Yes, You NEED Car Insurance


Yes, You NEED Car Insurance

Have you ever been in a car accident? I have.
Luckily, I have never been at fault, but unfortunately, I have been hit more than once by a driver that didn’t have insurance.

Imagine this scenario:
You are the first car at a complete stop at the red light of a major intersection. While listening to your favorite radio station and waiting for the light to turn green, SMASH!
You get rear-ended.
The driver behind you was busy looking at a text on his cell phone and didn’t realize he needed to actually stop his car prior to hitting you.
Once the realization of the hit and whiplash registers, you step out of your car. There is severe damage to your vehicle, yet barely a dent to his. Of course. You start the process of exchanging information, but notice that he starts to get really uncomfortable. Clearly, he doesn’t have proper car insurance. In fact, he admits that he doesn’t have any auto coverage.

Car insurance is important and necessary.
To start, it is the law. Most states require that all drivers carry minimum liability coverage. Driving without insurance means you are breaking the law and if you get caught, it can result in substantial fines, increased insurance premiums, and even a suspended license. Outside of it being the law, your vehicle is a very important part of your life. They are an expensive investment that need protecting. You would probably have a very hard time functioning without your car. Cause an accident and be at fault – it could get so expensive that you can’t afford your other bills and worst-case scenario, have to file bankruptcy. Making a small monthly payment toward your total premium now, can save you a ton of money later on. HUGE expenses can results from being in a car accident. With over 6.5 million car accidents happening every year in America alone, you need the coverage for you, the car, the passengers, and property. It provides peace of mind knowing that you are financially protected and have the assistance of an insurance agent to help you through the claim process.

Do you still need other reasons?
Your car insurance provides a level of legal protection between you and other drivers that wouldn’t hesitate to sue you for even the most ridiculous reasons.
It also offers protection from the nasty acts of Mother Nature. Hail, flood, icicles piercing your windshield, swept up by a tornado, etc.…you really want to have that coverage in case Mother Nature strikes!

YIKES! Got Car Insurance?
YIKES! Got Car Insurance?

Only Human

Things in our lives are constantly evolving, changing. It’s inevitable. There are many people who crack under the pressure and stress of change, making complicated situations even worse and slowing the growth process.

We currently have numerous opportunities afforded to us that our ancestors quite possibly couldn’t even comprehend. I think those “perks” make the wheels of change turn even faster than they once did. Life is fast-paced and hectic. We often convince ourselves that we have the strength and endurance of superhero. Certainly we can argue that we’re all superhero material in our own way, but we still have to remind ourselves that failure can and will happen. We are only human after all. Sometimes change comes in the form of a sudden event – illness, car accident or any event that can turn life upside-down in the blink of an eye. When those moments strike, we don’t want you worrying about ANYTHING other than getting back on your feet.

Take a moment and look at life insurance through a different lens. Buying life insurance doesn’t have to be stressful. We underst and the struggles of comparing life insurance companies and policies, because we’ve been there. It can be confusing and frustrating, which is why we are here for you now. We wanted to make it easy for you to feel financially protected and we have done just that. We can offer protection whether you’re old or young, sick or healthy, male or female, gay or straight, married or single.

No matter what, we’ve got you covered.

Stop Seeking Clarity – It’s Right Here


Simply defined, it is:

  1. a :  the business of insuring persons or property
  2. b :  coverage by contract whereby one party undertakes to indemnify or guarantee another against loss by a specified contingency or peril
  3. c :  the sum for which something is insured
  4. 2 :  a means of guaranteeing protection or safety <the contract is your insurance against price changes>

(Merriam-Webster, 2016)

Again, that is just the simple definition.

For some of us that is just a bill we automatically pay each month or a deduction that comes immediately out of our paychecks.  For others, it is a lifeline and security for the future.  For all of us, it is extremely important.

Sometimes it is difficult to know which policy is the right policy.

Do you have what seems like endless questions regarding insurance coverage?

You are not alone.

You are not the only person to wonder about the who, what, when, where, why, and how?

Who needs insurance?  Who do I talk to about coverage?

What are the types of insurance?  What do I need to do to get insured?  What will it take to get the coverage I need?  What are the best rates?

When do I need to get life insurance?  When will my policy become active?

Where do I find a reliable insurance broker?  Where can I compare rates?  Where is my money going?

Why is insurance so important?

How much is insurance?  How do I know I will be approved?  How long before my coverage begins?

The questions seem endless and it all can be so confusing.

However, the right insurance agent already has the answers and can take the infinite list and narrow it down to just a few simple statements.  Education is the key to choosing the right policy/policies for you and your loved ones.  The types and varieties of insurance policies are almost infinite.  They include different features, coverage, and most definitely, costs.  It takes a certain amount of research – and patience – to find the right policies.  This is not something that you can go into blindly or just haphazardly sign on the dotted line without being completely educated.  The best thing to do is NOT go at it alone.  Yes, spend the time educating yourself, but also invest in partnering with an insurance agent – that you trusts and make you feel comfortable.  This partnership can last a life time and greatly decrease the amount of confusion and stress that can surround the purchasing of various insurance policies.
A competent and successful independent insurance agent can and will provide you with clarity, information, quotes, and a policy.  Please contact us today.  We have all of your insurance needs covered.

Time to find some clarity
Time to find some clarity


Discounts Everywhere

Do you like discounts?  I know I do!  In fact, I don’t now anyone that doesn’t like to save money!  There are numerous factors that can determine the type of discounts you are eligible to receive on your car insurance.  Your gender, age, location, and driving record are the most common discounts that most of us either know about, hear about, and/or currently receive.  However, the majority of us out there have no idea how many other discounts are available – and if we don’t know about them, then we can’t ask about them, and then we can’t receive them!

You can potentially get discounts for – age, gender, location, driving record, driving training courses, multiple vehicles, policy bundling, being a good student, maintaining low mileage, having a low-risk profession, having a public service career, holding a degree in a specifc occupation, have memberships to  auto clubs, credit unions, alumni organizations ( and more), bing in the military, being a federal employee, paying your policy in full – and SO MUCH MORE.

That is nowhere near an all encompassing list of potential discounts.  Speak to your insurance agent as soon as possible and see how much money you could be saving with all these “hidden” discounts!


Do Zombies Need Insurance?

Imagine living in a place swarming with zombies—no… a world of zombies (just go with it!). Governments have fallen, CDC is at a loss, the world’s armies have been decimated, and the human race is outnumbered. The only thing that is still operational just so happens to be portions of your city and local businesses, including your insurance agent AND your life insurance policy. Crazy, right?! This means that money still is of value, but not for long. If the news reports are anything to go off of, the horde should be descending upon your home in just a few weeks’ time. You’ve managed to keep your family safe and secluded, but the little piece of utopia you’ve managed to steal won’t last forever. Your family doesn’t know this, but you’ve been bitten. You have only a couple days until you succumb to the fever and lose yourself to the monster that is inside of you, and you have yet to say your goodbyes.

However, you have a plan. Your life insurance policy is valid and can protect and assist your family in their lives during the apocalypse after you have passed. Once you die, they will receive the payout you negotiated with the company you entrusted your legacy to, and they will be able to use that money to purchase guns and ammunition, medical supplies, non-perishable food, drinking water, and various other necessities for during the great zombie war.

You’ve done your part, but you can’t help but think about how differently things would’ve gone down had you not invested in life insurance.


Millennials Need It Too

Okay Millennials – YES…you should be educated about life insurance and know when you should get it!  Facing financial decisions head-on is the only way to protect your financial future.

You may not be at a point in your life where you need life insurance.  Maybe you aren’t married and don’t have any dependents, but you should still consider other items associated with life insurance.  You need to have something to cover final expenses and burial costs and you need it if your death would leave any financial burden on someone in your life.  Don’t be that person – you know, the one that leave someone in a lurch.

You can avoid this issue by getting life insurance!  Additionally, it also covers replacement income, debts, and allows you to leave someone an inheritance.

Purchasing life insurance now will be cheaper than waiting when you get older.  You might not need a big policy at the moment, so you can purchase one that is more budget conscious.

There isn’t just one policy that fits for all millennials or for everyone.  You have to speak to an insurance agent, research you options, explore your situation, get quotes, and choose the right policy.  It takes time – which mean the “give it to me now” ideals you have as a millennial need to be squashed.  Be prepared – you will mostly likely need a medical exam as well.

Don’t be afraid – it is a big step, but a necessary one AND part of being an adult.




Don’t Be Afraid

Don’t be afraid! Getting Life Insurance is NOT scary!

Stop worrying. Just fill-out the form to get a quote.

Do Something. Doing nothing and avoiding it only causes problems.

We just need a little bit of information to get you started. We aren’t asking for a sample of your DNA or the use of your first born child. We just want to know a little bit about you so we can help YOU find the coverage and policy that best fits your needs.

We don’t ask a bunch of unnecessary questions. Topics that aren’t our business don’t apply. We aren’t nosey. Promise.

Again, we are only here to help.

Worried about being denied? Don’t be. We work hard to get you approved.

Scared about the results of a medical exam? Don’t be.

We specialize in finding policies for all unique situations. Besides, how do you know if you will be accepted if you don’t try in the first place.

We are unlike any other insurance company. To be honest, we think we are the best! We are straightforward and professional, but very friendly and personal. We underst and that no two situations are alike and treat each new client as a st and-alone case. No comparisons or judgments.

We just wanted to offer you the assistance with purchasing a life insurance policy that you haven’t experienced with another agent.

Don’t be afraid to contact us!


7 Auto Insurance Tips

1> Raising your deductible
Deductible is the amount you pay from your pocket before making an insurance claim. The disadvantage of raising your claim is when you make a claim, you will pay more. However, if you are a safe driver, you will overtime save more money by raising your insurance deductible. Look at your previous insurance claim history and make a discreet decision for yourself.

2> Older Auto – Drop comprehensive / collision coverage.
If your car is not worth much, why pay for comprehensive and collision insurance coverage. You can visit a myriad of online sites to find true worth of your car. Additionally your insurance broker might be able to pull up the true worth of your vehicle.

3> Taking advantage of low mileage
Some auto insurance companies will give discounts if you drive less than a certain number of miles or drive less than a certain distance to work.

4> Moving – Consider insurance costs.
If you are considering moving, it will be a good idea to call your insurance agent and get his opinion on the insurance costs in the new city or state.

5> Low profile vehicle
Your vehicle will also determine your overall insurance costs. Some of the cars are favorite for thieves since they fetch a good price. Some cars are more expensive to repair. It makes a lot of sense to do adequate amount of research before you make your auto purchase.

6> Make sure your vehicle is correctly listed by your insurance agent.
Many manufacturers offer somewhat similar model names for vehicles but insurance costs may vary. Additionally 2 or 4 door or the wrong model can impact your auto insurance quote.

7> Have your insurance broker check other insurance company discounts.
A lot of companies will offer discounts if you and your spouse are insured with the same insurance company. Additionally, if you seek home insurance, life insurance, auto insurance from the same insurance company, you will get some discounts. Check with your insurance agent on saving money.

If You Don’t Have It, You Need to Get It

[youtube][/youtube]Margaret Sweborg’s story is told by her step-gr anddaughter, Rindy Main, and her insurance agent because of her current condition caused by Alzheimer’s Disease. She married Rindy’s gr andfather, Wayne, and into his extended family in 1966. In his job selling business supplies, Wayne met the man later to become his insurance agent. Margaret was known for being very, organized, meticulous and active in the local community. After Wayne’s death, she purchased a long-term care insurance policy as a supplement to her coverage. Her extended family, including Rindy, continued to visit often from her home in Melrose Hill, LA. Margaret lived alone in her own home until she was discovered by a neighbor to have fallen five days earlier and broken her hip. She was taken to a nearby hospital where she was not expected to live. Despite the odds, Margaret survived but required nursing home care due to her hip and a diagnosis of Alzheimer’s disease. Rindy was able to place her in very reputable facility due to the coverage from the long-term care facility — an option that would not have been available without the policy.

Why You Should Love Karl Susman

Meet Karl. Karl is a nice guy. He’s married and has two kids. He works at least 8 hours a day and spends all of his free time with his family. For all intents and purposes, Karl is just your average guy.

But Karl also has a secret. He’s not just your ordinary guy who goes to work and comes home to his family every night. Karl, in many ways, is a superhero.

Karl is an insurance guy.


Now, before your eyes glaze over and you scoff at the idea, think about it. When your car rolls into a lake or lightning strikes your house, after 911, who do you call? Who do you depend on to help you sort it all out?

Uh huh. You call Karl or one of the other 400,000-plus insurance agents in the United States (US Bureau of Labor Statistics, 2010).

Not convinced? Here’s an example. Let’s say you fall in love with a house in Brentwood, all four bedrooms, three baths’ worth. Are you really going to write a check for 10 percent down and get a mortgage for the balance without insuring it? Of course, with a mortgage, you’re legally obligated to do as much, but this is a job for Karl. He can research the available coverages and find you the best rates that you can afford. Karl’s a pretty good guy for doing that. Now, let’s say the unthinkable happens. You’ve got friends and family over for a barbeque. A stray ember catches the wind and ignites the curtains, and before you know it, your beautiful Brentwood home is ablaze. The house isn’t destroyed, but it’s going to take more than your checking account balance to fix it. Who ya gonna call?

Karl! Karl Susman!

Getting the point?

Karl, the insurance guy is the one who has the power to take you from a bad situation and make it better.

When your policies are up for renewal, Karl finds you a better rate. You love Karl.

When your car breaks down on the 405 and the tow to your mechanic in West Los Angeles is free, you love Karl because you let him talk you into getting the tow rider.

When your nosy neighbor slips on your driveway and sues you, Karl informs you that your insurance will cover her medical bills. Again, you love Karl.

Karl is your hero. And unlike some superheroes, you don’t have to put a signal into the air. A simple phone call will do.

So, the next time you see Karl, pat him on the back and buy him a cup of coffee. And review your policies while you’re at it.