Darwinian Insurance Underwriting = Extinct Dog Breeds?
Some dog breeds would become extinct if insurance company underwriters had their druthers. (I love that word.) Here’s why: […more]
Save Money on Car Insurance While Taking Less Risk
Why do you buy Auto Insurance? “I have to” may be your response and that is so true. Most states require auto liability insurance and almost all lenders require collision and other than collision coverage (the so-called “Full Coverage” option) on your car insurance. So, “I have to” is a great reason but there is an even better reason…. […more]
Does Your Auto Insurance Cover Hitting a Parked Car?
A few years ago a client (Mike) came in and told me that his parked car was hit in our local shopping mall’s parking lot by another car. I told him that he had elected to purchase only liablity on his vehicles. He told me that wasn’t a problem because the other party had auto insurance on her car. In fact, she (Linda) had coverage through our agency as well! [...more]
How much life insurance should we buy?
The down and dirty answer to this question is almost always….MORE. I’ve never met a widow or widower that said that their spouse had wasted money on life insurance. I HAVE dealt with survivors scrambling to put enough money together just to get the deceased into the ground! […more]
Jewelry is Special
Are you a sparkler? You know, a bauble bearer? Some people really enjoy wearing jewelry and for others, its not a big deal and thats the secret to why insurance companies require that you take special steps if you happen to be the bauble-bling queen or king. […more]
Contractor’s Insurance
Hettler Insurance is excited to announce that in August, 3 contracting companies with total sales approximating $7,000,000 were added to their client list. […more]
Child only Health Insurance
If anyone needs to get a child only health insurance policy (in TX), there’s a program through Blue Cross that has a one time per year open enrollment period. The deadline is September 15th to enroll. No agents are involved. […more]
Strange But True Auto Insurance Claim
My first year in the insurance business was notable for a number of reasons but this claim has been among the strangest that I have ever experienced. It seems that our customer was taking a shotgun out of his pickup truck and dropped the gun. Either while attempting to catch the gun or upon the gun’s collision with the pavement, the shotgun discharged shooting pellets [...more]
Which Deductible Should I Buy?
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]
Protect your business’ pocketbook
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]
Life Insurance – Buy it now…for your loved one’s sake!
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]
New Client’s Home and Auto Insurance savings are $1,300 HUGE!
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]
Uninsured Motorists covers MORE than you think
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]
Should you shop your Auto Insurance and Home Insurance coverage together?
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]
The Best Way to purchase Auto Insurance
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]