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!