YOUR INSURANCE CONNECTION

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This is a Kun V studios original program.

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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.

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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.

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Good morning. My name is Donal to Marquez. This is your insurance connection. Broadcasting, right here at K, U, N, V, 91.5, jazz and more. Early Sunday morning. Welcome to my show. Broadcasting, every Sunday morning, from 8am to 830 I'm an insurance broker, and I educate you about insurance. This is what I do right here. Kumv 91.5 Jasmine for almost three years now, I want to thank Dr Ashton Ridley for this opportunity, and also my engineer, Mr. West Knight, for keeping the time going and just keeping me in check. I also want to thank the listeners for tuning in every week and and listening to this valuable information that I deliver about insurance, auto insurance, life insurance, homeowners, boat rental, motorcycle insurance. I don't talk about renters insurance a lot, but if you are renting a property, you need renters insurance to cover your liability, because the landlord is not responsible for your private you know, your own personal, private merchandise you have in your car, like or or even your home. So don't think your landlord is going to cover any of that merchandise that you have now in your home, your furniture, your clothing, your jewelry, the landlord is not responsible. If there's a theft, lost, fire, any kind of, you know, even a water damage, your landlord is not responsible. You need to renters insurance. Very affordable, very affordable to get a renter's insurance policy. I just wanted to cover that because I rarely talk about renters insurance, all right, also auto insurance. Let's talk about auto insurance a little bit and and then we'll get back into other insurance products. Before you buy a used car. If you buy a used car from a private owner, you must get a small before you take delivery of the car. Tell, tell the owner of the vehicle that you want to get your own individual smog. If they say, Hey, I already got a smog, don't worry about it. Listen, it's not worth it. It is not worth it. I see many times in my career people buy a car from a private individual, try to get the car registered, get a smog and it won't pass smog test, maybe because the engine is blown, or some bad piston, and I don't know, but if it won't pass mark, it's gonna be, that's mechanical failure. It's gonna be a lot of problems. Get a smog first, before you make the final purchase, before you give the person the money. And if they don't have the original title, or the title to the car, you know, back up a little bit, don't. And what you know, there are circumstances, let me say they there are circumstances when a person has a vehicle financed, you know, and go to that person, finance company, credit union, bank, finance company, they will have the title. Here in Nevada, we we don't have the title to the car until you own the vehicle. And a lot of states will only have a car with a car payment that's financed. However, they will have the title in their possession, not in the state of Nevada. So a lot different here in Nevada, the finance company that has the loan on the vehicle keeps the title as collateral. But you know, if you need to go to the finance company. You know you can make arrangements to refinance it'll pay the finance off, pay the finance off on the vehicle, and you know you'll get your title in the mail and switch everything over to your name. Now keep in mind, when you purchase a vehicle from a private individual, it's going to be a if you pay cash for it. You do need the title to register the car in the state of Nevada along with your small proof of car insurance. You must have proof of car insurance. You know, I've talked to people over many years, they transfer from another state to Nevada, and they said, Well, you know, I have insurance in Idaho. Why do I need Nevada insurance? But that's required by the state department of Division of Motor Vehicle. Do you have Nevada car insurance? Keep that in mind, you know, they said, Well, you know, I'm with the farm, and you know, these other states, and I just want to transfer it to Nevada. So you can, but you need a Nevada insurance ID card, or if you don't have any insurance, I can, I can help you with car insurance. I am a licensed insurance broker offering auto insurance, homeowners insurance, yes, life insurance, boat motorcycle insurance. My contact phone number 702-236-2624, 702-236-2624, my name is Don Marquez. This is your insurance connection. You're connected to information about insurance. Again, private owners beware when they're selling the car. Just make sure you check all the dots and, you know, get a car fax. If you purchase a purchasing a car from a private individual, just news you can use, because once you pay them, and you take the car down the road, if it has a lot of problems, you know, you own it. It's your vehicle. If you buy a car from a dealership, you know you they offer GAP Insurance. Some of these dealerships offer GAP Insurance, uh, just depends on your down payment. It may be a good idea to take it if you don't, only if you're not putting any money down on the car, very little down, minimal down. It's probably a good idea to get the GAP insurance. Now you do have an option to get the get the GAP insurance through the dealership financing, or you can purchase the GAP insurance through your insurance company. Or, you know, if you're putting down enough money, you could be covering the gap for this, for an example, I had this question just asked recently, there was a purchase on the vehicle. The vehicle was $45,000 and the person put down $20,000 because they wanted to, you know, very little payments, a low payment. And they asked me why they were in finances. They call me, I would say, I need to ask you a quick question. I said, what's going on? It's one putting $20,000 down on a car, the car is $45,000 at the dealership. Should I purchase the GAP Insurance? Well, $20,000 will cover the gap insurance, but definitely will cover the gap insurance. Not to say you have to put that much down however, you know it covers the gap. Now the gap is, if you don't put enough money down on the car, when you drive the car off the lot, it does depreciate. It covers that depreciation of the vehicle when you take it off the lot, whether it's a pre owned car or a brand new car, if you're not putting up much down, sometimes these dealerships offer no money down, you know, because your credit is good enough, you have this outstanding credit. And a lot of people with great credit don't put money down on cars. They just drive them off the lot. If you're leasing a car, you know, that gets a little tricky, because there may or may not be a gap when you lease a car, you know, you just have to see what the car value is and what the car is going to be worth at the end of the lease. And the reason why you purchase the GAP Insurance is because if there's a total loss, okay, if there's a total loss on the car, the car insurance companies will evaluate the vehicle at ACV value. What that means is actual cash value of the car, and that's a depreciation value of the vehicle. So when you purchase a car, a brand new car, or even a pre owned car, there will be a depreciation factor in there. That's why it's wise. If you don't put enough down to purchase GAP insurance, you have options to look at Gap insurance to the dealer financing, and they'll put it right in your finances, or your car insurance company that you're currently with, or if you're looking for new car insurance, my I can help you at 702-236-2624, let's compare rates. Let's compare auto insurance rates. Let's see if we can save you a little few dollars. Now, if you have a Hyundai Kia, I know it's been very difficult for you to find any car insurance that's competitive. But there's the insurance companies are starting to loosen up a little bit on the Hyundais and the kids. Fortunately, I've been able to quote Hyundai Kia vehicles with competitive auto insurance rates, 70223626241, 22362624, 702-236-2624, my name is Don Marquez. This is your insurance connection if you're just tuning in for the very first time. Welcome to my show, broadcasting right here, k, U, N, V, 91.5, jazz and more right here in Las Vegas, Nevada, you know, love my city. I'm licensed for the state of Nevada and also the state of California. If a car does not have a warranty, you know, here's a here's the thing you know, when you when you're in the car dealership,

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and the car is as is no warranty. Now, the finance manager will. Offer you a warranty on the car. In most cases, they can say, You know what, we got this car. We can put a warranty on it if that is an option. But, you know, you can shop for your own warranty. They have warranty companies out there that are competitive, that you don't necessarily have to buy the dealerships warranty. If it's a pre owned car, you know, or if you're buying a new car, it already comes with a warranty. Listen, don't get fooled by these extended warranties. You don't need a warranty. That's my opinion. That is my personal opinion. I'm buying a brand new car, it comes with a factory warranty. So why would you need an extended warranty? That doesn't make sense. Now, when the warranty, the factory warranty, is up, then you do have options to purchase your own warranty if you plan on keeping a car after the factory warranty is up. Lot of us keep cars, you know, because we don't put a lot of miles. Some of us put a lot of miles on cars. But I just want to give you your options, you know, give you your option. The car comes with a warranty. Why buy an extended warranty? It makes no sense to me. But, you know, they make it sound good, they put it all in the financing. We'll put all this in the financing for you. And all of a sudden, you know, your car payment goes up and up and up, and you're like, Wow, can I afford this car? Before you purchase any car, whether it's from a dealership or a private individual, find out what the car insurance is going to cost first. Cannot emphasize that enough find out what their car is going to cost you on a monthly basis. Is it's always better to pay your car insurance up front for the six months or for a full year. The paying the annual premium you're locked in for the full year. There's no car insurance payments for the annual premium if you can afford to do it. Now, if you can't afford to do it, you do have options. You can put it on your credit card, and you pay your credit a card off accordingly. You know you have 12 months to pay that credit card off. How you do it? That's up to you, but it's a way. That's another way to save your money on your car insurance. When you pay in full, you will save more whether it's a six months policy, but I encourage you to pay for the policy for the full 12 months. If you have a home or your renter, you want to get the bundle. That's the home and auto discount. You hear a lot about the bundle, especially on television. The bundle, the bundle, the bundle, simply what that is, is combining the home and auto with one car insurance with one carrier. You have your car insurance with the same carrier, and your homeowners or renters insurance with the same carrier or with the same company that gives you the bundle. Now I do receive calls from time to time, my my son, my daughter, wants to purchase the vehicle there. You know, just first year in college, you really need to find out what the insurance is going to cost before you purchase the car. I'm just telling you, do not purchase the car unless you don't care what the insurance is. You know, there's some people out there that's fortunate. They don't have to worry about the car insurance. Here my daughters, my son, is a good kid. They straight A's and they're going to college. They need their own car. And I don't care what the insurance is, I'll take care of it. But if you know you got it like that, hey, you got it like that, you know, more power to you. That's a 70 phrase. More power to you. Haven't said that in a long time, but if you can afford it, that's great. But if you can't afford it, you know, and you're concerned about, you know, I got college tuition, books, you know, everything, everything that goes along with it. Being a college student, you don't want to find out what that car insurance going to cost first before you purchase that car for your college student, or if you put that college student on your insurance, you want to find out what the insurance costs first. For more information. My name is Don Marquez. This is your insurance connection. 702-236-2624, 702-236-2624, my location is on the corner of Sahara Rancho in the US bank center located on the eighth floor. My business hours are Monday through Friday, from 10am to 5pm and there are some Saturdays I will work. I work by appointment throughout the week, and also on Saturdays, 702-236-2624,

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another thing, while we're talking about cars, you may want to get an inspection. If you have to get an inspection at the Division of the Department of Motor Vehicle, you go there and they if you buy in a car, especially if it comes from a different state, out of state, you're going to have to have the car get the car inspection if you're building one of these old school cars, you cannot put insurance on it until the car is complete, completely built. You know, I've been asked that before, hey, I'm putting a car together. It's under construction. You know, some insurance companies will offer that. But why? You know, when the once the car. It's completed. Then you can, you know, then you can, you know, get it insured. You know, you're gonna need an inspection. You know, some of these old school cars. I mean, I remember old Chevy Nova, you know, that was a grandma's grandfather's car. Oh, Chevy Nova back in the 60s and 70s. He's, oh no, was. I mean, they were nothing to buy. You could purchase one of those cars for little or nothing. I was in high school at that time, and people, you know, driving, you know, hey, they, we used to make fun of them. Hey, you driving your grandparents car. Oh, Chevy Nova. But that old Chevy Nova now is worth over 30, $40,000 you know, it's unbelievable with these old school classic cars are worth today, from the 60s and the 70s, it's unbelievable. You know, one of the most popular old school cars is a 1970 Chevelle s last brand new. My neighbor had one, two. It lived one house for me. He bought a brand new. He was on his way to prepper down University, and his dad bought him a brand new 1970 Chevelle SS, black with with the tan interior. It was beautiful, beautiful car, and it was only $3,800 I mean, it's like, wow. I saw the window sticking out, and to me, that was like, my eyes popped out. That was a lot of money. But, you know, he got a brand new car. It was only $3,800 to it. You know, even a car like that today, it's worth over $100,000 it is unreal with these old classic cars are going for now, if you do have a classic car, there are classic car insurance. But if your classic car is under construction, you can get the insurance after it's built, even if you know that now, there are companies out there say we will finance your you know your classic car wires under construction or that, but most companies will tell you, 99.9% of the companies will tell you, if your car is under construction, they will finance it after You completely build a car it's running. They can take pictures of it, because they want to take pictures of the motor, the interior, all around the car, and make sure it is a car that's running. And they will finance it up to its value. Some of these places, you know, just keep in mind, you know, when you're purchasing or building a car, or you're buying it from a private owner. You know, you want to find out exactly what your options are, because, you know, there are times when people purchase cars, many, many times when people have purchased cards and find out I bought a lemon. And that's a that's a heart, that's a it breaks your heart. He's, you know, saved your money all these years, and, you know, got excited about buying a car, and all of a sudden you purchase a limit. That happens. Unfortunately, it happens a lot. It happens daily. Just Buyer beware. My name is Don Marquez, 702-236-2624, located on the corner Sir Howard Rancho in the US bank center, eighth floor business hours of Monday through Friday, from 10am to 5pm and I will work Saturdays by appointment only. We got an election coming up here, you know. Please, everybody get out and vote. By the time you hear this program was we are on Sunday mornings, from 8am to 830 you still have time to vote. You know, let your voice be heard. It's very important election. We have let your voice be heard. Do not sit this one out, because the other side, you know, no matter what side you're on, they're not sitting it out. They're getting out and vote. It is your right to vote. Exercise your right to vote. Many people in this country didn't have the right to vote, and now you do, and you're talking about, well, sit this one out. Don't do that. Don't do that. People sacrificed for you to give you the right the vote. And I'm gonna get off of that, moving on to my favorite topic, which is life insurance. Yes, we all need it. We all will have a final expense. One day, someone is going to have to pay for our final expenses. And, you know, and it is what it is that's life. I've had unfortunate news within the past, you know, couple of weeks, you know, people have come to me, lost their spouses, lost her brother. And, you know, fortunately, there was life insurance. I was blessed to offer them a life insurance policy at the right time. Had a gentleman just came in, you know, just just last week, and he told me, lost his wife and and, and honestly, I didn't remember. I have a pretty good memory, but it was so long ago. And he said, Man, you know, you sold me and my wife a $15,000 life insurance policy, and at the time, that's all we can get on her, but she had underlying health conditions, and we bought it four years ago, and she just passed. And that life insurance. The policy came in handy. He said, I own my plots at the cemetery, but those that $15,000 I could not he said, I could not afford to pay for the policy without the life insurance. I mean, and I'm so grateful that I purchased the policy through you now she was able to, you know, I was able to to bury my life with dignity, you know. And that meant, that means a lot to me when they have testimonies. Come people come to me and say, You know what I thought about it. I didn't want to get the policy at first, but I'm so glad I did, because you never know. You never know when your time is up. He had no idea in his mind that one day he you know, his wife would pass before he did, and he's in his 70s, but he purchased a policy for me four years ago. His wife just passed recently, and they were able to take the life insurance policy and pay for the wife final expenses, her service. You know, it meant a lot to him to have that policy in hand, and it gives a person time to grieve, time to grieve, because a lot of times you know when you don't have time to grieve, you have to figure out how you're going to pay for the policy. I'm How are you going to pay for this very expensive funeral without a life insurance policy? Think about it. You don't have not enough money in your bank, not enough credit on your credit cards, but now you have to pay for a very expensive funeral. And these funeral costs today between 20,000 15,000 I mean, that's a lot of money to come up with all at once. You know, I'm here to help you through the process. We all will have a final expense one day, even if you have underlying health conditions, cancer, lupus, CP, how was that with the one with the cigarettes? See, COPD, if you smoke cigarettes, I don't know why. I don't get a lot of smokers calling me very, very rare when I get smokers call me. But you know, if you have COPD, emphysema, asthma, kidney disease, heart disease, liver disease, I can get your life insurance policy if you're stage one, stage two or even stage three cancer, and you have more than 12 months to live, I can get your life insurance policy. Diabetics, I can get your life insurance policy. If you've been turned down for life insurance, if you have HIV or AIDS, I can get your life insurance policy between the age of 40 and 80. 702-236-2624,

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702-236-2624, DO NOT PURCHASE accidental only life insurance. You're not doing anything for your family. Accidental only means exactly what it says. Accidental only, that's what it does or travel. Accidental policies, they look very attractive, they target they target seniors for this type of policy, and it comes from well known resources, your banks, your credit unions, and that you recognize. Oh, this is from my credit union. So this got to be okay. I've been with my credit union for a very long time. It has to be okay. Oh, they wouldn't offer it to me. They sent it to you in the mail. Just sign here. No physical Mr. Jones, and we got your life insurance policy. Now you pass Mr. Jones and your family quickly finds out that it is an accidental only life insurance policy, and you pass some natural causes. Let's get you a real life insurance policy, you know. And a person just looking for a burial policy, the right product is a whole life insurance benefit if you're just looking for a burial policy to take care of those final expenses as a burial. Now, even if you have money saved up, it's always good that's money saved up for other expenses. There will be other expenses when you pass now, the funeral costs money. That's up to 15 to $20,000 for a burial. Now, what about the mortgage, the rent, the car payment, the car insurance, the utility bills, I mean, to live, groceries, that payment goes on, you know, you pass, you're gone, but your family still have the power bills to pay, the car payments to pay, food to pay, you know, so your savings account is for that, and that's what I call a rainy day, because you've saved up for that. But if you want to save also for a funeral, that's going to be very expensive, let's get your whole life insurance benefit policy, up to $35,000 in coverage. There's no health examination to apply, just a few health questions, only 12 questions, there are no there is no examination with this product. Now, I do have the larger policies that start at 100,000 up, but if you want something quick, easy, and you can qualify day one for that insurance. And it meaning, if you do qualify, and most, most of you do, you have day one insurance, day one insurance, all life insurance policy. Seats have a suicide clause in there for the first two years. Just have to put that out there and for also for concealment. In other words, if you come to me and you do qualify, and you die of cancer for the first six months, you know, then, you know, then we, you know, the insurance companies have a right to do a look back. Imma tell you that right now. But I've had many of my customers, over the years take out up to $35,000 life insurance policy. They pass on natural causes, and the policy paid for. One example, I had a gentleman heard me on the radio, came in to see me, and he was very healthy, took out $35,000 he died four weeks later, the company paid out $35,000 he just dropped dead. Natural causes. It happened another time too. Young man came to see me. He was in his mid 40s. He had diabetes, been turned down five times to get life insurance. Took out $35,000 worth of coverage. Unfortunately, he had a diabetic seizure, coma I went into and he died. Died of natural causes. The life insurance company paid out $35,000 I can help I help them. I can help you. 702-236-2624, 702-236-2624. My name is Don Marquez. This is your insurance connection, offering auto insurance, homeowners life insurance, boat motorcycle insurance. The weather is perfect. I love this weather. I am so happy that our summer time is over with, you know, born and raised in Vegas, it's just too hot. I say that before on the show, but I love this time of the year. It's gonna be nice between now and May get out, take a walk, meet your neighbors, get some exercise. There's no excuse that I exercise. Sometimes I do, but I encourage people to eat more greens, eat more fruits, drink less sodas. Uh, drink less, eat less sugar. You know, sugar is, uh, you know, getting older. You know, I'm a senior citizen myself, and I find out, you know, what the things with sugar does, it stays in your system. It doesn't process, you know, we, you know, everything we eat has a lot of sugar in it, a lot of starch in it, you know. And so we need, our body needs to process this sugar over time. So, you know, think about, you know, when you getting that burger with a soda, I know what the feeling I love a soda with Mexican food. It just goes right? I have to have a Coca Cola, not a Pepsi with with Mexican food. It's just good. It's just, it's a right combination. But, you know, think about your health. As we age, we have to be a little bit more careful what we eat, what we drink, drink more water. We have to drink more water, stay hydrated, stay healthy. As we age, we have an opportunity to age gracefully if we take care of our bodies. You know, just have a mental effect on our bodies. It does. And when you have a positive attitude every day, it does have an effect on your body. If you eat right, more greens, more fruits, more vegetables, and less sugars, less sugars, less carbs, you'll live a much longer life and get out and walk and you know, you'll feel good. Your heart will pound and you just feel good. Just put that in your daily routine, daily or weekly. Or, you know, maybe three times a week, four times a week, I'm gonna get up and take a walk. And, you know, come on a 30 minute walk. That's all it takes. 30 minute walk can change your life. My name is Don Marquez. This is your insurance connection. That's news. You can use 702-236-2624 702-236-2624, have a positive day today. We'll do this again next week, between eight and 830 until then, keep you crispy. Thank

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you for listening. You

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