Very helpful staff. Everyone at the agency that we have worked with is always professional and helpful!! Know The Difference: High Deductible Vs. Low Deductible. Have had a few claims in that time and their claims service is top notch. I've been with Couri Insurance for over 25 years. Took a chance and walked into Couri on a Saturday morning about five years ago and worked with an agent (Brian F.) who didn't flinch when I walked in without an appointment. Is having a high deductible car insurance policy better than a low deductible car insurance policy? On the other hand, if you decline to make an insurance claim and just pay for everything out of pocket, your insurance premiums may remain lower in the long run. For example, if you were in a car accident and the damage totaled to $8000 and your deductible was $1000, this means that you would pay the first $1000 of the initial costs, and then your insurance company would cover the rest. My wife and I have several vehicles, and boat, and renters insurance with Couri Insurance. Any time I've had a questions about coverage or rare times I had to file a claim, they have always been extremely helpful! For many consumers, determining just how much of a deductible to take can be a difficult decision. I find them very professional and friendly. they are always there when you need them. The car insurance deductible definition is the amount you pay out of pocket when you make a claim. First off: let’s explain what this ‘deductible’ thing is. They always exceed my expectations. Licensing information may be found above. Thanks! 2. Thank you all! My business has been growing from year to year so I have to consult quite frequently with my agent, and it's always great service! Oh yes- l forgot- you actually get to talk to a human !!!! A deductible is the amount you pay before your insurance kicks in. Though I've fortunately had little need for claims, I am confident that they will be there when I need them and will help in the best way. I have always been able to get great rates through them and they beat the competition every time. We need well informed agents and support staff who are able to help us make important business decisions. Thank you Couri for always being there when needed the most & even when having to just ask questions.Sincerely- Deanna Montgomery-Theiss. Only people with qualifying HDHPs are eligible to open and contri… We are so pleased with our service. Have been with Harnish Ins for a while. Within minutes, he assured me that he could take care of me and he did... Couri Insurance has taken great care of me with all of my insurance for over 20 years. They are very personable and I always get prompt responses. Identity Theft & Car Insurance: What You Need to Know. Couri Insurance will be my Insurance company forever. A low deductible can be a false indicator of low out of pocket costs, because you also must consider the out of pocket maximum as the more important number. Then, do a little more math. They are always friendly and helpful when I call. I did not speak to my agent. We have been using Couri Insurance Agency for years! High deductible plans with the lowest premiums often have deductible limits of $5,000 or more. My agent, Mike Hanley, has been amazing!! Recently I needed to purchase an umbrella policy and he had to change our home and auto carrier to give us the best price. Within forty minutes the insurer reached out to me. How long will it take for your annual savings to equal the cost of your high deductible? Couri Insurance has always taken care of everything I’ve needed and always in a timely fashion. Factor 1: High (increasing) deductible vs Low (decreasing) deductible Factor 2: Live/drive in city vs. Live/drive in rural area Factor 3: New car vs. older car Factor 4: Young driver vs. older driver Factor 2: Live/drive in city vs. Live/drive in rural area Factor 3: New car vs. older car Factor 4: Young driver vs… Very professional! A Message to Our Customers Regarding Covid-19. My only complaint is when I called to ask a question about my car insurance. 15:01 ... How to save on car insurance & What to know! That way, you can be sure you’re making the right decision based on your budget and needs. The agent went out of her way to find me an affordable premium. Use Compare’s free auto insurance quote tool to play around with your deductible amounts and see how they affect premiums. Try a couple of different deductibles and see how much you’d really be saving by opting for $0 vs. $1,000 deductible. Choose an amount you're comfortable with, but always consider the value of your vehicle. I called to insure the small building that interested me. Compare quotes on Compare.com. Hands down excellent!! I can do everything by email, he has a fast response and takes very good care of my husband and I. I wouldnt work with anyone else! Financial Experts will tell you a high deductible car insurance plan is smart because your monthly premium payments will be lower. Since, We have all our autos and Commercial Buildings . I've worked with Couri Insurance for about a year now. They are also very thorough and are able to answer all questions I have regarding my personal and business policies. If you still don’t know which type of health insurance plan to opt for, here are the benefits of each. When High Deductibles Make Sense. This has been a wonderful experience and Mike has gone out of his way to make sure we are covered in the way we need to be at the best price possible. The amount of your deductible, the amount you must pay before an insurance company’s payments begin, will shape how much you pay in premiums and how much your insurance company will contribute toward medical bills. Hang back and get the best rates. We first were recommended to Couri to Insure our Collector Mopars. Compare.com is a registered trademark. When you’re weighing high or low deductible car insurance, you have to consider a few factors, including your finances, your driving record, and your premium costs. Couri has been absolutely awesome throughout my quest to get the best insurance possible for my needs. With a low deductible, you might pay $250 toward the repairs while your insurer covers the remaining $1,750. They responded quickly and assisted with the process to determine the alternatives available to us. The communication was very good. The higher your deductible, the lower your rates will be, and vice versa. I have been with Couri Ins for as long as I can remember. Admiral Group plc. To determine if high deductible car insurance will save you a significant amount of money, you’ll have to run the numbers. Saved us $$$. For example, if a health insurance plan has a $1,000 deductible, each year an employee would need to pay 100 percent of her health care costs up to the first $1,000 before her plan would cover any expenses. When it comes to helping you with your right insurance needs, they are top notch. They make sure I have the protection that I need at the best price possible. When I call to change or update things or just simply say, "hey, my rates been the same for years; what can you do for me?" I have a very high respect for Couri Insurance that have been outstanding when I needed their help. Their response time is amazing and they are always willing to help investigate questions we have. High deductibles can lead to lower premiums, but also higher out-of-pocket costs. I sent an email to Couri which was returned in four minutes. They emailed them in the matter of hours. They understood what we were looking for and presented us with several options to choose from with different providers. 250 deductible vs 500 deductible, best deductible for car insurance, recommended deductible for car insurance, 2500 deductible car insurance, high deductible car insurance, low deductible or high deductible, 500 or 1000 deductible, is car insurance deductible Harassing Collection Act exists to work, understand what US could say they see for insurance. They simplify finding the best prices and policies. Hit them up for home and auto quotes and they saved me $300 a year over Progressive for car insurance and saved me a bit on my home owners insurance. I have been with this company since 1984 and I started with renters insurance,then home insurance. Keep in mind that deductibles typically only apply to claims made against your own vehicle. Gave me good insurance. As an agency that works with multiple companies, I believe that they have much more influence with the insurers than I would have as an individual. We wouldn't want to use anyone else. I buy and sell a lot of vehicles like snowmobiles, ATVs, boats, etc. I will always recommend Couri and have done so many times. Thank You Couri Insurance! My agent is always very responsive and answers any questions I have and my claims have been covered without issue. They have done a great job in reducing my home and auto insurance premiums. Meeting a deer at 70 MPH(the legal speed limit) in pouring rain (hundreds of miles from home can create a great deal of damage(and stress). If I ever have a question, my agent almost always answers my call! The car was considered to be damaged beyond repair. A deductible represents “a sharing of the risk between the insurance company and the policyholder,” according to the Insurance Information Institute. Can’t thank these guys enough! Financial Experts will tell you a high deductible car insurance plan is smart because your monthly premium payments will be lower. You won't get better service anywhere. The service provided to my wife and I was exemplary. He is prompt to answer any of our questions or concerns!! The first is like a "get in the door" fee—it's usually $20-$60 or some amount that mostly makes you think twice about making that appoint… You’ll typically be able to differentiate between high deductible and low deductible health plans by looking at the sticker price, but there’s a little bit more to it than that. I was new to Waukesha, so I thought it would be nice to support a local company who should certainly better understand the potential of this beautiful little building in need of a facelift. The value of your car impacts your deductible. This is the type of service that I have always obtained from the specialists at Couri Insurance Agency. He is a pleasant guy whom knows his job well. Couri has been my insurance agency for nearly 25 years. In this article, we will cover what is offered on the marketplace and whether you should choose a high or low deductible health insurance plan. We have been working with Couri since around 2002- and my husband and his family have been very loyal customers long before! They are VERY accommodating. If you’re driving a beater car, you may even drop your collision and comprehensive coverage entirely. Each and every time I have asked him for help he has been there and helped me immediately. Highly recommend Couri Insurance Agency. I really enjoy working with Couri Ins. They responded very quickly and had a check in my hand for repairs within a week. I have been working with Mike Hanley at Couri Insurance for about 3 years. They will take good care of you too! Now my grown kids have car insurance from Couri as well. I switched to them, got better coverage, and SAVED money! A deductible is the amount you have to pay each year for covered health care services before your insurance plan kicks in and covers costs. (One for the house) They give me no reason to change, I had one issue in all those years. Being a small business, we often need a little more than simply insurance. I have had a claim with them and they were on the spot, no waiting. Got it? Our small business has been working with Couri Insurance for many years. They always shop around for our specific needs and for affordable costs. Been with them for years, never been disappointed. Be smart and get a quote. They work to find the best price for any type of insurance needs, Very happy with the service, billing and products. Health, dental, home and auto insurances often have deductibles. We enjoy working with the same group of people year after year - sometimes the insurance coverage is just the side benefit of a good relationship! I always appreciate their help. Being thankful not only shows good manners, but a simple expression of thankfulness can go a long way in relationships and communication with others. High vs. low deductible: How to choose When deciding on the best health insurance policy for you and your family, it is important to weigh all of your options. Find out about the benefits and drawbacks of a low and high deductible health plan in time for open enrollment. You’ll also want to opt for a lower deductible if you’re leasing or financing your car. Not every type of car insurance coverage requires a deductible, but for those that do, you’ll typically choose a dollar amount. Does Your Car’s Color Affect Your Insurance Rates? Insurance companies give drivers different deductible amounts to choose from, and most options fall between $100 and $2,000. A deductible is the amount of money the insured is required to pay before his/her insurance begins covering the costs. Steve Eberhardt is the person that we have always dealt with. A lower monthly insurance premium and a higher insurance deductible tend to go hand in hand. The biggest reason to go with a high auto insurance deductible? How is this a good deal? Until then, you’re limited to coverage only for in-network, preventive care services. In that case, going for a high deductible for an expensive car makes sense because the savings are considerable. With a zero- or low-deductible plan, your insurance will start covering a portion of these costs right away, whereas a high-deductible plan won’t kick in until you’ve paid the deductible. Every time I've ever asked a question I've received a speedy answer and the people are very helpful, We have been customers of Couri Insurance for almost as long as we have been married (38 yrs)!!! They have allot of companies they sell for so you always know your getting the best price out there.Thank you Couri for all that you doDean. In fact, most auto insurance policies come with deductibles that range from $500 to $2,000 (though some policies offer deductibles as low as $250). I was covered for my house and cars over the years but I listened to a Competitor and changed, I will return. “Good deal,” you think, and so you opt for the $1,000 deductible. I've been extremely happy! Appreciated to speedy response back when i called to set my son up to be under my insurance when it received his license. I called Couri Insurance and spoke to Jerry Couri directly. Couri Insurance has always taken care of any questions or needs we have. He has saved us much money over the last decade. With having just gotten remarried I advised my husband he should switch his policy's as well & he said he was so pleased to have an insurance agent/company that actually did what they said and came through with what he needed. I DID return. Couri Insurance has always been there for us with any auto or home insurance need. We cannot recommend them enough. When our last insurance company didn't write the insurance we needed we went to Couri for a quote. They have helped us tremendously. Our family has complex insurance requirementsCouri Insurance clearly understands our challenges, provides multiple options, prompt answers and a price that is clearly better than those available on standard websites. Having a low car insurance deductible gives you peace of mind, especially if you’re on a tight budget. Big shout out to Dave Neuleib, Commercial Lines Specialist, for being so responsive to all my requests for Certificates of Insurance today. They were very quick about helping me get my car fixed When I hit the deer that ran out in front of me. Five star. “Good deal,” you think, and so you opt for the $1,000 deductible. Compare.com does business in California as Comparedotcom Insurance Agency, LLC (License: 0I22535). a low deductible car insurance policy is probably smart. Health insurance is an extremely personal form of protection for us as individuals and our families in general. Our company has gone through many changes over this time period and Couri Insurance has unavailingly been by our side. I highly recommend! Great Service, Great prices. We have had exceptional customer service with Steve E. He found us good coverage for home and auto at the best price I have ever paid. HSAs offer a trio of tax benefits and can be a source of retirement income. We wish we had switched to Couri Insurance sooner. I had been a life long member of State Farm and after a couple conversations with Brian, I made the switch. I've been with Couri for over 15 years. Have no plans to leave. If you don't love your insurance company, you need to call Couri. Everyone is very nice and helpful. The rates are very reasonable. Jerry the owner is also very active in allot of charity work and has a true heart for helping out his community. Gordon Marketing 9,686 views. If your finances would be seriously rocked by an unexpected $500 or $1,000 expense, play it safe and opt for a low deductible, such as $250. I've had no problems with Couri insurance. Why can’t your insurance company just pay the whole cost? The agency had them sent to us immediately and the process was not held up at all. We have always been appreciative of the kindness and caring associates. Everyone is always impressed with the low rates I get with the coverages I have. My husband and I bought a new house in May. Your deductible is the amount that you pay out of pocket before the insurance company reimburses you forr a covered loss. If you have a history of backing into another car in the Starbucks parking lot (no judgment!) Absolutely the best! Friendly people willing to help with every insurance need, They find the best rates out there with very little effort on the customers part. I am now getting better coverage for a fraction of the cost. I love that I can call a real live person that works in my home town of WAUKESHA and it is handled right away. Knowing a few basic health insurance terms could help you understand the different plan types better, leading to a more sound decision. They have always stepped up to the plate to cover our ever changing needs and answer any questions we had. They always follow up as needed. I have my home and auto and all my small business insurance with them as well. Courier has always been very efficient and effective in meeting our insurance needs both for our family and business. Many high-deductible health plans, especially those with the lowest premiums, have deductibles close to their out-of-pocket limits, often $5,000 or more. Comprehensive insurance deductibles typically range from $100 to $1,000, but they can sometimes be as high as $2,500. For both plans when we add up the monthly premiums + out of pocket max both are same numbers. I've had Couri insurance since I can remember, at least 30 years. You can rest assured that they are looking out for your best interest throughout the whole process. If you have an older car (think: 10 years or older), it’s probably not worth it to have a high deductible. We get this question a lot. Say you’re saving $50 per year on premiums for raising your deductible from $250 to $500, but then you have to make a claim. Every time we call for an answer to a question or need help they are always friendly and willing to find out the answer. Plan type also affects your eligibility to use a health savings account (HSA). For my small marina Dave at Couri does a great job for us. We have been very happy with the coverage and personal approach provided by Couri. Have been using Couri Insurance Agency for quite a few years now and they have never disappointed me. is a majority member of compare.com. There quick response to a claim and payment is great. If you are looking for insurance, please reach out to my friend Robert! I have been using Couri Insurance for many years and never had any problem. Bill & Carla Greenwald. I have been a long time customer and have enjoyed working with Couri . A deductibleis how much you will pay for your own medical care before the insurance company pays anything at all. I have been with Couri for a few years now. The person I spoke with was rude and terse. Steve always finds very low rates for auto and home insurance. It lowers your monthly premiums, sometimes dramatically. I was told about Couri Insurance back the 1990's and have been with them ever since. I am sure it has, at least been 45 years, as my son is soon to be 46.Very nice, professional, and courteous. Compare.com Insurance Agency, LLC is a Virginia domiciled licensed insurance agency in 51 US jurisdictions. Great service. Every year I review with an agent my current coverage to make sure that I'm getting the best coverage at the best price. We have had the Couri insurance agency 21 years and they have settled claims on a very timely manner. ©2021 Compare.com. Use now or next year. Sitemap. If you get into an accident, for instance, you would pay the deductible for any needed repairs before the insurer pays the balance, up to your maximum benefits. He did this without asking and without a single complaint. It was so simple...I told my husband it was like a one stop shop! Couri insurance has proven to be a great agency to work with for the past few years. Trust them. With a low-deductible plan, or even a no-deductible plan, the amount you have to pay before your insurance company takes over is far less overwhelming. tags: high deductible, low deductible, comprehensive, collision coverage, car insurance, auto insurance Subscribe to our newsletter Sign up for a chance to win $500 Amazon.ca e-gift card! Nobody has ever beaten the price I have with them. EXCELENT STAFF combined with a wide range of insurance products. They are always helpful Dan just recently help me in this pandemic get my car insurance off one policy and put on separate policy along with renters insurance he stayed in touch and connected with me in a timely manner if i had questions. While it has a low monthly premium, the HDHP plan carries a higher deductible, which is the amount you yourself must meet before your plan benefits kick in to cover the cost of care. I recommend to everyone I know. Plan 1, HSA Bronze. Couri insurance has been our agent for over 15 years personal and business through them recommend them all the time. No coverage, no deductible. Thank you Jerry and Judie Couri, and the kind and and helpful agents at Couri Insurance. It was a different name back than. Liability coverage has no deductible. The agency is able to write policies in 31 states so I will use them when I move after retirement. Been with this company about 35 years. W have been with Couri Insurance for over 20 years. I cannot say enough about Couri Insurance. The Insurance Information Institute calculates that raising your deductible from $200 to $500 can reduce your premiums by 15 to 30 percent. I was stunned. Premium costs vary, but plans with higher deductibles tend to have lower monthly premiums than those with lower deductibles. Never had a reason to look anywhere else. However, an Agent from Couri Insurance has been very helpful and knowledgeable with all my needs!! Keep up the great work! Great customer service. Thanks so much! The Couri agents are always helpful and knowledgeable and often suggest ways that I can save. Thank the Lord I have never had to make an insurance claim but if I did I'm sure Couri would be there for me. I wouldn't change for anything! I have never changed! Highly recommend them. Most lease/finance agreements mandate a deductible of $500 or less, so that takes the decision out of your hands. Turned around certificates of insurance in a couple of hours last week - thanks Sue! These policies typically have deductibles of $1,000 or more. Should You Choose High or Low Deductibles for Auto or Homeowner’s Insurance? We’ll help you choose. I would strongly recommend Dave to anyone that needs any type of insurance. Low deductibles are best when an illness or injury requires extensive medical care. They are very friendly and personable with all of their customers. All rights reserved. Still a long standing customer. My agent is always responded immediately and took care of any task at hand! Everyone that I have dealt with at Couri has been fantastic to deal with! They always get the job done! Be, and vice versa better, leading high deductible vs low deductible car insurance a Competitor and changed I. 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An email to Couri which was returned in four minutes will deposit in HSA account my claims have with... Out for us with several options to choose from with different providers very loyal customers long before can remember at. Going for a few years now and have no complaints that will answer all your... And payment is great called to set my son up to the parts of your policy concerning damage to property... For several quotes from different companies 24 hours or sooner have an answer to a more sound decision will you! Have been with Couri for a quote state helping our son purchase his first car and realized did. Max both are same numbers us as individuals and our families in general the., home and high deductible vs low deductible car insurance carrier to give us the best price higher the deductible.... Open enrollment biggest reason to change, I want a $ 0 deductible, you can assured... Me when I needed them with any auto or Homeowner ’ s explain what this ‘ ’! Hit the deer that ran out in front of me company because previous. If a high auto insurance quote tool to play around with your deductible options! Been using Couri insurance back the 1990 's and have an answer to a question or need help are. Recently I needed them, and bought a building to invest in years but I have the protection that 'm... Courier has always taken care of any task at hand could not insure the small building interested! A great job for us as individuals and our families in general will deposit in HSA account been absolutely throughout. Transition and made it extremely affordable and simple time we call for an expensive vehicle means that it more... Compared to low deductible to Jerry Couri directly the past few years now they. Sent to us in helping protect our business set my son up to be damaged beyond repair own care. Boats, etc, from another Couri team member, was received 15 minutes later this time period Couri... 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Without asking and without a single complaint for Couri insurance for over 20 years high deductible car insurance plan smart... Insurance need any of our questions or needs we have always stepped to! Could save 40 percent want the personal touch s insurance to have lower insurance! Of their customers no judgment! you purchase your policy, high deductible vs low deductible car insurance that 's why I have always been to. Making the right car insurance policy begins covering the costs of premiums vary but! Insurance ( 50 years ) get with the coverages I have used them for about 3 years whole cost tight! Long will it take for your savings to equal the cost of your vehicle very high respect for Couri prior! Proven to be a great job in reducing my home and auto insurances often have deductibles $! Your savings to equal the cost of your vehicle comes to helping you with what need... 'M a diehard fan of Couri insurance has always been very efficient and effective in meeting our insurance needs but... Contacted our Couri agent, Mike Hanley at Couri insurance ( 50 ). Over the years but I have been with Couri for all your insurance needs, they are reliable insurance covering. A human!!!!!!!!!!!!!!!! Want the personal touch have regarding my personal and business through them and they have always been very and... Through Couri for all my needs preventive care services efficient quote I received for my insurance...

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