Click here to read more and we can help you understand some of the complicated insurance situations.
I have also set up several helpful business links that will make you more successful! Click Here!
Don Westerfeld 11/11/2010 6:53:00 PMContinue Reading
Insurance companies will vary from county to county even zip code to zip code. So if you are moving from Orlando to Lakeland you will be happy and if you are moving from Lakeland to Orlando you might be upset with the rates.
Even if you have a child take a vehicle to college, the insurance company will want to change the garaging zip code to charge for the area the vehicle is in.
There are some new discounts that are available:
For more information contact us today.
Don Westerfeld 11/5/2010 9:16:00 AMContinue Reading
With home insurance costs rising and with changes made to the wind mitigation discounts, its important to talk with an agent that understands them.
Before you pay for an inspection you should see if you qualify for the new revised wind mitigation discounts.
Even if you save a smaller amount over the years it can really add up. Its your money so you really need to check with your agent or contact us to see if you qualify for any discounts.
Don Westerfeld 10/4/2010 8:51:00 PMContinue Reading
Life Insurance rates have been getting less expensive as mortality tables have been adjusted. If you are thinking of purchasing Life Insurance, it is best to purchase it before your birthday.
A few questions you should think about:
Looking in to the average cost for a funeral is over $12,000 dollars. No one plans to die and once you get sick a lot of times it is too late to apply for life insurance or it may be to expensive because of your health.
Lock insurance can help you navigate through these tough questions with no obligation. Click here to learn more.
Don Westerfeld 10/4/2010 9:42:00 PMContinue Reading
Most Florida insureds are unaware of several fees attached to there policy. One is the cat fund created by the state to offset the cost of hurricanes. Easy analogy is taxing someone in a low risk area to subsidize a person in a high risk area. Even if you don’t own a home you are being surcharged on almost all types of insurance, including auto insurance, property insurance, Liability insurance. This article sums it up, as Florida insured myself it really scares me. We are looking at a bad situation.
Don Westerfeld 9/23/2010 9:36:00 PMContinue Reading
Florida is number one when it comes to fraud claims. Miami has always been a hot bed for years but Tampa and then Orlando are trying to catch up. I mean they just changed the name of the Ford Ampitheater to 1-800-ASK-GARY.
It is important if you are in Florida right now to keep your insurance in place even in situations were you don’t have a car. If you are in an accident, take pictures, write down names and numbers of any witnesses. If it happens on private property the police will not show up to do a report. More information on the Blomberg report.
Don Westerfeld 8/24/2010 9:24:00 PM
When you are surfing the internet for the cheapest car insurance quotes, keep in mind a lot of the advertisements that you see are for companies that sell and share your information. We promise never to share your information with no one else unless advised by you.
There are hundreds of these companies out there and they sell them to agencies like myself that pay 5 to 20 dollars for one shared lead, which are suppose to be sold out to know more than 5 times. If you get to a local company such as ourselves we just quote you through our 7 companies in house with in minutes.
Experience the difference at Lock Insurance.
Don Westerfeld 8/11/2010 10:15:00 PMContinue Reading
Most people feel that if they put all of their insurance in one nice package then they are saving money. That however is not always the case. A cable company for instance may offer bundling as a way for you to save money if you put your cable, phone and internet together. This bundling system works for cable companies because cable companies as a whole is not a diverse market. There are only about four to five companies to choose from and in most cases, where you live dictates what cable company you will use. So any type of savings is a good one.
It is very likely that you can still find cheaper policies if you shop around. Being a smart consumer is the best way to see if you are really getting the bang for your buck. Once you’ve done the research, you may find that bundling is not always the best way to go.
However insurance is a horse of a different color. There are hundreds of insurance companies in the state of Florida, all of which specialize in different lines of insurance. Competition is high and insurance companies that give the option to bundle are at an advantage, because bundling can be a way to get added discounts. It offers the convenience of making one payment a month versus two or three and it allows you to deal with only one agent… one insurance company.
But if money is your main motivator you may want to do a little more research. Bundling does allow you to get multi-lined discounts, but you still may be able to find cheaper, separate policies through another agent or with another insurance company altogether. There are so many factors that go into determining insurance rates, so don’t get caught up on the concept of bundling. As a consumer, take the time to do your homework on the companies that you are considering. It’s your money so take an extra week to compare prices and coverage as the two go hand in hand.Continue Reading