Monday, July 24, 2017

Are You Sentimental About Your Auto Insurance Company?

Cheap Car Insurance

Are You Sentimental About Your Auto Insurance Agency?

Why is it that you aren’t comparing auto insurance quotes? Is it because you’ve had the same company for years and you kind of feel attached to them? It might sound silly, but I think a lot of us get that way. With money being a little tight today it might not be a bad idea to spend a few extra minutes and compare. With online quotes being simple to get, why not spend a few minutes- you might be surprised and get to keep a little extra cash in your wallet- not a bad thing is it?car Insurance san antonio

Deductible, liability, no fault- the terms of auto insurance can get a little confusing and figuring all this out on your own might seem like a mountain- so why not talk to an agent. A real person instead of a computer screen, a face to face or even a phone to phone conversation could help to answer questions which could lead to some significant savings- not a bad way to save a buck or two.

Maintaining a safe driving record is also a great way to keep the cost of auto insurance down. AAA offers classes that wouldn’t take a lot of time and could save you some money- and maybe make you a better driver- those are impressive benefits.

Young drives pay a large premium for the privilege of driving. Having three children I know this for a fact. Comparing and keeping that safe driving record are important for guarding the wallet. A few extra moments to check the rear view mirror are well worth the effort to avoid an accident or a ticket. Keep the cell phone on the seat and out of your hand- you can always pull over to answer the phone- don’t take any unnecessary chances.

Discounts are worth seeking out. Look on line, ask an agent, and use your bargaining power. So, just because you’ve always done things the same way, doesn’t mean you can’t teach a young dog a new trick. Whose money is it anyways? If a new company wants your business and can offer you a better deal- why stay with the old company? As you count your extra cash each month the old sentimental feelings might just be replaced with a happy smile and a great sense of satisfaction for a job well done. What really do you have to lose by shopping around and comparing rates?

There are several factors that are important in determining how much you can save on your car or automobile insurance premiums by getting a car insurance quote. Let’s discuss a few right now, so you can have the best chance to find cheap car insurance.

First, the driving record of the drivers in your household is a major factor. Violations such as speeding, reckless driving, and failure to obey a traffic device all drive up your policy rates, and a driving record with no violations means lower prices. Good advice, drive safely and make sure the other drivers in your household do as well.

Second, the ages of the drivers in your household. The younger drivers, especially those under twenty-five, will have higher risk associated with them, and therefore they will tend to drive your policy quote higher. You can mitigate this somewhat by making sure they take driver’s education and safety courses offered by your local school district or AAA.

Third, the types of vehicles on you policy effect your premiums. Sports cars and expensive luxury cars are often more expensive to insure, and coverage for a classic or antique vehicle can also be higher. Older vehicles that do not require collision coverage can spell cheap car insurance, and these are sometimes a good alternative for younger drivers. Don’t sacrifice safety features like daytime running lights and anti-lock brakes though, because those features often mean nice insurance discounts.san antonio car insurance

These are just a few hints and tips to follow. In addition to this page for English speakers we also have a page in Espanol called “Seguro de carros baratos”. Shouldn’t you take 8 minutes and get your quotes now?

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*Average Savings – $431/year!

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Our Motivation

“ I’m just a regular guy who hates high insurance rates as much as the next person. That’s why I put this site up, hopefully so I could help a lot of people find lower rates. Get your quotes now… I think you’ll be glad you took the 8 minutes. ”

from Ed Cuellar Insurance Agency

Tuesday, July 4, 2017

Things You Need to Know About Home Insurance

Things You Need to Know About Home Insurance

When it comes to protecting your home, it’s more than just safeguarding against theft or structural damage. Home insurance necessitates you to think about the bad things that can happen to your home: structural damage from natural occurrences, theft, etc. It can sound pessimistic to think about what might happen, but it’s imperative that you protect yourself against everything life throws your way.
You should feel safe in your home, which is why homeowners insurance is so important. If you’re faced with a disaster, you need to focus on how to reclaim your sense of stability; the furthest thing on your mind should be money. Some of the top things you need to know about home insurance are the following. homeowners insurance san antonio

Know your Home Insurance Coverage

Generally, home insurance policies will pay for any damage to your possessions and property if you are the victim of vandalism, fire, theft or certain storms. It also provides liability coverage in the case someone gets hurt on your property and you become the victim of a lawsuit. Home insurance also covers shelter costs, so you are spared expensive hotel bills if you are displaced from your home for a period of time.
Home insurance also protects your belongings outside of your home. For example, if something is stolen from your car, this would not be covered by car insurance, but it would be covered by home insurance. Generally, policies cover your belongings when you take them with you while traveling. If you have a business trip and your expensive laptop is lost by the airline, contact your home insurance agent after filing the claim with the airline. In most cases, you will receive some compensation.

Know What Your Home Insurance Doesn’t Cover

Standard home insurance policies exclude power failures, earth movements such as earthquakes, landslides, and sinkholes, nuclear hazards, war, governmental actions, bad workmanship or repair, faulty zoning, and flooding or poor maintenance. Home insurance policies usually cover windstorms, although coverage of hurricanes or tornadoes may be excluded in some high-risk areas.
Water damage can be more complicated. Usually, water that falls from above, such as burst pipes and flooding is typically covered, but the water that flows from below, such as ground flooding or a backed-up sewer, usually isn’t. If you live in a high-risk area for earthquakes and floods, then considering supplemental coverage is important. property insurance san antonio

Shopping Around for Home Insurance is Essential

Before you commit to a policy, take some time and research a trustworthy agent. An excellent source of feedback is a personal recommendation or good online reviews. If you need to file a claim, the process may be draining when dealing with someone you don’t trust, or that wants to withhold or deny your claim for arbitrary reasons. A trustworthy agent and home insurance company may mean the difference between receiving your money or not, and the amount of hassle that it will take.
It’s important that you not just shop for a policy; you need to ensure that you are selecting the best agent for your needs.

from Ed Cuellar Insurance Agency

Thursday, June 1, 2017

Reasons Drivers Don’t Buy Car Insurance Policies

Reasons Drivers Don’t Buy Car Insurance Policies

Having car insurance is the law in all fifty states, and it’s something every driver needs to have. If it’s the smart and legally required thing to do, how come more than ten percent of the population in the US drives around every day without owning a car insurance policy? Below you can read on for some of the ill-informed, though logical, reasons behind the decision to not be insured, or to choose the first insurance you see, not knowing if you’re under or over insured.Car Insurance San Antonio

Reason 1: “Car Insurance is Expensive”

There appears to be a direct correlation between the strength of the economy and the number of uninsured drivers. When the economy was booming in the mid-2000s, the number of uninsured motorists dropped. When the economy is good, people aren’t on such tight budgets. However, since the downturn that started in 2008, there has been a decline in the amount of uninsured drivers.
People are risking the sanctions of driving without insurance coverage to save money. There’s a lot of money to be saved by not paying car insurance, as the average cost is around $900 a year. If you attach that cost that to other living expenses, the bills can add up, and tangible things like mortgages, rent, food, and utilities tend to take priority.
However, not including car insurance in your budget can be dangerous, as it can also leave you over or underinsured. Accidents are more common than most people think – do you really want to risk it?

Reason 2: “Car Insurance is Time Consuming”

The results of a survey done by NerdWallet, almost ninety percent of drivers feel that car insurance shopping is a frustrating and time-consuming experience. It can be uncomfortable giving out private information to an insurance agent or online, and the car insurance websites can be overly complicated when comparing quotes. This complication pushes the consumer to choose their policy quickly and without much thought, just so the process can be over. This means that a lot of drivers are overpaying for car insurance, as they are not aware of saving opportunities.

Reason 3: Car Insurance Providers are not Trustworthy

Consumers may not trust car insurance providers due to a bad customer service experience in the past or feel that their flashy adverts create confusion. A driver doesn’t need to be entertained by car insurance; they just want to feel their assets and finances are being secured and protected. There needs to be good communication between the client and the agent so that the customer feels their needs are being met and understood. And while there are services out there that don’t quite offer bang for your buck, there are plenty of providers that offer a solid service that protects the consumer. San Antonio Car Insurance
Car Insurance has a lot of Complicated Jargon
A lot of consumers are not confident or trusting of products they can’t understand. Insurance policies (no matter if they are auto, homeowner or life insurance) have their set of complex terms and conditions. If there is little to no contact between the agent and the customer, the latter may feel as they are not being benefited or helped from the car insurance agent, and may not feel the need in maintaining their insurance policy. Ultimately, why would a customer spend a monthly part of their budget on something they don’t feel they’re using?
You might not be aware that you’re underinsured until it’s too late and you’re facing increasing debt coming from mechanical and medical payments. It’s vital that you locate an insurance company that meets of your needs before you need to use the insurance.
Call the Ed Cuellar Insurance Agency with any questions you might have

from Ed Cuellar Insurance Agency

Monday, May 1, 2017

5 Things You Might Not Know Are Covered By Motorcycle Insuranc

5 Things You Might Not Know Are Covered By Motorcycle Insurance

There are many good reasons to get motorcycle insurance if you ride or own a motorcycle. One of the biggest motives is that most states require a minimum of property damage liability and bodily insurance coverage. Also, it’s always a good idea to be protected in the case or theft of an accident.
Motorcycle insurance can be complicated, and you might not be aware of all it can cover. Read on for some facts about motorcycle insurance. Motorcycle insurance san antonio

1. Almost any type of motorcycle can be insured

If you believe that your bike can’t be insured as it’s a classic from the 60s, or you’ve fully customized it, think again. Insurance companies offer coverage for nearly all motorcycles, including modified bikes, sports bikes, antiques, bikes built from a kit and cruisers.

2. Coverage is available for scooters, ATVs, snowmobiles – even golf carts or Segways

I know what you’re thinking: “Hey, those aren’t motorcycles!” That’s true, but many insurance companies cover leisure vehicles under their bike insurance policies. Since many states require liability coverage for mopeds, ATVs, snowmobiles and the like, it’s important that you know you can insure them this way, as most homeowner and car insurance policies don’t offer protection for leisure vehicles.
If you own a golf cart, you might not think it’s important to get it insured. However, injuries related to golf carts more than doubled between 1990 and 2006. Golf carts are now being driven on trails and streets, not just on golf courses. They don’t have doors, stability controls or seat belts, so comprehensive coverage and liability insurance is a good idea.
Segways can also present a danger, as you are more likely to require a hospital visit from falling off a Segway than from being hit by a car while on foot. Therefore, it’s worth considering medical payments coverage if you own a Segway.

3. Motorcycle insurance helps protect your vacation

Most motorcycle insurances will provide you with the same type of protections as car insurance: bodily injury liability, collision coverage, property damage and medical payments coverage.
However, there is also a vast range of other types of coverage that can be useful while on road trips. If your motorcycle breaks down, you can get monetary assistance from labor and towing coverage. If you get stranded, trip interruption coverage will cover the costs of food, transportation, and lodging. You will also be protected by your comprehensive and collision coverage if you rent an ATV or bike during your vacation.

4. Motorcycle insurance also covers your protective gear

Along with your bike, you can also insure the gear you need to ride your bike safely. Items like riding leathers, gloves and helmets are expensive, so if something happens to those things, your bike insurance can assist you in replacing them.

5. If you are a homeowner, you can get a discount on your motorcycle insurance

Depending on the state in which you reside, your insurance company can offer several ways to receive a discount on your motorcycle insurance, including taking a safety course, insuring another vehicle along with your bike, being a careful driver and owning a home.
Life is a series of twists and turns, but if you have the right motorcycle insurance coverage, you’ll be ready for anything life throws your way.
So don’t hesitate to give Ed Cuellar’s Insurance Agency a call.

from Ed Cuellar Insurance Agency

Friday, April 14, 2017

What You Need to Do With Your Car Insurance When You Move

What You Need to Do With Your Car Insurance When You Move

Whether you’re just moving across town or to a different state, there are a lot of steps involved that are not limited to just moving your personal belongings. You also need to update your information with several different companies, such as your credit card provider, bank, utility companies and your car insurance provider. San Antonio Car Insurance
Even if the current drivers and vehicles on your insurance policy remain the same after your move, it’s still necessary to contact your agent, so your plan can be correctly updated. A lot of factors can affect your car insurance coverage once you move, so it’s important that you are aware of them before becoming vulnerable.

Saving Money on Car Insurance When You Move

When you move, the best way to save money on your car insurance is to inform yourself of all the areas coverage option. You might come across a company you’ve never heard of, that meets your needs and is offering a discount. It’s especially important to review all your options if you’re moving to an area that has higher than average premiums, such as a city.
You might think that your current car insurance provider is offering you a fair price in your new area, but you still need to shop around for other premiums. Some online sites allow you to build, customize, compare and purchase a car insurance policy in minutes. Throughout the quote process, you will be offered the assistance of professional car insurance agents, making this a relatively painless experience.

Avoiding “Coverage Gaps” While Moving

It is illegal in the US to drive without car insurance, so if you’re switching or renewing your car insurance policy, you need to do this before you move, to avoid any sanctions. To prevent gaps in car insurance coverage, don’t cancel your existing policy without having lined up a new policy.
Car Insurance San Antonio

Factors That Affect Your Car Insurance Rates When You Move

State Insurance Requirements: Every state has their car insurance requirements, which determine which coverage and minimums your policy needs. These requirements impact the total cost of your insurance, so while you may be saving on insurance by moving to a cheaper state or area, make sure that you’re fully covered to avoid any potential debt, lawsuits or charges.

New Zip Code: Your zip code affects how much you pay for auto insurance, as zip codes assist car insurance providers in adjusting for certain risk factors, such as crime rates, natural disasters and the amount of traffic. Taking these risk factors into account, you will have a higher premium if you live in a city, as there is a higher percentage of accidents, traffic, crime, etc.

Life Changes: Moving can bring a lot of changes to your daily life. Significant changes in your policy members or driving habits mean that your coverage will need to be adjusted. Some of the major life changes you need to take into account are:

● Marriage
● Purchasing a new car
● Buying a new home
● Variations in the drivers covered by your policy

Call Ed Cuellar for any Information you need about Car Insurance in San Antonio

from Ed Cuellar Insurance Agency

Sunday, April 2, 2017

A Guide To Commercial Insurance

Ways To Lower Your Home Insurance Costs

Ways To Lower Your Home Insurance Costs

When you first buy home insurance for your property, the rates can start off low and over the years, they can creep their way up. In just the past decade, the average cost of home insurance has risen by around fifty perfect. An insurance company has to comply with rising costs, so the premium that you pay will increase as your property grows in value.Antonio Home Insurance

If you face high home insurance bills, there are a few different ways that you can lower the costs. Home insurance is important as it protects your valuables and property, but if you’re unsatisfied with the price that you’re paying, it is worth taking the time to find out whether or not you can lower your costs.

Methods to Lower Home Insurance Rates

There are many different ways to control your insurance costs and ensure that you’re getting the best policy and rates for your needs.

An Over Insured Home

Whether you’re a first-time buyer or constant mover, when you get into a new home, it can be easy to make the mistake of over-insuring your property. Yes, you want to have your home fully covered in case of a disaster, but buying too much insurance can often be pointless, and it just wastes your money.

Every year when you’re renewing your policy, make sure that you review it thoroughly. One of the main things that you should look out for is floaters. A floater is insurance on extra items that your regular insurance doesn’t fully cover. So, if you have valuable jewelry, expensive electronics or artwork insured separately on your policy, check to see if the item has lowered in value and if so, you can reduce the floater amount. If you no longer own the item, cancel your floater.

Reduce Your Home’s Risk

There are a few steps that you can take to lower the cost of your home insurance and make your home safer and almost everything-proof. Give your insurance provider a call and see which of the following you could do to reduce your home’s premium costs:

● Make your home weather and storm resistant by adding features to your home such as shutters
● Minimize the risk of water damage by having your electrical and plumbing system professionally updated
● Add extra locks such as deadbolts and fit burglar alarms and smoke detectors to increase the security of your home
● Reduce your home’s flooding risk by elevating your home or installing floodgates

Not all of these updates are cheap to carry out, but ultimately, they can save you a lot of money in the long run by lowering your premium. Not only that, but it will also make your home safer to live in.

Raise Your Deductible

The lower your deductible, the more money you’ll have to pay for your insurance premium. Consider paying a higher deductible; yes, you will have to pay more out of pocket in the event of a disaster, but ultimately it can save you money. The money you are saving on your premium could be put away into a savings account so that you always have your deductible cost available.
Call Ed Cuellar for an Insurance Quote for your Home

from Ed Cuellar Insurance Agency