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Auto policy discounts

Did you know we can offer the following discounts on car insurance? Multi-car discounts Multi-policy discounts Automatic payment Marital status Owning your home Living at the same address for a year Accident-free history Full coverage (liability, comp and collision) Discount for paying the full amount at once Education level Good student discounts Mature drivers (45+) Taking driver training course or accident prevention course Low mileage on car per year Having a paperless account Driver in the family, away at school Usage-based discount (Snapshot) Passive restraints in car (airbags) Having a hybrid car New car discount Anti-theft system in car Get a…
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You’ll love Advantage Insurance because…

I think Advantage Insurance is a great place to bring your business because it is a family atmosphere where we remember your name and your story. You talk to the same people each time so you don’t have to tell your story again and again to a new person each time. (We're kind of like an Iowa version of the show "Cheers, " because you wanna go where everyone knows your name!) We consider you part of the Advantage family and want to stay in good contact with you — have you liked us on Facebook yet? Also, we have…
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General liability vs professional liability policies for your business

Is your business covered appropriately? Do you have general liability AND professional liability? Do you know the difference? Here's a great video on the topic, from The Hartford about the differences between the two. Check it out and give us a call to discuss your best options - 515.222.1118. We'll see if The Hartford's policies are right for you or if we need to look for something else. We want you AND your business covered!    
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Home policy discounts

Did you know we can offer discounts for the following things, if you have your home policy through Advantage Insurance? Multi-policy discounts Marital status Fire protection systems (fire extinguisher,  smoke alarm, local fire alarm, direct fire alarm, partial or full sprinkler system) Burglar protection systems (dead bolts, local burglar alarm, central burglar alarm or 24-hour security guard) Time with prior carrier New or renovated home Mature homeowner (45+) Having an umbrella policy Living in a gated community Having geothermal heating system LEED-certified home Financial stability Get a quote today!
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Why choose an independent agent?

Just a little bit about why we think you're better off to choose an independent insurance agent like Advantage:
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You might have less car insurance than you think!

Insurance is supposed to serve as a safety net, but sometimes that net has some unexpected holes. Even if you have full car insurance coverage, you could have less protection than you think because of exclusions and limits lurking in your policy's fine print. Car insurance policies can vary considerably when it comes to who’s covered and when. "Insurance is not a commodity, " says Bill Wilson, associate vice president of education and research for the Independent Insurance Agents & Brokers of America. "Buying an auto policy is not the same as buying a two-pound bag of sugar." Instead, he…
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Winter Survival Kit: 10 Things to Keep in Your Car

Remember the uncle you had that was always so prepared about everything? He was the guy who kept a perfect log of his vehicle maintenance in the glovebox. He knew who the most trustworthy mechanic in town was. He washed and waxed his own car. And, he had a survival kit in his trunk for winter and summer. Winter is tough on vehicles and travel. Snow, cold temperatures, ice, slush and salt play havoc on a vehicle and our driving. The odds of us having a driving emergency is much greater in winter than in the other three seasons. So,…
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Homeowners insurance: 10 expenses you might have thought were covered

Homeowners are often unaware of just how vulnerable they are to catastrophe. That’s because homeowners insurance doesn’t cover many unexpected costs, including, in many cases, damage related to earthquakes and flooding. Here are 10 expenses that you might have expected insurers to cover.   Flooding. Private insurance rarely covers flooding, so homeowners who want that protection need to get it through the federal government’s National Flood Insurance Program, which is run by FEMA. Many homeowners, though, mistakenly think that their insurance policy does cover flood damage. Earthquakes. Just as with flooding, consumers who want earthquake coverage often need to take…
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Flood-damaged cars: Don’t get soaked

Here's how to protect yourself and avoid buying a flood-damaged car or truck. Whether it's post-Sandy news reporting from New Jersey or an update on spring flooding in the Red River Valley, the images are similar: inundated neighborhoods, cows in boats — and submerged cars. We hope the neighborhoods are cleaned up quickly and the cows returned to pasture, but what happens to all those cars? According to the vehicle-history reporting service Carfax, Hurricane Katrina in 2005 claimed more than 600, 000 vehicles. In 2008, Hurricane Ike left more than 100, 000 vehicles under water in Texas and Louisiana. Just…
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6 top car insurance myths

Insurance can be complicated enough. Don’t let a flood of misinformation drown out the facts. Since misunderstandings can be costly, here are the most common car insurance myths debunked. Myth: Red cars are the most expensive to insure Fact: Red will not cost you more green. Roughly 25 percent of drivers surveyed by Progressive Insurance believe that the color of their car is a factor in determining their insurance rate — especially if the car is red. But the belief that drivers of red cars pay higher car insurance premiums is a myth. Insurance companies will likely not even ask…
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