Tuesday, August 8, 2017

Choosing the Best Car Insurance For Your Teen

Do you have a teenage driver (or one on the way)?  Back to school time is a great opportunity to think about car insurance savings!

Having a teenage driver can be stressful.  You worry first and foremost about their safety and then about the costs.  And there are a lot of costs!  Things like purchasing an additional vehicle, getting licensed, and paying more for insurance.

Fortunately, you still have options.

Choose the Right Vehicle

First you want to think about the vehicle your teen will be driving.  Premiums are higher on vehicles with comprehensive and collision coverage, which pays to fix your vehicle after an accident.  When you have a car that has only liability insurance (which pays only for damage your driver does to someone else’s car), you pay a lot less.

If you are purchasing a car for your teen and need to watch your budget, consider buying an older reliable model for cash that will not require comprehensive and collision coverage.  We can help you weigh the cost and the risk to see if it is a good option for you.

Take Advantage of Discounts

You also want to take advantage of all available discounts.  These vary by policy but typically include a discount for driver's education and one for having good grades.  With school about to start, it's a great time to setup an incentive plan with your teenager to make sure they keep those grades up and your premiums low!

Questions? Call Us!

Still have questions?  Call SAV-ON at 888-867-2866 to review your current policy and look for ways to help you manage the cost of having a teenage driver.


Thursday, July 6, 2017

What To Do After An Insurance Claim

Claims can be a stressful process.  We've worked with many clients after car accidents, home fires, storm damage, and even a death in the family.  Insurance claims are tied to the most stressful events in our lives.

That's why it's extremely important that you work with an agent and a company that you trust.

After an insurance claim, you will be assigned an adjustor to evaluate your loss.  Depending on the type of claim, they will examine the property and gather more information.  The adjustor will determine the settlement amount and answer any questions you may have.

So what happens if things don't go smoothly at first?  Maybe you don't agree on the amount or can't get the right documentation?

That's where SAV-ON Insurance comes in.

Our job, as your agent, is to also be your advocate.  Our office goes to work to help you communicate with your adjustor if there is a problem.  That means that when you need help, we're there.

Yes, sometimes you can get cheaper rates with unknown companies.  And you might like being able to buy online without talking to an agent.

But when it comes down to those stressful moments, it's great to have someone you know on your side.  Call SAV-ON at 888-867-2866 today and let us protect your family next.

Thursday, May 4, 2017

Now is the Time to Insure Your Summer Fun

Summer is on its way.  Before we know it there will be Memorial Day barbecues and long weekends at the lake or along Puget Sound.

That's why now is a great time to review insurance coverage on all of your summer toys.  Read below for things to consider (and review with us) before the big items come out of winter storage.

Recreational Vehicles - Your motor home or travel trailer needs insurance coverage, especially if you'll be driving or pulling it this year.  Even if you don't have a loan on your RV, you will want it covered for theft or damage.  Whether they are parked on a lake lot for the season or driving cross country, we offer several RV policies to fit your needs.  Just call us at 888-867-2866 for a quote, or get an online quote at www.sav-on.com.

Boat - The same thing goes for your boats and jet skis.  You've made a big investment and it's important to protect them.  Not only should you worry about damage to your boat, but also make sure you have the proper amount of liability coverage.  Don’t forget to have enough life jackets and carry your Boater ID card, which is required in Washington.

Motorcycle - Ready to hit the road for a long drive?  Remember to brush up on your safety skills and always wear a helmet.  Don’t forget to make sure your motorcycle has liability coverage just like your vehicle!  We can help you determine what coverage you need. 

Swimming Pool - If you own a pool, then you need extra liability coverage including a personal Umbrella Policy.  Why?  Because there is a lot more risk of someone being injured when you have a pool.  Don’t skimp on your coverage and make sure you have the pool area secured and safe.

Summer is a lot more fun when you know that your high-priced recreational items are properly insured and protected.  Take 15 minutes to call SAV-ON Insurance Agencies for a quote or to review your current coverage.  We can be reached at 888-867-2866 or online at www.sav-on.com.

Thursday, April 6, 2017

Top 7 Things to Look for When Buying Insurance

So you’re ready to shop for insurance and are hoping for a great deal.  But did you know that there are a few things to look for that are much more important than the price of the policy?  In fact, don’t buy your next policy until you look for these seven things:

#1 - A Top Rated Insurance Company - You want an insurance company that will be around if you have a claim. Don’t choose a company that you’ve never heard of with a price that seems too good to be true!  If you aren’t familiar with the company your agent is recommending, ask for a little more information.  Find out what they are rated in your state and how long they’ve been around. SAV-ON Insurance Agencies has more than 30 insurance companies from which to choose, and they're all solid companies.

#2 - Choose a LOCAL agency!  While all the commercials on TV will tell you to call a 1-800 number for a quote, it’s usually not a great idea. SAV-ON Insurance is a local agency that provides the same great policies -- from the same companies! -- but allows you to deal with one person on a regular basis. It’s nice to have a local agent who you can call or visit when needed, who is familiar with your insurance needs!

#3 - Choose an agency that offers a variety of policies. Keeping your insurance with one agency makes it MUCH easier when you have a claim.  Plus you can qualify for huge multiple policy discounts!  SAV-ON can take care of all your needs in any one of our four nearby offices.

#4 - After-hours support - What if you have storm damage in the middle of the night?  Do you want to wait until tomorrow to get assistance?  Look for an agency that offers after-hours support! SAV-ON provides you with 24/7 claim assistance numbers.  Make sure to ask for the information, or go to www.sav-on.com for a complete listing of numbers. Then put it in your cell phone for easy retrieval should you need it.

#5 - Choose an agency that’s EASY to contact!
 You don’t want to have to chase your agent down every time you need something.  SAV-ON is available by email, text or phone while doing your shopping.

#6 - Do they offer annual reviews?  Things change, especially when it comes to insurance!  SAV-ON Insurance Agencies regularly meets with you to review your coverage and make sure you’re protected. Ask about our review procedures and how we make sure there aren’t any gaps in your protection.

#7 - Excellent customer service - When it comes down to it, this is the most important of all!  SAV-ON wants your business and strives to give you the best possible service!

We meet all of the criteria above and would love to work with your family.  Call us at 888-867-2866 today for a no-obligation quote and insurance review! Or go to http://www.sav-on.com/pages/locations-hours.html to request an appointment.


Tuesday, February 14, 2017

Insurance When You Tie the Knot



February is all about love. In fact, it is estimated that as many as 4 million people will get engaged on Valentine’s Day. Lots a lot of wedding cake!

And with all of that love and wedding planning in the air, it can be hard to think about the boring parts of a marriage.

So we want to make it easy for you. Here are a few things you need to think about in regards to your insurance policies when you tie the knot:

Combine your auto insurance policies. If you both own a vehicle, the easiest thing to do is combine your policies by adding your spouse and their vehicle to your policy. We can take care of this in just a few minutes!

Make sure you and your spouse are listed on every policy. You both need to be on the homeowners or renters insurance so you can get assistance if needed. Do all of them at the same time and you won’t have to worry about it again.

Schedule an overall review. When you combine two households you will obviously have more belongings! Speak with your agent and verify that you have enough content and liability insurance to cover any new assets.

Purchase life insurance. It’s your honeymoon and you don’t want to think about death, but now is the time to get this very important coverage in place. It doesn’t cost much and will give you peace of mind that the person you love will be taken care of in the future. It’s really the very best gift you can give to those you love.

The best part of this? It doesn’t have to be hard! In fact, one short appointment can take care of every item on the list. Give SAV-ON Insurance a call today at 888-867-2866 to schedule a review with one of our agents.

Thursday, January 19, 2017

Insurance New Year's Resolutions

2017 has arrived, and with it come resolutions and goals for a fresh start over the coming months. Don't forget to include your insurance goals in your planning this year.

If one of your resolutions for this year was to get organized, then here are some tips on how to get financially fit in 2017!  At least as far as your insurance goes...

1. Set up a meeting with us! Each year, we like to do a policy review with every client.
It's a good idea to get a yearly policy review with SAV-ON.
We look at all of your policies and update your information. Insurance needs tend to change with major life events so if you got married, had a baby, changed jobs, retired, or anything else in the last year, you probably need a review. Many times you qualify for new discounts or we can point out ways to help you save (like getting a multi-policy discount!) 

We can schedule this meeting over the phone or in the office, whichever is easier.

2. Get a life insurance quote.  For some reason, life insurance is one of those things that gets neglected.  People know deep down that they need it, but often never get around to actually purchasing any. But, the older you get the more expensive the policy becomes. Procrastination can get expensive!

Many times you can get a basic term life insurance policy for $50 a month or less.  (This depends on age and health status, so it varies for everyone.) Term life insurance, as opposed to whole life, has a specific number of years it's in force. You determine how many years you will need it. The longer the term, the less expensive it is per year.

Keep a copy of your current policies handy.
3. Organize your insurance documents.  Keep a file with a copy of your current auto, home, and life policies in one easy-to-find place.  When your renewal comes in the mail, you can throw out the old copies.  Some people also like to keep a copy of their life insurance with their attorney or in a fireproof safe.  We can always help you get a copy if you need it! 

4. Put you current auto insurance card in your glove box and throw out the six old ones that are likely crumbled up in there.  :) 

That’s it!  Take care of these items and you’re on your way to being organized and properly covered in 2017. Call SAV-ON Insurance at 888-867-2866 or visit www.sav-on.com and schedule a meeting at any of our locations. One of our friendly agents will be happy to help you sort this all out!