Monthly Archives: November 2016

3 tips to save money on your insurance!

Lets face it, everyone wants to pay less for their insurance. Insurance is an expense that you only get something out of, if something bad happens. Insurance is expensive and it’s not getting less expensive. We don’t recommend lowering your insurance by having lower coverage’s, there are better alternatives.

Here are the 3 ways to save money on your insurance without cutting coverage’s:

1. Discounts

There are a number of discounts available that you may not know you are missing out on. The occupational discount is one of them. Most carriers provide a discount if you are a doctor, nurse, police officer, firefighter, paramedic, engineer, scientist, teacher, veterinarian, dentist, pharmacist, accountant, pilot, etc… Some companies provide a discount if you are a business owner, if you can provide a copy of your business license or a copy of your business insurance you may qualify for a discount. College degree, if you can provide a copy of your diploma you may qualify for a discount.

There are a number of discounts available and it will depend on what your insurance company has to offer. For example, Nationwide Insurance has a “SmartRide” program. If you opt in for the SmartRide program you get a discount. Nationwide sends you a small device that plugs into your vehicle and tracks your mileage for three months. After three months they send you a package to mail the device back. The multiple the mileage by 4 (3 months X 4 = 12 months) and determine your annual mileage. This locks in that mileage for the life of the vehicle. Not only do they offer a 5% discount just for opting into the program but depending on your mileage you may qualify for an even larger discount. Plus, you don’t have to have to worry about providing annual mileage again or having your miles increased on renewal. Your best bet is to get in touch with an awesome insurance advisor that can use their expertise to get you all of the discounts you deserve.

It will vary with each insurance company but most of the companies that insureCAL is partnered with offer all of these discounts. However, most companies have a maximum on discounts. I.e., if you qualify for the doctor, college graduate, and business owner discount you aren’t going to receive three discounts. Wouldn’t that be nice though!

2. Packaging

One of the largest discounts available is the “Multi-Policy Discount“. One of our insurance companies offers a 25% discount on the home insurance policy and a 20% discount on the auto insurance policy when they are both insured through them. On average that could save a family $500-1000/year or more… Those are huge savings!!!

There are some cases that you may have separate insurance companies but 90% of the time it is always best if all of your insurance is with one company.

3. Drive Less

The biggest rating factor on auto insurance is annual mileage. If you can cut back how many miles you drive, you can lower your reported annual mileage, which will in turn lower your insurance premium. Whether you have a long commute (more than 50 miles) or a short commute (less than 50 miles) carpooling may be one option to help cut back those miles.

These are just a few tips, there may be a number of other options not covered in this post. As always, the best tip we can offer is to partner with an insurance advisor that cares about you and has your best interests in mind. If all else fails, get in touch with us as we’d love to help.

How I Got Free Chipotle Catering For My Clients

by Dylan Delhart, Insurance Advisor @ insureCAL Insurance Agency

I LOVE CHIPOTLE! I mean who doesn’t. As crazy as it sounds I probably talk about Chipotle every single day. This summer they finally started a rewards program! It was the summer of Chiptopia rewards, and as soon as I heard about it I was ecstatic. The program ran from June to August and the rules were simple. Eat 4 burritos in a month and you get a 5th for free, make it to 8 burritos and your 9th was free, and if you could eat 11 burritos in 1 month they would give you a 3rd free burrito! It didn’t stop there, if you could eat 4 burritos a month for all 3 months of the promotion, they would give you another free burrito. If you could eat 8 burritos a month for all 3 months you would receive $20 in Chipotle merchandise. But the grand prize was greatest of all, if you could eat 11 burritos a month all 3 months you would get free catering! (a $270 value)

I wasn’t sure if I would be able to keep up, I would have to eat Chipotle at least 3 times a week. 4 days into the promotion I had already gone 3 times and earned my first free burrito! After about 20 visits to Chipotle I started to realize this was going to be easier than I thought. I was reaching my 11 burritos a month with many days left to spare. At that point I knew I was going to get the catering I just wasn’t sure how I was going to use it, until one day I was talking to one of my new clients about the rewards. She was an avid Chipotler like me, and wanted to be included in the catering. (I mean who wouldn’t) That’s when I decided I would invite all of my clients to a lunch at our office catered by Chipotle.

It was the best lunch ever! Chipotle gives you everything you need to set up your own private Chipotle restaurant! It was so popular with my clients we’re thinking about doing it every year! So all of you Chipotler’s out there give me a call! Let’s get your family covered properly and then let’s eat some Chipotle!