THE BEST WAYS TO UTILIZE AUTO INSURANCE

Auto insurance, something required in the state of California and with good reason. Car insurance has always been expensive for teenagers, lead foots, and accident prone drivers. Now, it is becoming more expensive for all drivers.  A rate increase can and will be frustrating for "GOOD" drivers. With a good driving record and no claims, why should a good driver be punished? According to insurance companies, "GOOD" drivers aren't being punished. However, most insurance companies, in particular, in California have been unprofitable in 2016 and most of 2015. So to stay profitable, insurance companies must increase rates in order to pay for cliams in the future. 

In 2016, fatality rates are up 31% over 2015. 31%! With all the new technology, supreme airbags, and driver assist, Why? Distracted driving! The increase in the fatality rate by itself is a great cause for a price increase, but there are several more reasons. That new technology mentioned earlier is another reason we see prices go up. Backup camera's that have to be recalibrated after accidents, bumpers designed to crumble (for safety reasons, that can't be hammered out, like the days of old), and other new technologies are also to blame. Also, unemployment is down, meaning there are more drivers with more money, even driving newer cars, and traveling more on vacation, so driving further, which all increase the rate because the risk of an accident is increased.  Financing is easier than ever, so we don't see cars 10-15 years old like we used to and with unemployment down people are buying newer cars.

So let's get to the reason you're reading this, "The Best Way to Utilize Auto Insurance."  Auto insurance is getting more expensive even though, for most, never used. Let Kyle R Vowell Insurance Agency help you start using your auto insurance, making your insurance money work for you, and receive benefits for all the premium you're paying. Step one: Get towing and roadside assistance. Towing & Roadside Assistance is one coverage you can use with us that is very inexpensive and gives you three claims up to $150, without a deductible and utilized for a multitude of things. My personal favorite, locking your keys in the car. Step two: Get glass coverage, we will fix your chips & cracks for FREE, at the time of the claim! We will also replace your windshield for $100, at most, Glass coverage can be purchased for around $1 a month. Step three: Get a high deductible or as high as your comfort level will allow. Having a higher deductible will decrease your monthly premium. If you have an older car, consider dropping comprehensive & collision coverage. Then, bank all the money you save into a savings account and use it "if" you need it for your deductible or to replace your car. Step four: Ask about additional discounts. Additional discounts can come in several different forms starting with a workplace discount, a discount for having a degree, multi-policy discounts and even a multi-vehicle discount. Step five: Don't be a distracted driver. Focus on the road and the responsibility you have while driving. 

The goal with these five steps is to make your insurance work for you. By adding glass coverage and towing/roadside assistance, you are adding coverages you can use without making your insurance go up and no additional cost to you at the time of the claim, by increasing your deductible, the price will decrease, and by avoiding distracted driving, you will avoid accidents. For more tips, advice, and suggestions contact Kyle R Vowell Insurance Agency today!

WHY HOMEOWNERS INSURANCE WILL MAKE YOU QUESTION EVERYTHING

Homeowners insurance is going up year after year.  According to Insurance Information Institute, “The average homeowners insurance premiums rose by 6.0 percent in 2013, following a 5.6 percent increase in 2012, according to a February 2016 study by the National Association of Insurance Commissioners. In 2014, 5.3 percent of insured homes had a claim according to ISO.” The kicker here is the homeowner is paying a higher cost but are now getting less coverage. 

So why is this happening and why are people so mad about the rise in cost? 

Well, the cost of everything going up is the easy answer. When the cost of everything else is going up, insurance will too. I think everyone can understand that..right? Of course, they can. People may not be happy about it, but they accept it. What’s the difference between everything else and homeowners insurance? The discourse in the rise of price is due to the lack of use.  Homeowners insurance is not tangible, you can’t use it every day, but you still have to pay for it every month. This is a hard pill to swallow, made even harder when you need your homeowners policy and it doesn’t cover the claim you filed? 

There are two easy ways to resolve this dilemma. Since we live in the information age, get online.  Find out what will be and what will not be covered on your policy.  Find out why you are most likely to have a claim in your area, save up for your deductible, and save for anything likely to happen that isn’t going to be covered by your insurance. In other words, self-educate. You can save a ton of money if you self-educate and go with an online company. The way I just described is what I would suggest for the do-it-yourself, person. But beware, if you go the first route be ready to do it yourself for the remainder of your tenure with that company. Companies with lower prices have to save money somehow, and customer service is just the first way.  When a dreaded claim comes around for the do-it-yourself-er, the company won’t become a customer first company. That company is still watching their bottom line when paying out on claims to their customers.

The second way is to get a good, trustworthy insurance agent and have them advise you on your insurance. As an insurance agent, I would never suggest going the first route, but that IS a route that works better for some people. I think the value of an insurance agent, making sure, your “insurance money” works for you is priceless, and a good agent will.  There is still some self-educating that should go on here too, but much less.  Ask your friends who they would recommend or go to Yelp and search for insurance agents. Also, take the time to meet with your insurance agent and let him get to know you and your specific situation. If you don’t take the time to do this, then the results will be similar to the first suggestion I made to get insurance. The difference here is now you have a professional handling your insurance that can be held accountable IN PERSON and not a guy in a green helmet around or a green lizard making jokes. 

 

Either way, make sure to have a feasible amount of money stashed away for an unfortunate event. 

Keep in mind nothing in life is free and you get what you pay for in life. 

AND

Money is a great tool but a horrible god.

Thanks Y’all,

 

Kyle R Vowell

 

13 Reasons You Should Be Talking About Life Insurance

13 Reasons You Should Be Talking About Life Insurance

Hello, World! Today our topic is life insurance.  I started this blog by saying hello to the world, but the number one reason you should be talking about life insurance is that of “your world.”  The world that can’t go on without your help, even if you are gone. Your world is what makes your days great, and life insurance is what will make your future world great if you don’t get to take part in it.

KINDNESS IN A COMMUNITY

kind·ness

/ˈkīn(d)nəs/

noun

noun: kindness

the quality of being friendly, generous, and considerate

     After reading the definition of kindness, I'd like to explain what kindness can do in a community.  Just last week I ventured out into my local community in Redding, CA to spread some kindness. I recognized various local business owners, that were nominated by local residents, for a Kindness Certificate through a Facebook promotion. This certificate was presented by me, a local business owner and a friend in my community who also happens to be one of the kindest people I know. I really looked forward to this opportunity because I feel kindness is important in business and a community.  The response I got was even better than expected and gave me a truer understanding of kindness and how it works.

     I went into this opportunity with the expectation that I would meet a lot of kind people, but the appreciation that I received was even better!  One of the local businesses I visited are well known in the community for their kindness. They actually build their business around hiring kind people. Their reaction was EPIC! By the time we left, they were completely reinvigorated and happy to know that someone noticed. They were recharged to continue spreading their joy! The reason it was so important to me is I realized this, kindness is not something you are born with it is a choice. A choice that we can make each morning when we get out of bed, a choice we can make when someone is rude to us, or after we stub our toes (you know the feeling I'm talking about, we think our leg is gonna fall off and the world is gonna end kind of stub). This particular business, is built on kindness, and has bottled this ability. The ability, to get its employees to choose, that's right, to choose to be kind.  These employees may have been born with more kindness than me and you, but this business has been able to get them to intentionally make that choice. I'd be willing to bet my paycheck that this business owner has the same mentality as his employees. That tells me that kindness, appreciates kindness, and breeds kindness. Just think what could happen if we all chose to be kind!

     We went on to visit a doctor that was happy to step away from a busy day, invite us into his office, and accept his Kindness Certificate. Ask a drug rep how hard it is to get a minute of a doctors day. A restaurant that was reluctant to show us their manager because of the unknown that happily accepted their award, and gave us a minute of their day to say thank you.  Our last stop was around lunch where we were treated to the best Gyro I have had, in ever, by a thankful restaurateur! Just for thanking them for being kind to their patrons, a free meal! Who would have thought?

In the end if we can all make that choice it will spread rampant like a wildfire and before you know it Redding, CA will be the second sunniest city in America and the first in Kindness. Instead of being stuck on how bad our day is or how rude the server at your last restaurant was, we can spread kindness and make their day for the next customer they help.  Or we can go the other way, and send a smug look to someone who got in our way because they were in a hurry instead of opening the door they headed towards.  In the end the CHOICE is yours.

"How Beautiful a day can be when Kindness touches it"-George Elliston

 

-Kyle R Vowell

GETTING MARRIED IS HARD ENOUGH; WHAT ABOUT INSURANCE?

     I myself am getting married on November 7th to my lovely fiancé so I faced the same challenges many of you are.  Some of the questions I asked myself included:  where to get married, what to get married in, how many people to invite, and the latest question my fiancé asked was,  how tall are your groomsmen?  I thought it was a little early for that but I obliged. 

    Insurance is one of the more tricky things you may face as well as one of the things that may not even come up, if you have great parents like ours.  You are grown up now because you're getting married, so it's time to pony up and pay for your insurance too.  Start by combining your insurance so that you get the best rates for multiple cars (assuming you both have a car). Look into adding renter's insurance or bundling homeowner's insurance because of discounts. Your car insurance may be just as cheap with renters insurance as without renter's insurance.  The homeowner's bundle can save you a huge chunk of change if you own a home.  Lastly,  look into getting life insurance for both of you.  If you start your marriage with life insurance in your budget,  it will become a normal expense.  Your new spouse deserves to know you are committed to them for better or the worst!

     If you aren't comfortable with the lingo, like most people, it is important to get the advice of an insurance agent. You don't have to buy a policy from that agency.  And there is no charge for a quote. The agency can educate you and your soon to be spouse on how to protect your future properly. Their  "know how" will probably get you the best value even if it's not the best price.

 

Thanks for reading!

Kyle Vowell

Business Owners-Business Income Replacement

Business owners typically are living month to month within the first couple years from my experience.  In doing so they find themselves going out of business when small or even big unforeseen things happen. It keeps small business owners from generating income even that's for a month.  How do you see the small unforeseen things that can pop up?  Some of these can be predicted but some are so out of the ordinary they can't be predicted even by the most diligent of business owners. That's were someone with knowledge and experience in the insurance field can step in and insure that when the unexpected happens and your income stops coming in it can be replaced by with business income replacement.  I have the need to help other small  businesses as I am small business owner myself and tend to go thru the same struggles that many of my entrepreneur counter parts will eventually go thru themselves. The tricky part is making sure their policy  is taylor made, a good value, and affordable or it won't work.  That's what I would like to offer, to other entrepreneurs, free of charge.  For more information or questions comment below