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About Us
About Us
  • Extended business hours
  • Same day quotes and coverage available
  • Easy payment plans
  • Can write customers with no prior insurance
  • First time car & home buyers
  • Very competitive prices  we can shop since we are an independent agency
  • Clean records to severe records acceptable
  • We can go to you
  • Provide 800 number for everyone's convenience
  • Superb Customer Service
  • Ability to pull rabbits out of the hats occasionally
We are an independent insurance agency which gives us the ability to write for several different insurance companies. This gives us the flexibility to write some of the hardest to place business. If we have a client who runs into a stumbling block, we normally can help them with their situation rather than sending them down the road with no idea where to turn. What's more, when we have clients whose needs change for the better, we an move them up into the appropriate market so they can save more money and/or receive more coverage. On the other side of the coin, we can write the most desirable business with some of the very best insurance companies available. It goes back to service. We strive to keep our clients happy, and do whatever necessary to do so.
We have four locations all of which are in Illinois: Alton, Carbondale, Highland, and Salem. Our main office is located in Highland with around the clock service. If it is a weekend or after hours, we have a message service and monitor it on a regular basis. We realize that our clients need flexibility. As you well know, people have fires and accidents after hours too. We want to be sure we are there for them when they need us most. The company is always striving to be better and has proven to be tops in customer service.

Tammy Dugan Your Local Insurance Professional
Tammy graduated from SIU-C with a Bachelors of Science degree in Finance, December of 1991. She went to work for a life insurance company for about three years being promoted to an Area Sales Director. Her accomplishments landed her a job with PFSI in March of 1994. At that time she opened and set up a very successful office in Carbonadale, Il where she is known in the insurance community as one of the best in customer service. Understanding the importance of maintaining good relationships with her clients is one of Tammy's greatest strengths. In return, her clients have been very loyal to her.

Tammy has completed numerous training sessions over the past eight years making her the Insurance Professional to handle your Auto, Home, Life, & Commercial Insurance Needs.

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