
8. Where to Shop
Check the newspaper and yellow pages of the telephone directory for companies and agents in your area. In addition, ask your neighbors, relatives and friends for recommendations on insurance companies and agents. In particular, ask them what kind of claim service they have received from the companies they recommend. Remember to shop around to get the best price and service. Our department recommends getutahinsurance.com as the best source for the lowest prices. *
9. For Your Protection
Once you have selected the insurance coverages you need and an insurance agent or company, there are steps you can take to make certain you get your money's worth. Before signing an application for any insurance coverage, call you state insurance department and verify that the company and the agent are licensed to do business in your state. It is illegal for unlicensed insurers to sell insurance, and if you buy from an unlicensed insurer, you have no guarantee that the coverage you pay for will ever be honored.
10. Read Your Policy Carefully
You should be aware that an auto insurance policy is a legal contract. It is written so your rights and responsibilities, as well as those of the insurance company, are clearly stated. When you purchase auto insurance, you will receive a policy. You should read that policy and make certain you understand its contents. If you have questions about your insurance policy, contact your insurance agent for clarification. If you still have questions, turn to your state insurance department.

* This last sentence was added by the agency reproducing this article and is in no way an actual reflection of the Utah Insurance Department.

Tuesday, October 18, 2011

Everybody Get Some Utah Insurance

Get Utah Insurance.  From the only place where everybody loves you.  Insure First!  We enjoyed a nice lunch from Safeco today; some sandwiches, chips, and soda.  We're trending about $200,000 in new premium after today for the month. 

Chris is making strides on Casey this month to be the top producer in the office.  So far it's been a close battle.  Casey is at about $33,000 in new premium and Chris is about $28,000.  The competition has the office excited and working harder than ever.

 Joke of the Day:
3 guys are fishing in the Caribbean.
One says, "Had a terrible fire; lost everything. Insurance is paying for everything, that's why I'm here."

The 2nd says, "Had a terrible explosion; lost everything. Insurance is paying for everything, that's why I'm here."

The 3rd says, "What a coincidence. I had a terrible flood; lost everything. Insurance is paying for everything, that's why I'm here."

The other guys turned to him with confusion and asked, "Flood? How do you start a flood?"

Monday, October 17, 2011

Chilling Monday!!

7:30 AM.  Scraping ice from my windshield.  9:30 AM Complaining about the heat in the office leads to turning on the A/C.  The month is more than halfway over and the office is ready to keep pushing for productivity and a strong morale.  Our goal is on track and that's the good thing, the bad thing is with this cold weather, I'm seriously considering relocating to Florida for the winter.  We're excited to see the entire office working "progressively" and getting things done.  We finally got rid of the giant non-working copier so we have a great spot for the new fridge and microwave.  On Saturday, besides closing 6 policies, we spent at least an hour capturing the bully in the fishtank to put him in timeout, that was quite the adventure.  (Note-to-self, fish are extremely fast and a tiny net is not the most effective way to catch one)  Today we'll be working on some training for a few of our carriers to make sure we're comfortable with some of the rating changes they have made.  We're trying to think of an agency mascot, if you have any ideas throw them my way.  Well I'd write some more but I've got to get going on my busy day!!! GO INSURE FIRST!!



Agent Spotlight: Steve Ostler

Steve is not only the handsome devil you see in the picture above, a terrific agent, and world's greatest father; he's also...wait for it.....the owner of the agency!!!! Steve is a one-of-a-kind man who is the definition of what every one involved in the insurance business strives to be.  Steve is able to functionally juggle owning a business, outselling every other agent with new business, and taking care of his beautiful family as well.  Steve's wife Angie is the co-owner of the agency (seen above) but takes advantage of the more important job of taking care of their awesome kids.  Steve graduated from Utah State with a degree in economics and has owned several businesses before settling into insurance.  Steve saw the tremendous potential in a well-managed insurance agency, the business is clean, honest, and everything Steve himself strives to be.  All of us at Insure First are proud to say we've never seen a business with more potential in our lives and we're so proud of what Steve has created.  He's an incredible guy with a great sense of humor.  There's a rumor through the grapevine that he's been nominated for the Nobel Peace Prize, it's just a rumor...but I think he'll win!! Go Steve!


Thursday, October 13, 2011

Mid-week Woes

It's Thursday.  Back to my daily blog routine.  Today we added an important addition to the office....a mini fridge.  We've already stocked it with water and caffeine free beverages!!!! That is not the highlight of the day however, we had a tremendous morning already with every agent putting up fantastic numbers.  We've each sold at least 2 policies and it's barely lunch time.  This is exactly the pick-me-up we needed as the mid month slump started.  We're having a training from Kemper today in about 30 minutes, which will be nice since I've been working on a Kemper policy this morning that could use some professional help.  Recently, as an added way to get some exposure, Neal and Dylan bought a website www.getutahinsurance.com that they could use to generate some hits with major search engines.  It's never a bad idea to get more awareness for an agency that's as incredible as ours.  Unfortunately working on that site is a bit of a distraction for those two, but is only more motivation to sell to fund that project. 


Agent Spotlight:  Aaron Weilacher

Aaron is one of the newer agents, (which by new is a seasoned veteran) who is quickly becoming our specialist in writing insurance that none of us have ever written.  He gets requests for things we just shake our heads in disbelief exist.  So whenever any of us have a question about a crazy insurance request he's the guy who now knows the answer.  Aaron is married and has one 3 year old boy who is absolutely adorable and looks just like him.  Aaron came from the mortgage industry and was happy to get away from such a volatile career to something as stable as insurance.  He's great with customer service and it feels like he can relate to absolutely anyone.  Everyone at Insure First loves having him around and we look forward to the long years ahead of us having him in the backbone of our company.




Wednesday, October 12, 2011

Insure First...The Dream

It has been a few days since making a post, you know what that means? I've been incredibly busy with insurance requests and even though I've been in the office from 8 A.M. until 10 P.M. every day I haven't had enough time to update our readers on our recent activity.  We're approaching the middle of our month again, which means all of our agents are working hard and doing whatever we can to improve our system.  As a team, we've made a focused effort this week to seek out referals from our best clients which has led to a lot of good quality business.  The next step this week is to make sure the newer guys are up to pace and everyone is operating on all cylinders.  Morale around the office is at an all time high, (maybe that's cause today was pay day) and the motivation in the office is thick enough to cut through with a knife.  It's a great feeling working in an environment like ours where everyone is working honest and hard with a selfless attitude.  Our current run rate is at $179,000 in new business premium, but it always seems to drop in the middle of the month as we focus some of our attention on underwriting and new business gets a little time in the back seat. 



Agent Spotlight:  Christopher Schenk

Chris has been with Insure First since March and is the bread and butter to the day to day operations here in our company.  Chris is the lead trainer for any new individuals and puts countless hours into the business improving things that won't make him any money, but will make the lives of everyone here that much easier.  Chris is still single even though there are marriage prospects in his future.  He grew up in a small town in Idaho and moved to Utah to help his cousin start a detailing business.  He found the owner of Insure First who offered him this tremendous opportunity and he's never looked back.  Chris has an incredible sense of humor, without him we'd die of boredom some days.  Chris is an incredible giving person and his clients love him for the leaps and bounds he's willing to do to keep them happy.  Go Chris Go!!





Thursday, October 6, 2011

The Change of Seasons

Hello Blogger my old friend.......I've come to talk with you again...Insurance Sales Are Always Creeping....Insure First Gets Sales While Everyone Else Is Sleeping......And The Goals Which Are Planted In my Brain....Still Remain.....Within the Sound of Saving....


Yes,  Simon and Garfunkel actually rewrote their hit song to reflect the killer success we're having at Insure First.  Yes, it's been a few days since we've had an update, apparently sickness and disease has been sweeping the state and was unavoidable here at Insure First.  The weather took a crazy turn this week.  Last week we were experiencing 80 degree sunshine and today I had to push snow off my windshield before leaving to work. 

On Monday to kick start our month Sublimity brought in pizza and shared their wonderful words of wisdom with everyone here in the office.  (Had some of the pizza today, it's still good and delicious.)  Sublimity has established a fantastic relationship with Insure First and we could not be happier to see representatives from their company every chance we get.  Hey, free food doesn't hurt either. 
     We've set pretty steep goals as an office but we all believe they are attainable.  As an office we are collectively shooting for $220,000 of new business this month.  If every agent hits their own personal goals, it can be done!


This snapshot was taken at the beginning of the day to show where everyone was at.  (Dylan did put on $760 since then, don't worry he'll make a glorious comeback.)  The weather might be getting cold but our sales aren't!  We've also began implementing customer retention programs for our clients which are a combination of sales tools, follow up, and customer service steps which will help us to keep long-term business by keeping our customers happy with better service and products.  Progressive may be joining the list of Insure First companies this next week, nothing is final yet, but hopefully that will be yet another positive change to help our agency grow and provide more options for the hundreds of new customers we get each month.




Agent Spotlight: Dylan Miller

Dylan came to insure first towards the end of June with no prior insurance experience.  Dylan actually came from a Pre Law degree in Political Science with ambitions in local politics.  He is currently attending the University of Utah finishing his education while working at Insure First, making huge strides in the insurance world.  Dylan is married and has a beautiful 10 month old baby named Shadow (seen above.)  Dylan has experience leading sales teams in various industries and brings a new sales and training edge to Insure First as he challenges himself and others to always be improving.  Dylan plays basketball and loves his video games when he finds the time.  His personality and sense of humor are always welcomed and his strong charisma stands out with his leadership qualities.  Dylan has become very comfortable in the insurance world and is planning on settling his roots here in Utah at Insure First for the long foreseeable future.  Go Get Em Tiger!!!