Cochrane Insurance Agency Newsletter

SEPTEMBER 2010

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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DID YOU KNOW...
Our office operates differently than most Insurance Agencies. We do not have any commissioned sales people. 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.

This Month's Feature

Motorcycle crash fatalities in the U.S. fell 11 percent Motorcycle crash fatalities in the U.S. fell 11 percent (to 4,762 from 5,290) in 2009, as compared to 2008, the first time that number dropped in about a decade, according to preliminary data from the Governors Highway Safety.


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Check Out More Great Articles

Do I need separate rental car insurance?

Properly insuring a rental car can be confusing, frustrating and downright daunting. Unfortunately, many consumers do not even think about car rental insurance until they get to the counter, which can result in costly mistakes—either wasting money by purchasing unnecessary coverage or having dangerous gaps in coverage.

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Should I purchase an umbrella liability policy?

If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgments against you and your attorney's fees, up to a limit set in the policy. However, in our litigious society, you may want to have an extra layer of liability protection. That's what a personal umbrella liability policy provides.

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What does my credit rating have to do with purchasing insurance?

Credit scores are based on an analysis of an individual’s credit history. These scores are used for many purposes such as securing a loan, finding a place to live, getting a telephone and buying insurance. Insurers often generate a numerical ranking based on a person’s credit history, known as an “insurance score,” when underwriting and setting the rates for insurance policies. Actuarial studies show that how a person manages his or her financial affairs, which is what an insurance score indicates, is a good predictor of insurance claims. Insurance scores are used to help insurers differentiate between lower and higher insurance risks and thus charge a premium equal to the risk they are assuming. Statistically, people who have a poor insurance score are more likely to file a claim.

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Insurance Laugh Lines

A woman was in the hospital after feeling very ill. The doctor says to her, "I have some bad news for you. You only have three months to live."

"Oh that´s terrible," the woman sighs, "what am I going do?"

The doctor replies, "Marry an insurance agent."

"Will I live longer?" asks the woman. "

"No," replies the doctor, "but it will SEEM longer."


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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