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?

Enter Your 5-Digit Zip Code:

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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

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, 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

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 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

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


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

Tuesday, January 24, 2017

This Article is publish in the Mutual Benefit Group :
We found it very interesting and wanted you to have a look at it:

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

Tuesday, January 3, 2017

Buying Home Insurance

What You Need To Know Before Buying Home Insurance

A home is a significant investment. Your hard earned cash pays for the property and all of the items inside. It can take years to make a house feel like a home finally, and the last thing that you want is to lose it all in a disaster and not have any coverage to help your pay for the costs.

It’s imperative that you have your home protected in case of fires, a natural disaster, theft and more. Although homeowners insurance isn’t something that you should pass up on, there are still a few points that you need to know and consider before you purchase.San Antonio home insurance

Points You Need to Understand

When it comes to buying insurance, you should never jump into buying the first policy that you come across. Investing in insurance is a decision that you need to think about thoroughly.

Not every homeowner will want the same type of insurance; there are various factors you should take into consideration to help you find a policy that will suit your needs. Do your research so that when it comes to selecting your insurance, you know what you’re looking for and doing.

Home Insurance Is Necessary

As the property owner, you’re the only one who can choose to protect your property. Without coverage for all of your personal belongings and property, if anything were to happen in your house, you’d have to pay for the costs out of pocket.

Consider Your Deductible

Before an insurance provider pays for any costs that you’re claiming, you must first pay your deductible. The lower your deductible, the less you’ll pay in the event of something happening to your property, but the higher your premium becomes. You need to consider your deductible and choose a cost that suits you the best.


When taking out your insurance policy, it is worth checking if you qualify for any discounts. For example, you may be entitled to a discount if your home has a secure alarm system, deadbolts and an upgraded plumbing and electrical system. Insurance agents will be more than happy to discuss your options with you, so take the time to find out which policy would best suit your needs regarding coverage and price.

How Much Coverage Do You Need?

The more coverage you have, the less money you will need to pay in the event of a disaster. However, you don’t want to be over-insured as this can cost you more money than it’s worth. Ideally, you need to find the perfect amount of coverage that suits your circumstances best. In some cases, an insurance provider will make the decision on how much coverage your property and belongings needs.

Carefully Read the Policy

Let’s stress how important it is that you thoroughly read over your policy. When you invest in home insurance, the policy becomes a legal contract. All of your rights and your insurance provider’s rights are written clearly, and if you don’t look at it carefully, there could be some important points that you miss. For example, you may find that some insurance won’t cover you for certain natural disasters, so depending on where you live, you may want to consider getting extra coverage.

from Ed Cuellar Insurance Agency