The Trapp Agency, LLC
ALFA Insurance
Personal Background
• Grew up in Corinth, MS
• Graduated from Mississippi State University in May 2005
-General Business degree with emphasis on Insurance/Risk Management and Finance
• Moved to Tupelo in November 2005 to begin insurance career
• Started The Trapp Agency, LLC – ALFA Insurance July 1, 2013
Family• We met while playing golf
• We both have a love for animals and have sponsored several dogs at the Tupelo/Lee County Humane Society
• Married my wife Amy on September 28, 2013
Our Four Legged Family(Bella, Addy, Ellie, Hogan and Tigger)
ALFA Background
• Began in 1946 in Alabama (Alabama Farmer’s Federation)
• Placed as one of the top rated performers for financial stability by A.M. Best Company
• P&C received an A++ (Superior) rating
• Home office is located in Montgomery, AL
ALFA Services ( Property and Casualty )
• AUTO
• HOME
• WATERCRAFT
• RECREATIONAL VEHICLES
• COMMERCIAL
• CHURCH
• UMBRELLA
• LIABILITY
ALFA’S MISSION
To our family of customers, we are committed to excellence, integrity and exceeding
customer expectations in both sales and service by providing profitable multi-line insurance and other financial services.
AUTO
Factors that affect the auto insurance premium:
• Previous insurance in last 30 days
• Accidents within the last 3 years
• Tickets/violations within the last 3 years
-if it is a ticket from a traffic camera, that does not hurt you
• Value of vehicle
• Age of vehicle
• Age of driver
• Type of coverage desired (full coverage or liability only)
Liability Limits
• Pays damages if it is determined that you injured someone – bodily injury – or damaged their property – property damage
• Bodily injury has 2 limits – per person/per accident• $25,000/$50,000 (state minimum)
• $50,000/$100,000
• $100,000/$300,000
• Property damage has 1 limit• $25,000 (state minimum)
• $50,000
• $100,000
• Average price of a new car in 2015 is $33,560 which would mean you would be out of pocket $8,560 if you totaled the other vehicle with state minimum coverage
Insurance Agent vs Online Insurance
Insurance Agent• I can offer people the exact same things
- Convenience (we are open 5 days a week and I work
nights and Saturday by appointment so I
can accommodate to your schedule)
- ALFA Agency (will touch on this more later)
- Low premiums
• We explain each coverage in detail so clients know exactly the coverages that they have
• My adjuster’s office is next door and he will walk you through the claims process step-by-step
Online InsuranceTop 3 reasons why people buy insurance online
• Convenient
• Shop multiple companies
• Low premiums
Drawback of buying insurance online
• Don’t understand exactly what they are getting
• No personal service during time of claim
HOME
When it comes to home insurance, there are a number of different policy types that we offer:
• Primary home
• Secondary home
• Rental home
• Mobile home
• Rental mobile home
• Condo
• Rental condo
• Contents
HOME
Factors that affect home insurance premium:
• Age
• Construction type (brick, frame, etc.)
• Protection class
• Replacement cost vs ACV
• Insurance score
• Claims history
• Amount of coverage
• Deductible
DISCOUNTS
• Multi policy discount
• Educator discount on auto insurance
• Preacher discount on auto insurance
• Honor student discount (must maintain a 3.0 GPA)
• Driver’s Ed discount
• Length of service discount (CSD)
• Home security system discount
• Age of home insurance discount
• Claims free discount
ALFA Agency
• In house agency
• More than 40 companies outside of ALFA
• Allows us to ensure that we are getting each client the coverage they require at the budget they desire
• Keep clients in house
• Certain risks that ALFA will not write so we can use the agency to provide them coverage
• All agency companies rated A or higher
HOME AND AUTO REFERRAL PARTNERS
HOME INSURANCE
• Mortgage lenders
• Escrow agents
• Realtors
• Bankers
• Real estate closing attorney
AUTO INSURANCE
• Auto dealership
• Car sales force
• Bankers
• Body shops
• Glass specialists
QUESTIONS
Call for a quote today!