Mike Woodruff, Insurance Agent

Here is how we keep our insurance very competitive even in today's crazy world

1. We only offer LOW RISK auto and home insurance. By not taking on high risks we are able to keep our rates low.

2. This means our rates are not impacted by the Tornado's in Kansas, Oklahoma, Texas etc. Wildfires out west, doesn't impact us either nor do the Hurricanes in the south or east.

3. Maybe you have been wi

th your insurance company for a long time and think switching isn't worth it. We actually give you a discount for that longevity with your current company, up to a 34% discount!

4. Maybe you bought a policy from an online company and wish you had an agent you could actually sit down and talk to. I have been in the insurance business in Jefferson City since July of 2005 and invite you to stop by my office anytime.

5. Have you ever had a question about your insurance after hours or on the weekend that had you as bit worried? Well my clients actually have my personal cell number and I am available 24/7.

6. How about some coverages that make us stand out from the competition:
* FREE rental car coverage included with our comprehensive coverage if your vehicle is stolen.

* We offer what car dealers refer to as “GAP insurance” for about 10% of what you -will pay for it at the dealership.

* Buying a new car? We offer new car replacement for the first 4 years of the vehicles life with unlimited miles. If that vehicle is a total loss in the first 4 years we will pay you for the cost of the replacement brand new vehicle of the current model year with this option.

* All of our named insureds on our auto insurance policies are covered with a $15,000 death benefit should they be killed in an auto accident in their vehicle while wearing their seat belt. NO ADDITIONAL FEE, just our way of encouraging people to buckle up.

* If your dog or cat is riding with you and is injured in an auto accident we will cover their injuries up to $1,000

7. We do not raise rates for weather related claims on your home. We understand there is nothing you can do to prevent that.