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Happy Holiday Hours 2020

Christmas is almost here.
We will be closed on Dec. 24th & 25th.

Thank you for trusting us to protect you and your stuff for another year. We’ll keep giving! (At the end of the video, don’t miss our Christmas photo from last year, because social distance, you know.)

Happy Holidays!

Give us a call on Monday morning @ (806) 798-7800 , or M-F 8:30am-5pm.

#getbettertogether #freeautoquote
#hettlerinsurancedotcom #shoplocal

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Homeowner’s Insurance: 7 Great Tips To Save Money

Homeowner’s insurance is a necessity, for all property owners. For instance, it might not be required by law, but if you borrow money to buy a home, your mortgage lender will most usually require you to have homeowner’s insurance. This helps to protect their investment and yours.

If your home loan is completely paid off, it’s still smart to continue homeowner’s insurance. You want to protect your investment. But, paid off or not paid off, you still don’t want to overpay for the coverage on your homeowners insurance, right?

Here are 7 tips to help you keep your rates low:

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How to Lower Your Medical Bills Using Frugal Living Tips

Are your health care and health insurance costs rising? These days, more and more people are trying to lower their medical spending. Consumer Reports say that only about 31% of Americans try to negotiate their medical bill prices. However, those reports also tell us that those who do try to negotiate usually succeed in saving significant money. If you’re ready to negotiate and save money, then look at the tips below.

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Reduce Health Care Expenses: 7 Frugal Living Tips, Plus One

Do you want to save money? It’s possible to save $500 or more per month.

But, how do you make it work?

For several years, health care expenses have been on the rise. For nearly every household, healthcare costs continue to be a major expense. The expense for the care itself continues to increase, and, naturally, insurance costs tend to rise also. Discovering ways to lower these costs can be well worth your time.

Here are several tips and tactics that could reduce your health care costs:

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Should College Students Buy Renters Insurance?

After the cost of tuition and books, a lot of college students may not be so eager to spend even more money to buy renters’ insurance. This might, usually, be a mistake.

For a student living on-campus, they’re not probably worried about renters insurance. That is if their parents’ homeowner’s policy will cover any loss or damage to personal items. But, verify if the parents’ policy does include “off-premises coverage”. It’s not guaranteed.

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What You Don’t Know About Veterans Day

Let’s get the confusion out of the way. Veterans Day commemorates ALL veterans, alive or not. (Memorial day is the holiday that is reserved for those who gave their lives during service to our country.)

See history lesson further down. Now, on to the current stuff.
Veterans Day 2020 theme: “Vision: Veterans in Focus.” Looking at centuries of Veterans’ service and sacrifice, maintaining the vision for the future of Veterans.

Firstly, here are some links to benefits from some thoughtful businesses that have chosen to honor us veterans with Veterans Day free meals & discounts:
https://www.military.com/veterans-day/restaurants-veterans-day-military-discounts.html
https://militarybenefits.info/veterans-day-discounts-sales-deals-free-meals/

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Top 10 Ways to Save Money On Auto Insurance

Money-Saving Strategies to Lower Auto Insurance Costs.
When you’re looking for ways to reduce expenses, consider the money you spend on car insurance. Reduce what you pay to insure your vehicle with these strategies.

Of course, everyone knows that you are legally required to carry insurance for your vehicle. But, you don’t have to overpay for that coverage. Look for an affordable option for your monthly insurance premium. Your insurance carrier charges a recurring expense that will impact your budget, so it’s important.

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Fast Track Guide for Obtaining Healthcare Coverage

Who needs health insurance? The fact is: health insurance makes healthcare more accessible and affordable. Yes, this includes preventive services like regular check-ups with your doctor and health screenings.
(By the way, Open Enrollment for health insurance is Nov. 1st – Dec. 15th)

For example, in 2019, only one-third of the U.S population’s uninsured citizens set up a preventive service visit with a doctor. In contrast, during that same year, 74% of adults with health insurance got in to see their doctor for a preventive visit.

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How To Prepare Before Buying Homeowners’ Insurance

Do your homework before getting homeowners’ insurance.

Use this list and consult your independent insurance agent so they can do some comparison shopping for your home insurance. After you look over all the facts related to your dwelling, you and your agent will be prepared and ready to get the best deal on your homeowners’ insurance policy.

How much you know about each of the following subjects will influence your choices when buying your homeowners’ insurance policy.

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When to Check Auto Insurance Rates

When’s the last time you gave more than a second thought to your car or truck insurance? Did you know that there’s no harm in changing insurance carriers often? Actually, it can be a very good thing. Keep reading to see why!

Do you think about your auto insurance rates very often? Like many, you probably only consider your rates when it comes time to renew. You may be surprised to learn that auto insurance companies periodically raise insurance rates across the board.

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Company Information

Hettler Insurance Agency
Ron Hettler

4432 S Loop 289
Lubbock, TX 79414

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