Low deductibles are great when the claim occurs but rarely are they the best long term decision. O.K. Let’s start this discussion with a trip to Las Vegas. Odds are, if you are reading this, you don’t live in Vegas so a trip is within the sphere of imagination for you. See this decision is all about odds. […more]
You’ve just signed for that business loan and you’re ready to get the doors open just as soon as possible. The banker shakes your hand and says “Have your insurance agent add the bank onto your insurance policy”. You say, “I’ll get that done” while thinking…I need to get an insurance policy going soon. […more]
In the fall of 2009 I was called to send a life insurance proposal to my client on her husband. She had asked for a couple of different amounts and was wondering what the cost would be for permanent coverage and term insurance. […more]
So I was at the Lubbock, Texas Parade of Homes last week and saw a friend that said he wanted to call me about his home and auto insurance. He called me that following Monday and a couple of days later, Hettler Insurance wrote his auto insurance policy. I didn’t know what he was paying through his long time agent, but I did know that [...more]
Most auto insurance buyers understand that Uninsured Motorists coverage covers them when they are hit by someone who doesn’t have insurance and the buyer wasn’t at fault in the accident. But Uninsured Motorists Coverage has some interesting twists that may provide coverage just when you need it. […more]
We get calls all the time from families wanting us to shop their auto insurance. We put all the information into the rating program and get quotes back from up to 8 companies. But many times the substantial savings that we show the customer is “eaten up” by the loss of a multi-policy discount on their home insurance. […more]
So you’re tired of hearing the commercials that brag that you could save “16% or more on your car insurance” or that the average driver that switched saves $350 per year by switching to….” It’s hard to figure out the methods to buy auto insurance but let me go through the options. […more]
Over and over again for the past 30 years, I have heard the complaint that the amount of coverage on my home on my homeowner’s insurance policy is way more than the home’s market value. Sometimes you insure even a newly constructed home for more than what you just paid! A seemingly excess amount of coverage is a valid concern because it seems a bit unethical to insure your home for [...more]
Buying higher auto liability limits is seldom important…until it is. […more]
When calling about health insurance, seriously consider all the options. It’s nice to have copayments for doctor’s visits and drugs, but it’s almost always an expensive option. Consider this scenario for a single woman in her late 40’s in Lubbock, TX. […more]
A Lubbock business owner called last week to switch both his business and personal policies to Hettler Insurance from a one company agent. We were able to save him over $600 per year utilizing three of our carriers. […more]
On July 9th, 2011, Hartford Insurance has announced they will begin offering a new home protection product. This new policy will have the option of covering mechanical systems such as air conditioners and refrigerators for mechanical breakdown. (Refer to policy for complete details.) […more]
Ronald Hettler, CIC of Hettler Insurance Agency in Lubbock, TX announces the launch of their newly designed website serving insurance buyers throughout Texas. On their site, you may quote and/or purchase auto insurance, home insurance, renters insurance, and health insurance. Hettler Insurance Agency is an independent agency represents dozens of carriers including Travelers, Progressive, Safeco, Hartford, and Blue Cross Blue Shield of Texas. For more information visit: www.hettlerinsurance.com or [...more]
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