Archive for the ‘Insurance Discounts’ Category

10 Ways to Save Money at Home!

As a homeowner, you should constantly be looking for ways to save on bills, energy, and your Colorado insurance. While it may seem almost impossible to do so at times, that could not be any further from the truth! There are always ways to save and we have ten easy ones to share, right here!

#1: Keep your thermostat set on automatic at the same temperature. Messing with the temperature over and over will affect your bill.

#2: Nix paper and plastic purchases by using ceramic or glass dishes, cups and silverware.

#3: Insulate your attic and close off rooms that are not in use. This will save on your heating bill.

#4: Unplug any appliances around your home that are not consistently in use, such as the toaster, electric tooth brushes, etc.

#5: Keep up with your home’s maintenance to avoid any big repairs, damages or issues.

#6: Instead of cranking the heat, invest in a few space heaters to use around your home.

#7: Bundle your policies with the same Colorado insurance company. Having auto, home and life with the same company is sure to save on your premium.

#8: Only run full loads of laundry and dishes. This can help you save on water costs.

#9: Make sure you do not have “too much” coverage. Speak with an expert about having the proper coverage in place without coverage gaps.

#10: Avoid eating out during the week. Not only is it worse for your waist, but it can drain your bank account. Fill up your fridge with healthy options and cook at home.

As you can see, there are always ways to save money at home! All it takes are a few mindful choices and the proper coverage. Be sure to speak with our Colorado insurance company today about putting the proper home insurance in place!

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10 Easy Ways to Save on Coverage!

This new year brings new initiatives and savings. Are you ready to save on policies in 2012? Many Americans are unaware of the minor changes and resolutions that can easily lower their insurance premiums. Luckily, our reliable Texas insurance agency has put together a quick list for you. Here are 10 easy ways you can start saving today!

  1. Plan to quit smoking. Your premium for policies such as life and health are determined by your risks. Smoking is one of the greatest risks and those who are hooked on cigarettes will have a significantly higher premium than those who do not. Stick to this resolution for multiple savings- your premium, your wallet and your life.
  2. Vow to eat healthier. Again, it all comes down to risks. If you are obese or have health issues, your premium is guaranteed to be higher. Find a healthy diet to follow and hit the gym. Losing weight is a great resolution!
  3. Bundle your policies. You may have a few policies with one company and maybe one or two with another. Your best bet is to find one company to cover it all with. By combining and bundling your policies, you will save on your premiums.
  4. Raise your deductible. If you can afford a higher deductible, go for it. You can save up to 25% or more by doing this.
  5. Ask about discounts. There is literally a discount for everyone. If you do not ask, you will not know. Some of the many discounts include: good student, low mileage, good health, safety features, mature, military, membership, etc.
  6. Avoid duplicating coverage. Do you have medical coverage on both your auto and health insurance plan? Figure out which one you can drop without a coverage gap. Many times, Americans actually have too much coverage.
  7. Increase your safety. Additional safety and security will help lower your risks. Lower risks equal lower premiums.
  8. Avoid paying monthly. Pay your bills every six months to a year if possible. When paying monthly, you will usually be paying a small additional fee.
  9. Clean up your credit. Many insurance companies will use your credit score to determine your premium. Make sure you are paying bills on time to keep your credit score up.
  10. Shop around. Never choose the first company you see on television. In order to get the best deals, it is best to shop around.

If you are ready to start saving money this year, these tips are sure to help you accomplish that goal…on the insurance end anyways! Be sure to speak with our Texas insurance agency on how you can start saving today, we would be happy to help!

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This Year, Save Money on Your Business Insurance!

Are you ready to start saving in 2012? Let’s start with your business insurance! As your reliable Texas insurance agency, we have a few tips to offer.

Here are five ways to save on your business insurance:

#1: Choose a higher deductible. By choosing a high deductible, you may need to pay extra once an accident occurs, but your premium will be lower. Many businesses can afford the higher deductible.

#2: Take advantage of group rates. The bigger the group, the more savings! If you are a part of an organization, you can often get a group rating. Be sure to check with your local chamber of commerce!

#3: Improve safety in the workplace. Having extra safety features such as training programs and even a security system may help reduce your premium. Make sure your agent knows about these features!

#4: Reduce your coverage. Sounds weird, right? However, while your company needs coverage that does not mean that it needs EVERY single policy. Make sure you speak with your Texas insurance agency about putting the proper coverage in place without overdoing it.

#5: Consider relocation. Many times, your premium will be based on the location and area you are in. If your company is based in a high-crime or risky area, the premium will be much higher. It may be time to relocate!

There are always ways to save on your business insurance premium- you just have to do the research and make the proper changes. Good luck!

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Why Should You Bundle Your Insurance Policies?

The next time your insurance agent asks if you want to bundle your policies, answer yes! Why? Bundled policies have many perks that you may not be aware of.  Do you want to get the most from your insurance and financial services? Texas, take notes! Here are a few reasons why you should bundle your policies

#1: Save money. If you look into multiple policies with the same company, you are eligible for discounts. An insurance company will reward you if you are a loyal customer- they want to keep you around for as long as they can! Have a few cars? Have a home? Have a family and need life insurance? The more you add, the more the discounts will add up. We offer a stackable discount with life insurance, on both home and auto which can be taken advantage of for additional savings.

#2: Easy to keep track. With one company taking care of your needs, it’s easy to keep track of your bills. If you work with 4 different companies, things may start to get messy!

#3: Avoid coverage gaps. With a bundled policy, you will know exactly what you are covered from, without any gaps. The most popular bundle is usually home, auto and life insurance- the 3 most important!

At Dagley Insurance & Financial Services, we want to see you save money. Bundled policies are a sure way to get the insurance you need for a better price! Have other insurance needs? From simple policies such as health insurance to specific policies such as Texas and Colorado renters insurance and business insurance, we will have you covered! If you have not looked into a life insurance policy just yet, for example, it may be time to. September was just Life Insurance Month, and it’s an important policy for both you and your family. Ask us how you can save with a stackable life insurance discount with both your home and auto today.

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Texas Department of Insurance: Top 5 Resources

The Texas Department of Insurance is a great resource both for the consumer and the agent. Below you will find a series of the TDI’s top 5 links that will bring you to some of their favorite, and most utilized, pages—including agency Information, general TX insurance resources, the State Fire Marshal’s office and updated TX workers compensation regulations. 

 

  1. Texas Depart of Insurance – Homepage: From interactive consumer help to a comprehensive look at the Department’s major news headlines, the TDI Homepage provides a well-rounded wealth of information for both the insurance agent and the consumer.
  2. Auto Insurance Comparison: Complete your “Driver Profile” to receive sample insurance rates. This free service provided by the TDI is a great way to help ensure that Texans are doing the research necessary before settling on a TX auto insurance policy.
  3. Homeowners Insurance Comparison: Complete your “Homeowner/Condo/Renter Profile” to receive sample insurance rates. Adjust your sample rates by entering information regarding the policy limits and requirements that you want.
  4. Workers Compensation Forms Page: The TDI has provided a “Form Developer Kit” which allows stakeholders and TDI customers to access or create all of their own, customized insurance forms—from Agreement Forms, Carrier Forms and Employee Forms; the TDI has it all in one central place.
  5. State Fire Marshal – Homepage: The State Fire Marshal Homepage contains a variety of helpful resources for the consumer. Anything from Arson Investigations, Firefighter News, and all of the Fire Marshal’s Announcements can be accessed here. Stay up-to-date on fire prevention while perusing the Fire Marshal’s advice and tips.

The Texas Department of Insurance has many more excellent insurance resources, so take a few minutes to access the information that it has to offer.

While you’re at it, why not check out Texas’ leading independent agency—Dagley Insurance—for great rates and superior TX insurance coverage!

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