YOUR INSURANCE CONNECTION

Unknown Speaker 0:00
The following is a paid program sponsored by your insurance connection. Please be advised that the voices and opinions you hear do not necessarily represent the views of K u and v Las Vegas, the University of Nevada, Las Vegas or the Board of Regents of the Nevada System of Higher Education.

Unknown Speaker 0:21
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.

Unknown Speaker 0:41
Good morning Las Vegas. My name is Don Marquez and welcome to another edition of your insurance connection right here at K u and v 91.5. Jazz and more. Before we get started, I want to say Happy Father's Day to all fathers. And I have to say this to you know Happy Father's Day to all the mothers that hold it down on both hands, mothers and fathers. It happens we know what happens but Happy Father's Day to the dads out there is going to be a beautiful hot day in sunny Las Vegas, Nevada. We all should enjoy our evenings here in this hot town. I get outside. And what I'm going to do is get outside and get on the barbecue and put some steaks on the grill and enjoy my day. Now this show was pre recorded. So I hope we have a basketball game today because I am a basketball warrior fan all but my Lakers are not in. That's my main team. But I have come accustomed to really liking the Warriors. So hopefully, we'll have a Father's Day basketball game to watch. And there'll be a special treat. If not congratulations to the to the Golden State Warriors. They defeated the Boston Celtics. But again this show is recorded. My name is Don Marquez, we talk about insurance. And other things on your insurance connection. I broadcast right here at K u and v 91.5. Jazz and more from Sunday morning at 8am to 830. been on the air now for about a year and a half. And I want to thank Ashton, the general manager over here and also my engineer, Kevin, my engineer for keeping the time. And I want to thank you, the listeners to tune in and calming. They contact me and they talk about their concerns about their current insurance and I receive a lot of calls about your car insurance rates. Understand, I also pay very high car insurance rates in Southern Nevada, and especially to people just moved to Vegas. They think that our race for whatever reason, is lower than the last state they came from. They came from the middle of the Midwest, a little small town in the middle of the Midwest. They come to Vegas, and they just in their minds just got it got no the rates are lower in Vegas. There's some small Midtown in the middle of our beautiful country. Somewhere in the Midwest. No, no, no, you got it all wrong. Even people come from back east they like okay Vegas race has to be a lot lower than the race we pay people from Chicago, all over this country. The people coming to Vegas to live here thinking our car insurance rates are a lot lower, and they're not. They're not they're used a little higher than probably what you're accustomed to every blue moon I can write a policy that the rates are a little bit lower than the state you came from that because that's the comparison now that people are already live here. They already know what the rates are, do we try to shop for you and your in your behalf defined? First of all I look at the coverages to make sure there you have the right coverages for what you need. If you own a home, do not care the state minimum requirement the state minimum requirement on auto insurance policies 25,000 per person 50,000 Each accident $25,000 Prep or $20,000 property damage Excuse me. And of course collision and comprehensive and as the people can have $1,000 Each on collision and comprehensive. They may or may not have rental car. Usually people do have the towing and labor services included and you know your rental car reimbursement is not when you go rent a car is when your car's on repair shop for a covered loss. So you will not be without transportation. But I have people say well, you know I don't need a rental car because you have two or three cars and you don't loans you have two or three working cars and this two drivers, three cars and a household. You may not need a rental car or if you have two cars, you may not need the rental car that'll save you some money. But the best way and I've said this on the show before if you look in the shop for auto insurance, increase your rates to bodily injury to 50,000 per person if you have to state minimum of course 50,000 per person 100,000 Each accident 50,000 Oh $100,000 property damage by doing that, yes, it's going to increase your rates with your current carrier, but it puts you in a much better position to shop. Now, when your course you know, when you chose ads on television, you know, 15 minutes to save you, you know, for for great low rates call. We've heard it over and over again, right? We've heard it over and over again, we've seen flow on there too. I like flow actually, because I sell flows product. I sell Progressive Insurance. Actually, progressive is a pretty competitive company. It really is. I use it. And I find it being you know, competitive. Now, I'm an insurance broker. I represent multiple car insurance companies, that was one I mentioned. But all my car insurance companies are preferred companies. If you've been with your insurance carrier for over three years, without a lapse in coverage, and you paid your payments on time, and there is no there is no claims. Let's look at shopping for you. Auto insurance carrier that have favorable rates for you that we know I have multiple carriers I use. And sometimes we're successful, sometimes we're not, we just have to pull the plug in and see what's going on. I know when you have that young driver, getting ready to go to college, or getting rid of draft for the very first time. And you go out and purchase a car. What is a new car used car now it's three drivers in the household mom, dad in junior year, right? And now you go out and buy Junior car. And he's only like 18 really the rates I know you have a good child, don't get me wrong, I have a good child too. But I still have to pay those rates when he turned 18 Or when she turned 18. And I still have to pay those rates. Those rates are that you know when you have a young driver in your household, it is always better to have two cars, three drivers. Let me say that again. Two cars, three drivers. Now. Now we can put Jr on or your daughter on as a part time driver. My name is Dawn Marquez, this is your insurance connection. My contact number is 702-236-2624 702-236-2624 located on a corner in our beautiful city right in the heart of our beautiful city, Las Vegas, Nevada. Oh, Rancho and Sam. All roads lead to Rancho and Sahara we get the I 15 leading to Renaissance era, one block west of the eye 50. And across the street from the palace station Hotel and Casino. 702-236-2624 is my contact number. I work by appointment. My business hours are Monday through Friday from 10am to 5pm. If you don't want to come in the office, we can we can do a lot of business. By way of phone, I would say 70% of my business is probably done by way of phone, that other 30% they want to come in they want to meet me or shake hands and get down to business. And I give you about an hour and a half of my time, I want to have to two hours, there is no obligation to get an insurance review. Now if you decide to buy a policy because the rate sounds very favorable to you. Then we will move forward now you don't pay me a fee when you purchase a policy. The insurance companies compensate me by way of a commission. You don't pay anything. Hopefully we can save you some money we review your auto insurance, your homeowners or your renters, we bundle those two together to get you the discounts on the home. And also the auto they discount each other. The new term now is the bundle and we do bundle it and it does give you the most favorable discount if you are married. And I've seen this happen over and over again. Many times in my career if you're married, and you just got married or you've been married for a while the wife I have her own car insurance policy. And the husband has his own car insurance policy. And they don't merge the policies together on one policy, but they're wondering why they're paying so much for car insurance. They're losing that value but discount the marriage discount you have to merge your policies together with one company in other words cars a you and your wife or you and your husband

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keep it right today keep it crispy right so you both on and together one policy and then you are you maximize the benefits because now you get to the multiple car discount the marriage discount and life goes on. Now if you would like to get one of those put one of those devices in your car you could download the app you know most insurance companies do today offer the tracking device. That's what it is. It is a tracking device you can download on your phone, your tracking device, it does monitor your driving activity and it also gives you a discount and sometimes all discounts are pretty favorable. But if you you know you'd like to go fast a little bit. If you got it you know you got that lead foot. The tracking device is probably not a good idea. for you. Now, there's two different ways you can do the tracking tracking device you can put, you can insert a chip in your car, where they look at your car, and they put the device in there to check your emission systems. That's where the right underneath the driver, or the driver side, they look underneath the dash and they plug the device in. And it monitors your driving activity, it talks about it reports, how fast you go, how quickly you break the monitors a lot. Now, there also is another way to monitor you by way of downloading the app on your phone. And you know that you can be monitored that way. If you are retired, maybe this is a good idea for you to have to save a little additional money on your auto insurance. My show is about finding ways to save you money on your auto insurance policy, your homeowners policy, yes, and we always always talk about life insurance. You know, there's no savings and life insurance was based on your age and your health. But when it comes to auto and homeowners insurance, there's a lot of flexibility there. We can look at coverages. We can look at, you know, your tickets accidents, if you do have an accident, keep this in mind. When you if you go to your insurance carrier, and you file a claim against your policy, and you still and you do not have the information on the person to hit you. Let's say you're not at fault, let's back up a little bit and say you're not at fault. And you gathered the information from the person that hit you. You should not file a claim on your own policy. Because if you do, I've seen this many times in my career after the claim is paid and everything is taken care of these companies sometimes report you at fault. Of course, you know, throughout my careers, I pulled this information up and people you know they're a little upset. Because now instead of isn't what I asked him I said on this particular date, tell me exactly what happened who was cited. And I said what the other person that hit me was cited the police showed up and gave them to ticket and I wasn't at fault. They were at fault. But I asked him Did you file a claim against your own policy? Yes, I did. But they're reporting you're at fault. Okay, you're at fault. Now of course, there is some forgivable on auto insurance if his property damage only. If it's under $1,000. I don't think you need to pay extra for that Accident Forgiveness. Accident Forgiveness is only for but only for property damage only. Accident Forgiveness does not include bodily injury harms you can cause others. Now if it's changed, you know, over the years, I haven't seen it change but sometimes every now and then, you know it slips through the cracks or what they'll do with Accident Forgiveness is cap it at a certain dollar amount. However, with the Accident Forgiveness, keep this in mind if your accident is under $1,000, which most of them are over $1,000. You don't mean to have to pay for that Accident Forgiveness to the insurance companies probably forgive you anyway. It won't increase your rates but you do lose the discount. I know it gets a little complicated. So well what happened? My rate went up i You told me I wasn't not at fault. But you lost your accident free discounts. This all happens. Here's another one I see a lot. People go through the carwash right you go you go to put your car up to carwash. Here's a guy with a with a towel in his hand and he's wiping on your windshield, and you think he's cleaning your windshield to get her ready to get your so your car can get wash right now. They're looking for cracks in your windshield. And they tell you you don't have to pay for it. No, and it sounds very attractive. So they put the solution in there. And it makes it you know, makes the crack even more apparent when you see it through the windshield. Now of course a car goes to the carwash and they they will take care of it and your insurance companies will take care of it. And all of a sudden you've done this four or five times I've seen people do it as many, many as 10 times. I don't know why you don't don't replace your windshield, but they do with multiple cars in their household. All of a sudden now their rates are starting to go up because now you have all these claims. You file all these claims against your policy to get your windshield crack repaired. And they tell you it's not a claim. It is a claim. Because your insurance company your auto insurance company is going to pay for that solution. They squirt into your windshield I think they get pretty decent money me maybe like $75 Every time they scored a little solution and it's to their benefit if they're doing like 100 cars a day through the carwash and if they can get 10 of those cars with that solution that's $750 a day. So that's that's pretty good. That's pretty good. money for it. For a little hustle there at the carwash to prevent your windshield from cracking now it will not prevent your windshield from cracking if it's going to crack is going to crack I've had my windshield hit with a rock, I was on my way out of town one day, driving down the roads, I was on my way to San Diego, going to San Diego, and my windshield was hit by one of those trucks, you know, of course, you know that happens. And then the rock bounced and I got a little crack. By the time I got to San Diego, that little crack turned into about six inches. And it kept growing. But it happens, it happens. So I have my whole windshield replaced when you carry a lower deductible and comprehensive. This is when comprehensive coverage will will replace your windshield on your auto insurance policy. Now comprehensive is when fire theft, windshield replacement. It fallen objects fall on your car. In other words, if someone's driving in front of you, and they have items on the back of their vehicle, and it hits your view those item falls off their vehicle and bounces on the ground and hit your vehicle, then you you're considered not at fault. But if you're driving down the road and you hit an item in the road and you cause damage to your car, you could be considered at fault. But if you file a claim and say okay, this this item, and this happened, and this item came off this back of this truck or vehicle, it bounced on the ground first and then hit my vehicle then you're not at fault. My name is Don Marquez, that's a little hint there that my name is Donna Marquez, this is your insurance connect connection, my contact number is 702-236-2624 702-236-2624 that d m v, you know they're changing the ID cards. So they're gonna have that your picture on there with some other information so you can board an airplane. So I think it's up the next year, you have to do it by next spring. So keep that in mind. It even if your driver's license is not up for renewal. But you do need that, that ID on your card on your driver's license a particular ID on your driver's license to board an airplane. Or if you don't have it to my understanding your passport will do. But it's just the hassle of it all if even though your driver's license hasn't expired yet, you may want to get that taken care of. As soon as possible, you can make an appointment with the Department of Motor Vehicle, just go online and put your information on them and get you an appointment. Are you in and out in less than 30 minutes. Now if you handicap you're in and out a lot quicker. Or you you know, you tell them, hey, my leg hurt. You know, I'm a little disabled. There's no problem they'll get you in and out of the DMV quickly. But the best way to go to DMV, if you have to go in you do have to go for certain reasons. If you have a classic car, you do have to go to the Department of Motor Vehicle and get your car registered. I know because I have a classic car and every year, I have to take a picture of my speedometer on my classic car taken into the Department of Motor Vehicles so they can look at the mileage. And it because you only get 5000 miles on a classic car. But who drives a classic car 5000 miles. That's pretty much a daily drive if you drive over 5000 miles, but you know, on your classic car, you take a picture of your speedometer. With the mileage on it. Every year you have to go into DMV, make an appointment. And if you can, and let's say two months from now your your other vehicle is ready for you know has to be registered, you might want to get everything done all the ones I don't know that way. When you do go to the DMV, you can get more than one car registered at one time. Now if you are a veteran that you do give valuable discounts to the veterans think it's up $250 off your car registration, you'd need to double check with the Department of Motor Vehicle because sometimes it changes it could go up to be even a little bit more than that, but $150 off your registration, more ways to save money and that's what this show is all about. And advising you about your insurance. You know, letting you know this show is about an educational show about insurance. I've been on the air now for a year and a half right here at KU a V 91.5 Jazz and more. I'm an insurance broker. I've been in the business since 1996. There's a lot I've seen since 1996 and I'm pretty sure I'll see a lot more My name is Donnell Marquez, this is your insurance connection,

Unknown Speaker 19:24
my contact number is 702-236-2624 702-236-2624 lock my number in your phone and and share it that's okay you can you can pass my number I love referrals so I'm okay with that. I get referrals all the time. People call me say well you know my friend and lose your friend. Well this one gave me your number and it was given to them by someone else. They heard you on the radio and they like what they hear. They like what they hear now by your Excuse me, buyer beware. If you buy a salvage title, excuse me, if you buy a salvage title vehicle, you cannot get collision and comprehensive on a salvage car. I've had people contact me so I just purchased this vehicle. It has a salvage title. Right? You can only get liability only I don't care how new the car is, even if you have a loan against the vehicle. Yeah, I mean, that's not I mean, that's not wise to finance a salvage vehicle, because it's going to be very difficult for you to get collision and comprehensive. And some people call those coverages full coverage, which you can now get it on a salvage vehicle or upsell or salvage motorcycle. Keep that in mind if there's a salvage title. Stay away from it. What you need to do is just go you know do a CarFax. Do a CARFAX before you purchase a car, have the vehicle checked out. I've had people come to me. And you know what I didn't get a smile on my car but I realized it didn't pass month after I paid this individual cash for the car. Well you just bought their problems and you didn't get a smog before you purchase the car. Even if you do nothing if you don't get the car checked out. Go get a smog before you purchase the vehicle. This is News You Can Use My name is Don Marquez. This is your insurance connection. Happy Father's Day. To all the fathers out Did you know the thing about Father's Day I love so much. You know if you want to go to a restaurant you can but most dads want to stay at home relax you know watch the game of his game on and just stay you know enjoy their families in the backyard. If you have a pool you know get in the backyard, relax, listen to your music, put something on the grill. We really don't want to go to the restaurants we really don't this is early in the morning show. So if you thinking about taking your dad out, he probably really don't want to go you probably can really easily to go go to the to the store. Get a nice steak steak. A nice thick one. You know one of those tomahawks right is Hey Dad, we got your tomahawk steak and you know your favorite beverage whatever that may be wine beer well, or you know the other beverages as a dad is we got you for father's day he would love it. But hey Dad, you got to get dressed up and go over here to this restaurant and my son called me and say Dad, we're gonna take you out to for breakfast meal he told me this two weeks ago. Is it dad for Father's Day, I'm telling you giving you a heads up. We're gonna take you to breakfast and for Father's Day I said Son, you don't have to do that. I don't want to you don't have to go out and spend $50 for eggs. All right, that's not necessary because I'm gonna my son he like really nice restaurants. I'm the same way. I told me if you want to give me some give me a nice bottle of wine a nice bottle of Cabernet. You spend that $50 on some Cabernet, I don't want to I don't fit it all is where the eggs and what I Cabernet, I can enjoy that for the rest of them. My father's day evening. My name is Dr. Marquez, I like to have a little fun sometimes, you know, 702 to three 620-620-4702 to 362624 We'll put that home and outro together to give you the bundle homeowners. Let's look at that homeowners insurance to make sure you have enough coverage on your house, just in case there is a total loss. I've seen these houses under insured. I don't know how to get past underwriting with some of these homes in the valley. Or under insurance sometimes you pi pay for price and you get what you pay for. Insurance is no different. You know you get what you pay for. If you're looking for some inexpensive and someone comes up you're gonna find out that cut rate insurance wasn't the best insurance to get at that time. Now, again, insurance companies are not doing anything illegal. They just want to let you know hey, this is what you wanted. This is what you got. Now, for instance, on some of these homeowners insurance policies, they they do not cover inside flood. They do not cover in sight flood and how do you get inside flood? A water heater can break the bottom can fall out, causes spills everywhere. That's considered an inside flood. Now you find out quickly on your homeowners insurance policy that they will not cover for the cleanup or the mole of the fungus. They won't because it's excluded on your homeowners policy. And people are like I don't believe this. I thought my house was covered. No, you have to read your contract, especially when it comes to mold and fungi. Some of those policies are excluded because our water is very hard here in the valley. We have very hard water in Las Vegas Valley. We do and this is one of the ways to save money by excluding certain items on your homeowners insurance policy. Or I've seen this. I've seen this where, you know people come in and I look at their homeowners insurance policy and I look at the dwelling amount and you're doing lien amount is under insured, you have to review this information, it comes in the mail, once a year review, just don't look at the prices on my homeowners one. You don't even look at the coverages only house, or the property on your house, if it's covered or not. This isn't what I'm looking at first. When I write a policy, I want to make sure it's updated. The coverage is only a house is is kept up with a cost of inflation, the cost of labor, the cause of luck, cost of building materials, that makes sure if you do have a fire, or total loss, you are covered. And you know, I sleep easy at night because I write policies that I don't have to worry about on the back end. Hey, this is not right. That's not right. I don't do that I've been doing this way too long. I don't I don't sacrifice coverages. For you know, I just don't, I don't, because if something happens, you're gonna blame me. Okay, but you sign the contract. But I don't do that. Even when I first started in this business, I was trained not to do that not to cut coverages cut corners, because when you do, it'll come back to bite you. And I'll sleep at night. And I'll sleep good at night. Because I know when I write a policy, it's the right policy for you. It really is now, auto and homeowners insurance. Again, they do discount each other. They do discount each other. And keep in mind we have life insurance at your insurance connection. There's term insurance to purchase whole life and universal life. Let's let's sit down together, let's figure out what you need. You may not need term. Now, if you like over 60 years young term is not a good option is not there's really not unless you're looking at a 10 year term policy because now you're in a business, or you want to cover a 10 year term policy maybe because I don't know if for whatever reason, you want to get a 10 year term policy 10 Years go by in a blink of an eye. And if you're 60 and over and older than that, you know 10 years goes by in the blink of an eye. So why would you want a 10 year life insurance policy more than likely you're going to outlive that 10 years. Now, when it comes to life insurance. Over 60 We have a couple of options. A universal life whole life term is still on the table. But you know, whatever you would have you outlive that term policy or you don't convert it over to universal life. You know, it's a little bit more challenging to get life insurance at at than it is at your current age 702-236-2624 702-236-2624 My Location is on a corner of Sahara and Rancho and a US bank center located on the eighth floor, our work by appointment only I know some of you have showed up unannounced. And if I'm not busy, I'll come out and take you back to my office and we work it out. But I'm on the eighth floor in the US banks and I really prefer you to call me then we'll sit down and you know put them on appointment book. When you come in. We'll sit down and we'll work it out. 702 to three 620-624-7022 362624 enjoy this beautiful day right here in hot sunny Las Vegas, Nevada. Stay cool, you know hydrate as much as you can. When I leave my home. I take a bottle of water with me a nice cool bottle of water with me. Because just in case you know, I just like to drink and drink water and drive because it keeps me nice and cool. Until next week. We'll do this again. Keep it crispy. Thank you for listening.

Unknown Speaker 28:42
You have been listening to a paid program sponsored by your insurance connection. Please be advised that the voices and opinions you heard do not necessarily represent the views of K u and v Las Vegas, the University of Nevada Las Vegas or the Board of Regents of the Nevada System of Higher Education.

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