Frequently asked questions
Our Insurance Products
Understanding the language of insurance policies can be difficult, which is why Thorn Insurance Services LLC focuses on being your guide to coverage whenever you ask for a quote on a new auto insurance policy. Whether you are looking to keep coverage on an older vehicle or you want to make sure your new purchase is fully protected, there are a variety of coverage options offered by Thorn Insurance Services LLC to fit any driver's needs in Bakersfield.
Liability coverage is the first and most basic kind required by most states, but your optimum level of coverage and your state's minimum requirements might be quite different. It all depends on your individual needs starting with the vehicle you drive. Agents at Thorn Insurance Services LLC understand this, and part of the process of finding the right policy for each driver is finding the right combination of features. That means not only taking care of basic liability but also assessing your needs for collision insurance protection and comprehensive coverage to provide drivers with peace of mind even when the vehicle is parked.
To ask questions about coverage or to talk to Thorn Insurance Services LLC about other discounts you might qualify for, give our offices a call at (800) 828-4187. We are also able to make appointments for face to face consultations at our office located at 5016 California Ave. Whether you want to know more about prices and coverage levels or you're ready to move forward with a purchase, our agency is ready to help with your auto insurance questions.
Modern home insurance coverage is not one-size-fits-all, but is instead based on the unique aspects of your home and living in Bakersfield. Some physical components to consider when covering your home are detached additions, like pools and sheds.
Another aspect of home insurance is covering the belongings on the inside, the ones that are most valuable or the most important to you. For expensive works of art, antiques or jewelry, there is our Valuables Plus® coverage. If the unforeseen does happen, you can be covered with our Brand New Belongings® program which aids in the repair or replacement of your covered belongings. Whether you're covering priceless memories or expensive boutique items, Thorn Insurance Services LLC and all our other local agents want to make sure you get the best coverage possible.
The sheer number of coverage options and discounts can seem overwhelming, but not when you have Thorn Insurance Services LLC to explain every step along the way. We're located at 5016 California Ave, but you can also call us at (800) 828-4187 to schedule an appointment or just ask questions.
If you have children, a spouse or anyone in your life who depends upon you financially, you need life insurance. The same holds true if you depend upon someone else financially. Life is unpredictable but it is within your power to minimize or even eliminate the financial impact of unexpected life events.
We at Thorn Insurance Services LLC are here to help people like you in the Bakersfield area. We are here to answer your questions and make life insurance understandable. We will explain term versus permanent insurance and we will outline the types of life insurance that may be best for you.
When determining the amount of coverage you need, you should consider both your present and future circumstances. What are your current financial needs and what do you expect to be the future financial needs for your family?
You should factor in your current age, income and debts and the likely financial impact of lost income. You should also consider final expenses as well as future educational needs for your children and even for yourself or your spouse. If you are a one-income household, you should be sure to purchase a policy that will cover that income in its entirety if lost.
Life gets hectic; make sure you are not too busy to take care of yourself and your family. Call us now at (800) 828-4187 and ask for Thorn Insurance Services LLC. We are located at 5016 California Ave,Bakersfield,CA,93309 and you are welcome to stop in any time. Let us help you find the right policy to assure your family’s financial security.
No professional organization or company should go without an insurance package that meets their needs for risk management. Whether your business is established and operating already or you are a small start-up just getting organized, having the right protection means being secure about your choices when your company acts on opportunities. Thorn Insurance Services LLC understands this, which is why our business insurance solutions are customized to your industry, business size, and factors local to Bakersfield.
Thorn Insurance Services LLC can discuss a business owner's policy with you to get you started. The business owner's policy is the closest thing to a comprehensive plan there is when it comes to business insurance, and it covers most of what most companies need. From there, an On Your Side® Review can help to assess any additional coverage options or policies that would help round out your company's risk management. These may include provisions like cyber liability, accounts receivable insurance, and equipment breakdown coverage.
Finding the right coverage for your company is important, but that doesn't mean you need to know everything there is to know about insurance coverage to be secure. That's what our agents are here for and why Thorn Insurance Services LLC works with Nationwide. This combination of expertise and access to the customizable coverage makes certain that our agents are ready to advise you about your business insurance needs. Call (800) 828-4187 today to get answers to your questions or buy policies over the phone. You can also set an appointment for a consultation at our offices, located at 5016 California Ave.
Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.
The Thorn Insurance Services LLC also offers products in AL, AK, AZ, CA, FL, MO, NV, NM, NY, NC, OR, TX, VA, WA. Please call for information on products in those states.
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