Ray Hruby Insurance Service

Tips for Finding an Agent

• Ask friends and family for referrals
• If the agent is too busy to sit down with you, find a different agent
• Independent agents can provide quotes from multiple companies
• Captive insurance agents cannot quote more than one company
• Agents with more experience are better at spotting coverage gaps

Insurance Buying Tip

At your next auto insurance renewal, talk to your agent about increasing the deductibles on physical damage coverage to reduce your premiums Car insurance rates are lower if you are willing to pay a little more before insurance kicks in at claim time.

Call Ray Hruby Insurance Service at (928) 855-6431 or talk to them in Lake Havasu City for insurance options.

Frequently Asked Questions

• How can I find an agent in Lake Havasu City?
• If I file a claim will my rates go up?
• Who has the cheapest car insurance in Arizona?
• Should I carry full coverage?
• What is an SR-22 requirement?