Cochrane Insurance Agency Newsletter
JANUARY 2011
I hope that you find these articles of interest. If you have a topic for future discussion, please let me know. Please call anytime we can answer questions or be of help with your business or personal insurance needs.

CONTACT US

Rick Cochrane
Cochrane Insurance Agency
1075 N. Rodney ste 106
Helena, MT 59601

406-442-6700
cochraneinsurance@msn.com
www.bestrateinmontana.com

Cochrane Insurance Agents

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We always appreciate your valuable feedback!

We value our relationships and would like your opinion about our agency. Any suggestions? improvements? compliments? We would appreciate hearing from you.

Did you know ...
Our office operates differently than most Insurance Agencies. We do not have any commissioned salespeople. Everyone is paid a salary rather than commission. We do this to make sure that your best interest always comes first rather than a paycheck. We are all Licensed Customer Service Representatives FIRST and then we have additional duties.

What do you get when you name your price?
When you name your own price for your car insurance you may be cutting coverage that you need, and you most likely won't find out what until it is too late. So do the grown-up thing, talk with your agent and decide together what coverage is best for you, after all they are professionals. Then have your agent shop for the lowest price for that coverage.
Lower your price, NOT your coverage!


Class is in session
Presenting "Car Insurance 101," your (quiz-free) refresher course on what it all means and how it all works.

First up -- the two main coverage’s that protect your car:

Collision: With Collision coverage, we pay to repair damage to your car when you hit, or are hit by, another vehicle or object, regardless of who is at fault. When you buy Collision, you choose a deductible, typically $250 or $500. This is the portion you pay if you have an accident. We then pay for the remaining costs to bring your vehicle back to pre-accident condition.

Comprehensive: With Comprehensive coverage, we pay to repair damage to your car that's caused by something other than a collision, such as fire, theft, vandalism, hail, or flood. We also pay for damage caused by hitting an animal, and we pay for a rental vehicle if your car is stolen. Like Collision, when you buy Comprehensive, you choose a deductible.

Next time: Liability coverage and what it pays for when an accident's (gulp) your fault.
Winter Driving Tips
If you plan to drive on snowy, icy roads, follow these tips to stay in control behind the wheel...
View Full Article

Tips & Tricks...
Know the "NO ZONE"

  • The "no-zone" is the area near a semi-truck's side and rear where cars seem to disappear into blind spots.  Vehicles lingering in the "no-zone" can't be seen by truck drivers causing a potential hazard if a lane change becomes necessary.
  • Tailgating in the rear "no-zone" not only hides you from the truck driver, but also radically reduces your view of traffic ahead.
  • When passing, avoid cutting in front of a truck too soon, then abruptly slowing down.  Because it takes longer to pass large trucks, maintain your speed and wait until the front of the truck is visible in your rearview mirror before shifting back into the other lane.

The purpose of this newsletter is to provide information about industry trends and news of general interest to our clients, potential clients and other professionals. Information about product offerings, services, or benefits is illustrative and general in description, and is not intended to be relied on as complete information. While every attempt is made to ensure the accuracy of the information provided, we do not guarantee the accuracy of the information.

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www.bestrateinmontana.com