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.

Unknown Speaker 0:46
Good morning. This is Donald Marquez with another edition of your insurance connection. Broadcasting right here at K, U, N, V, 91.5, jazz and more. Sunday morning, from 8am to 830 Welcome back, y'all, and I want to thank the listeners that came in and purchased home, auto and life insurance. Thank you so much for your continued support right here at kumv 91 five jazz and more. You know, I loved coming on the air talking about what I do as an insurance broker. You know, educating. This is educational show, and I am a broker offering auto insurance, homeowners, life insurance, boat, motorcycle insurances, boat, motorcycle season. As far as I'm concerned, you know, some people like to get on the water when it's a lot cooler. They don't like to be out there when it's very hot. But you know, if you want to compare rates on your motorcycle, your boat, I'm available at 70223626, 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 I will work some Saturdays. You know, just depends on the Saturday by appointment, 702-236-2624, it's a lot going on. We have the election that's happening right now. And you know people, please get out and vote. You know your vote, your vote is your voice, regardless who your candidates are, what party you represent, but it's important for all of us to get out and you know, represent, vote, and you know, and you know, pick the candidate, your choice for whatever reason. You know, pick your candidate and and you know, move forward. So we need to vote, and it's our democracy, and it's part of what we do here in the United States. Other countries don't have the luxury as we do. But you know, we need to exercise. All of us need to get out and vote. My name is Donald Marquez. I'm a licensed insurance broker in the state of Nevada, California, yes, and I do receive calls from time to time from people that live in California, because they do listen to kumv 91.5 jazz and more, all over the all over the United States, probably all over the world. But you know, because with now, when you have an app, you can just dial in and listen, no matter where you are. When I'm out of town traveling, I listen to 91.5 jazz and more. I go to my phone app and I have 91 no 190, 1.5 jazz or more with me everywhere I go enjoy our Smooth Jazz, our talk shows on Saturday and Sunday I come on Sunday morning for the last almost three years now. And I want to thank the listeners again. I can't thank you enough for your support coming in and purchasing home auto life insurance. You know, life insurance is one of my favorite subjects. I'm gonna talk about auto insurance a little bit, and then we're gonna go right back into my favorite subject. But auto insurance, let's get you know if you want to compare auto insurance quotes. You know, people like to buy cars right before the holidays or right after the holidays. People purchase cars because they get their tax refund, but it's a lot cooler now. People don't mind going to the car lot, looking at the cars. They don't really, necessarily like going when it's very hot. We had a long, extended summer this year. I am so glad it's over.

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We're getting into the cooler months right here in Vegas. But you know, if you're out shopping for a car, it's always wise to get a quote on your auto before you purchase it. So an only thing you need to do is just get the vehicle identification number, contact me or your insurance agent and find out what the car is going to cost you before you purchase the vehicle. Many times, many times people, this is what you do. You get excited about buying a car. I get it. I've had that feeling too. You get excited. You go buy a car, and then all of a sudden, you know, you take it home, and everybody see it, and you Oh, man, I got my new car, new transportation, no breakdowns, none of that. A new car smell. Well, you know, sometimes it's a used car smell. Too, because we have to get pre owned cars. But you find out what the insurance is, and you you're like, wow, I didn't realize it was going to cost that much. And I hear it all the time. I hear it all the time. Cars cost more money than they used to. There's a lot more electronics than it's ever been before. With these vehicles, they break now. They have backup cameras. They have sensors everywhere, you know, the front, the rear, the sides, in the mirrors. I mean, it's just a lot of technology on these vehicles. Now, they're not as simple as the cars. You know, back in the day, in the 70s and 80s, when they were building cars without all this computer technology on the cars GPS, they have everything on them. So when a car costs more money, this is my point. When it costs more money, the car insurance company has to insure the vehicle for more money. It costs more money. So this is, this is why sometimes when you purchase a new vehicle, you you think your older car was was more for the car insurance, but now the new purchase is probably going to be a little bit more. I shop for rates for you. And you know, sometimes you got to understand, if you come out a car, that it was only worth maybe, like 15,000 just for an example. And you step up and you buy average car today is between 30 to $50,000 depending on what you get, and even higher, if you get into the luxury the large SUVs, the luxury cars, you know, you pay in north of, I don't know south, I should say south, south of $75,000 or more. It just they're worth a lot of money today. They cost a lot of money to me that they're not worth it. But you have to understand the insurance company has to insure that vehicle for the replacement cost. Now, when you go to the car lot, you do have an you do have an option, an option to purchase the GAP insurance. Now you can compare prices, but I think, in my experience, sometimes the GAP Insurance is cost effective through your finance company, more so than is your insurance company. Now you can compare rates, because there are car insurance companies that will offer the gap protection, you just have to compare rates. Now, when you finance the gap protection, you know that's a separate that's, that's, that's included in your car insurance, pay your car payment. But when you're in your car insurance, you know that that could be a separate payment, or it could be included in your car insurance payment. It just depends how you set it up, or you could pay it up front. Is this, you do have options, and you want to know how long you have to keep this, you know, GAP insurance on your car. Now, if you go to the car lot and you put a large down payment down, you don't necessarily need the GAP insurance. The Gap Insurance is for people, when you go when they purchase a vehicle, right? It's the gap between what the car is worth and what the AC V is on the vehicle. Actual Cash Value. The actual cash value mean that's the depreciation value of the car. When you pull the car off the car, like brand new car or pre owned car, it does depreciate. And so the gap. Only thing the gap does is create that gap. So if you have a total loss in a short period of time owning your new purchase. It covers what you owe and what the car is truly worth. Now, sometimes that don't make sense to people. Well, I just bought this car, and it costs this much money, but you have to factor in a depreciation cost. There is a depreciation of the vehicle, and it depreciates quite, quite significantly when you pull it off a lot expressly, especially brand new vehicles. When you buying a pre owned car, your best shopping method is to go online, because car dealers online, they have to compete with other car dealers, and I think you're going to find your best rates. You can always go to Kelly Blue Book, always get a CARFAX, always get a CARFAX, and don't ever purchase a car from a private owner without getting a small check first. I cannot stress that enough. Many times, you know, people call me up. Hey, I just bought a car private owner. I said, Did you get a small check? No. Why do I need to go? Small car looks good. I said, Well, you should get we'll get a small check. They go get a small check, the car doesn't pass mark. That's happened quite often in my business writing insurance. So if you're going to purchase a car from a private owner, make sure you and don't, do not take their word. Make sure you get a small check first. Now if they say, hey, well, here's a small check right here. No, even if you have to pay whatever it is to get the small check. It's a small investment for peace of mind. Let me say that again, it is a very small investment for peace of mind that you know, and you're not, you're not giving a person 1000s of dollars. And the car doesn't pass small regardless of how many miles are on it. It just gives you. A security blanket. Not only get the car smog, but run a CARFAX check on it to make sure the car was not any major accidents. Now, if you have a salvage title, if you have a salvage title, that means you bought a car, and with a salvage title is going to be very difficult to get insurance with collision and comprehensive on the salvage vehicle, because the insurance companies have deemed this car, deemed this car unsafe. That's why it's title salvage vehicle. Do not purchase a car with a salvage title, and unless you're going to use a car for parts. Let's say you buy you know, older car or a car that you're going to use for parts. That's okay, if you're going to take parts off that salvage vehicle, and you're not going to register the salvage vehicle, but you're going to use those parts to put on your put on your car that you're building, or whatever you're doing your project vehicle, you need a salvage car with parts on it to take parts off that vehicle and put it on your new vehicle. This is News You Can Use. My name is Donald Marquez. This is your insurance connection. 70223626247022362624

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I encourage again, when you before you purchase a car, let's get a quote on the car insurance first before you make your final decision, so you know exactly if you're financing the car. You know what your payments are going to be. You know what your car insurance payments are going to be. Now, it's always better to pay your car insurance for the full six months or a full year in advance. I try to offer yearly policies as much as I can. Sometimes people do qualify for the yearly sometimes they don't, but if you could pay your car insurance policy in full for the term, you're gonna get a better discount you are now when you go on here on TV, we can save you how much whatever you know. You've seen the commercials. I've seen the commercials, and they bombard us all the time, but it's just they don't tell you the the ins and outs. They don't, they don't, you know, they're not talking about Vegas number one, they're not talking about Vegas. They just Southern Nevada. They're not talking about us. That's, that's, we're excluded out of that conversation when 15 minutes to save you, or, you know, bundling and all all that stuff you hear on television, you know, they're not talking about us here in Vegas. You know, Vegas is unique. It has its own individual. You know thing, when it comes to insurance, I don't know why we, we it's a lot of reasons why we charge more for insurance here in Vegas. And not to say that me, but I'm just saying in general, we pay more car insurance overall than in most most states. I'm gonna say that in most states, we pay more for car insurance. Every city has a something that's our something, and to get your car registered. If you're just moving to Vegas, you're gonna find out quickly that our car insurance rates are a little bit higher, probably than where you came from. It is what it is. It's Las Vegas. Welcome to town. Even again, your car is registered. I've heard people say I only cost $30 to get my car registered, really, but it's gonna cost a little bit more than that here in Vegas. Find out all the details first, before you purchase a card. You can even find out, you know, get it around, about what is the what the registration will cost before you make a major purchase. These cars today are major purchases. You know, you go in debt, 40, $50,000 for a car today. You know, a lot of debt, and your car payment is very expensive, you know, that's a lot of debt. And then you got your car insurance on top of that, if you have 16 year olds, 17 year olds, 18 year olds, that you planning on buying a car for for Christmas, you really need to shop for the car insurance. You know, I know you have good children, straight A students. All that helps, because, you know, you can get the good student discount that does help. But you keep in mind listeners that your your children or your grandchildren, you thinking about purchasing that car for and they're only, you know, let's say they're 18, and they go to college and you want to do something special for them, the insurance is going to be a little expensive. It really is going to be a little pricey. It's not like it was, you know, back in the day. And I know think of some of you think that way, but you know, the the young driver just does not have enough driving experience, especially young men, especially young men. Just want to let you know it's not, it's not just me, the companies that I offer, you know, but no, it's overall in general, you really need to look, think about it twice before you purchase that 18 year old vehicle as a gift for Christmas. Because, you know, if it's not in your budget with the car payment or the car insurance, if you pay cash for it, you know, like I said earlier, if you buy from a private owner, get. The smog check and run a run a CARFAX on the car to make sure there's no damage on the vehicle or it's not, it doesn't have a side. Do that, do not purchase a car with a salvage vehicle. Just to recap a little bit. Do not purchase a car with a salvage vehicle unless you plan on using it for a parked car, to use those parts to put on your project car. But other than that, you know, I mean, as you see, many people drive on our roads today. And I got to say one thing about Vegas, and I've traveled a lot of places in that country, Vegas, we have some nice roads here. We really do. I was in California, and about a couple months ago I went down to see family in California, and those roads in California are rough, you know, there I was. I drove my sports car. I have a sports car and, and I just, you know, you know, I have an SUV in a sports car. And I said, Well, you know, I need to take my sports car on a journey. So, you know, California is only what, three hours away. I took my sports car down and, you know, and I have a convertible. It's nice and oh my god, the roads were just rough. You know, you know, you don't feel it as much in the SUV, but the roads in California was just horrible, coming coming off the mountain, coming in, the state line in Vegas, coming back, I'm talking about coming back, crossing the state line, the roads just smoothed out like I was floating on glass. It was a it was a major difference. And all that is wear and tear on your car, all the potholes everywhere. But, you know, I, you know, we complain about the traffic a little bit in Vegas, but we really don't have traffic. I was coming down Cohoon path, and that was real traffic. And I don't understand why our Cohoon path gets a lot of traffic these days, coming down that mountain, or even going up at some time, but coming down the mountain in the San Bernardino California era, there's a lot of traffic. And you find out quickly in Southern California how raggedy. I shouldn't use the word raggedy, but how, how how the roads are not well maintained. That's a better word to say, how the roads are not well maintained, not like that here in Vegas or Vegas, I was happy to come home now, you know, not only that, but hey, I like traveling, but I always like coming home to Vegas. You know, it's a little hot in the summer, but there's no place like Vegas. You know, you can get a nice meal for a reasonable price. And some restaurants, not all restaurants, but, but over there in California, you know, I just, I just like being at home anyway. My name is Donald Marquez. This is your insurance connection. 702-236-2624

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702-236-2624, I life insurance, loved ones with underlying health condition, okay. Loved ones with underlying health condition, lupus, history of cancer, heart disease, Alzheimer's, dementia, organic brain syndrome, known as Lou Gehrig's disease. There are policies out here for you diabetics. Oh my god, diabetics. I didn't realize how many diabetics we had. Get your a 1c checked, and men make sure you go to the doctor, get a get a checkup every six months if you're over, if you're over 55, years young, right? Get you should be getting a check up at least once every six months. And especially if you're in your 70s, you definitely should be getting checked out once every six months, get your blood draw, make sure I'm gonna get your PSA done. You know, this is, this is very important. I've talked to me. I talked to a lot of people in 28 years in the business, 28 years getting up every single day, offering life insurance to my beloved community, Las Vegas, Nevada and California. You know, I've talked to a lot of men that just don't go to the doctor. I don't understand why you don't go to the doctor. And I've heard the story before. If it's not fixed, why? You know, if it's not it's not broke, why fix it? Yeah, that's, that's the old cliche. Well, if it's not broke, why fix it? Well, how do you know it's not broke? Because they're, you know, the prostrate is a silent killer. And I say this because I've had people contact me and say, You know what, I need life insurance because now I'm stage one on my prostate. You know, I'm stage two cancer, and I didn't have any life insurance prior to being diagnosed, but now I just need something, just to be safe, just to make sure my family is taken care of. But what happens when you wait? And it's not always a good idea to wait you, I can offer you. I can only I'm limited on the coverages I can offer you from the one company now I can, I can put together a package where you know, this company is offering you $25,000 a face amount. Another company is offering you 15,000 I have done that in the past because sometimes people with underlying health conditions are limited the amount. Amount of life insurance they can purchase on a whole life policy is, you know, when you buy these 10 year term policies, you know, there's no physical you sign up 10 year term policies. 10 years go by quickly, and they have a two or three year wait period within these 10 year term policies, a lot of companies, you know, other than myself, you know, offer these 10 year term policy now I will offer a 10 year term if it's right for you at the time, because maybe you have a business partner, you have a business and you just want to add insurance on you, on yourself, and then your business partner add insurance on himself or herself to cover the business expense, especially if you've got a loan for the business and you have business partners, it's not a bad idea to go into a 10 year term, but I don't like to offer 10 year terms. 10 years go by in the blink of an eye, and then you find yourself purchasing a policy at the end of 10 years. Now they're out there. I don't necessarily offer them only if the circumstances warranted. But you know, this is why, this is why I take every individual they come and make an appointment, come in and we go over your insurance concerns. It's not a back and forth. Well, how much insurance you well, how much you have to pay? It's not like that. I'm gonna ask you the right questions to find out what your needs are and to find out what do you qualify for. Like I said earlier, there are policies out there that will cover people with underlying health condition up to 85 years young. Don't wait that long, because the rates are based on your age, your health, the medications you're taking, do not wait. Waiting is not a good answer. Now we're getting ready going to the holiday season. And I know you listening to this program, and you say to yourself, well, you know, Imma call Don Marquez the first of the year. Don't do that. What's the difference between the first of the year and right now, tell me what's the difference? The first of the year you might get, you might have a birthday between now and the first of the year. No right after the holidays, people recovering from the holidays. You have New Year's, you know. And you know, the time goes by. You have a Super Bowl and a little bit more time go by. We have taxes and Easter and now we end of the summer time. And now you you listening to the program today, but that phone call is not made until probably six months from now. Make sure your family is secure. They don't have a large funeral bill that's up to 15 to $20,000 today to bury your loved ones in the in the you know, the mortuaries want all the money right now, you know, some people can't afford that. They can't afford it. But if you can go out and, you know, buy a new car, and a new car is costing you almost eight, $900 a month in car payments, and then you have insurance on top of that, you know, sometimes maybe you just need to buy a car that doesn't cost as much. You know, you could reduce that down a little bit on that car purchase and purchase your life insurance. So instead of getting a car that cost you $800 a month, man, maybe you want to look at something about three or four, $400 a month, even $500 a month, leave a little wiggle room for life insurance. There's many times when people come to me, you know, I retired, and I was on the extended portion of the policy, the group policy. I was on the extended group policy. In other words, you were worked for a company for many, many years, and you are insured now, the group wants to stay young. Now you're getting older every year. The group is getting older too, but they don't want retirees under Group rate insurance. You just can't get the group rate for the same face amount, three times your salary. And then even that today is not a whole lot of money, three times your salary, unless you're making well over $100,000 a year, three times your salary, that's $300,000 but if you're paying for it every month, you do have other options. Let's keep in mind, when your person retires, they may or may not have the life insurance offered to them. I have many people come to me and say, you know, I retired from my my career. I've been there for many years, and now I need life insurance because my life insurance ended when I retired, when I retired. Now, of course, you could have health conditions or, you know, you could not. It just depends. Everyone is different, and I treat. I don't put everyone in the same box. You know, your health is rated, your height, your weight, sometimes it's rated and sometimes people smell cannabis. And I've had this question asked, if I smoke cannabis, recreational cannabis, do, can I get a life insurance policy? Yes, you can. And if you only smoke cannabis, you won't be rated as a smoker. I know how to figure that out, but, but if you smoke cigars from time to time, too, they are do have companies that will will not rate you as a smoker if you smoke an occasional cigar. But. You know, we have to just wait see how often you smoke cigars and how often you smoke cannabis. But if, but cannabis smokers, if you smoke cannabis and it's recreational use and you don't have a prescription, we can move forward with you. And if you only smoke cannabis as a non smoker. My name is Donald Marquez For more information, 70223626247022362624

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is my contact phone number, and if you, if you can't call me, you can always text me at 702-236-2624 I do have a website, unfortunately, I just don't go on it like I should. It is better to contact me because I've had people say, you know, I went on your website. You know, I'm I'm busy. I don't really look at my website. I'm being honest. I don't look at my website that often. I know what it looks like. I depend on the phone call. That's more personal contact. I like talking to people just to find out what your needs are like. I need a list of your medications that you're taking, and then we'll go from there. I do have companies that don't ask the question, Are you a cannabis smoker? What's your height, what's your weight? And there's no physical, there's no physical there's up to $35,000 in Whole Life coverage, no health examination to apply, just a few health questions, one page application. Most people qualify for the coverage even with health issues, and rates and benefits are locked in for the life of the policy. So this is the key right here. This is why we all need an insurance quote, because your rates and benefits may change because you purchased that policy A while back, and all of a sudden, as you get older, you're finding yourself with a life insurance policy that goes up every year. Is suggesting because what you purchased, and you didn't realize at the time what you purchase is called a flexible life insurance premium, a flexible premium policy. And what does that mean? That means your premium goes up as you age. This is why it's important to get an insurance review. I do not charge no obligation life insurance review. The only obligation you have is make sure you come on appointment on time, because I'm very busy, and to bring in your life insurance policy with you. Now, if you don't know where your policy is, you can contact your life insurance company and they will issue you a duplicate policy. Sometimes there's a minimum fee of $25 or they can email you your life insurance policy. When you receive your statement, annual statement, in your life insurance policy, review it. Review it, and you see your cash value. You'll see everything that's going on with your policy. You can see your premium, you know. And if you don't understand why your rates are going up, you know, you need an adjustment. Do not cancel the policy. Let's go over it. Maybe we can work it out, you know, and especially if you have health conditions. Now, when you first bought the policy, didn't have health conditions, but you have health conditions today. Let's work it out where you don't cancel the policy. That's your savings account. Do not cancel your life insurance, because that's your savings account. My name is Donald Marquez. This is your insurance connection. 702-236-2624 702-236-2624, my location is on the corner Rancho Sahara in the US bank center located on the eighth floor. 7028 702-236-2624, everyone. Have a great weekend. We'll do this again next Sunday, from 8am to 830 until then, just keep it crispy. Thank you for listening.

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