for People in Their 20’s

“Do not discount the value of an independent
agent to be your insurance advocate.”
Mary B. Pursell, CPCU
Agency Principal

“I recommend that you start your life insurance program as
early as possible with a product that will allow for additional
amounts of coverage as needed. The younger you are, the
premiums are less and the policy value is greater in future
years. The need for insurance may not seem apparent in
younger years, but it is there and there are many factors that
could complicate the application process later on.”
John Kennedy
Personal Line Support

“Stay at home, save your money! Living at
home with your parents covers you under
their insurance policy. When you are ready
to shop for your own insurance you will get
a “prior insurance credit” which will lower
your monthly premium.
Lisa Iannotti
Vice President of Personal Lines

"Nobody is invincible. Accidents happen
at all ages. Do not think that your
property or body is immune to damage
or injury. Be prepared by having the best
insurance that your budget will allow.”
Jim Halloran
Life and Health Associate

“When in a car accident always call the police and get a
police report even if the damage is minor. The police report is
extremely important in the claims process in determining the
‘at fault party.’ Furthermore, if you are in a car accident and it
is not your fault, always file a claim with the other party’s
carrier. It is so important to exchange as much information as
possible when in an accident. Always get the other party’s
insurance information!”
Kathleen Long
Personal Lines Customer Service Representative

“Understand ‘Personal Injury’ and how
important it is to protect yourself.”
Jessica Ritoe
Personal Lines Customer Service Representative

“Think of insurance as your
financial security since it protects
your assets and protects your
earning power if you are sued.”
Joseph Bittner
Commercial Lines Support

“While you are young and healthy, obtain a life
insurance policy amount for ‘life’ and not for
‘term’. Once you’re older and you try to go and
get a policy, you will pay triple what you would
have paid when you were 25.”
Lina Fiondella
Administrative Receptionist

“If your car is not too valuable,
you can save money by not
purchasing collision coverage.”
Gada Horehlad
Bookkeeping

“If you’re not an insurance expert, get the advice of
one before purchasing coverage by yourself. Going
direct to one company might be cost effective, but
when you don’t know what other companies can
offer or what you should be covered for, your policy
might not cover you when you file a claim.
Remember, agents are your advocates and are
there to make sure you are ok.”
Huda Khalid
Director of Technology and Marketing

For all your insurance needs, contact Abbate Insurance Associates, Inc.
conveniently located in New Haven, CT. Our mission is to protect what is
important to your family and your business by providing superior
cost-effective products and services.
Our products include property, liability, workers compensation, business
auto, umbrella, bonds, life, health, disability, cyber, personal auto, home,
flood, and boat.
TEL: 203-777-7229 | WEB: abbateins.com | EMAIL: vantage@abbateins.com
671 State Street
New Haven, CT 06511