Welcome To The Wonderful World Of Insurance Selling

Sales people from any industry uphold special reverence for those selling insurance.

They say real salesmanship takes place when one is selling insurance policies. The reason? Insurance sales agents sell an intangible commodity (granting we consider what they sell as a commodity). To say that selling a “what if” scenario to a sales prospect is difficult is an understatement.

Insurance selling takes out a plethora of talent, skills and traits from an agent – from perseverance, to determination to patience to the ability to absorb rejections (which abound in the insurance market) and many others.

Kiss A Lot Of Frogs

The story about a fairy tale princess who kisses a lot of frogs to be able to find her prince aptly applies to those selling insurance. Objections are always the order of the day in the marketplace, so the agent must possess the doggedness of the princess in finding her prince.

Not only are objections abundant, competition similarly thrives.

It goes without saying it takes a special person with special skills-set, innate talent and unflinching resolve to succeed in the insurance arena.

Reap The Benefits Of Hard Work

The extraordinary effort of an insurance agent is paid very handsomely. You can see successful insurance people sporting state of the art cars, living in big houses, sending their children to top notch schools, taking vacations yearly and maintaining fat bank accounts.

But more than the material gains is the realization about what kind of a person he/she is really made of, the realization that he/she is a cut above the selling profession.

Welcome to Downstate Group LLC

If you have what it takes to succeed in the wonderful world of insurance selling, come and join Downstate Group LLC the premier agency for Auto Insurance in Spring Hill Florida.

You will not go wrong with us. The Downstate Group LLC markets several types of insurance that any client may require. When it comes to all risk management needs, the Auto Insurance in Spring Hill Florida maintains all of them in its portfolio.

Here are just some of the insurance services that we market:

  • Business Insurance
  • Commercial Auto Insurance
  • Contractor’s General Liability
  • Home Insurance
  • Personal Auto Insurance
  • Workers Compensation

Besides that, the marketer of Auto Insurance in Spring Hill Florida is affiliated with insurance companies and providers who share our commitment in satisfying clients as far as affordability and comprehensive coverage goes. We also provide the best customer care with a team of agents who are ready to answer your questions and even assist you with possible changes to your policy as the need arises.

Our office at 12553 Spring Hill Drive, Spring Hill, Florida 34609 is always open for you. If you’re too busy to visit us, you can call us anytime at 877-755-9950. You can also send your queries to us via our email address at downstategroup@yahoo.com, Please take time to visit our website downstategroup.com.

We would like to hear from you. Please join our discussion by posting your views and comments on the box provided below.


Quick Guide: Key Ideas about Purchasing Auto Insurance [Part II]

Downstate Group LLC, a quality provider of auto insurance in Spring Hill Florida, typically aims to give the finest plan for your car’s auto insurance. In this article, we will continue the things on what you have to know about purchasing auto insurance.

What you can do (continued):

  • Check into optional coverage
    Do not forget about checking out your provider of auto insurance in Spring Hill Florida on their optional coverage. They should have a wide-range of options and comprehensive coverage pays that will surely accommodate your specific needs and conditions. Check our quality providers like Downstate Group LLC for more information on optional coverage for your auto insurance.
  • Distinguish tort system from no-fault system
    Each state has a tort or no-fault system that determines the kind of insurance available to you. The tort system offers three basic coverages—property damage liability insurance, bodily injury liability insurance, and uninsured motorists coverage. On the other hand, the coverage under a no-fault state varies as the insurance company pays you directly for your losses as a result of injuries sustained in the accident regardless who is at fault. Contact you state insurance department to know more about this.
  • Understand your policy carefully
    Always be 100% sure about key terms especially with insurance jargons that might sound common but have different meanings in the insurance industry. You can ask your insurance agent to explain to you each part.
  • Know where to go for information and problems
    In case of emergencies, know where you can go, like for instance, your state insurance department. You also go to different available information providers and sources like public libraries, online resources, consumer groups, and consumer publications.

Other buyer reminders:

  • Plan properly
  • Pay bills on time
  • Check deployment options
  • Know more about special military rules
  • Understand insurance terms
  • Consider gap coverage for new cars

Downstate Group LLC is the quality provider of auto insurance in Spring Hill Florida that you should consider today! Our auto insurance agents only provide the best services only for you and the circumstances that you are involved. We aim to meet our clients’ end and prioritize equally in terms of insurance claims. Know more about our auto insurance policies today! For more information, you can contact us at: 877-755-9950.You can also visit us at www.downstategroup.com for more of our services. Drive safely!

Quick-Guide-Key-Ideas-about-Purchasing-Auto-Insurance-Part I

Quick Guide: Key Ideas about Purchasing Auto Insurance [Part I]

There are so many concerns and ideas about auto insurance with the tons of information online and print, which are available for you to read. Having too many choices cause confusion and delay with your work. Hence, Downstate Group LLC, a quality provider of auto insurance in Spring Hill Florida, gives you the key ideas or the most important things that you have to know about auto insurance:

Insurance Rate– This is affected by two (2) major factors: underwriting/ financing; and rating. Underwriting is when an insurance company assesses the risks involving in an applicant/group applicant to let the company decides if they will accept the application or not. On the other hand, the rating has a price equivalent based on the insurer’s credible evaluations.

Other factors involved in the variation of your insurance rate:

  • Gender & age – males have more accidents; certain age groups have more claims
  • Vehicle usage – higher annual mileage results in higher exposure to risk
  • Driving history – drivers with previous violations or accidents have high risks
  • Topography/geographical location – urban areas have more claims than rural areas
  • Prior insurance coverage – if you have been cancelled for non-payment of premiums
  • Marital status – married people show lower rates of claims
  • Maker & model of your vehicle – luxury and sports cars average a higher number of claims

Rating system – Each company has their own rating system which is also in accordance to the standard guidelines for insurance companies. The biggest factor on the rating process is claim frequency. Claim frequency is the number of times an insured event occurs within a group/client relative to the number of policies they all have. The higher claims, the higher the charge is for the insurance coverage.

What you can do:

  • Shop around before you buy
    It would be best if you know where you can make the most of your investment. Shop around the prominent stores with good auto insurance providers. If you have chosen Downstate Group LLC as your auto insurance in Spring Hill Florida, then you can ensure standard quality of service for your investment.
  • Check insurance company’s background
    Check their history and track record for the claims that the company has experienced and how they were able to professionally face it. Claims can be complicated for some insurance companies but for a quality provider of auto insurance in Spring Hill Florida like Downstate Group LLC, you can ensure quality standard formal proceedings in a short span of time.
  • Ask for insurance discounts
    You can actually ask from your agents for discounts for you to be able to meet your ends as well. Consider auto insurance in Spring Hill Florida as a good choice for your car’s future. You can ask customer-centered providers like Downstate Group LLC for discounts.


Keep Your Chariot in Tip-Top Shape

For those of who have or want to own a car, we all know that maintenance is very important to ensure that the vehicle be our trusty steed for a long time. Proper car care and maintenance takes more than the occasional trips to the carwash and repair shop. We all want to make our cars look brand new for as long as possible and taking good care of it will do so.

To help you out, here are a few tips to maintain your car’s top quality form and performance:

  1. Always check your tire pressure to avoid instability, increasing gas mileage and flat tires. Also, rotate your tires every once in a while to make sure they wear evenly. Inspect, clean and repack wheel bearings with grease.
  2. An oil change is necessary at least every 7,500 miles. You can have it done at a shop but if you have skill and experience, it can be cheaper if you do it yourself. Doing this will assure you that your engine will last longer. Dirt build up on your oil filter will destroy your engine and might cause you thousands of dollars.
  3. Apply wax at least every six months to keep your car paint protected under a quality wax coat. The exterior of your car pretty much gives its first overall appeal and impression, which is why the outside should be pristine.
  4. Change damaged headlights ASAP. You should drive at night without proper headlights. You’re bound to be pulled over by the cops if you try. Generally, replacing a headlight bulb yourself is pretty simple and requires just a few steps and tools.
  5. Change your air filter every year. It is important to keep the filter clean to make sure your car keeps running smoothly and efficiently. Having a dirty air filter can cause your engine to fail and damage your combustion chamber.
  6. Clean the inside and outside of your car extensively. Your chariot needs tender, loving care at least once a month. Watching dirt, grime and dust from the outside is obvious, you’d also want to wash it underneath and make sure the inside is fresh and tidy.
  7. Guard your car from rain, snow and forces of nature with the corresponding protectant. There are many products in the market today dedicated to guarding your car from all types of damage caused by extreme weather conditions. You should make sure that your car’s heating and defrosting units are working properly in addition to everything else. Proper car care throughout the whole year will make sure you’re ready for whatever comes.
  8. Make sure to get the best possible auto insurance for you and your car. You may have impeccable driving skills, but that doesn’t protect you from the horrible drivers, thieves and unforeseen accidents that may happen. Downstate Group LLC Auto Insurance in Spring Hill Florida is your answer to this need. We offer affordable yet quality auto insurance in Spring Hill Florida that gives you the coverage that you need. Downstate Group LLC Auto Insurance in Spring Hill Florida is ultimately the peace of mind you need while driving.
  9. Protect the interior by parking your car under a shade or using a deflector screen in your car. Leaving your car under the heat of the sun can cause heat damage to your interior such as melted plastic, a cracked dashboard, a fading paint job, etc.
  10. Replace your spark plugs every 60,000 miles or so. Although spark plugs tend to last a long time, it is still necessary to change it often so keep your chariot functioning well. Bad spark plugs can lead to horrible gas mileage and a lack of acceleration.

It is important not to be a know-it-all when it comes to taking care of your car. It’s never a bad thing to have someone else check-up and maintain your car, just as long as you’re assured that your vehicle be given the best treatment so it can service you for many years to come.


Important FAQs About Downstate Group LLC

These days, there are a lot of auto insurance companies out in the industry. However, if you are looking for someone who you can really trust, you can definitely put your faith with us at Downstate Group LLC. Not familiar with us yet? Well, please keep on reading this article to know more about us and what services we have to offer.

Who is Downstate Group LLC?

Basically, we at Downstate Group LLC, is a top provider of auto insurance in Spring Hill Florida. In fact, you should know that we are widely recognized for providing high-quality services with General Liability, Home, Business and Auto Insurance in Spring Hill Florida.

We at Downstate Group LLC are affiliated with a variety of insurance providers and companies who shares our commitment in satisfying our clients. We ensure that our services are affordable and that we are able to provide comprehensive coverage for you.

Who are the people involved in Downstate Group LLC?

We have dedicated agents who will simplify the process of getting you covered for insurance. Our agents at Downstate Group LLC will also make sure that your insurance fits your commercial, lifestyle, or business needs. We also make sure to align your insurance with your budget, your goals, and the extent of the assets that you want to preserve.

As the best provider of auto insurance in Spring Hill Florida, we also make sure that our agents have the experience and knowledge required to answer any and all questions you might have. Our agents would be more than happy to assist you with possible changes you might want to do to your policy.
With us at Downstate Group LLC, you can rest assured that you are in very safe hands. We always put our customers first and we want to make sure that you are covered financially. For more information, make sure to call us at 877-755-9950. Our friendly agents would be happy to hear from you today!

A Beginner’s Guide to Auto Insurance

A Beginner’s Guide to Auto Insurance

So we just got ourselves our dream car. Great job – we say to ourselves as we virtually pat ourselves on the back. Now, what’s the next thing to do? We get ourselves an auto insurance. There are a lot of auto insurance in Spring Hill Florida to actually choose from and even more policy type that are available. So for a beginner, how do we really go about choosing the best insurance for us?

Why get an auto insurance?

Getting an auto insurance is so much like getting a life insurance, home insurance, or general liability insurance. There is a need to protect things that are of value such as a life, real estate, and other assets like a car. An insurance is an investment not an expense. We invest on protecting life and things knowing that when unfortunate events such as death, fire, or accidents arise, these policies will in turn work for us. Thus, getting an insurance nowadays is no longer just a luxury but should be mandatory.

Where to get an auto insurance?

There are actually lots of companies offering auto insurance in Spring Hill Florida. But just like many other things, we would have to choose the one that best understands our needs. Our needs are different and so are our financial capacities. One insurance company which is Downstate Group LLC understands this concept and is mission-driven to provide their clients tailor-fitted policies that are unique to their needs and income. Companies like this is a good place to start. They can always provide us with the information we need to know and draw from us the decision on the best policy that we really need.

How to get an auto insurance?

For Downstate Group LLC, it is actually easy. Their website downstategroup.com contains the general information about their company. Their address is at 12553 Spring Hill Drive, Spring Hill, FL 34609 and they are always open for visit. They can also be reached through their contact number: 877-755-9950 and talk to their customer service representatives or their agents for queries. For questions and quote requests online, there is a form that we can fill-out in their page and they will give us the feedback the soonest time possible.

Getting an auto insurance in Spring Hill Florida requires thorough decision-making but with the help of the list above and by talking to reliable agents from trusted insurance companies, this task shouldn’t be as difficult as beginners fear it to be. So let us congratulate ourselves and celebrate for that new car and let the insurance company take care of everything else for us.

How to Choose the Best Auto Insurance Policy

How to Choose the Best Auto Insurance Policy

Yes, there are a lot of insurance companies offering a wide range of policies from life, to home, to auto, to general liability and many more. Under each category, we find even more policy types that we can choose from. So how do we really choose the best auto insurance company out of an ocean of companies offering auto insurance in Spring Hill Florida?

Choose the one that listens.

In getting an insurance, it is always important that our needs are understood. Every person will have a different set of needs. Thus, we cannot simply be offered a certain policy without being heard first. It is our shared accountability with our agent to enumerate our needs and come up with the best policy that will contain most if not all that we need out of an insurance. There is Downstate Group LLC which can offer us this service should we need to get an auto insurance in Spring Hill Florida.

Choose the one we can afford.

An insurance will always come with a price. Protection is never free. But we can always look for insurance companies who can offer policies that can give us value for our money. We really need not get the most expensive policy if not all the inclusions are absolutely necessary. There are companies for auto insurance in Spring Hill Florida that can design a policy for us based on our need and based on our budget. This is Downstate Group LLC and their agents are waiting earnestly to serve us.

Choose the one that really cares.

An insurance company is a business company. But we can always choose the insurance company that is really mission-driven to understand and care about our specific needs and goes the extra mile to provide that for us. Downstate Group LLC, an insurance provider, promises to provide the best customer care and has a team of agents who can accommodate us and our needs.

Getting an insurance policy is a big decision. It entails thorough understanding of needs, assessment of financial capability, and getting the best policy out of the many possible choices. The three suggestions enumerated above are just few of the things that we can consider in choosing the insurance company to purchase our insurance policy from. The considerations are not limited to the three and can even reach up to ten or more.

If you like to know more about how to get the best auto insurance in Spring Hill Florida, you may contact Downstate Group LLC via this contact number: 877-755-9950. As said, their agents are always ready to assist you in your queries about auto insurance and even about their other insurance products. Make that call today.