First Insurance
201 E Main St
Carmi, IL 62821-1841
Phone: (618) 382-4656 | Fax: (618) 382-3522
Carmi residents can count on First Insurance to give a helping hand when purchasing insurance. Call (618) 382-4656 to talk to an agent or stop by at 201 E Main St. Serving the greater Carmi area and beyond.
If you're trying to find insurance agents in Carmi, IL or just looking to lower your rates we can help. These tips may help.
- First Insurance is an insurance services provider in your neighborhood and by talking with a licensed agent, you can help find adequate insurance coverages for your personal situation.
- Your Carmi auto insurance rates can be reduced significantly by raising your collision and comprehensive or 'other than collision' deductibles. If you have an auto accident or your car gets damaged in a hail storm you'll have to pay more to have the damage fixed, but higher deductibles mean less premium each year and your savings may more than make up for the increased cost at claim time.
- Carmi property owners are able to reduce their insurance costs by simply increasing their insurance policy deductible. An insurance deductible is how much money you have to pay out-of-pocket once you have a home insurance claim. By agreeing to pay an increased amount of your own money, your insurance provider will lower your home insurance premium. Providing you don't have regular claims, the cost savings on the reduced premium will soon add up to a lot more than the extra insurance deductible you have to spend at claim time.
- You might save some money by buying a longer term policy. If you're paying monthly on your auto policy or your policy term is 6-months, you might save some money by paying the policy in full or buying an annual policy term.