Tim Monihan

Tim Monihan

Property & Casualty Insurance


Endorsement Letters I've Received

When I am asked about choosing a deductible for vehicle insurance- its important to consider whether one has the money set aside to come up with the designated amount to repair their vehicle and if it’s actually worth it carry a higher deductible.  Many financial syndicates will say- carry $1000 deductible- it’s the best savings.  Depending on the coverage – this may or may not make sense.  

Comprehensive coverage- coverage if one hits a deer, thier car is stolen, their car is vandalized, hail damage occurs or glass damage occurs.  This one of the cheapest coverages on a policy.  The difference between $1000 deductible and $250 deductible- could be less than $3/month. In my personal opinion- this minimal savings - wouldn’t be worth carrying a higher deductible.

Collision coverage- coverage if someone is at fault to fix their vehicle- is one of the more expensive coverages on an auto insurance policy.  Carrying $1000 deductible can make sense- to keep premiums lower- but one must have that $1000 set aside- in order to prevent a financial burden. 

Choosing a deductible- can’t be painted with a broad stroke brush. 

In the insurance industry- its easy to sell just on price- everyone wants a good rate.  Its important to keep the coverage selected in mind- does it make sense for the customer too?

Referral Trigger Response

Farmers Insurance- Tim Monihan Agency LLC

Farmers Insurance- Tim Monihan Agency LLC


6000 Shakerag Hill
Suite 212
Peachtree City, GA 30269


My best client is looking for not only exceptional coverage and rates on their auto, home and life insurance - but unmatched customer service. One never knows how good their insurance company is until they have to file a claim- that is where we excel.


Members I've Invited

Walter Johnson

Walter Johnson


Endorsement Letters I've Given

North Fayetteville Team

Introduced by:

Phil Downey

Phil Downey

Joined on 06/07/2019


ParticipationCoOrdinator 12/07/2020
VisitorCoOrdinator 10/12/2021
MembershipCoOrdinator 02/09/2020
100% Club 05/13/2022



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