The car insurance industry is a competitive world that’s difficult to navigate. We’re here to make your life easier. As an independent agency, we represent multiple companies that provide cheap, yet high-quality car insurance around Springfield, OH and the rest of the US.
This gives us the ability to “shop” your auto insurance to make sure you are actually getting the RATES YOU DESERVE.
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Pick the Coverage Best for You
As local insurance experts, we will help you determine which type of car insurance coverage is best for you; full coverage, comprehensive, collision, uninsured & underinsured motorist, liability, rental car, roadside rescue, full glass, gap coverage. We specialize in tailoring your car insurance coverages to match YOUR PARTICULAR NEEDS.
Emergency Roadside Assistance
- Flat tire
- Minor Mechanical Repair
- Locked your keys in the car
- Dead battery, need a jump start
- Ran out of gas
All of our companies offer Emergency Roadside Assistance coverage with a team on call 24/7 to be dispatched to your exact location for rescue. In fact, some of our companies include it for FREE WITH FULL COVERAGE.
A Stress Free Claims Process
On average there are 5.25 million car accidents every year. Those odds mean that every person will have an accident every 15 years or so. When a car accident occurs, its the lowest point in every person’s driving experience. Wouldn’t you want someone to stand by your side through the entire claim’s process? Wouldn’t you want someone to walk you through step by step, schedule your rental car, collect medical bills, refer you to highly regarded body shops? At Link-Hellmuth Insurance we pride ourselves on being the best in customer service, and that means having your agent LOCAL, TO STAND BY YOU.
Saving with Progressive Snapshot
Interested in saving more on your Car Insurance than just your traditional discounts? That’s where Progressive’s Snapshot comes into play! Snapshot is a small device that plugs in underneath your steering wheel.
What does Snapshot keep track of while you’re driving?
- The time of day you are driving, normal hours or late at night
- How hard you accelerate and how hard you brake
You can actually login (by clicking the Snapshot icon) and track your results daily. You will actually see a discount applied to your Car Insurance the minute you sign up for Progressive Snapshot!
Classic & Antique Cars
Are you one of those guys or gals who loves their cars more than anything? Only drives on clear sunny days? Talks to the car as if she’s listening? Whether its a ’65 Ford Mustang, ’63 Chevy Corvette Stingray, ’68 Plymouth Road Runner, ’67 Chevy Camaro, ’93 Porsche RS America, or any other classic or antique auto.. we specialize in making sure your pride and joy is FULLY COVERED WITH REPLACEMENT COST.
Knowing What Makes Your Car Insurance Premium High or Low
Sure you pay your Auto Insurance premium payments every month, right on time. But do you know why you are paying the amount your paying? Do you know what makes your Car Insurance premium increase and decrease?
The number one factor in your premium is always going to be your Claims History and Violation History. Most insurance companies are going to charge against a violation or accident back three years. So the speeding ticket you got last weekend, not only are you going to be paying the fee back to the court, you’re also more than likely going to be paying a higher insurance premium for the next three years due to your risk level increasing.
The next biggest factor is going to be what type of coverage do you carry on your vehicle; is it just Liability or Full Coverage. Full Coverage costs more because it is providing Property Damage Coverage you your car if its damaged. Now mix a speeding ticket or stop sign violation in with your Full Coverage, and your premium is going to increase even more. Did you know that the location of where you live actually effects your Auto Insurance premium? Zip codes all have their own rating system within each insurance company’s database. Traffic violations, crime, and accidents are all compiled and delegated to what zip code they occurred in.
The more frequent a car accident happens in your neighborhood, then the higher risk level that zip code is going to have, which is going to increase the insurance rates for everyone in that particular area. Fortunately for you, the insurance companies build in and offer a ton of discounts for you to take advantage of in order to counter the factors that are increasing your premium. We’ve listed a handful of these discounts at the top of this page.
Make sure you are cashing in on these discounts. Your decisions whether they’re good or bad directly effect your Car Insurance premium, take it seriously! Why pay more when you don’t have to?
$0 DEDUCTIBLE ON GLASS
Glass Claims are usually covered under your Comprehensive Coverage. However, did you know that you can actually have a separate deductible for Glass. At Link-Hellmuth Insurance we offer a $0 Deductible for Glass Claims. This is a coverage that must be specifically added on your policy, however the price is more than affordable.
In fact, if you are carrying Full Coverage already, we encourage you to select the $0 Deductible so when a rock flies off of a tractor trailer cruising down the interstate, you’re not having to pay anything out of pocket to have your windshield replaced. Most of the time, the glass companies will just meet you at your work during the day so they can have the windshield replaced before you’re ready to go home for the day!
LET US DO THE HEAVY LIFTING!
With Link-Hellmuth in the driver’s seat, you won’t have to worry about price shopping. We’ll do it for you! Allow us to assist in finding the best price and the best protection for your car.
WAYS TO SAVE ON CAR INSURANCE
No accidents in the last 3 years? Money saved!
Earned a 3.0 GPA or better? Money saved!
Home or condo owner? Money saved!
Paperless billing, auto-pay? Money saved!
No violations in the last 3 years? Money saved!
Drive under 7,500 miles annually? Money saved!
Had continuous insurance? Money saved!
Car has a security alarm? Money saved!
Are you of 45 age or older? Money saved!
CLICK HERE FOR FREE INSURANCE QUOTES: https://www.linkhellmuthinsurance.com/request-a-quote/
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