Frequently asked questions
Our Insurance Products
Insurance is designed to give you the peace of mind you need to enjoy your assets without worry, and auto insurance should be no different. That's why Tolman & Wiker Insurance Services LLC works with you to build a personalized insurance plan, so members can be sure they are getting the policy that fits their driving style, vehicle value, and level of activity on the roads of Santa Maria.
Knowing whether or not your vehicle would benefit from comprehensive coverage, which takes care of incidents that happen when it is not being driven, means knowing where it fits into your portfolio of assets, what your budget looks like, and how it is likely to affect your resale value Tolman & Wiker Insurance Services LLC understands this. That's why options are available that include basic liability protection, collision coverage, or multiple tiers of comprehensive protection, so you have what you need. That's also why we offer Nationwide policies, which have a variety of discount options for drivers based on the safety features on their vehicle and their driving records.
If you have questions about auto insurance policies for your vehicle, or if you want to make a purchase over the phone, get in touch with Tolman & Wiker Insurance Services LLC at (661) 616-4719. You can also make an appointment for a face to face meeting at our offices at 1525 E Main St.
Figuring out your home insurance needs does not have to be a stressful process. Eliminate confusion and guesswork by turning to our seasoned insurance professionals at Tolman & Wiker Insurance Services LLC in Santa Maria. We offer a wide array of Nationwide home insurance products that are designed to offer maximum protection. Speak with one of our agents to get an idea of your own unique insurance needs and how they can best be met through a Nationwide policy.
Some major concerns people have when looking at home insurance include potential coverage gaps, insufficient insurance, and exclusions. We want you to have the peace of mind that comes with knowing that you are fully covered, so we will work with you to create a policy that meets your needs. Call us at (661) 616-4719 or visit Tolman & Wiker Insurance Services LLC on 1525 E Main St for a detailed consultation on which home insurance is best for you.
Our goal is to offer every homeowner the best protection for their unique situation. For this reason, we offer many safety incentives. Find out how you can save on your policy by adding safety features to your home or improving its conditions. These can include upgraded alarm systems, window guards, elimination of potential hazards, and more. Ask our professionals at Tolman & Wiker Insurance Services LLC about a comprehensive list of ways to save on your home insurance while improving your home. We are committed to helping you enjoy your home, so we take care of the stress and worrying. Let us know how we can help.
Life is full of uncertainties. Your family’s financial well-being shouldn’t be one of them. As you shop for life insurance in Santa Maria, you likely have many questions running through your mind:
• “What are the benefits of term vs. permanent policies?”
• “How much coverage do I need?“
• “How much does a life insurance policy cost?"
Tolman & Wiker Insurance Services LLC can help you find the right policy to protect your legacy and provide financial security for your loved ones when you are no longer living.
There are a variety of factors you must consider to determine the amount of coverage you need. First, estimate the amount of debt, final expenses and other financial obligations you might leave behind. Also, think about your income and how the loss of it will affect your family. You want a policy that has a death benefit that covers those costs and leaves a financial cushion.
Next, decide what kind of policy you want. There are several types of life insurance available. Base your decision on what you can comfortably afford and your current and future financial goals.
Finally, carefully review all policy documents. A life insurance agent can provide clarity on any information or policy language you do not understand. If you have special considerations, do not hesitate to inform one of our team members.
Insurance is a smart investment. Getting the right policy is easier than you think. Call (661) 616-4719 for an appointment with an agent. Feel free to stop by 1525 E Main St to discuss Nationwide coverage options in person.
As a business owner you have a lot of responsibility. One of your priorities should be to make sure that you are properly protected in the event of a loss. At Tolman & Wiker Insurance Services LLC in Santa Maria, we understand that every company has its own unique risks and coverage needs. That is why we go over your business in detail including if you own or rent your building, the number and types of employees you have, and the nature of your business. We then recommend a custom plan to make sure you are protected against a variety of different risks.
While some companies may offer a one-size-fits-all policy, we have several options that you can choose from. For example, if your employees will be driving company vehicles or their own for business purposes it is important to have commercial auto coverage. If your business depends on computers and equipment for daily operation, you may want to have protection against equipment breakdown. You also may need extra liability protection, such as umbrella insurance, in order to protect you when accidents happen. To make things easy, many business owners choose our business owners policy (BOP), which packages important coverages together.
When you are ready to protect your company, Tolman & Wiker Insurance Services LLC is available to walk you through your options. You can call our office at (661) 616-4719 to set up an appointment or speak with an agent over the phone. You can also visit our office at 1525 E Main St.
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 Tolman & Wiker Insurance Services LLC also offers products in AK. Please call for information on products in those states.
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