What are the advantages to using an independent insurance agency to purchase insurance?

Gordon Tower Insurance is an independent insurance agency representing a wide variety of professional insurance carriers. We work for you, not the insurance companies. We evaluate each customer individually to best fit their needs. We offer expert agent advice, competitive rates and great claims service. Unlike the big box companies where you are just a number, you get personal one-on-one support from us. Our knowledge is your best protection and we have an extremely loyal client base to prove it.

We’ll work together to select the proper insurance coverages you need for your personal property. Our goal is to provide you with peace of mind and to give you protection when life’s events hit you hard. We don’t take this responsibility lightly and we pride ourselves on watching your back.

Insurance is something most people don’t spend much time thinking about, until they really need it. That’s what we are here for. We will work with you to determine the right combination of insurance and financial products for you, your home, your autos and your business. We remain flexible so that when your life changes, you have a new baby, buy a new home, get a a new car, your insurance needs are met.
Call us at 216/663-7777.

We answer our phones. We are real people on the other end of the line. We promise you wont go into a 20 minute voice mail loop & then get disconnected by a robot.

What factors can affect the cost of my automobile insurance?

The type of car you drive, the purpose the car serves, your driving record, and where the car is garaged can all affect how much your automobile insurance will cost you. If you have two or more cars insured in the same household, we can save you up to 20% off on your auto insurance alone with the Multiple Auto Discount. 

You also qualify for a Multi-Line discount where you have more than one policy with us. Like your homeowners, auto, motorcycle, boat or your life insurance all with Gordon Tower Insurance. If you have two of the above, you qualify for a multi-line discount up to 17 % off your premium!

You also get rewarded for being a responsible driver. As long as you have no moving violations or at-fault accidents in the past three years, you get discounted rates through the Good Driving Discount.

If your high school or college student makes merit roll/honor roll every quarter, this will cut down on their auto insurance costs. If your teenaged son or daughter receive good grades, they also qualify for a Good Student Discount, up to 10%!

Am I required to carry auto insurance for an old car?

Auto insurance is important whether you have a new or used car. If you are involved in an automobile accident, auto insurance will cover the cost of repairing your vehicle as well as expenses incurred from medical treatment that becomes necessary as a result of a bad accident. Auto insurance also provides you with liability coverage in the event that someone involved in an accident with you attempts to sue you. In most states, you are required by law to purchase a minimum of liability insurance if you own and operate a motor vehicle.

How does full glass coverage work?

Full glass coverage is an additional physical damage coverage which can be purchased on a personal or business auto insurance policy. However, full glass coverage often needs to be purchased in conjunction with comp coverage. Full glass coverage adds glass breakage as an additional named peril to the auto insurance policy. This means you have coverage in the event that a rock gets kicked up off the road it breaks your windshield and in most cases there is NO deductible paid by you.

How does a personal umbrella policy work?

An umbrella insurance policy works exactly as the name describes. The umbrella policy sits over the top of underlying insurance policies and provides an extra layer of liability insurance.

In the case of a personal umbrella underlying policies would include auto insurance, homeowners insurance, boat insurance, rental property insurance, etc. If the limit of liability is used up on the underlying policy then the umbrella kicks in to provide additional coverage.

Should I buy my insurance online?

The fact that you are here reading this tells us you love to be online! Should you get your insurance online? We’re not so sure. Many people who have done so, including small businesses, complain about lack of personal service from their online “agents”. Direct carriers have been trying to commoditize insurance since the late 1990s when e-commerce took hold of our country. We think that insurance is super complicated and most people have difficulty understanding it. Most people have little knowledge of what insurance addresses and are often far too busy to try to figure it all out. That’s where we come in. We, at Gordon Tower Insurance, make sure you have the right coverage. And we are there for you when something bad happens. You can’t do that online.
Call us today at Gordon Tower Insurance at 216/663-7777 for a personal approach to your insurance needs.

Do I really need my own insurance agent?

Yes! Consumers have an alarming lack of knowledge about their own insurance coverage, according to a recent national survey conducted for Trusted Choice and the Big “I”. The independent research results found that 40% of consumers were not confident or only somewhat confident that they have adequate and appropriate insurance coverage. We, at Gordon Tower Insurance Agency, believe that you deserve more than 15 minutes on hold on a 1-800 line where your questions aren’t really being addressed. You deserve time & attention from an insurance agent who cares enough to make sure you understand your own insurance coverage. And that it is appropriate for your needs.
Call us today at Gordon Tower Insurance at 216/663-7777 for a one-on-one personal review of your insurance policy.