You want insurance coverage that fits you like a glove, and finding the best insurance agency for you can be a hassle if you don’t know what to look for. You need an agency that looks out for your unique needs, and you deserve the Cleveland insurance agency that can properly take care of you. There is no good reason that you should have to deal with finding the right insurance policies for your life, car, and home all alone!
The fact is, the right coverage fit for your neighbor might not look like the right fit for you, so why would you have the exact cookie-cutter insurance policy as someone down the street? You deserve to have the policy from the insurance agency that suits you. You are a unique individual, not like anyone else, and you shouldn’t be treated like anybody else. Since you want to be treated as an individual, it could be greatly beneficial for you to work with an independent insurance agency because you receive personalized attention instead of being offered one-size-fits-all coverage.
An Independent Agency Versus a Captive Agency
So, what is the difference between an independent agency and a captive agency? A captive agent is usually bound to one insurance carrier alone, but an independent agency can work with many different companies. You might be asking yourself, “Does that really make a difference in practical terms?” That is a natural thing to ask yourself - and the fact is, it does make a difference. Since a captive agency usually only works with one insurance carrier, they are not nearly as capable as an independent agency is when it comes to helping you find what works for you as a person with a unique life.
An Independent Agency Offers You Choices
An independent agency can offer you choices in the coverage options you can have. Since a captive agent usually only works with one insurance company, it makes it difficult for them to give you individualized treatment. In contrast, an independent agency can work with several different carriers, so it makes it much easier for an independent agent to help you find the right fit for your situation. You can have true choices, and that can make a huge difference for you.
An Independent Agency Has Your Interests In Mind
An independent insurance agency, like Cobos Insurance, can look out for you in ways a captive agency is simply not capable of. While a captive agent has limited choices that he or she can offer you, an independent agent has the freedom to find you the right fit for your situation. With the right Cleveland independent insurance agency, you can get up close and personal with an agent that has your best interests in mind.
The Right Independent Agency Is Here When You Need Help
A good independent agency is there for you when you need help - and we all need help sometimes. You can call your independent agent when you have a question or concern, or need some clarification on something in your policy. You should be treated well - like the individual you are - and an independent agent can be there for you when you need support.
An Independent Agency Can Meet Your Varied Insurance Needs
Another great thing about an independent agency is that it can meet your varied insurance needs, with the personal touch that gives you the specific care you deserve. With the right independent insurance agency behind you, you can have help finding the coverages that take care of multiple facets of your life. You can rest easier knowing that you have safeguarded what matters to you.
Helping You Find the Coverage You Need In Cleveland
Cobos has served the Cleveland area for many years, and as an independent insurance agency, we would love to help you find the coverage that gives you not only the coverage you need but the peace of mind you deserve. There is every reason that you should have the protection you truly need, and we are here to help you find the right policies for you. Call us at our Avon Lake office at 440-933-5223 or at our Elyria office at 440-324-3732; contact us today and we can help you find the coverage that you need in Cleveland, Ohio.
You love the mobility your car gives you, and having the right coverage just makes your life even sweeter. You know firsthand that having the right Cleveland car insurance is important and that having the policy that fits you is a key investment in your day-to-day living. What could be better than having the protection your vehicle needs? It makes your life easier, certainly, but it also offers you peace of mind. Just as you love your car, you love saving money (who doesn’t?!). And guess what? You might be able to save extra on your Cleveland car insurance policy. From multi-car discounts to student discounts, there are many opportunities to get a discount on the policy you need, so you can have the coverage you cherish for even less. It is worth knowing how you can save money on the policy that fits your car and your needs - so here are a few discounts to be aware of. It can be a great benefit to know where you could be saving more!
Good Driver Discounts
As we all know, driving is full of unexpected situations, but if you have a great driving record, you deserve to be rewarded for it! The longer you go without any accidents (where you are at fault) or tickets, the more likely you are to qualify for good driver discounts. Usually if you have a clean driving record for at least three to five years you qualify as a good driver, so if that’s you, it is worth checking out. Your excellent driving deserves to be recognised!
If you have multiple cars under one policy, you can get a multi-car discount on your auto insurance policy. Each and every one of your vehicles need a Cleveland car insurance policy, so this is a discount you should take advantage of.
Multi-Policy (Bundled) Discount
If you have multiple policies (such as a home insurance policy, a life insurance policy, etc.) through the same company, you could qualify for a multi-policy or “bundled” discount. This is nice because you basically are getting a discount for also getting the coverages you need for different areas of your life. You need it anyway, so why not reap the savings?
You could qualify for a military discount if you are an active military personnel. You usually get a larger discount if you are deployed than when you are on base, but both are worth looking into if you qualify.
This varies, but you may be able to get a discount for being affiliated with a school, an employer, a team, or an organization. You might be able to save on your Cleveland insurance policy if you are affiliated with a qualifying organization, so it is worth checking to see if you qualify for one.
If your child is on the honor roll, you might be able to get a good student discount. A good student discount is a very beneficial opportunity, because insurance coverage for young drivers is usually quite pricey, so that cuts down on some of the extra expense. Sometimes you can get college alumni discounts as well, so that is something to consider.
If you are over 65, you qualify for this discount! This is really nice because as long as you are officially a senior citizen, this applies to you. The savings percentages vary, of course, but you could save around 35%, so it definitely can be a significant benefit.
Saving On Your Cleveland Car Insurance Policy
As you can see, there are a number of ways you could save on your Cleveland car insurance policy. Of course, those are just some of the ways you could save, but it helps to be aware of the possible discounts you might qualify for. You don't want to miss out on any of the money-saving opportunities! Here at Cobos Insurance, we would love to discuss the discounts that could benefit you. We know all the ins and outs of Cleveland car insurance, so let us help you! Call us at our Avon Lake office at 440-933-5223 or at our Elyria office at 440-324-3732; contact us today and we can help you save on your Cleveland car insurance policy. Today is the best day to start saving on your insurance policy!
Your non profit organization does a lot of good and you feel wonderful knowing the difference you're making in the lives of many. You don't want to think that anything in the future would happen that would cause your organization to need a good Ohio non-profit insurance policy, but the truth is the future is unpredictable and issues usually come up when we least expect them to. Since you cannot foresee what situations will come up, it is incredibly important that you have the right Ohio non-profit insurance for your organization - after all, being prepared is one of the best ways you can safeguard your non-profit from whatever comes along down the road.
General Liability Insurance
General liability insurance is invaluable. It covers your non-profit organization in areas from copyright infringement claims to bodily injury situations. For example, if someone is injured by your organization's products or gets hurt on the organization's grounds, this coverage deals with those issues. Being underinsured in this area can be detrimental to an organization, but when you have the right coverage, it makes a world of difference.
Accident insurance is a very important facet when it comes to protecting your Ohio non-profit organization. You want your employees to be well taken care of, and I want your organization to be protected from lawsuits and expensive medical bills. Having the right accident insurance and workers compensation means that your employees are well protected and your non-profit is as well. It is a win-win and gives you and your employees peace of mind.
Property Insurance and Auto Insurance Coverage
Property insurance is an area of great importance to your non-profit organization. There is every reason to have excellent coverage for the organization's property. With issues ranging from fire to vandalism to theft, you never want your organization to not have the right property insurance coverage for these scenarios. Auto insurance is incredibly important because any company vehicles must be insured with the right coverage. A lot of issues can arise where a vehicle is concerned - from accidents to theft - so having your non-profit protected with the right coverage for company cars is a game-changer. Should an issue involving one of your organizations vehicles occur, you will all be very glad that you had the right coverage for it. We believe you should never have to wonder if you have the right protection, and everyone feels safer when you have the right insurance coverage.
Directors and Officers Insurance
The fact is, there are very few of us who will make it through life without making a few significant mistakes. Even the most careful and prudent can find themselves in a pickle every once in a while - it's just part of everyday life. This facet of Ohio non-profit organization insurance protects your directors and officers from issues ranging from criminal investigations to money mistakes. It can be very hard to feel free to problem-solve and build the organization if you are constantly concerned, and having the right coverage for your directors and officers can help take a weight off their shoulders.
Crime Insurance Coverage
As gut-wrenching as this truth is, even a non-profit organization can have an employee steal from them. While none of us want to believe that something like this could happen, making sure that you have the insurance coverage to protect your non-profit organization should an employee steal from you is absolutely vital. If you should find yourself in such a situation, you will be relieved that you have this coverage for your organization, and your non-profit will greatly benefit from your foresight.
Protecting Your Non-Profit With the Right Coverage
Your non-profit organization deserves to be fiercely protected, and we are here to help you find the coverage that will give you and those in your organization a sense of safety and preparedness. You can call us at our Avon Lake office at 440-933-5223 or at our Elyria office at 440-324-3732; contact us today and we can help you protect your Ohio non-profit from the unexpected - because while we cannot foretell the future, we can anticipate it and ensure that we are well-prepared to face whatever issues do arise. You and those at your organization will deeply benefit from having the right Ohio non-profit insurance policy in place.
Summer is almost here! And summer means that you and your family will soon be spending more time outside, and you may be trying to come up with some fun things to do in Cleveland this summer. It is always a good time to find new fun summer activities for you and your loved ones! Cleveland has many great places to explore, and while is is difficult to pick just five of the amazing things you can do around the area, we have a handy list to help you get some good ideas to jumpstart your family summer bucket list.
Cleveland Metropark Zoo
The Cleveland Metropark Zoo is a wonderful option for summer fun for you and your family - what better way to enjoy the warmer weather than a zoo? This is especially wonderful if you have young children. Some of the best memories you can give your child are at the zoo, and it is an activity that is enjoyable for the young and old. The Cleveland Metropark Zoo has special events as well, so it is well worth checking their summer schedule.
This is a glorious time of the year, when you and your family spend many fun hours together...and a good park is one of the most fun, casual, and inexpensive summer outings you can have. Edgewater Park is a really neat place to explore. There is no cost to come enjoy the beautiful lakeside park, and it is a gorgeous area. Seagulls, sunshine, and Lake Erie - a recipe for a wonderful time with the whole family. There is even a dog beach, so you can bring the family dog, too! This would be an excellent place to bring a delicious picnic to enjoy in the open air, or to try one of the nearby food options. The beach is lovely, and fair warning: this is likely going to become a summer stop that your family is going to want to come back to again and again.
The Cleveland Museum of Art
This is an indoor activity, but an wonderful summer outing as well. The Cleveland Museum of Art is a great place to take the family, and the neat thing about an art museum is that not only is it a fun experience for your kids, but the enjoyment grows as your children age and understand art more. They also have great events over the course of the summer. This is a great activity to turn into an annual family outing.
Your children will adore the many different areas to play, and Loew Park goes far beyond a regular park! They even have movie nights during the summer, so that is something to look into. This is a great park, complete with not only a fantastic playground, but also a water playground and pool. Summer and water fun go hand-in-hand, and this is a perfect park to bring your kids to - they will be thrilled, and you will have a fun time as well.
Cleveland Botanical Garden
The Cleveland Botanical Garden is a wonderful place, full of beautiful plants and teeming with life. They have indoor and outdoor gardens, and the grounds are extensive. They even have a children’s garden, so there is something for everyone. There is just something about being out in nature that revives and restores you, and it is a great place for family bonding time. They have ample family programs (as well as many adult programs), so if you decide that you and your kids would enjoy something like that, there are many neat options. This is a good outing to bring the grandparents along as well - it is a joy for all ages.
Summer Memories That Last a Lifetime
There are many amazing options in Cleveland, but there you have it - 5 of the top things to do with your family this summer in Cleveland, Ohio. You and your family might find that one or two activities on this list becomes your favorite family outing every summer! What are you waiting for? Grab your family and friends and go make some summertime memories in the great city of Cleveland! The kids in your life will be delighted, and the memories will stick with you forever.
Your motorcycle deserves the right insurance coverage to protect it, and you deserve the peace of mind that comes with being thoroughly prepared for the unexpected. While you cannot know the future, you can be ready to take on whatever comes - and you can enjoy your Cleveland motorcycle in the meanwhile. After all, in Ohio, you have to have motorcycle insurance, so why would you not get the coverage you truly need while you are at it?
You love your motorcycle - and that is as it should be. You should thoroughly enjoy riding it, and should not be distracted by the prospect of not having the right coverage for it - you should be able to enjoy the ride, knowing that you have the protection you need should a situation arise. Whether your motorcycle is a Harley or a Honda, it deserves the right Cleveland motorcycle insurance to safeguard it from the accidents that come along at the most inopportune moments. While none of us can predict what the future will bring, we can be ready for it - and that makes a huge difference when situations come up.
So, what does the right Cleveland motorcycle insurance policy do for you? It gives you coverage in the areas you need most, and knowing that you have ample protection can help give you peace of mind when you are out on the road. After all, your motorcycle is a means of transportation, but it is also a source of enjoyment. No matter if you have a Harley or a Honda, you want the Cleveland motorcycle insurance coverage that will safeguard you and your motorcycle for years to come.
The right Cleveland motorcycle insurance policy gives you the comprehensive coverage you need should you find yourself in a situation where you find that your motorcycle has been stolen or vandalized. Comprehensive coverage takes care of fire damage as well, and this is no small facet of protecting your motorcycle from unforeseen issues.
Bodily Injury Liability and Personal Injury Protection
Having the right right bodily injury liability is a must. It protects you if you were to you injure someone else in a collision. If you find yourself in a lawsuit, you can have the coverage you need to help get you through the situation. Having the right personal injury protection is invaluable, too. Should you get hurt, this coverage takes care of medical costs that you may have - and that is not an area you can risk having insufficient coverage in.
Property Damage Liability
This is incredibly important. If you were to get sued for property damage, this is the coverage aspect that takes care of those issues should they arise. There is no good reason to not have the right coverage in this area - it is a must when it comes to being prepared for any eventuality. You may not think that you could wreak much damage with just a motorcycle, but you might be surprised. Having the right protection takes a weight off your shoulders.
Uninsured and Underinsured Motorist Coverage
Something you may not have considered before is uninsured and underinsured motorist coverage, but it is a crucial part of protecting yourself and your motorcycle. Should you get into an accident with a motorist who has insufficient coverage (or none at all!), uninsured and underinsured motorist coverage takes care of the costs that you would otherwise have no choice but to pay out of pocket.
These are just a few key areas, but they are facets of good Cleveland motorcycle insurance that you should keep in the forefront of your mind when it comes to finding the right policy for you.
Finding the Right Coverage For You and Your Motorcycle!
Your Cleveland motorcycle deserves the right coverage, and you deserve the peace of mind that comes with being prepared for whatever comes along in the future. Click here to learn more about what the right Cleveland motorcycle insurance can do for you! You can also call us at our Avon Lake office at 440-933-5223 or at our Elyria office at 440-324-3732; contact us today and we can help you protect your motorcycle from whatever the road ahead brings your way.