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 http://edcuellar.com/what-you-need-to-do-with-your-car-insurance-when-you-move/
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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 http://edcuellar.com/2017/04/02/384/
via http://edcuellar.com

Tuesday, March 21, 2017

What Is Your Rate? | Many Ways To Get Cheap Car Insurance

What Is Your Rate? | Many Ways Of Getting Cheap Car Insurance

A little knowledge goes a long way when you are shopping for car insurance. Understanding why insurers offer better rates to some drivers and do not want to know about the others will help you in this process. Remember, regardless of how good your driving history is, qualifying for some of the discounts will lower the premium.Car Insurance San Antonio

In fact, it is probably more beneficial to seek for reasons to ask rate reductions when you are paying over the odds. A ten percent cut may not be much fi the premium paid is already low. But it can be at least couple of hundred dollars for people with higher premiums.

Usually it is not easy to generalize the practices throughout the industry. However, below savings will be offered by most companies. It may take a while to be eligible for some of them. Still you can work your way slowly to achieve most of them after getting the ones apply to you immediately.

Here are the factors affecting the availability of better deals to you, Attainable reductions on rates and other ways of pushing for cheaper quotes.Factors Affecting Premiums Offered Directly
Driving History: Drivers pick up traffic violations, get into accidents and make claims along the way. The fewer the problems and signs of careless driving the lower the quotes will be. Generally, the latest records play more role in the calculation of costs. Most carriers look at the last five years. So, starting to be a bit more careful on the road and follow the traffic rules will gradually bring down your premium.
Yearly Mileage: The longer you stay on the roads the higher the risk of accidents. There are ways of reducing the mileage. For example, you can move closer to work and avoid long journeys where possible. Some people drive hundreds of miles for a short stay and come back the same distance. Flying and picking up a rental car there can be cheaper at the time and later on with the reduction on coverage costs.
Age and Gender: Statistically motorists over the age of 25 and women are safer. Sometimes switching the main driver from husband to wife could deliver the discounts. If you are buying a joint policy look to have the older person as the main policyholder.
Marital Status: Insurers believe that married customers are safer and offer them lower deals. You will not propose for the sake of more affordable vehicle insurance. However, if you do marry you should look into rearranging your policies as soon as possible.
Credit Score: In majority of states carriers can check the credit score of the applicant before they offer a firm quote. You might like to check your credit record for any mistakes or look for a provider that does not check financial history. In some cases, you could manage to talk your way out of rate increases by pointing out that your problems are now behind you (since you found a new job, for example) and you should not be penalized for unforeseen circumstances you suffered.
Zip Code: Your neighbourhood plays an important role in the way insurers assess risk just like daily commute to work. If there is a high level of car theft, crime and automobile accidents in your zip code you will get higher quotes. Many families choose to live outside of cities because of crime and commute longer to work. You just have to balance those two influential factors and of course your personal preference will be influential as well.
Overnight Parking: When the cars are parked on the drive way or even better in the garages they are less likely to get stolen or get knocked by other cars and smashed by drunken people fighting on the streets. You need to keep that in mind while house hunting.
Vehicle Insured: It is a well-known fact that some cars are considered to be safer and securer and insurers offer discounts for the owners. Those automobiles are generally safer for your family and less likely to be stolen due to additional security features. There is always a good reason when a financial institution awards its customers. If you fancy driving a sports car, you need to add the cost of insurance as well before judging if the pleasures are worth the costs because it will not be economical.
Reasons For Rate Reductions
Clean Claim History: Good driver with no claims within the last five years are the type that most companies like to attract. Even you had one or two claims by keeping it clean from now onwards you will be working your way to considerable savings each year.
Age Related: Generally, you will get better rates after the age of twenty five. Still you should be provided with some sort of cuts each year that passes without any traffic tickets or claims.
Installing Anti-theft Devices: Nobody likes to see their car stolen. Installing alarm and immobilizer or buying vehicles with these features already installed can pay back in time with economies provided.
Safety Features: Manufacturers keep developing better defence against accidents. That is why updating vehicles every four or five years can make sure that your family is better protected while you enjoy further savings.
Membership discounts: Military members and some automobile association members can get good discounts. If you belong to any association or group you should point that out.
Being Grade A Student: This is one of the best discounts a young person can get. They hardly have any driving history and therefore, keeping head down and studying shows responsibility. That is the reason many companies offer large savings to them.
Multiple Cars: Bringing all of your vehicles within one policy can allow you lower the premium considerably. So, you would have at least two companies to check for the best offer.
Multiple Drivers: This could be another way of bringing all the family cars under one policy. Especially couples share cars anyway, so why not insure them together.
Retirement: Retired people are expected to take it easier since they do not have to go to work every day. This reduction is mostly to do with using auto less, really.Automobile Insurance san antonio
Environmentally Friendly Choice: Every company likes to do their bit for the environment. You may be able to get even larger savings by specially seeking out those firms that offer larger cuts on the costs for green choices
Consolidating: Purchasing auto, home and life insurance through same provider can offer good discounts. So you could look into finding a great company to offer excellent rates for all of them and overall.Further Efforts To Find Cheap Auto Insurance Quotes
Comparison Shopping: Once you know the level of coverage you like, shop for several quotes. At this point, http://quotesinsuranceauto.org can help you find those competitive offers quickly thereby saving you time and money. Nearly every motorist can economize dollars by checking around a bit regardless of their zip code, age or claim history.
Larger Deductibles: Increasing deductibles is another way of lowering costs. This works pretty well when you want to buy more coverage but the quotations are coming too high. Instead of giving up on some of the cover you need you could set a larger deductible.
Completing Safe Driving Course: A few insurers offer these courses as well as the independent bodies. When you take it from the carrier you may face a rate hike if you fail.
Dropping Some Of The Coverage for Older Automobiles: The open market value of a vehicle drops down with age. At some point there may not be much point for insuring it for comprehensive and collision covers. Then, you could start putting some money away for the new car by dropping those covers and just leaving liabilities.
Checking Policy Accurateness: Normally, policyholders should check the accuracy of their policy at each renewal. There might be a mistake that is costing you cash.
Review Extra Covers Added: Over time you might realize that something included in your policy in the past is still there although there is no need for it any more. For example you might have bought a roadside recovery from another company and no need to have it in your auto policy as well.

Hopefully, you will be better equipped after reading all these points and do not hesitate to enquire about discounts or shop around for cheaper auto insurance rates. Knowing you can get will encourage you to ask.About us | Contact us |



from Ed Cuellar Insurance Agency http://edcuellar.com/2017/03/21/what-is-your-rate-many-ways-to-get-cheap-car-insurance/
via http://edcuellar.com

Sunday, March 5, 2017

When To Choose A New Auto Insurance Provider

When To Choose A New Auto Insurance Provider

It’s not uncommon to hear about vehicle owners being misled and ripped off by their car insurance provider. They offer great deals and perks when you first take out insurance with them, but as you become a long time customer, the benefits slowly begin to deplete. When you’ve been with a company for an extensive amount of time, you’d expect to receive equally good, if not better perks than when you were a new customer, but this isn’t always the case.car Insurance san antonio

If you’re in this kind of situation with your current auto insurance provider, you should first give them a call and ask if they can offer any discounts. If they’re unable to provide you with any savings, or if the cut is minuscule, you may want to start shopping around for a new insurance provider.

Knowing When to Switch

Not sure if you’re insurance company is ripping you off? If you’re dealing with any of the points below, it could be time to think about switching.

● Unhappy with Your Coverage

One of the most common reasons people change their provider is because they’re no longer happy their coverage. If you aren’t satisfied with the coverage that you’re paying for, don’t stick with it, shop around. There’s an extensive amount of options that are available to you, so just do some research. All companies want their customers to be satisfied and if that’s not how you feel, just look elsewhere.

● Continuously Rising Rates

If you have a clean driving record, you’d expect to have some discount on your insurance. However, if every year your rates continue to go up, you should begin to seek business elsewhere.

● Poor Customer Service

Most insurance providers are good at communicating with their clients, but if you’re trying to contact your insurance company and they’re making you jump through hoops just to talk to someone, they’re not worth the hassle. The company should be there to support you. If you were to get into an accident, who knows how difficult it would be to get the service, support and coverage that you pay for.

● Lack of Website

It’s incredibly uncommon for any business, especially an insurance company, not to have a website. If your provider doesn’t yet have a website, they’re either well behind the times or untrustworthy. Making payments and updating your policy are both things that you can do online when the company has an online presence. By not being online, they’re causing a lot of inconvenience to their clients.

● New Car

If you’ve just purchased a new car, it’s a perfect time to look for a new insurance company. Whether you were unhappy with your current insurance or not, if you have a shop around, you’ll probably find a company that can offer you the same coverage or better for less than you’re paying now. Many insurance companies will offer new customers a discount when they switch providers. If your new car has low mileage, you could also benefit from further savings.



from Ed Cuellar Insurance Agency http://edcuellar.com/2017/03/05/when-to-choose-a-new-auto-insurance-provider/
via http://edcuellar.com

Thursday, February 16, 2017

Premiums rise for drivers after not-at-fault wrecks, group finds

Premiums rise for drivers after not-at-fault wrecks, group finds

By Jennifer C. Kerr ASSOCIATED PRESS

San Antonio Car Accident

The Consumer Federation of America found that people with moderate incomes often saw bigger premium increases than upper-income drivers.

WASHINGTON — Most drivers don’t expect to be hit with a rate increase on their auto insurance after a car accident that wasn’t their fault. But a consumer group says it happens, and it’s a problem.

The Washington-based Consumer Federation of America says it found rate hikes on annual premiums as high as $400 in some cases.

In the report released Monday, the group analyzed premium quotes in 10 cities, including New York and Chicago but not none in Texas, from five of the nation’s largest auto insurers. The researchers found that Progressive aggressively used a not-at-fault penalty, surcharging drivers in eight of the 10 selected cities. Rates in Oklahoma City and Los Angeles did not change. Oklahoma and California prohibit not-at-fault penalties.

The group said Geico and Farmers raised rates in some states by 10 percent or more. Allstate had occasional penalties. State Farm was the exception, with no increases for not-at-fault accidents.

“Most people know that if they cause an accident or get a ticket, they could face a premium increase, but they don’t expect to be punished if a reckless driver careens into them,” said Bob Hunter, CFA’s director of insurance and the former insurance commissioner of Texas.

The industry countered that setting auto insurance rates is complicated and insurers look at many factors, such as a person’s driving record, where the driver lives, the kind of car insured and the number of miles on it. Some insurers may consider not-at-fault accidents, according industry officials, but not all do.

The National Association of Mutual Insurance Companies says there could be other reasons for the rising premiums found by the CFA. But “the report itself only underscores the fact that insurance rates can vary widely from company to company, based on how different companies may weigh the many different factors that are considered in determining rates,” said Neil Alldredge, the association’s senior vice president for state and policy affairs.

Among the cities tested, drivers in New York City and Baltimore paid the most for doing nothing wrong, the consumer group said. In Baltimore, premiums increased more than $250, and in New York City, the rise was about $400. In Chicago and Kansas City, the average increase was about $100.

The federation’s report found that people with moderate incomes often saw bigger premium increases than upper-income drivers. That seemed to mirror average premiums in the report even for people with clean driving records and no accidents, with middle-income people generally seeing higher premium rates than those people with bigger incomes.

The consumer group called the five biggest auto insurers and asked for quotes for two 30-year-old female drivers, living at the same address in the different cities, licensed for 14 years and driving a 2006 Toyota Camry with 10,000 miles. One woman had a master’s degree and was a homeowner. The other woman had a high school diploma and rented her home.

The report found drivers with higher incomes, on average, paid $78 more after a no-fault accident. Moderate-incomes drivers paid $208 more after an accident in which they were not to blame.



from Ed Cuellar Insurance Agency http://edcuellar.com/2017/02/16/premiums-rise-for-drivers-after-not-at-fault-wrecks-group-finds/
via http://edcuellar.com

Tuesday, January 24, 2017

This Article is publish in the Mutual Benefit Group :
http://www.mutualbenefitgroup.com/insurance-101/personal-insurance-101/7-reasons-to-choose-an-independent-agent/
We found it very interesting and wanted you to have a look at it:

7 Reasons to Choose an Independent Agent

HOME \ INSURANCE 101 \ PERSONAL INSURANCE 101 \ 7 REASONS TO CHOOSE AN INDEPENDENT AGENT
Insurance can be a complicated purchase. You’re not buying bread or milk. You’re buying a promise of protection that could potentially make or break your financial well-being. How do you know that you’re making the right choices about coverage? Are you sure you’re getting the best possible value for your dollar? The options can seem bewildering.

Mutual Benefit has sold its coverage exclusively through independent agents for over 100 years. We’ve seen first-hand how the advice and advocacy of agents benefit our policyholders. Here are seven reasons why we believe the independent agency experience benefits you:

They give you a choice – Independent agents represent many different insurance companies that offer a wide variety of coverage options and price points. Most on average sell for five to eight different insurance companies. There’s no need for you to accept one quote from one company, and there’s no need for you to spend time filling out many different online applications to get your own quote comparisons. With their connections and their knowledge of the market, agents can often find a better value for your insurance dollar than you might find searching on your own. Agents do the shopping. You do the saving. They find you the right blend of price, coverage, and service.
They are licensed experts – Independents can explain the complexities of insurance in simple terms, helping you make smart decisions. They make a career out of assessing their customers’ insurance needs and matching them with the insurance carrier best equipped to meet those needs at a price the customer can afford. Think about it. While you might research wording for wills on the Internet, you’ll likely go to an attorney to ensure that the document is drawn up correctly. Why wouldn’t you seek the advice of a licensed insurance professional to be certain that your home, your auto, or your business is properly protected?
They are personal advisers – Agents not only find you competitive pricing, they make sure you are adequately covered. Working with you face-to-face, your agent becomes your personal adviser, taking the time to listen to you and understand your individual needs. They know it’s not just about finding a price you can afford; it’s also about making certain you are appropriately covered so that you don’t end up insurance-poor if you do suffer a loss.
They are your advocate – If you have a billing or claim concern, or need to change your coverage, your agent can be your advocate, working with the insurance company on your behalf.
They are right around the corner – Independent agents are your neighbors…they share your interest in the community where you live, and understand the benefits and challenges of living in your locale. They are often highly involved in the community, sponsoring youth sports teams, buying from your local businesses, supporting school organizations, and voicing opinions at the monthly Chamber of Commerce meeting. They are right around the corner, ready to help.
They offer one-stop shopping – Independent agents can often meet all of your insurance needs with the companies they represent, providing auto, home, renter’s, and business coverage. Many offer life and health insurance as well.
They are consultants for a lifetime – Independent agents periodically review your coverage. They are there to help you through all the changes in your life, whether you’re going from renting an apartment to buying a home, starting a business, getting married, renovating your home, adding a teen driver to your auto policy, or looking to cover that retirement condo.



from Ed Cuellar Insurance Agency http://edcuellar.com/2017/01/24/350/
via http://edcuellar.com