YOUR INSURANCE CONNECTION

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The following is a paid program sponsored by your insurance connection. The content of this program does not reflect the views or opinions of 91.5 jazz and more the University of Nevada, Las Vegas, or the Board of Regents of the Nevada System of Higher Education. You

Donald Marquez 0:25
Good morning. This is your insurance connection. I'm your host. Donald Marquez, on your insurance connection, we talk about saving money on auto insurance, homeowners insurance, yes, and we talk about life insurance. Welcome to the show you. Good

Donald Marquez 0:45
morning. My name is Don Marquez. This is your insurance connection. Broadcasting right here from K, U, N, V, 91.5, jazz and more Sunday morning, every Sunday morning, from 8am to 830 talking about insurance? I'm a licensed insurance broker in 48 states and our beautiful nation, and I'm offering auto, home life insurance, boat motorcycle insurance throughout our beautiful country. My hometown is right here, Las Vegas, Nevada, and I would love for you to talk to you about your insurance your insurance coverages, and we should know. I mean, I've talked to many of you over the many years of service. 29 years in the business. Next year will be 30 years. I don't know where the time went. However, talking to so many of you not understanding your insurance coverages, not even knowing what coverages you currently have on your auto insurance, other than telling me you have full coverage, I don't know what that means. Really, I don't. I do try to compare rates to bring to you know, help you shop. That's what I do. I help you shop, and it's good to have an insurance agent to help you shop, because we know what coverages you should have. You know, I see these commercials, you know, only pay for what you need, only 15 minutes to save, use x, y, z, you know, all these are gimmicks. They're not talking about Southern Nevada. They're not talking about Vegas. They're just not. They're not. I mean, that's a general nationwide. You know commercial. You know, like a good neighbor, you know, you've heard them all over and over again. And just don't be fooled by the commercials. It just generates a phone call. Now I do come on KU, m v 91.5 jazz or more as a licensed insurance agent, 29 years in the business, I understand each and each and every one of you. Everyone is treated different because your circumstances are different. You drive different cars, you have different ages, you live in different zip codes. All these are rating factors when it comes to car insurance, and I know we are all experiencing higher insurance auto rates in the state of Southern Nevada, a lot of insurance companies have pulled out of us of Nevada, you know, because of Southern Nevada. And it's unfortunate. It really is unfortunate. Now I can offer insurance in Reno and in between Vegas and Reno, I can offer auto insurance, you know, home life and car insurance, boat motorcycle insurance, however, we need to know what we're paying for every month you pay your auto insurance month to month, and I recommend you pay it once a year or once every six months. That's going to be the discounted rate when you pay it in full, if you can now, you can put it on a credit card, put it on a non interest rate credit card, and just you're in control. I know of a lot of you call me and complain about, you know, from other carriers, you say, Oh, I'm with this company. I've been with this company for many years. You know, I need, I need an auto insurance quote. Can you help me to save money? And I understand too. As you as we age, especially our senior citizens, are getting very you know, they're experiencing very hard car insurance rates, and sometimes, believe it or not, you know, they put an additional driver on your auto insurance policy without you being aware of it. And why does that happen is because sometimes you know your family members use your address. Use your address. I'm talking about seniors and primarily a lot of different people your address could use. Okay, I'm gonna use your address for my driver's license, and now they're listed as your residence. They list your home as your residence on their driver's license. Now they get raided on your auto insurance policy without you being aware of it. Every time your policy renews, every time your auto insurance policy renews, the insurance companies, the auto insurance companies do. What they call a household summary. A household summary is to see who are the licensed drivers in the household, and once they see a newly added member of your household that has a driver's license, they will add that person on your auto insurance policy, on your renewal, with or without your permission. Now you you probably say they, well, hey, they have their own insurance. Why are they added on my policy? Well, we have to provide information to the insurance company who you're with, or that they have their own car insurance and they don't live in a household. So if you do have a loved one or a family member or a friend that lives in your that's using your address, you know, let them know, hey, get a PO Box. Don't use my address. They can get a PO box or use their own address, because what happens is, they're they're not rating their car insurance at the proper address. Maybe you live in a better zip code. When I say better zip code. Understand this. Listeners, car insurances are rated by ZIP codes. One of the lowest rates in Southern Nevada. Right here is 890-528-9052, nice near the Boulder City area, okay, and it really is. I mean, that's in that area near Boulder City, 89052, is a lower car insurance rate. Zip code, or we have zip codes out in Pahrump. I don't know why everybody say prompt, out in Pahrump or out Pahrump way out there. I haven't been in Peru in a while, but auto insurance rates are much lower in Pahrump now, Southern Nevada, we experienced some Woo wee. The rates have gone up. It's a monopoly, I think, right now going on. And I hate to say that as an insurance professional, but a lot of these companies have left Southern Nevada because they say they can't make any money here. Too many claims. Just be careful out there when you and when you're driving, don't text. A lot of rear end collisions. People just don't pay attention. And you think with the technology we have today, with the backup cameras, with the sensors on the on the side mirrors, we would be more cautious drivers, but more than ever, we're having car accidents. And to think about these vehicles today, really. And here's another here's another reason why our car insurance rates are increasing. These cars today, if you just, you know, if there's a slight accident, you know, a lot, a lot of times they're deemed unworthy to put back on the road. They are totaled out, a total loss. In other words, you know, I've had a car accident, and I thought my car was repairable. I really did. I'm thinking, Well, you know, it hit the front, hit the front passenger's wheel, but it just didn't, it just didn't look like it was that much extensive damage to my vehicle, but they totaled it out now, so of course, you know, they had to compensate me. I own my vehicle at that time, so sad. They had to compensate me for damages. But, you know, I thought it could be repaired. I really did, but once they did the evaluation on how much it cost to get my car repaired, they said it's not worth it repaired. Now, I do caution you, if you are in an accident and they total your car out, the insurance companies total your car out, and you feel like, well, you know, I could buy my car back from the insurance company. You're not going to double dip. In other words, you're not going to be compensated for your loss. And then, you know, want full value for, you know what? You want to pay less value for your car. But your car is, is listed as unsafe. It is a salvage vehicle. It is very difficult to register to insure, excuse me, to insure a salvage vehicle. Now, there are ways to do it, but most insurance company will reject a salvage vehicle because they the insurance companies have deem this car to be unsafe. My name is Don Marquez. If this is your first time hearing my show, welcome to my show. I broadcast right here at K, U, N, V, 91.5, jazz and more every Sunday morning, from 8am to 830 I'm a licensed insurance broker offering homeowners insurance, auto insurance, yes, life Insurance, boat and motorcycle insurance. My contact information is 7022362, 70223626247022362624

Donald Marquez 9:28
my location Sahara Rancho in the US bank center, eighth floor. I work by appointment. My business hours are Monday through Friday, from 10am to 5pm, again, 702-236-2624, if you can't contact me at that number, you can always text me. My email address is Donald dot Marquez, M, A, R, Q, U, E, z@outlook.com, Donald. Dot m, A, R, Q, U, E, z@outlook.com, you can email me, text me, and you know, we'll start something up a lot of times if you don't want to get out in the heat. And it's very warm right now in Vegas, it's that time of the year. You know you can, if you don't want to get out in the heat, come to the office. I work by appointment again and but if you don't want to come to the office, I understand we could do a lot of business by way of phone. Since post COVID That made it very easy for licensed insurance agents like myself to conduct business, whether it's auto insurance, homeowners or life insurance, over the telephone. Again, this is boat season. Let's, let's compare rates on your boat, your motorcycle probably a little hot to where I ride a motorcycle right now, but you know, as the rule is, and by 10 I'm still riding, I'm telling, I'm thinking about, I don't know, giving up riding motorcycles I've been riding for a long time, over 20 years. And you know, it's not what it used to be. A lot of guys that I used to ride with, they're they're retired, and they're not riding anymore. So even coming to the studio today, I was thinking, Should I sell my motorcycle? I don't know. I've had it for, you know, for a while, and I like riding. This is exhilarating, this, but, you know, I'm thinking about just giving up my motorcycle. I don't know, still kind of play with that a little bit, but, you know, I want to miss wish all the fathers Happy Father's Day. It's, you know, it's good to be here and spend time with your family on Father's Day this Sunday. And hey, the basketball games on I want to congratulate Coco Goff. She won the French Open. She is amazing. And you know, all the gifted athletes that we get a chance to entertain us and what, all their you know, professionalism and athleticism to entertain us, especially on Father's Day. It's nice to watch a basketball game on Father's Day for the final six final. For the finals, I'm OKC fan. Let's go OKC. My in my heart, I'm a Laker fan, no matter if they win or lose. I'm with the Lakers. But I enjoy, I enjoy watching the sports, basketball, football, every now and then baseball. Don't think about baseball. I just take a good nap, and I wake up and it's like, you know, the last few innings, but I just do, I just go watch a baseball game. I just fall asleep. But basketball is exhilarating, and I love watching basketball. And I just want to, I, you know, wish all the fathers a beautiful day today and and do what you want to do. You know, a lot of us like to grill. Put some, you know, put, you know, some food on the grill and enjoy our family time. We don't ask for much on Father's Day. Now, Mother's Day, of course, you can't get in a restaurant, Denny's. You have to have reservations three months in advance for father for Mother's Day, for Father's Day. Hey, the restaurants are open. Come on in. You can take any seats you like. You don't have to make reservations to go out to a restaurant. You know, in Vegas, it used to be cost effective to go to a restaurant, you know, have a nice dinner. But not today. It's very expensive to go out. You know, places I like to go, I like, I like, I like good food. I don't. I don't do the fast food thing. Very rarely. I'll go on a fast food restaurant every blue moon I might. But no, I like cooking at home. And with the cost of going out and, you know, and the health factor of going out eating food, I prefer eating at home. But you know, this Father's Day. Hey, dads, do what you want to do. It's your day. Enjoy. I want to say Happy Heavenly Father's Day to my father, Richard Marquez, happy Heavenly Father's Day. My name is Don Marquez, and this is your insurance connection. 702236262470223,

Donald Marquez 14:02
626, 626, 24 my location, Sahara Rancho in the US bank center, eighth floor. I work by appointment Monday through Friday, from 10am to 5pm and I love to talk to you about all your insurance policies, your home, your auto, your life insurance, especially your life insurance. You know, I offer no obligation insurance reviews. That means we can sit down and talk about your life insurance. You need to know, what is your life insurance going to do over time? They call it Life insurance because it should extend for your entire life. If it doesn't, if it's a temporary policy, like a term policy, it may be converted before age 70. What is a conversion? A conversion on your term life insurance policy means you can roll it over to a universal life insurance or whole life policy, and you'll have permanent insurance for the rest of your life if you're experiencing your life insurance for. It's going up. You may have a flexible life insurance premium policy where the premium amount is not enough that you pay each month to keep the policy active. It's called a flexible premium. Now, with a flexible premium, this is usually a universal life, or whole life policy that they'll take money from the cash value I'm talking about the life insurance company will take money from the cash value to keep the policy active. Now, why would they do that? Because you're not paying enough into the policy as you age. Now, a lot of people experience even job policies at a certain age, if you have, if you paid on a job policy and you retired now at certain ages, and I've seen this happen again and again and again. 6570 75 those job policies after retirement either are eliminated altogether once you retire, or when you hit certain ages, the policy will reduce the face amount, however, the premium may or may not stay the same if you're paying a premium. And this is why it's also important to get an insurance review. No obligation. I don't charge you a fee to come see me. I'm gonna say that again. I don't charge you a fee to come see me, because you need to know, well, how much you paying for for your for your coverages on all your insurance policies that should be important to you. Let's find a way, if we can save you some money, let's save you some money. This is what this show is all about, educating you about your insurance. And let's carry enough insurance. Well, you know, let's carry enough insurance, because things do happen. No one wakes up in the morning and say, Well, today is a good day to get in the car accident and quickly find out the person that hit you don't have enough car insurance or none at all. 30% of the drivers on the road today does not have car insurance. That's why it's important to carry that's that's why it's important to carry uninsured, underinsured motorist protection that under U M coverage is so misunderstood. Now, uninsured and underinsured motors means that if someone hits your vehicle without insurance or not enough insurance to cover you and the passenger's bodily injury, you carried on your policy for the person that don't have insurance or not enough insurance to cover your bodily injury. Now, some people say, Well, you know, I have health insurance. I don't need to carry you in. That is your option. It really is an option. Well, if you're if your health insurance coverage is is sufficient enough to cover you if, in fact, you are in a car accident, you may need, not need to cover that uninsured motors protection. This is that's FYI. Another food for thought is on your text messages when you get these. And I receive one myself, and I have to share this information with you. I received this text message just the other day from the Nevada Department of Motor Vehicles, DMV, final notice enforcement penalties began on June 11. Our records indicate that you still have out send out outstanding traffic tickets in accordance with the battle State Administrative Code, 15 C, blah, blah, blah. But what this is, it's a it's for you to hit Y, to go in and to, I don't know, redirect you to pay this imaginary fine so they can get your banking information. This is a scam. This is a scam that will, they will, you know, people will get into your account. The DMV will never the department of motor vehicle will never text you. They will send you information by way of mail. If you're one of those toll lanes, they'll notify you by way of mail or email. They will not text you. So if you do receive and they're blasting out, this is junk mail. This is a scam. This is a scam. So it's like this, Jason middle, I don't know. It starts with Jason, 44860, it's a scam. So just be aware of this. And people get targeted, and they like, oh, I need to pay this. I don't want my and that's threatening too, because they're talking about suspending your registration starting. And this is the scam they're coming across with me, suspending my driving registration starting June 11, suspending my driving privileges for 30 days. You know, so suspending my, not only my registration, but they're talking about suspending my driver's license is all a scam. Do not be fooled by this and the Dave and if you feel it necessary, contact the DMV. Contact the DMV. I know if you may be on hold a long time, or you can go to the DMV and tell them about your concerns. Now this is a scam. Do. Do not be fooled by it. Hopefully I can hit stop and they'll stop sending me these ridiculous test messages. That's News You Can Use. My name is Don Marquez. This is your insurance connection. My contact phone number 702-236-2624, 702-236-2624, if you have a loved one that has underlying health conditions, please don't give up. You can get them a life insurance policy, or even if yourself have underlying health conditions, diabetes, lupus, a history of cancer, COPD, liver disease, kidney disease, these are diseases that a lot of times when people apply for life insurance, they're denied. I can get your life insurance policy. Now, when I mentioned cancer, a history of cancer, as long as you're not stage three four, let's sit down and have a conversation about you getting a life insurance policy to take care of your final expenses. Now, these policies are quick and easy. There's no physical required. Most benefits are paid in 24 hours. Whole Life benefits up to $35,000 in a lot of cases too, I can get you a larger amount, no health insurance, no health examination to apply for just a few health questions. I mean, this is insurance that we all need with funeral costs going up to anywhere from 15 to $20,000 to bury your loved ones. You know you have to have a life insurance policy today. Or are you going to leave someone financially devastated? One of the leading causes of bankruptcy today. It because the death of an individual in a household now. And the odd thing about it, you know, death come in threes. Now, you may experience a loved one, and all of a sudden, you know, six months later, here's another one or another. And within less than a year later, here comes another one. Experience three deaths, and within less than a year and a half of your time is devastating to most families, and if you don't have any life insurance, what is your alternative? Talk to your loved ones you know, ask yourself, well, what's taking you so long? Why are you waiting to contact me for life insurance? It's easy. I represent 60 life insurance companies. I'll find a company that will fit in your budget. It's an easy monthly draft directly out of your checking account. You can select the due date between the first and the 28th of each month. So a lot of people like to select the first or the 15th. For some reason, it's the first or the 15th,

Donald Marquez 22:41
and that's fine. You know, if you like to add a grandchild or a child writer on the policy, as long as they're 17 years young and under, we can add a loved one, a child or a grandchild on your life insurance policy. And listen to this. Listeners. Now, if your spouse doesn't want to come in to get a life insurance policy, we can put, usually it's the husband. I'm gonna put you guys, I know it's Father's Day, but I'm gonna put you on blast a little bit. Now, if you wanna get a Father's Day gift to your back to your family, as always, it's time to get that life insurance policy. It's Father's Day, all right, dads, it's time to get yourself a life insurance policy to protect yourself, protect your family, but we can get up to $20,000 so let's say for an example, the wife comes in. Husband doesn't want to come in. Don't want to talk about life insurance. Hey, you can get a policy on me. I don't care. I don't want to come in and talk about I don't know why men have this attitude, but I've witnessed it in the last 29 years, and we shouldn't feel this way. We should protect, protect our family at all costs, no matter what, no matter what it is. You know, you go to work every day for many years to provide for your family, unless this continuation of providing for your family needs at the time of a need, and it's going we're going to have the time for a need. It comes. It's going to come for all of us. And are you prepared? As a spouse, you could take up to $20,000 of whole life insurance that builds cash value. Now the wife does not need the husband, or the husband does not need the wife. We can add $20,000 worth of life insurance on them. What we need is, you know, a little information, not a lot. There's only nine health questions to ask, yes and no answers, no physical My name is Don Marquez. I can help you get your spousal life insurance policy to protect you from that you know day. And when that day comes, and it's gonna be very expensive, very emotional at first, and then you have to realize, okay, I have to do something with my loved ones remains. You go to the mortuary, and you quickly found out that, wow, the cost to bury this loved one is extremely expensive, and the gofundmes and the car washes and the bake sales, i. Yeah, those don't work. They don't. It's not enough money. Let's, let's talk about the bake sale. And you know the fish fries, I guess as well. I don't know why they always go fresh fish fries, but you know, you got to buy the food. You have to prepare the food. You have to sell it to someone. Does that make sense? You have to sell it. And then if you want to wash cars at $15,000 at $20 a car, that's 750 cars you have to wash. That's not a plan. That's, that's, you know, that's not a plan. Or, you know, later on, you find out that, wow, not only you have to pay for this final expenses, very expensive funeral, but now there are other bills left behind too, as well, credit card debt, car loan, debt, mortgage, rent, and how does that affect your continuation of life? My name is Don Marquez. This is your insurance connection. I'm a licensed insurance broker. I could take you step by step through the process. It's painless. 702236262470223,

Donald Marquez 26:02
620, 2624, and listen in the 29 years, I've heard it all, and I'm quite sure I have a lot more to hear. But you know, we need this type of coverage. And if you experience having a life insurance policy, and you have a bad taste in your mouth because you said, I, you know, I had a life insurance policy before, but, you know, after paying on it for many, many years, you know, the policy ran out, it expired well, because you bought the wrong policy, or you didn't know what to do with the policy, why you had the policy? It was a term policy that the termed out. You know, I mean, it just happens, it turns out, but you were insured during that time. This is why you need to know about policy benefits within the life insurance policy, I never encourage people to go online and buy life insurance because you don't have representation. 702-236-2624, 702-236-2624, my name is Don Marquez. This is your insurance connection. I want to wish all the dads a Happy Father's Day, and we'll do this again next week, from 8am to 830 until then. Have a great week, and just keep it crispy.

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You.

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