Frequently asked questions
Our Insurance Products
Many terms associated with auto insurance can be confusing. For example, what does "comprehensive car insurance" mean? You will get answers to questions and much more when talking about your insurance needs with Bob Oetting & Associates LLC. We work with Nationwide to bring you excellent service and coverage in Charleston.
Most states require the purchase of liability coverage. This coverage protects you when you become legally liable for damage to another auto or someone else's injuries from a car accident. Comprehensive coverage provides additional protection for your vehicle from loss due to theft, fire, hail, and other factors. Other offerings include Medical Payments or Personal Injury Protection coverage, and features such as Roadside Assistance.
Give Bob Oetting & Associates LLC or another experienced agent a call today at (217) 345-7063. Drivers can discuss options over the phone or in person at 905 W Lincoln Ave.
Drafting plans for your new home? Don't forget to swing by Bob Oetting & Associates LLC to see Bob Oetting & Associates LLC while you're out picking the perfect bathroom cabinets and looking over color swatches. It's never too early to start protecting your home, and we want to help you do just that with the help of Nationwide Insurance. After all, insurance is all about being proactive, so you might as well take the same approach when it comes to protecting what's likely one of your largest investments.
You won't be doing yourself or your home any favors by settling for a basic protection. With basic insurance protection, you may not be getting the quality protection you need. For instance, where you live in Charleston determines your premiums and the specifics of your plan, and your home's security measures are another determining factor. We'll go over your property and your plan with precision to make sure we've taken everything into account before we finalize your insurance. Once that plan is in place, we encourage you to keep us updated on any renovations or other changes you make to your home, as they may warrant a tweak to your protection.
Don't wait until an unfortunate incident to learn that you may be underinsured. We'll see to it that you choose a plan to meet your needs and put your mind at ease. Visit our office at 905 W Lincoln Ave. We'd also love to hear from you via telephone at (217) 345-7063.
Life is full of uncertainties. Your family’s financial well-being shouldn’t be one of them. As you shop for life insurance in Charleston, 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?"
Bob Oetting & Associates LLC and Bob Oetting & Associates 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 (217) 345-7063 for an appointment with an agent. Feel free to stop by 905 W Lincoln Ave,Charleston,IL,61920 to discuss Nationwide coverage options in person.
We all get insurance with the hope of never having to use it. While we at Bob Oetting & Associates LLC can attest to Nationwide's outstanding claims resolution process, it's still incumbent upon every small business owner to do all that he or she can in terms of risk prevention. As the preferred insurer for many small businesses in the Charleston area, Nationwide has seen just about every liability scenario that you can imagine. Fortunately for you, the folks at Nationwide use this experience as a resource to help you prepare to avoid these same issues afflicting your company.
What business owner doesn't have concerns about the safety and stability of his or her company, employees, and customers? If your risk potential is keeping you up at night, turn to Nationwide. They have a wealth of information for you on managing the risks associated with worker and customer safety, fire or equipment failure, and professional, product, or general liability. Putting this advice into practice can reduce your chances of needing to call upon your policy for assistance. Yet if you do need to rely on Nationwide for coverage, rest assured that you have the best team in the business handling your claim.
With Nationwide, you truly have an insurer that cares about your company's protection. Not only does it act as a resource for risk management strategies, but it will also be there to help you recover if and when an issue does arise. To learn more about safety and loss prevention or any other of the advice and services Nationwide offers, contact Bob Oetting & Associates LLC by calling (217) 345-7063 and scheduling an appointment to come by our office on 905 W Lincoln 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 Bob Oetting & Associates LLC also offers products in IL. Please call for information on products in those states.
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