How much coverage do I need on my house? What deductible should I have? Answers to these questions and more. JUST CLICK THE -READ THIS FIRST!
Getting the most for your insurance dollar starts with getting the best quote you can. There's few things in life more (seemingly) complicated than shopping for coverage like Homeowners Insurance.
Let me offer you a comprehensive view of all of these questions. Take a look at my blog post at THE SAN DIEGO INSURANCE BLOG :
and
There you'll find all the answers to these questions and more.
Once you've decided how to best configure your coverage, then make a few calls. Ask some friends who their insurance company is and how do they like it. Ask if they've had any claim experience there. Be sure that when you call, get the same coverages for each quote. If they want to quote you some different limits and deductibles, that's great, but make sure you have the one configuration that you started with. That way it makes it easy for you to compare prices and companies.
Remember it's NOT just about the price. There's convenience of use and claim service to consider. Do you want a local office or are you happy with a 1-800 number in some far off state? Lots of questions to answer. Just be organized and think through what you want. WRITE IT DOWN and keep track of the answers and prices you get.
Alsoo keep in mind, the ease and convenience which gets you the quote is probably an indicator of how other things like car changes and claims might go in the future.
Feel free to call me if you have any questions.... GOOD LUCK!
It's a Good Life !
Dennis Volz Insurance Agency
10783 Jamacha Bl, Suite 1, Spring Valley, CA 91978
OFFICE: (619) 670-1000 - FAX: (619) 670-1121 - Cell (619) 339-1339
Email: Dennis@DennisVolzInsurance.com
Websites: Company Site: DennisVolzInsurance.com
Spring Valley Auto Insurance Quote, Renters Insurance Quote, Homeowners Insurance Quote
My 'Other Blogs'
Serving San Diego, El Cajon, Spring Valley, Lakeside, Jamul, Santee, Oceanside, Carlsbad, Encinitas, Del Mar, Pacific Beach, Ocean Beach, La Jolla, North Park, Kennsington, East County, Fallbrook, Los Angeles and San Francisco.
Getting the most for your insurance dollar starts with getting the best quote you can. There's few things in life more (seemingly) complicated than shopping for coverage like Homeowners Insurance.
Let me offer you a comprehensive view of all of these questions. Take a look at my blog post at THE SAN DIEGO INSURANCE BLOG :
and
There you'll find all the answers to these questions and more.
Once you've decided how to best configure your coverage, then make a few calls. Ask some friends who their insurance company is and how do they like it. Ask if they've had any claim experience there. Be sure that when you call, get the same coverages for each quote. If they want to quote you some different limits and deductibles, that's great, but make sure you have the one configuration that you started with. That way it makes it easy for you to compare prices and companies.
Remember it's NOT just about the price. There's convenience of use and claim service to consider. Do you want a local office or are you happy with a 1-800 number in some far off state? Lots of questions to answer. Just be organized and think through what you want. WRITE IT DOWN and keep track of the answers and prices you get.
Alsoo keep in mind, the ease and convenience which gets you the quote is probably an indicator of how other things like car changes and claims might go in the future.
Feel free to call me if you have any questions.... GOOD LUCK!
It's a Good Life !
Dennis Volz Insurance Agency
10783 Jamacha Bl, Suite 1, Spring Valley, CA 91978
OFFICE: (619) 670-1000 - FAX: (619) 670-1121 - Cell (619) 339-1339
Email: Dennis@DennisVolzInsurance.com
Websites: Company Site: DennisVolzInsurance.com
Spring Valley Auto Insurance Quote, Renters Insurance Quote, Homeowners Insurance Quote
My 'Other Blogs'
Serving San Diego, El Cajon, Spring Valley, Lakeside, Jamul, Santee, Oceanside, Carlsbad, Encinitas, Del Mar, Pacific Beach, Ocean Beach, La Jolla, North Park, Kennsington, East County, Fallbrook, Los Angeles and San Francisco.
Getting the most for your insurance dollar starts with getting the best quote you can. There's few things in life more (seemingly) complicated than shopping for coverage like Renters Insurance.
Let me offer you a comprehensive view of all of these questions. Take a look at my blog post at THE SAN DIEGO INSURANCE BLOG :
There you'll find all the answers to these questions and more.
Once you've decided how to best configure your coverage, then make a few calls. Ask some friends who their insurance company is and how do they like it. Ask if they've had any claim experience there. Be sure that when you call, get the same coverages for each quote. If they want to quote you some different limits and deductibles, that's great, but make sure you have the one configuration that you started with. That way it makes it easy for you to compare prices and companies.
Remember it's NOT just about the price. There's convenience of use and claim service to consider. Do you want a local office or are you happy with a 1-800 number in some far off state? Lots of questions to answer. Just be organized and think through what you want. WRITE IT DOWN and keep track of the answers and prices you get.
Alsoo keep in mind, the ease and convenience which gets you the quote is probably an indicator of how other things like car changes and claims might go in the future.
Feel free to call me if you have any questions.... GOOD LUCK!
It's a Good Life !
Dennis Volz Insurance Agency
10783 Jamacha Bl, Suite 1, Spring Valley, CA 91978
OFFICE: (619) 670-1000 - FAX: (619) 670-1121 - Cell (619) 339-1339
Email: Dennis@DennisVolzInsurance.com
Websites: Company Site: DennisVolzInsurance.com
Spring Valley Auto Insurance Quote, Renters Insurance Quote, Homeowners Insurance Quote
My 'Other Blogs'
Serving San Diego, El Cajon, Spring Valley, Lakeside, Jamul, Santee, Oceanside, Carlsbad, Encinitas, Del Mar, Pacific Beach, Ocean Beach, La Jolla, North Park, Kennsington, East County, Fallbrook, Los Angeles and San Francisco.
NEW HANDS-FREE CELL PHONE LAW IS EFFECTIVE 7/1/08.
California finally catches up to what's safe and realistic by enforcing a requirement to use cell phones while operating a motor vehicle with either a wireless or "wired" ear piece. Soon we'll all look like Spock and Lieutenant Uhura from Star Trek with those funny "listening devices" protruding from our ears.
You can check out the Official FAQ's at the California Department of Motor Vehicles website, but here's my personal spin.
There will be no grace period. That sounds like really bad news, but it doesn't count as a "real ticket" and the fine for the first offense is only $20.
If you're under 18, you can't talk on the phone AT ALL while driving. This includes talking AND texting. HOORAY! (interestingly, the law doesn't specifically address texting by over 18 operators.
Speaker option is OK. Push to talk is NOT. I guess HANDS FREE means just that.
Calling 911 in an emergency situation is an exception. Makes sense to me.
Good luck. I think this is a law that's LONG OVERDUE and should be enacted in all states. The ONLY accident I've been involved in my last 25 of driving was when I was rearended while stopped at a light when a young girl was REACHING FOR HER CELL PHONE and took here eyes off the road.
It's a Good Life !
Dennis Volz Insurance Agency
10783 Jamacha Bl, Suite 1, Spring Valley, CA 91978
OFFICE: (619) 670-1000 - FAX: (619) 670-1121 - Cell (619) 339-1339
Email: Dennis@DennisVolzInsurance.com
Websites: Company Site: DennisVolzInsurance.com
Spring Valley Auto Insurance Quote, Renters Insurance Quote, Homeowners Insurance Quote
My 'Other Blogs'
Face it. Paint fades over time. Your car sits out in he sun and gets weather-beaten by rain, snow, etc. After a few years, the paint looks OK, but you can tell that the paint isn't like it was when the car was brand new.
Then.... you have a little fender bender and your left front fender is crunched. Damage isn't all that bad, but you need a new headlight and some paint when it's all done.
Doesn't matter how good the body shop is at matching the color. Actually most of it is completely computer driven and there's specific formulas for a given year and make of the car. The body shop can match the paint spot-on PERFECT. That's NOT your problem though.
The new paint is new and the rest of the paint is not. While it will match perfectly to the color it won't look the same and you want to paint the rest of the car. You think the insurance company should pay for that.
THEY WON'T. (usually)
Matching paint is not their concern. It's been round and round in the courts and it's just not a case you're going win. There could be an exception if you're dealing with the insurance company of the AT-FAULT driver who hit your car. I'll talk abou that next.
Sadly the case is that the insurance company is NOT obgligated to match the paint on the rest of the car. You might get an adjoining door painted or a little "blending" of some kind, but if you want the paint matched by painting the whole car, you'll have to pay for the DIFFERENCE yourself.
Take heart though! This is an OPPORTUNITY!
You might be able to strike some kind of deal with the body shop to paint the whole car. Remember most of the cost of painting is to set up the job -- Masking; mixing the paint, booth time, drying time, etc. That's all the same if they paint a fender or the whole car.
Make a deal with the body shop OUTSIDE of the insurance deal to paint the rest of the car. You'll get a better price and you can ethically let the insurance pay for all that set up on THEIR nickle.
If you were hit by someone else and are dealing with THEIR insurance company, you might be able to get some consideration for the non-matching paint. NOT MUCH, mind you, but something. This won't work if the accident was your fault because your car is being repaired under the collision portion of your policy and there's no provision for a liability-type payment (which this is) in that portion of the policy and the adjuster (even if they want to) CAN'T pay for that for you.
Before you go after this, be sure you get into the head of the adjuster and know WHAT THEY NEED to write you that check by reading: They're NOT offering me enough for my vehicle. You'll need to document the reduced value of your car because of the non-matching paint. It may only be worth a few hundred dollars, but it might be worth your time. Talk to some used car lots or people who sell cars a lot and you'll get some ideas. You'll need to get something in writing so you might want to be willing to type something up on their stationery and return to get their signature. Ask them what to say and you'll be on your way.
Remember the claim settlement gig is a process. Take your time and help the adjuster document their file and you'll get a better settlement.
GOOD LUCK!
It's a Good Life !
Dennis Volz Insurance Agency
10783 Jamacha Bl, Suite 1, Spring Valley, CA 91978
OFFICE: (619) 670-1000 - FAX: (619) 670-1121 - Cell (619) 339-1339
Email: Dennis@DennisVolzInsurance.com
Websites: Company Site: DennisVolzInsurance.com
Spring Valley Auto Insurance Quote, Renters Insurance Quote, Homeowners Insurance Quote
My 'Other Blogs'
Helping people generate leads on the internet.
We're a 30+ year insurance agency serving the greater San Diego County area. We provide world class service to our customers and comprehensive insurance coverage.
Visit my Agency Web Site...at www.DennisVolzInsurance.com
I've been in the insurance business for over 30 years. I absolutely love what I do and couldn't imagine any other kind of profession...(well, maybe zillionaire actor or a famous musician, but other than that)....I'm happy doing what I do.
We strive to be the "small-town", personable insurance agency backed by a major, nationwide insurance company.
Our mission is to enable our policyholders to effectively manage the risks of everyday life, help them recover from the unexpected when it happens and to realize their dreams through conservative, conscious, methodical investment opportunities.
The Dennis Volz Agency specializes in custom-packaging insurance needs. By packaging needs together, we are able to offer great discounts as well as convenience for our clients. Many of our clients for example choose to combine their Home, Auto, & Life insurance into one easy monthly payment.
Another specialty of the Dennis Volz Agency is servicing the Real Estate and Mortgage Industry. We offer real estate agents and mortgages brokers the opportunity to align themselves with the nation's largest home insurance company. Our company insures 1 out of 5 homes in the United States! As a local office, we can work closely with clients, whether it be in the evening, weekend, in person, or online. One phone call to our office and you will know why we are one of San Diego's fastest growing Insurance Agencies.
We love to work with first-time home buyers and renters who are on their way to homeownership. We encourage all our clients to have a regular savings plan and written budgets to help them acheive their dreams.
We also help families manage the hazards and blessings of raising a family with excellent coverage for youthful drivers and offering to counsel them on the habits of safe driving along the way.
Finally, we love to protect the most important asset, the bread winners in the household with cost-effective, comprehensive life insurance protection.
Graduated from San Diego State University in 1974. (yes it was in existence then...:) ) After that I spent 3-1/2 years in the United States Marine Corps as a Supply Officer (right choice for me..."We Stay in the Rear with the Gear")
Married to one lovely lady for almost 35 years now. Three amazing children all twenty something. One grandson, 2 dogs.
Did some stunt flying in my younger years for fun. Had a blast doing that. Once our first child was born, thought it best to knock that crazy stuff off. Had lots of fun growing up in the 60's. Saw concerts by Joe Cocker, The Temptations, Martha Reeves and the Vandellas, Stevie Wonder, Neil Diamond, The Turtles. Never managed to catch my fav group of all time in concert -- The Beatles. Have all their stuff on my iPod though and love to drive around San Diego rockin to the Sound of the Sixties.
Now I'm thrilled to be a dad and a grandpa and enjoy times spent w/ the fam just hanging around doing everything and nothing.
It's definitely a good life and I look forward to making many good friends here on ActiveRain.
ActiveRain Corp. is not responsible for the accuracy of the site's content (which is written by members of the ActiveRain Real Estate Network) and does not endorse the views of the real estate agents, mortgage brokers, and others listed here.
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