Ross Insurance and Financial Services

College Students

2011-08-15T12:21:00.000-07:00

Ross Insurance Agency

534 12th Street, Fortuna, CA 95540

(707) 725-5777

If you lost everything you own, would you be able to easily replace it?
As incoming college students start to pack up boxes to move their belongings into a dorm room, they may be more preoccupied with the quantity of stuff (where is it all going to fit?) over the actual worth of it all.

Between the computer, cell phone, TV and other electronics, the value of goods in a dorm room quickly adds up!

According the the U.S. Department of Education, there were about

3,099 reported on campus burglaries in 2009

If you lost everything you own, would you be able to easily replace it?

INSURE YOUR VALUABLES

Students that can't bear to part with their myriad of electronics may want to consider getting insurance. College students in particular tend to have several thousands of dollars worth of devices on them at any given time. To help determine the amount of coverage needed, we suggest students ass up all of their big-ticket items and add an extra $1000 to cover any over-looked items.

Renters Insurance is a way for students to cover the cost of their valuables, and also insures a dorm room or apartment. For students living off campus this applies to you also! Landlords are only required to purchase insurance to cover the building but excludes any items inside.

Most students tend to assume they don't have that much valuable stuff, but if they were to lose everything, the cost to replace it all could be more then what you keep in your wallet.

Contact Ross Insurance Today!!!

"On the last week of college, I had my bike locked up on-campus. While in class someone had cut the lock with bolt cutters and off went my $1200 bike." - Eric, Donna and Tom's Son - Chico

Auto Insurance

2011-07-02T17:09:00.000-07:00

Ross Insurance Agency

534 12th Street, Fortuna, CA 95540

(707) 725-5777

Rossinsurance@northcoast.com

What is Auto Insurance?

Auto insurance protects you and your loved ones as well as saves you money in the event of an accident or other cause of loss. Insurance covers the injuries and damages caused by an accident in which you are legally responsible. It may also cover the cost of repairing or replacing your vehicle if it is damaged or stolen.

What if I am Uninsured?

In California it is required for vehicle owners to carry a minimum amount of liability insurance (or post a bond) and also provide proof of insurance before you can license your vehicle or renew your driver's license. If you are caught driving without car insurance, you may have to pay a large fine, have your driver's license suspended, and/or have your car impounded. If you are currently driving without insurance, you can contact Ross Insurance Agency for a FREE quote to avoid any infractions.

Which Coverage is right for me?

We always recommend everyone purchasing full coverage on their vehicles because although California law requires minimum coverage it may not be enough to pay for all the damages resulting from an accident. As a result the legally responsible driver will have to pay the additional expenses out of pocket. We suggest making an appointment to talk to Donna or another one of our knowledgeable agents about the best coverage to fit your needs and budget.

Keeping Premiums Down

Generally, the better driving record you hold, the lower your premium will be. We also offer many discounts through Farmers which you may qualify for. Also, if you insure additional cars or your home/rental you can save on all your premiums. For further information, contact Donna Ross.

Why insure your vehicle with Ross Insurance Agency?

With Ross Insurance Agency, you get a honest, knowledgeable, and professional team of agents headed by owner Donna Ross. They work with several auto companies to offer competitive rates and take the time to listen to all your needs to determine which companies rates and discounts will work best with your personal budget. They can determine specific payment plans that fit your needs, including e-billing as well as keep you posted on payment reminders via phone, mail, and email if needed so you avoid late fees. We recommend making an appointment to sit down and talk with one of our agents who can discuss which discounts you may be eligible for at (707) 725-5777 Monday-Friday 8:30am-5:30pm. If you have a busy schedule you can always contact us via email where we guarantee to get back to you within 24 hours M-F.

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Donna Ross & Farmers Insurance

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Auto and Homeowner Discounts

2011-06-30T09:32:00.000-07:00

Ross Insurance Agency

534 12th Street, Fortuna, CA 95540

(707) 725-5777

Rossinsurance@northcoast.com

Multi-Line Discounts

When you include more than one vehicle, add a home, or life insurance policy to your account you can have a chance to save on your auto and home insurance.

Farmers Next Generation Homeowners

This policy offers coverages for your home, flexibility in choosing coverage options, and discounts to save you money.

Alternative Fuel Discount

Farmers now offers a discount to owners of hybrids and other alternative fuel vehicles. Save on all major coverages.

Auto Discounts

These can range from security systems on your vehicle, airbags and fuel systems to your age, education, and occupation. Take the time to read the list below to make sure you're not missing out!

Alternative Fuel
Antilock Brake
Anti-Theft
Business and Professional Group
Electronic Stability Control
Good Driver
Good Student
Inexperienced Driver Training
Multiple Car
Multi-Line
Passive Restraint
Persistency
Safe Driving
Senior Defensive Driver

Homeowner

Facts that go to applying discounts on your home insurance can range from other policies you may have on your account (multi-line discount), whether your house has recently been renovated, the age, installed safety systems, etc. Please read the list below or contact Donna Ross for more information.

Age 50 plus
Auto-Home
Business and Professional
Home-Life
Home Safety
Home Renovation
Interior Inspection
New Home
Non-Smoker
Protective Devices

Landlord Policy

New Home

Homes constructed within the past 12 years from the current calendar years are eligible for this discount.

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Donna Ross & Farmers Insurance

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