Twenty years ago, insurers could never have predicted today’s landscape. The rise of the internet, adoption of electric cars and the prospect of more and more data are becoming a reality. How will changes under the hood and technology affect auto insurance in the future?
A quarter-century is a long time in the insurance world. Ron Hettler, owner of Hettler Insurance Agency in Lubbock, has weathered many changes.
“What is most remarkable is a realization that we’ve insured individuals born in three different centuries,” Hettler said. “Generations of families and businesses have counted on HIA. It’s what keeps us motivated for the future.”
As the company celebrates 25 years in business, Mr. Hettler is both proud and grateful that his family and staff, have been able to consistently serve their community.
No one, not Congress, the president or even your insurance agent knows definitively what will happen to health insurance. However, this much we know, the Affordable Care Act was not repealed for 2018. After several attempts, it is still the law, although it has changed significantly.
What happens next? How will open enrollment affect Texans and Lubbock residents? What does a death spiral of the health insurance marketplace look like? These are all questions we hope to answer in a moment of severe uncertainty in America.
Tesla is famous for cool innovations. So it makes sense that if any automaker could pre-sell 400,000 cars based on a prototype, it would be Tesla. Early adopters eagerly await their new electric luxury sedans, which are due to start shipping in October. But what about insurance? Rates are based on pesky facts like how likely cars are to cause damage and how expensive they are to repair. In the absence of crash data, insurers are guesstimating what to charge to protect the new Tesla Model 3.
Lubbock, TX has a lot to offer to both individuals and companies. For 2017, the population is expected to increase 6.1% and it looks like Lubbock will only continue to get larger. Our strong economy and job market outpace many other areas of the U.S.
This article has been updated for 2017, as there is always something new happening in Lubbock!
Big city, small city, hamlet, village – just what is Lubbock, TX? We’ve been in the news more frequently, although for the strangest reasons. In recent years, Lubbock has been described by multiple studies as: “most boring city”, “best commute in the US”, “best city for 35 and under”, and “best city for new college grads in 2017“. We wonder what recognition Lubbock will earn in the future?
Although Lubbock is defined by the Census as a large city (more than 50,000), it didn’t reach record growth. Instead, the Census revealed Lubbock reached a new milestone. Officially, it broke 250,000 full time residents and Lubbock County reached 300,000+ residents.
It’s just a little crack. You can still see through 99.99 percent of your windshield, so what’s the harm?
Plenty. Those cracks and chips in your windshield can spread unpredictably and harm the integrity of the entire windshield.
All jobs have occupational hazards – even office workers get paper cuts or, more often these days, carpal tunnel syndrome. But some occupations are riskier than others, rodeo clowns? You bet. And those risks are reflected in insurance policies. Disability and life insurance policies are especially affected by dangerous jobs.
Most people have heard of the tiny house trend. But just how tiny are these homes? There’s no official definition, but most people consider a house less than 400 square feet as tiny. The average tiny house is only 186 square feet. This includes the living area, bathroom, kitchen and sleeping loft. Compare this to the average American house, which is currently 2,600 square feet, according to The Tiny Life. Tiny houses can be mobile, or set on permanent foundations.
The Future of Auto Insurance
Hettler Insurance Agency, Inc. Celebrates 25 Years in Lubbock
Open Enrollment 2018 and the Future of Health Insurance
Hettler Insurance Agency
Ron Hettler
4432 S Loop 289
Lubbock, TX 79414