Lela Waggoner Farmers Insurance Agent

10/16/2023

It's your friendly insurance agent here with a little bit of advice regarding auto insurance and vehicle purchase loans:

1. If you're purchasing a car with financing get the GAP coverage. If your salesman doesn't offer it during your purchase conversation; ask if they do.
a. Will it, likely, increase your car note payment? Yes
b. Will it be worth it? Yes

2. GAP coverage is not, generally, offered through your vehicle insurance carrier.

3. GAP coverage will cost a couple of thousand dollars and is added to your monthly car note payment amount. BUT, if your vehicle is a total loss due to theft, fire, and accident, etc....that GAP coverage will help you pay off the loan so you are not saddled with a car note payment for a vehicle you can no longer drive. If you never need it...well...you've spent a couple thousand dollars.

4. Get Comprehensive coverage through your vehicle insurance carrier regardless of whether you have a vehicle note.

5. Some insurance carriers do NOT offer comprehensive without collision coverage. However, if they do...get it! Comprehensive covers your vehicle for non-collision related damage such as theft, fire, hail, hitting a deer, etc. And it's, generally, the least expensive coverage offered within a package.

6. Always pay attention to notifications or letters from your insurance carrier so you are aware of upcoming changes.

7. Inform your insurance carrier of a new email address, phone number, or residence address.

01/09/2023

I truly understand people's animosity about the California Fair Plan...

But please....do not talk to people about what perils they are covered for when you did not write their policy!

"Other People Said I don't have that coverage...." stresses people out...stresses out MY clients when they are already going through a stressful situation. DON'T tell them they do not have that coverage...when YOU don't know.

To my clients...if you are concerned about your coverage or what perils you have coverage for, please do not hesitate to call me....I'm more than happy to review your policy with you. 530-533-5151 ext 103.

PSA to non-clients: If you have a California Fair Plan and do not have coverage for all the perils offered under the plan....it's either because you opted out of that coverage or it may not have been written correctly and you need to review your insurance with the agent that wrote your policy. Don't leave yourself under-insured....call your agent for a review today.

11/15/2022

09/02/2022

As of the last few years, September, October, and November have been our worst fire seasons.

This means the heaviest part of fire season is upon us.....
Please be firewise and listen to emergency personnel, in the event of a fire. Stay safe everyone.

https://www.kcra.com/article/mill-fire-weed-siskiyou-county/41068908

03/22/2022

😅😅

03/15/2022

Gas thieves are said to be bypassing locking gas caps/locking gas doors and punching a hole in the gas tank itself.
Now may be a good time to make sure you have coverage for your car. Comprehensive coverage is really quite affordable and some companies do not require collision coverage to carry comprehensive.

05/14/2021

If you don't have home insurance...get it now. If you have insurance but haven't reviewed your policy with your agent in over a year...get it done because you could be under-insured. Labor and materials prices have really skyrocketed since The Camp Fire and the West Zone last September.
If you're a renter....get a renters policy....they are very inexpensive and will cover your belongings and pay for a hotel if you are displaced by a covered peril...such as fire....or a mandatory evacuation
Get it done now....if a fire breaks out in our area...Binding restrictions will, and do, get put in place during an emergency situation.
If you have questions....call me 530-533-5151 M-F 8:30 am to 5:30 pm

09/11/2020

The sad truth is that your insurance agent may be evacuated as well. I saw this post from another local insurance agent.
If you are unable to contact your agent, here are some claim numbers for you.

Our office is open-Farmers Insurance-Mark Ristine agency on Oro Dam by Papacitos
Office Phone number 530-533-5151
Farmers claim #: 800-435-7764
Foremost Claim #: 800-527-3907
Bristol West claim #: 800-274-7865

Local Insurance Claims Phone Numbers
We are praying for everyone affected by the and the .

Here are several local insurance claims numbers:
Allstate: 1-800-255-7828
Bamboo: 833-922-6266
North Light: 1-866-430-0902
AAA: 1-866-222-2378
State Farm: 800-782-8332
Farmers: 800-435-7764
National General: 800-325-1088
American Modern: 800-375-2075
Pacific Specialty: 800-962-1172
Hartford: 800-243-5860
Nationwide: 800-421-3535
Liberty Mutual: 617-357-9500
Travelers: 800-842-8496
Chubb: 800-777-2131
Universal: 866-999-0898
FAIR Plan: 800-339-4099
Please stay safe, everyone!

05/23/2020

Know anyone looking for work in the Oroville area? Please share this post.

We are accepting resumes!
We are hiring for f/t or p/t hours.
Professional office setting

Fast paced insurance office

Looking for CSR that can:
• Answer phones and direct calls to appropriate staff
• Make outbound calls to existing clientele
• Take payments
• Process inbound and outbound mail

Skills:
• Customer service with a smile
• Mutli-lingual a bonus
• Multi-line phones
• Computer knowledge

Advancement potential with P&C insurance licence

Look for our ad on Craigslist
Email your resume to [email protected]

03/20/2020

I just want to let my clients know that although we have a Shelter in Place order...we will still be operating our normal business hours. However, our lobby will be closed to the public. As we transition through this difficult time, I want you know that as your Agent, we will still be available by phone to ensure all your needs are met.

You can call, or text, the office. We will he checking voicemail and texts regularly amd will return your calls
530-533-5151

10/29/2019

Non-renews are occurring across the board here in California. Both admitted and non-admitted carriers are non-renewing due to the wildfire risk in our area and outlying areas.

If you received a non-renew and are not sure where to turn, give me a call. We have options.

We also provide affordable renters insurance for those that would like personal property, loss of use, and liability coverage for their rental home, apartment, etc..

Bring in your vehicle(s) for an auto/home discount if your policy is written with our company.

We are open M-F 8:30a-5:30p.
530-533-5151

Insurance companies are raising premiums and refuse to renew existing policies to some Californians.

07/24/2019

This is not your ordinary insurance agent post.

This is a true life safety warning.

My niece was driving last night with birkenstock style sandals on (no back strap). Her shoe slipped and got wedged on the gas pedal (this can happen with any shoe not strapped to your foot...including flip flops).
In her shock, fear and inability to get the shoe dislodged, she lost control of her vehicle.
Thankfully, she walked away with only a few scrapes, bumps, and bruises.

This is your friendly reminder that driving while wearing any type of sandal without a back-strap, or even high-heeled shoes, can be a recipe for disaster!

Be safe out there