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 0:42
Good morning. My name is Donald Marquez and welcome to another edition of your insurance connection right here K u and v 91. Playing five jazz and more happy Sunday morning, get you a cup of coffee, you know your favorite beverage in the morning. And let's tune in to some insurance information that I've come across. And you need to know as well when it comes to auto insurance. You know, I've had some calls people lapsed on the auto insurance policy, I don't know how you do it. But in the state of Nevada, the auto insurance you sit not lapse on your auto insurance. And this is why because in the state of Nevada for the first 30 days, they will charge you $250 per car for a fine now if you have multiple cars, just imagine that bill going up so you wouldn't be really careful about your policy lapsing. However, if you're paying like on a month to month insurance every 30 days, you get a new ID card. That can easily happen. If you have three cars, just imagine that $750 You owe to the Department of Motor Vehicle here in the state of Nevada, and you need to get insurance and get your cars you know, just pay that fine. So you can get insurance. So you have $750 And now your policy is lapse you still need to get the insurance. What happens is when you have a lapse in coverage, you lose a discount, you lose a discount. Now most most of us do not lapse our car insurance. But I've had calls when people have law lapse their car insurance, not a good thing in Vegas to lapse your car insurance. I know the rates for car insurance is a little costly and compared to other cities. People transfer from other cities coming to Vegas. And I said well, you know, and their mind they think the car insurance is a lot lower here than their previous state. Now no matter where they came from. The people have that attitude. I don't know why. This is Vegas. Every city has something that's our something the car insurance, the car registration. That's our little something. I rather take that over earthquakes any day, hurricanes, tornadoes any day. I've been in the hurricane and it's not fun. I've been in a tornado and it's not fun, but I can deal with the cost of car insurance. You know, I can deal with that other than those other disasters. But like I said, every city does something and that's our something here and we're here in Las Vegas, Nevada. My name is Don Marquez. This is your insurance connection. My contact number is 702-236-2624 702-236-2624. I'm located on the corner of Sahara and Rancho. I work by appointment Monday through Friday from eight from 10am to 5pm. Monday through Friday and my location is on the corner Sahara Rancho. In the US Bank building, located on the eighth floor 702-236-2624 is my number. Vegas I mean a lot happening right now the cars are going up in value. And I know there has been an insurance and justments on your auto insurance because the value of the cars not because you know your car is getting older because your car is getting more expensive to replace repair. That this is why parts have gone up everything has gone up. And even the cost to repair replace your vehicle has gone up. Even us pre owned cars have gone up substantially. And when this market that we maybe it'll turn around, hopefully it will, but I do have faith that it will everything will level out. But you know people complain about the car insurance I understand now there we can make adjustments on your car insurance policy. We can sometimes lower your coverages to adjust to your budget. That's a possibility or sometimes we can just get you another insurance auto carrier. Now another insurance auto carrier you would have the option to adjust your coverages or your we can up your coverages. Sometimes, you know when we compare quotations sometimes I can give you a better rate of better coverages, you know higher higher limits of liability. That's what I'm talking about. Because insurance we offered liability to protect you when you're in a car accident protect you when your car is lost or stolen. You know or we protect you all together when you hit someone in the car accident and they come after your insurance you are protected. That that's why they don't come after your personal assets, when you have insurance car insurance we're talking about right now, they don't come after your personal assets. Can you just imagine that people drove without insurance, they insured themselves. And a lot of people will open themselves up for lawsuits, they will come after your personal assets. So if you receive a paycheck, that's a personal asset. I've heard people say, Well, you know, I don't have any assets. Well, your paycheck is your asset. If you get a paycheck once a month, once a week, every two weeks, that is an asset. So don't ever think your assets. So even within car insurance, that you cannot be sued. I've seen in my years of insurance experience, where people don't have enough car insurance on their policy. And they were sued for the balance. For instance, for an example, if you injure someone in a car accident, right, and their bodily injury in the minimum state in Nevada, $25,000 per person 50,000 Each accident, and $20,000 property damage $20,000 property damage doesn't really cover a lot of cars today. But it does cover quite a you know, it does cover some but not as many as it used to $20,000, it's a lot better than it used to be, of course, but just imagine, so you injured someone in the car accident, and then now their doctor bills $100,000, but he only have $25,000 worth of coverage on your policy. If they if it goes to court, the judge could award the person that you hit the plaintiff money from you to pay them every single month until the debt is paid. For example, if they have $100,000, and you're sure it's 75,000, because you only have 25,000 bodily injury, you could be on the hook for that 75,000. Now, there may be some negotiations there, but I've seen it happen. This is a thing I've seen it happen. So it's better even when you're shopping for insurance to bump your rates up a little bit before you start shopping. And now what does that mean? Oh, so if you have the state minimum requirement of $25,000 per person 50,000 Each accident and $20,000 property damage, before you start shopping bumped those rates up to 50,000 per person 100,000 Each accident and $50,000 property damage. Yes, it is going to cost you just a little bit more, not much, not much. But when you start shopping for insurance, with the higher limits of liability, it makes your odds a lot easier to get a lower rate. Because now the insurance companies can see that okay, now you're carrying higher limits of liability. Now you're in a more than a competitive market to shop for auto insurance. Or you may want to bump them up to 100,000 for person three and 1000 each accident and for property damage go to $100,000 that puts you in a much better position to shop for car insurance. I know you hear the commercials on TV, for love and for good best rates, lower rates and surprisingly good rates 20% or 20 minutes to save you this that's a nationwide survey not Vegas, they don't including us in that commercial, believe me and they you may receive something in the mail. But the fact of the matter is we live in Southern Nevada, you know it's okay rates are okay in Summerlin. But I tell you, Boulder City has some excellent rates 89054, I believe so it's a five to 89052. That's the zip code over in Boulder City. Anywhere in the Seven Hills area, you're gonna get some preferable rates and what I mean by preferable rates, it gives you a better opportunity to shop. It gives you a better opportunity to shop now we do rate rate by zip code, all insurance companies do it. All insurance companies rate by zip code it just what they do. They've been doing it way before I came into the insurance business back in 1997. That's when I came into the business. So they've been rating you by your zip code the whole time. Now if you do have younger people driving your vehicles, you know and then we can put down them down as a part time driver. For an example if there's three drivers and two vehicles, we can put that young driver on as a part time driver, so they won't be charged the full rate however, if this person has mom and dad's second car, in other words, there's three drivers three cars, then that person could be listed as a full time driver. My name is Don Marquez, every one is different. Every one is different. You can contact me at 702-236-2624 is 702-236-2624. Located on the corner of Sahara and Rancho in the US Bank Center. I work by appointment business hours Monday through Friday. From 10am to 5pm. I can help you better understand your insurance coverages with an insurance review. Welcome buying the home and auto together to give you the multi policy discount. If you're married we'll make sure that the husband and wife on the same policy together I've seen them where they the husband and wife just got married and they are they've been married for a while. All in the the wife has separate car insurance than the husband, you plan a lot more for car insurance when you do it that way, many ways to save money on auto insurance policy. However, if you have accidents or tickets, you know you have accident tickets, that makes your shopping a little difficult regardless if you increase the coverages or not. But again, what your neighbor pays for insurance or what your family pays for insurance does not have a direct effect on you. It just doesn't. I've had people come to me say well, my neighbor only pays all my mean on my relative only pays well, everyone is different, that doesn't, that doesn't apply to you, is customized to you, your car, your vehicle identification number, the safety features on your car, whether you have anti lock brakes, whether you have the safety features, you know, passenger restraints, airbags, you know, for the driver, and also the passengers, it just really depends on the car you drive, you know, don't go out and get a $90,000 vehicle and expect to pay really ridiculously low rates. It's doesn't work that way. I mean, the car insurance companies is going to adjust your rates according to the value of the car, if it's stolen or if it's in a wreck and it has to be you know, repaired. They want to make sure they have enough money or collect enough premium to cover your vehicles. Now, again, I'm available to shop, I don't share your personal information would any company only like a lot of companies only the company that we select. That's the only time I share your personal information. Only with a company we select 702 to

Unknown Speaker 11:49
three 620-624-7022 362624 I mean I'm glad we're not as windy. Friday was a beautiful day. It's got get pretty warm Friday, Friday the 13th I have my a matter of fact, Stevie Wonder's birthday on Friday the 13th I want to say say again, happy belated Mother's Day to all the mothers. It's Mother's Day everyday mothers are very special. And so our dads but you know mothers can replace a mom no matter what. But hey, Miss Mother's day every day. And I know last Sunday was Mother's Day, I just want to continue to celebration, my son and celebrate his birthday for the whole month. So why not celebrate Mother's Day for the whole month and for the whole year. My name is Don Marquez, this is your insurance connection we broadcast right here. Okay, you want the 91.588 8am Sunday morning to 830. I've been on the air now for a little over a year and a half. And I do appreciate the opportunity to give you this valuable information on this radio station. When we have our fundraisers that please give to a que un v 91. Five, it helps keeps you know this type of programming on the air and also the music can't forget the music. I want to congratulate my engineer Ray. He's moving on. He's moving on to bigger and better things and we congratulate him for all his services and and being with me throughout the recordings to broadcast this show to you right here K u and v 91.5. Jazz in more. We offer auto insurance, homeowners insurance, renter's insurance, boat and motorcycle insurance at your insurance connection. And yes, life insurance. Now. I'm an insurance broker. Now when I worked and when I first got into the business, I was working on Allstate Insurance Company started there in 1997. Learned all I can with Allstate then I got my own agency. I stayed at my own agency for seven years. And when you when you're good at what you do, and you enjoy what you do, you do have other opportunities open up and opportunity opened up for me at AAA insurance company and I took it in a lot of us live off state and we actually went to AAA. I stayed there long enough to get a retirement and I was retired for a little while back in 2015. I decided to go call you know go go to be a broker. I wanted to be an insurance broker because as an insurance broker, I have multiple companies I work with as a captive agent. I go was for Allstate and AAA. I can only sell their products and services. This is a difference between what we call a captive agent only selling the company's products and services. But now as a broker, it opens up a lot of different doors for me. I can do the shopping for you. I do not charge a fee to be your broker. I don't I don't accept any payments in my office as a broker. I represent premium insurance companies well known companies, you know, you know Progressive Insurance Companies safe code travelers, for the auto for homeowners the same job progressive travelers Cepko. We have these a print Mmm insurance companies for life insurance Prudential represent Prudential Mutual of Omaha, Transamerica, Lincoln heritage Life Insurance Company for final expenses. There is multiple companies out there, I know there's a lot of information out there on insurance, but you need a person you can talk to, we know that it's like, okay, when you go online, you put your personal information online, but every single time you call a company, you're gonna get a different person every single time, a different person, you have an insurance agent through me, you have an insurance agent through me, when something comes up is a personal insurance agent that will, I'm in a personal insurance agent that I will take you step by step, no matter what it is, if you need to file a claim, I'm gonna tell you exactly what to do. I'm the first person you should call if you're in a car accident, you know, um, call me and I'll tell you exactly what to do, whether it's your fault or not your fault. You know, one person was in our mood, this person called me, and she was in a car accident, she was not at fault. And it's a good thing. She took a lot of pictures, because she was not at fault. The people was trying to file a claim against her insurance policy. Be there and they didn't, they didn't tell the truth about who hit who. But the person hit her on the side. Right. And he was trying to file a claim against her policy only because she gave her information to the person that hit her. Now, if you're not at fault, why are you giving your information to the people that hit you, there's no reason they need your information. They're at fault. And if they say anything my age, I need your information. So I can file a claim against your policy. Because you hit me, people don't like claims against their own policy, because they know their rates going to adjust. But this is why you have insurance. So if you are in a car accident, take as many pictures as you can of the accident. And also take pictures of the ID card, front and back. And the person's driver's license, call the company right away, do not procrastinate and file your claim. Once you exchange information that gets that opens the door for a person to file a claim against your insurance policy and put you at fault or here's another deal when people personally call their own insurance company up when they're not at fault for it to get their cars repaired. I know you pay your insurance company to your insurance, auto insurance carrier, but you don't call them up for an at fault accident. I mean, not at fault accident, excuse me, you call them for an ephod accident, yes, but a not at fault accident, you want to file a claim against that person's policy. My number is 702-236-2624 702-236-2624. I want to be your personal insurance agent that guide you through the insurance world of you know, it's a lot of moving parts and insurance. I've been in this business since 1997. They're always coming out with something different something new technology is taking us to another level altogether with insurance claims and now you can file your own insurance claim on the phone. Now even pull up your own policies on the phone, you have the ID card on the phone. When you are in a car accident, you want to take pictures. Also take pictures of the license plate, you should have a file on all license plates, you should take a picture of your license plate stored in your phone if your car is stolen. And this happens a lot lately, cars have been stolen express the high end cars are being stolen for parts. So take a picture of your license plate for the stored in your phone along with your ID card. Your driver's license, so you have all the information. Now if you have all these old ID cards in your glove box, get rid of those those are no good. If you get stopped by a police officer, they don't want to see that then you shuffle it around in your glove box. You know I mean that's in this nighttime. You get rid of all the old ID cards you don't need them just have the most current ID card, your registration, put it all in one white envelope or an envelope. So you'll have it there to go pull it out of your glove box. So wherever you put it, it's right there. You don't have to shuffle through a lot of old paperwork. That is no good to the police officer they want to see only only the most current. They don't care what you had a year ago two years ago. I've talked to people and they say these old ID cards prove they have continuous insurance. That's not necessary. My name is Donnell Marquez, this is your insurance connection 702-236-2624 702-236-2624. Add to your insurance connection. We do offer life insurance for final expense if you have underlying health conditions, diabetes, lupus have a history of cancer or been denied coverage because of your medical condition, or maybe just a little overweight, you know, you know, and but you've been turned down in the past for life insurance, do not give up, I can help you with a whole life policy, up to $35,000. In coverage. There is no health examination to apply just a few health questions. There are only 12 health questions. Do you smoke yes or no? And where are my smokers? is very rare when I get a smoker that contacts me, I don't get smokers to call me. I know you have no problem having a secret right now. So you know, I need to call down Marquez, I need to get some life insurance, what the rising costs of funerals today.

Unknown Speaker 20:44
And the cemeteries are backed up. They don't, they can't even bury loved ones, because they're so backed up. Is this happening is happening right now, as I've talked to you on the air, it is happening with the cemeteries do not have a death certificate to bury your loved ones, because they're so backed up. And that's something I never, I think, thought I would see today that that would even happen. But it's happening right now as we speak. And also the cost of burying a loved one today as risen up to $15,000 and more to bury a loved one. And there are going to be other final expenses, medical bills, credit cards, you know, the car payment is still going to continue to come in the the mortgage, the rent is still going to continue to come in. These are final expenses that people have to continue to pay with without you without you here. Just don't say you know, and I'll just get a cremation don't have a ceremony does do it very inexpensive. But there's no money left over after the cremation is paid for what happens to the food you need to buy on a weekly basis money for the food. What happens for money for the morgue is money money for the rent that go your check goes with you when you're when you when you pass away. Let's take care of loved ones if you don't if you can't qualify for the larger policies. And I do offer the larger policy starting at $100,000 in face amount in up as much as you can afford people like how much life insurance can I get? I say as much as you can afford. Put it in your budget. Look at life insurance as a savings account. Money that you set aside, I've had people say, Well, you know I got so much money in the bank. And I'm not concerned about any life insurance. Let's say you have $100,000 saved up. How long would that last? If you use a lifestyle of $50,000 a year? How long would $100,000 last maybe a year or two at the most life insurance secures your family's future gives them that unit given that income that they're going to need to continue their life. Now at $35,000. You say Well, that's not a whole lot of money. But if you don't qualify for the larger policies, it does help. Because again, you may have credit card bills, medical bills that needs to be paid for. You have to pay for a very expensive funeral. Right? We're talking about the opening the closing the headstone, the casket, the flowers, the limo, the hearse, the ceremony, the repairs, and all the flowers, oh my goodness, the flowers, people flying in from out of town. Right? And then now he comes in the medical bills or credit card bills, no mortgage, the rent, how you gonna continue paying these bills. $35,000 does Oh go a long way. It does help if you've been turned down for life insurance because you have underlying health condition, lupus cancer, you know, Alzheimer's dementia. If you do have Alzheimer's or dementia or a loved one that in your family has Alzheimer's, dementia, we can help them with a life insurance policy. My name is Donnell Marquez, this is your insurance connection 702-236-2624 702-236-2624 It is not that difficult. We can do a lot of business over the telephone. I would love to meet you at my location. But you know we can do a lot of business over the phone with the virus is still out there. It's still on the rise. I've gotten my shots. I've even gotten my booster shot. I had a little little bit of a headache after my booster shot. I got the first two shots and then I got the booster. After the booze had little slight headache the next couple of days I took my daughter told me take a couple of Tylenol and and and went away but we need to prepare ourselves. If you haven't had your shots. Really think about it. Get your shots this virus is coming back. And you know, we don't know maybe mutate to somebody else. You know I've lost a lot of people doing doing the virus doing this virus and you know people that died early in their young 50s You know, in their young 50s passing away because of the virus, I've been places where people had the virus. And then three weeks later they pass away that encouraged me to go get the shot. It happened last year I was at a party last year. This young man he was in his early 50s. He died four weeks later after the party in the backyard, and I was at that party in the backyard. That really scared me. So I need to go get my shots because I was procrastinating about the shots. It's not good to procrastinate. Time, let's talk about time. When it comes to time Time waits on no one it goes by one second at a time. I've seen people with 10 year term policies, why are you purchasing 10 year term policies 10 years ago, 10 years go by in a blink blink of an eye it goes by very fast. Think about getting a policy if you buying term, the mask maximum years you can give it a term policy is 30 years. Or if you don't qualify for a 30 year term policy because now you're 59 and 60, you only got to qualify 50 in and under you can qualify for 30 years. So get 30 years however, if you are a smoker, you may not be able to get the 30 years I think the cutoff is either 56 or 57. On a 30 year term policy, if you are a smoker, we offer whole life, Universal Life, term life insurance at your insurance connection. Premium well known insurance companies I connect you with you pay those companies direct, I'd take no money across my desk, no money across my desk, you can't come in my office and say I want to make my car insurance payment. And here's the catch. I don't accept that. You pay the insurance companies direct, I do not charge a fee to come in and see me 702-236-2624 702-236-2624 Is my contact phone number. If you have been turned down for life insurance, we can help you. Or if your life insurance policy has gone up, this is a good time to have an insurance review. To review your current policy coverages. I look at policies I take exactly where you are. And if you have a policy, that's pretty good. And most people don't have a policy that's going to take them for the distance they need, you know, then we can make some adjustments. But if you have a policy, that's pretty good I was I pushed it back and said you need to keep this and don't don't let anyone talk you out of it. But if you've taken out a loan against your life insurance policy, because now you have a whole life, or universal life insurance policy, find a way to call it back call the insurance company and find out if you check it out a couple of $1,000 and that was over five years ago find out how much the debt is today. Because when you borrow money from a life insurance policy, your rate of interest is probably about 789 percent interest on the money borrow. My name is Donald Marquez. This is your insurance connection we broadcast right here from KU envy 91.5 Jazz and more Sunday mornings from 8am to 830 Keno and tell your friends about the show. Tune in in the morning on Sunday mornings and get this valuable information to help you better understand insurances no matter what if you're my customer now I want to thank the customers that came in and purchase home auto life insurance enjoy today. I'm enjoying the day I'm gonna watch some basketball games up close basketball playoffs they're very exciting to watch and joy the rest of the day and same you enjoy the rest of the day. You know go out and take a walk you know take a walk with your family take the dog out and the dog proud to let it get out the house. My name is Don rakez This is your insurance connection. We'll do this again next week. Until then just keep it crispy, thank you for listening.

Unknown Speaker 29:46
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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