Monday, August 24, 2015

AND SO IT BEGINS ...INSURANCES.. CHOPPING of the BUDGET and LIFESTYLE CHOICES

INSURANCE:    

I have had the SAME insurance company (well known) for 34 years.  I have always had a "great rate" and "great customer service" for my home owners and my car.   In the past I have compared my rates with other companies (Progressive, Geico etc) that promise the "BEST RATE" and incentives for "Good" driving records etc.   I was always told that I had a great rate that they either "could not beat" or was such a small difference that I was not convinced to change my company with my agents that I had for so long.

This changed .....EFFECTIVE TODAY!........




I contacted "ASHLEY"  by a recommendation of another person who saved drastically.   I immediately told her that I doubted very much that she could help me but I was told "you never know" and being the person that I am ..... I gave it a shot and I am so happy that I did! here is her information as I know you will also want to give her a call and just "see" if she can help you as much or more than she was able to help me......


Ashley Painter
Agency Owner
Central Virginia Insurance Group, LLC
13818 Village Mill Drive
Suite D
Midlothian, Va. 23114




The BEST thing about her and her being my agent (besides her tenacity and friendliness)  is that she is connected with many companies and is not just looking at one but many options and which options best suiting me!  here are my personal results:


PREVIOUS COMPANY:       $329.77 (every 6 mo.) = $659.54 annually  FULL COVERAGE with my driving record and vehicle.....

NEW PRICE     $391 annually  with MORE COVERAGE than I had....


                Total Auto savings annually = $268.54

PREVIOUS COMPANY - $828 annually
NEW COMPANY - $405  for the SAME COVERAGE (REPLACEMENT VALUE)  and SAME DEDUCTABLE
                Total Home Savings annually = $423



BOTH AUTO AND HOME SAVINGS ANNUALLY (for Anjie) = $691.54 it's almost like I will be getting my CAR INSURED FOR FREE.....   

BOTH AUTO AND HOME PAYMENT / COST"    $796   
previous cost $1487   YES THIS IS WORTH THE SWITCH....

I don't have my home owner insurance rolled into a payment like many people do , so it is quite EVIDENT to me ... the price I am paying .... don't "ignore" these savings if they are rolled into your payment... you can get a discount for having your home / car with same company!

Now..... I am paying for this with a CREDIT CARD ....which will also earn points towards other savings in other areas, which will only be beneficial if I pay this off immediately.... so this expense must be "planned for" and "banked" ahead of time in my monthly planning...



I am moving to a company that is NOT a fly by night company but one with a good reputation and good record with its customers and the BBB.  It has been around for many years.   

So with the above being said it is WELL WORTH my moving ...so I checked my BF's truck & driving record to see if he too could save money with using Ashley as his agent....
SCORE!   he was ALSO able to change from a lesser known company to a better known company with more coverage for less money , his savings for his vehicle was quoted as $126!   He had liability only or could add comprehensive for $158.  He is opting to INCREASE his coverage and payment.... instead of savings as he works in a business in which the comprehensive just makes so much sense to have for about $14 per month.

Not everyone has the SAME situation or same opportunities for savings but YA NEVER KNOW ...unless you make that call....for me...it was WELL WORTH IT!  

Thank you Ashley,  for personalizing my situation and coming up with the RIGHT SOLUTION for my high insurance cost(s)




its the LAW in VA that you need to carry insurance on your vehicles.... these are the minimum requirements:


To purchase license plates or decals, you must certify that the vehicle is covered by the minimum insurance requirements or pay the uninsured motor vehicle fee. Insurance requirements also apply to antique motor vehicles. Your insurance carrier must be authorized to conduct business in Virginia.
Virginia requires the following minimum coverage:
  • Bodily injury/death of one person $25,000
  • Bodily injury/death of two or more persons $50,000
  • Property damage $20,000
Insurance companies may factor in their policy premium the driving record of any individual of driving age that resides within an insured's household. If you have any questions regarding the potential impact a newly licensed driver may have on your policy, you may wish to contact your insurance agent.
The $500 Uninsured Motor Vehicle (UMV) fee, which is paid to the Department of Motor Vehicles (DMV), does not provide any insurance; it only allows you to drive an uninsured vehicle at your own risk. It expires with your registration and must be paid at renewal.
Note: Severe penalties are imposed for not complying with insurance requirements. If liability insurance coverage on a vehicle terminates or cancels during the registration period, you must reinsure the vehicle, pay the uninsured motor vehicle fee, temporarily deactivate your license plates, or surrender the license plates to DMV.
Self-insurance or Surety Bonds are special options for owners of business vehicles. Details are available at any DMV office.

Penalties

Vehicle owners who are uninsured or have not paid the UMV fee will have their driving and vehicle registration privileges suspended. To be reinstated, they must pay a $500 statutory fee, file a Financial Responsibility Insurance Certificate (SR-22) with DMV for three years, and pay a reinstatement fee, if applicable.