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9 hours ago · by · Comments Off on Mapfre Insurance Preferred Agency in Tracy, Merced & Redwood City

Mapfre Insurance Preferred Agency in Tracy, Merced & Redwood City

TCS Insurance Brokers has been selected as a preferred partner by MAPFRE Insurance!

Mapfre continues to offer the most unique coverages and options in the industry, but in order to continue the positive momentum Mapfre decided to select only the top agencies in California to offer it’s products.

As a Mapfre Insurance Preferred Agency in Tracy, Redwood City & Merced, we can offer you the entire host of Mapfre Products! Auto, Home, Life, Umbrella & Commercial. With industry unique coverages such as:

  • Uber & Lyft Driver Coverage – Auto*
  • $50,000 Medical Payments (no other auto insurance carrier can match this!) – Auto*
  • 100 Mile Towing – Auto*
  • New Driver Discounts – Auto*
  • $0 Deductible Glass Coverage – Auto*
  • 100% Building Code Coverage – Home*
  • New Home Discount – Home*
  • Highest Auto Home Discount!
  • New Venture Commercial Coverage
  • Preferred Coverage & Preferred Rates to California Superior Drivers, Home Owners & Business Owners!

Coverage options that are far better than Farmers, Statefarm, Allstate, AAA, Nationwide, Liberty, Safeco, Metlife, Hartford & Travelers.

Who is MAPFRE Insurance?

Who we are

MAPFRE Insurance is a forward thinking insurance company offering friendly service from over 2,000 professionals focused on taking care of you and your family.

Global Presence

MAPFRE Across the Globe – MAPFRE S.A.

Is a multinational group present in 49 countries with more than 38,000 employees

  • Is the number one non-life insurer in Latin America, and one of the top 20 reinsurers in the world
  • Insures over 13.2 million cars and over 5 million homes

Local Focus

MAPFRE in the United States

  • Offers a wide range of insurance solutions for the home, vehicle, life and travel
  • Is the 21st largest Property-Casualty Insurer
  • Is the 19th largest private passenger auto insurer
  • Has a network of more than 4,600 independent agents and brokers
  • Has a presence in 19 states
  • Rated “A” (Excellent) by A.M. Best

Mapfre Claims:

 

 

 

 

Our Team

Together along side other reputable insurance carriers, our team is able to provide you unsurpassed service and choice with all your insurance needs. Call or email us today!

© 2017 Total Client Satisfaction Insurance Brokers, Inc. All Rights Reserved.
894 W. 11th. St. | Tracy, CA 95376
Questions? Call (209) 207-0577 or (866) 968-8393

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3 days ago · by · Comments Off on How Hurricane Harvey Losses Affect Us

How Hurricane Harvey Losses Affect Us

Numbers are starting to be posted by a few Carriers affected by Hurricane Harvey in Texas….

It appears that more than 500,000 vehicles will be presented as total losses from Harvey.  Some reports forecast that the carriers with the most Personal Auto exposure are State Farm, Farmers, Allstate and Progressive.  State Farm has the largest market share in Texas and there are reports indicating that they will lose some 5 Billion (that with a B) dollars in their Personal Auto portfolio from Harvey alone.   5 Billion dollars in one day, ouch!

S&P Global reports that Allstate has estimated a total of $576 Million in catastrophe losses (excluding Flood) through September 10th related to Hurricane Harvey.  That number is expected to rise considerably. It also reports Progressive has announced a Net loss of $16.8 Million in August.  (Progressive is not listing its estimated losses in total through September yet) 

There is no doubt that these numbers will be compounded once Hurricane Irma numbers start to roll in.

Unfortunately, as in years past, the losses taken by carriers in the gulf will no doubt affect our local markets here in California.    

California is known to be fertile grounds for insurance carriers (high premiums, lots of people).  The frustrating part about all this is that national carriers almost always look to recoup losses on the backs of CA consumers when these catastrophic losses occur in other states. Equally frustrating is the CA Department Of Insurance who allows the carriers to adjust rates in our state to help Insurers recover in places like Texas and Florida. The impact of these catastrophic events will be felt in both Commercial and Personal Lines.

Now here’s a plug for our agency:

Why work with an Insurance Brokerage like ourselves? – We are advocates for each one of our clients. We hold the control over the insurance carriers. Therefore, forcing carriers to offer the best claims service and better rates for well deserving consumers. – Call today and speak with one of our knowledgeable brokers. We look forward to solving your insurance problem!

Our Team

Together along side other reputable insurance carriers, our team is able to provide you unsurpassed service and choice with all your insurance needs. Call or email us today!

© 2017 Total Client Satisfaction Insurance Brokers, Inc. All Rights Reserved.
894 W. 11th. St. | Tracy, CA 95376
Questions? Call (209) 207-0577 or (866) 968-8393

Read more

2 weeks ago · by · Comments Off on Registration Services in Tracy

Registration Services in Tracy

Skip the DMV line!

We now offer in house Vehicle Registration services along with our full array of auto insurance options for your convenience. Stop right in and Get Auto Insurance, Transfer a Title, Renew Your Tags, Report a Non-Op, Get  a Duplicate Title or Update Your Registration Information without waiting in a looooong DMV line ever again!

Welcome to TCS Insurance

894 W. 11th. St., Tracy, CA 95376 – (209)207-0577

Get the fast and reliable service your deserve with a smile.

Our Registration Services include:

  • Registration Renewals
  • Transfer of Title
  • Revive Junk & Non-Resident Salvage
  • Salvage Title
  • Junk Title
  • Duplicate Title
  • Nonresident
  • Weight Codes
  • Plate Stickers
  • Plate Replacements
  • Moving Permits
  • Vessel Stickers
  • Commercial Auto Transactions
  • Motorcycle Transactions
  • Anything vehicle related……..

Stop by or call ahead! – (209)207-0577

(If you are already a client, you get preferred service and attention. Many times your paperwork is already ready for pick up! Talk to Karina or Domingo today.)

© 2017 Total Client Satisfaction Insurance Brokers, Inc. All Rights Reserved.
894 W. 11th. St. | Tracy, CA 95376
Questions? Call (209) 207-0577 or (866) 968-8393

Read more

5 months ago · by · Comments Off on Car maintenance tips to avoid accidents

Car maintenance tips to avoid accidents

 

Maintenance tips to prevent accidents
To ensure a poorly maintained vehicle doesn’t contribute to an accident, our carrier partner, National General Insurance, put together a few ways you can keep your cars in top condition. Feel free to share this information with your loved ones!

Tires
According to the National Highway and Traffic Safety Administration, 9% of all car crashes in the United States were preceded by some sort of issue with the tires of the vehicle (e.g. tread separation, under-inflation, or blowouts). Properly maintained tires improve gas mileage, stopping ability and handling of the vehicle.

Check the air pressure in your tires (including the spare) at least once a month. This will also give you the chance to check for cracks in the sidewall and the amount of tread on the tires. Rotate your tires every 6,000 miles, or as often as the vehicle’s manufacturer recommends. A periodic alignment of the tires will ensure even wear and extend the life of your tires. Check your owner’s manual for specific information about tire pressure, rotation and alignment.

Brakes
Fewer accidents are completely attributed to failure or degradation of brakes than tires, but poorly maintained brakes still contribute to thousands of accidents every year. When brake pads wear down too far, they can damage the rotors, leading to costly repairs and possible brake failure. Inspect the pads and rotors for wear annually. Take your vehicle in for repairs if you start hearing squeaking or scraping, your vehicle veers to one side or the brake pedal pulses when braking. These are signs of worn brakes and will lead to diminished braking capability.

Windows and lights
Clear visibility gives you the extra time needed to react in an emergency situation. Keep your windows (both inside and outside), mirrors and lights clear of obstructions and as clean as possible. Try to walk around your car once a month to check that all of your lights still work. You should also change your wiper blades every six months, earlier if they begin streaking. If you are having trouble seeing the road at night, there is a possibility that your headlights are out of alignment. Luckily, this is generally a cheap and easy fix.

Fluids
A fluid leak can cause the steering wheel or brakes to stop working or even cause the entire engine to suddenly lock up or overheat. Check the following fluids to keep a vehicle running smoothly and prevent an unexpected mechanical failure while on the road:

  • Engine Oil – Check once a month – Contrary to popular belief, most modern vehicles don’t require an oil change every 3,000 miles. Check the owner’s manual for the recommended frequency. Because oil lubricates all of the moving parts of the engine, if not changed at the recommended interval, the engine could seize and cause catastrophic damage.
  • Brake Fluid – Check during oil change – Typically needs to be changed every two years. If there is a sudden drop in brake fluid levels from a leak, the brakes will no longer work. If unchanged for a long period of time, the entire braking system could be damaged from rust, overheating or corrosion.
  • Power Steering Fluid – Check once a month – Check the owner’s manual, but most models do not require power steering fluid be replaced, but a leak can cause the steering wheel to stop responding.
  • Coolant – Check twice a year – Generally needs to be changed every two to three years. Coolant keeps a car from overheating during the warmer months and freezing during the colder months. Never check coolant levels when the engine is hot.
  • Transmission Fluid – Check once a month – Transmission fluid should be changed according to the manufacturer’s guidelines. Transmission fluid will only be low if there is a leak and should be taken to a mechanic immediately if low in order to prevent damage to the transmission.

In addition to preventing potential accidents, routine maintenance will save thousands in expensive repairs. If your are ever involved in an accident, TCS Insurance’s team will guide you through the entire claim process and help get you back on the road as soon as possible.

 

© 2017 Total Client Satisfaction Insurance Brokers, Inc. All Rights Reserved.
894 W. 11th. St. | Tracy, CA 95376
Questions? Call (209) 207-0577 or (866) 968-8393

Read more

5 months ago · by · Comments Off on Mapfre Insurance Preferred Agency

Mapfre Insurance Preferred Agency

Who is Mapfre Insurance?

Who is TCS Insurance?

Together along side other reputable insurance carriers, our team is able to provide you unsurpassed service and choice with all your insurance needs. Call or email us today!

© 2017 Total Client Satisfaction Insurance Brokers, Inc. All Rights Reserved.
894 W. 11th. St. | Tracy, CA 95376
Questions? Call (209) 207-0577 or (866) 968-8393

Read more

6 months ago · by · Comments Off on DMV Registration Services in Tracy

DMV Registration Services in Tracy

Skip the line!

We now offer in house Vehicle Registration services along with our full array of auto insurance options for your convenience. Stop right in and Get Auto Insurance, Transfer a Title, Renew Your Tags, Report a Non-Op, Get  a Duplicate Title or Update Your Registration Information without waiting in a looooong DMV line ever again!

Welcome to TCS Insurance

894 W. 11th. St., Tracy, CA 95376 – (209)207-0577

Get the fast and reliable service your deserve with a smile.

 

 

Our Registration Services include:

  • Registration Renewals
  • Transfer of Title
  • Revive Junk & Non-Resident Salvage
  • Salvage Title
  • Junk Title
  • Duplicate Title
  • Nonresident
  • Weight Codes
  • Plate Stickers
  • Plate Replacements
  • Moving Permits
  • Vessel Stickers
  • Commercial Auto Transactions
  • Motorcycle Transactions
  • Anything vehicle related……..

Stop by or call ahead! – (209)207-0577

(If you are already a client, you get preferred service and attention. Many times your paperwork is already ready for pick up! Talk to Karina or Domingo today.)

© 2017 Total Client Satisfaction Insurance Brokers, Inc. All Rights Reserved.
894 W. 11th. St. | Tracy, CA 95376
Questions? Call (209) 207-0577 or (866) 968-8393

Read more

6 months ago · by · Comments Off on Advantages & Disadvantages of a Multiple Carrier Brokerage

Advantages & Disadvantages of a Multiple Carrier Brokerage

At T.C.S. Insurance Brokers, Inc. we offer over 26 insurance programs, with coverage ranging from Auto, Home, Commercial, Benefits, Health, Life & Retirement to Specialty & Travel. Most would say that this is a disadvantage because it’s too much to learn about, understand and be able to explain. But we at T.C.S. Insurance believe that in order to serve the purpose of Total Client Satisfaction, there should not be any other alternative. We owe it to our clients to know more than one program and to be able to correctly advise them as to what the pros or cons may be.
Where did this idea come from?
As principle of T.C.S. Insurance Brokers, Inc., I took on the mission of creating an agency that can only function when our client’s needs are 100% met. Regardless if our own agency goals were put aside to accomplish the mission of Total Client Satisfaction.
So, as a group, we have carefully chosen each carrier we want to represent. We have and continue to choose each carrier based on the carrier’s current and past performance.
1. We review how each carrier handles claims. We research what consumers have to say and why they say what they say.
2. We then reach out to other agencies that have contracts with those carriers to see if there are opportunities or deficiencies with the carrier.
3. Eventually we end up interviewing the carrier before signing on and offering their product to our valued clientele.
However, the work isn’t done just yet! We then study each policy contract to fully understand the carrier’s appetite, pros, cons and policy “loop holes” (which can negatively impact our clients). Once we understand and can accurately match a client with carrier and their product, than at that point we can almost call it complete.
It doesn’t stop after we make the sale…..
Once we match the client with the product, we must understand and know what to expect when their is a claim. Becuase the reason one gets insurance is to cover for when the unexcpected happens, right? So that means we MUST know how to handle a claim with each carrier we represent. – And we do!
 -Domingo Ramos

Insurance carriers we currently represent:

contact_us_tcs_insurance_brokers_tracy_california_209-207-0577

© 2017 Total Client Satisfaction Insurance Brokers, Inc. All Rights Reserved.
894 W. 11th. St. | Tracy, CA 95376
Questions? Call (209) 207-0577 or (866) 968-8393

Read more

12 months ago · by · Comments Off on 4 Reasons to choose us!

4 Reasons to choose us!

All too often we hear other insurance agencies say that their clients only buy on price & that their client’s don’tOnline Insurance Quotes - TCS Insurance Brokers - (209) 207-0577 (866) 968-8393care about value let alone coverage. – Here at TCS Insurance Brokers we don’t believe that one bit! We know that by providing real advise and by building a good relationship with our clients we have a winning combination. When our clients listen to our advise they pick the rigth carrier and coverage for their unique need. Beyond the great advise we provide we are there when it is time to submit a claim. Our great service and knowledge is what sets us apart from the rest.

Below are four reasons Bay Area & Tracy consumers choose us!

4 Reasons that make us the best!

  1. Ease of Use– When you work with us you do not need to go shopping around. One simple call, email or even a text and we are off to find you exactly what you need without compromising coverage or quality.
  2. Save Time & Money – “Time is Money!” That’s why buying a policy from us is easy and will not be a long, drawn out ordeal. We quote and bind coverage the same day and most of the time within minutes!
  3. Peace of Mind – Our sound advise and the quality carriers we represent help our clients sleep better at night. Our clients know that if something happens we have them covered.
  4. We Grow with You – Here at TCS Insurance Brokers we have insurance programs tailored to fit everyone in our community. From the first time driver, to the homeowner, to the business owner and to the retiring couple looking for financial vehicles to extend their retirement income. We Can & We Do, Do It All!

contact_us_tcs_insurance_brokers_tracy_california_209-207-0577

© 2016 Total Client Satisfaction Insurance Brokers, Inc. All Rights Reserved.
894 W. 11th. St. | Tracy, CA 95376
Questions? Call (209) 207-0577 or (866) 968-8393

Read more