YOUR INSURANCE CONNECTION

Unknown Speaker 0:00
You're listening to locally produced programming created in KU NV studios on public radio K, u and v 91.5. 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.

Unknown Speaker 0:32
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 0:52
Good morning. My name is Dan Marquez, this is your insurance connection broadcast and right he had k u n v 91.5. Jazz and more Sunday morning from 8am to 830. You know, grab your favorite beverage, a coffee you juice. And let me enlighten you on our insurance. What takes place with insurance here in Southern Nevada. Right now. I see that. GEICO is a lot of people with Geico. They're calling me and they're wondering what's going on with their insurance rates. I don't I can't tell you what's happening with Geico. I do not represent Geico. But I received quite a few calls from customers from GEICO that GEICO has released or their non renewing their auto insurance policies. And one of the major reasons is that I see, you know, I'm just speculating here again, because you may have a Hyundai or Kia. And here lately, I've recently found out a young man would own Tiktok. And he showed everyone how to get open how to how to open a vehicle. That's a Kia or Hyundai and how to not only open it, but drive it away as well. Now we're receiving a lot of claims for cars that have been stolen, or you know, young people just joy right and have a good time and vehicles and their damage to vandalize. I take all your personal items out of these cars in you just take all your personal items out of you. And when no matter what vehicle you have some news you could use. My name is Don Marquez, this is your insurance connection. My contact phone number is 702-236-2624. Hyundai's and Kia, Hyundai and Kia. So what the insurance companies, you know they they're not allowing us to write the Hyundai's and the key is at this time, I have a few you call me up and want quotes on the Hyundai or Kia contact your dealership and let them see if there is a recall on your vehicle or the Hyundai or the Kia or any vehicle that you may have. But especially right now the Hyundai is in the key of because they have to change the computer systems. So they these cars won't be so easily taken away from you. It has happened to you know people that I know and customers that contact me about the holidays and the kids. You know, I represent multiple auto insurance companies and sometimes we do have moratoriums on cars we can and cannot right. And right now he is the Hyundai's, and the key is maybe, you know, maybe six months from now. This is all clear up and hopefully no one else will go on tick tock and show him how to take Chevrolet's forwards and other cars that most of us drive out their trucks that most of us drive out there and you know, we want to be able to enjoy our vehicles without being vandalized someone taking advantage of us you know, I don't I don't like these I never have you know, they take advantage of people and they don't want to work for you know, for living they just rather take I don't think it's fair, but it happens in his world and people do it every day all the time. However, you know, that's my opinion about that and just Just be careful don't leave any personal items, computers you know phones, your wallet, in the cars, all your personal information is your and your registration and your ID card, put it in an envelope the most current registration and ID card because if you get stopped by a police officer, they don't want to see how long you've been with your company. They don't care they want to see the most current ID card and the most current registration and make sure when you do receive your registration for your car insurance put the sticker on your plate now. Sometimes I forget myself um, I forget I looked at my envelope one day and it's all I need to put two months later. I need to put the sticker on it. Yeah, I believe the police officers if they stopped you and they don't look to see what color sticker you have on your plate. They just want to make sure your car is is registered. I don't think they look for that what color the sticker is. I don't think they could care less Really, but they'd make sure your car is registered. Here. Again, take out those old ID cards, those old registrations, put the most current in an envelope and everything's right there for you. When you get pulled over, you have your ID card, your car registration and your driver's license ready to go. If you need to get pulled off, if you do get pulled over for a speeding ticket, we have a team member on your insurance connection. Her name is Christine Barnard. Christine Barnard can help us. With your speeding tickets, she can help get reduced down to a parking ticket. She's also have notary services, she will come to you. If you're looking for a new career change, she can help you with your resume, a power of attorneys medical and financial power of attorneys. That is very helpful for me when we have to have to write a life insurance policy. And the individual may have Alzheimer's dementia organic brain syndrome ALS, Lou Gehrig's disease, that helps me with the client that has those type of health issues, to get a life insurance policy on that individual. Now, if you have a loved one that has health issues, we can get them a power of attorney, a medical and also financial so they can get a life insurance policy. Christine phone number is 702-857-4401 702-857-4401. As you will know, I'm an insurance agent. If you've been listening to my show, broadcasting right here, k und 91, five, jazz and more. I love to talk about insurance. So we do offer auto insurance, homeowners, renters. Now, this did come up before we get into their life insurance because that's my favorite subject.

Unknown Speaker 6:46
I had to receive a call. Last week, young lady, she called me and she said they added my granddaughter's aunt, so my auto insurance policy. Now the granddaughters are 17 and 16 years young. First. And they had both had those driver's permits, they both have driver's permits. Now when you have a driver's permit, and they added the insurance on the car insurance, they will add it on the car insurance. The rate one lady called me she said Why am I Rico up? I said, Well, let me look and see look at your policy. I don't look at policies every day. I mean, I do and I don't. But I don't keep up i If when you call me, that's when I look them up. Anyway, so she added the they added the children onto policy she didn't know they added the insurance company added the children on the policy, when your auto insurance policy renews every six months, or once a year, the insurance companies do what we call a household summary to auto insurance companies will look into the household to see who has a driver's license to see who are the licensed drivers in your home, they do it to protect you, the auto insurance companies do it to protect you. Now, as an insurance agent, we don't have time for that. We don't We really don't. So don't think as an insurance professional, that we have time with you to okay, we're going to add these people onto your policy, your auto policy, we don't we don't do that. But we do have a team within the insurance company, that auto insurance company that look at the household summary, to see who are the newly licensed drivers in the household. And if they are licensed drivers in your home, they will be added on your own your car insurance. Because what they what they did, they went down to the DMV, they got permits and they used that particular address. Now they happen to live at that address, their insurance company is going to make sure you are protected. Jessica just in case they take the car out, they get in the car accident, and you are protected. Now without them on the policy, you could be liable for damages. Now there is permission to use your car, let's say you have relatives flying coming in from out of town, they're staying with you for a week, or you know even a month, they don't have to be added on to your policy. They're just visiting. So they do have permission to use your car as long as they have car insurance, make sure they have car insurance. But you can use they can use your car. And you know as long as you give them permission to use a car they are protected. But let's get back to why they were added. And this could happen to YouTube as well if you especially if you have young drivers, for the for the most part I tell my listeners and my customers. When they contacted me and asked me questions. I'm thinking about getting my child permit driving permit. What should I do? And well, first thing I want to know how does your child when they're 16 I wait till they're 20. Well, you we have so many options today we have you know we have people that drive Uber or Lyft I mean so many different options today. Now like it was back in the day and we did have cabs back in the day but people rarely took cabs, but now we have these other forms of transportation I, my recommendation is wait till they're 20 years old. Now when you add them on, as a licensed driver in the household with permit or driver's licenses, the on the renewal of the auto insurance, the policy will that will be reviewed to see if there's any new licensed drivers in the household with that using that address, they use that address. And this is why they were added on to the policy. It made her re go up, she had a 16 year old and a 17 year old Ouch. on auto insurance policy that hurt, that hurt. Now there are options to get them off the policy. You know, there are options. I've reviewed our options with her. I just can't take them. She called me up. She was a little upset. She actually she was very upset when she saw the rate further for the young drivers, but they are not our children, their grandchildren. But the grandchildren live with a grandmother. Okay. They live with a grandmother. So they were added on the auto insurance policy and the rate went up pretty high. It did and went up pretty high. And that happens with when you would 16 and 17 year old children, I had it on on the auto insurance policy, I did give her some recommendations to take them off. Now I cannot take them off, the computer is going to ding me and says we cannot take these young drivers off unless they can show proof number one have their own insurance policy. They own auto insurance policy, you know or that you know, or you can turn in the driver's licenses and get ID cards. That was my recommendation, let them turn in the driver's license, get ID cards. Now, there are other options. You know, they can get their own car insurance or get added on the parents policies. But if they are adding on another policy, a different policy, then the person that lives in a household, let's say for example, their parents live in a household along with them. They can put the children on their parents policy. As long as they show proof I can take more off my clients policy. More information. My name is Dan Marquez, I don't want to get too complicated because it gets a little complicated, especially when it comes to young drivers. My number is 70223626247022362624. And you know and the interesting thing is the conversation that I have with people and they asked me well, you know, back in the day, you know back in the day when when you remember we had car insurance, it was only adding like $50 or something like that. But those days are long gone. That was back in the day. Yes, I was paying $50 a month for my car insurance. I drove it to ATC. I did when I was a young man I had a 280s in my young 20s I had a two AZ that was a I love that car. I was all over the place back and forth to California all the time. I love that car just I loved it so much burn out the engine. And I was only paying $50 a month for car insurance. But those days are long gone. They long gone and the computer will pick up any household drivers. That's using your address. If you have a licensed driver that's using your address, this can happen to you. So be aware of it. You may want to use a peel box. You didn't hear from me but you may want to use a peel box avoid that. But the auto insurance companies are only protecting your liability. Because if they're not adding on the policy, they're not at their driving your cars on the regular the young children are driving your cars on a regular anyone in your household does driving you vehicles on a regular you could be liable for damages caused to others and your car insurance rates will go up 702-236-2624 702-236-2624 My Location is as on a corner of Sahara Rancho in the US Bank Center, located on the eighth floor, I'm here for you. I want to be your insurance agent. Let's talk it this is Sunday morning. But you can call me if you do call me on Sunday morning. Leave a message I will call you back 702-236-2624 702-236-2624 Now we enter the fall. Yay. Finally. I love the fall. I love the winter too as well. You know Vegas this is from here on out. This weather is gonna be nice. The summers are just a little bit too much. Although we had a light summer this summer, you know if you just moved to Vegas, you'd like Wow, really hot. But now that was a light summer.

Unknown Speaker 14:36
Believe it or not, that was a very light summer. June was really nice to us that July and August. Well, it's gonna do what it's gonna do. It's gonna be very warm. And it's a little bit of September at the end of the September week. Now we have the end of September. Well, you know we're going into October now it's October. Yeah, what am I talking about? It's October 2. And now we're gonna have this beautiful 80 degree weather for a while, but change your watering clock to one Are you watering your lawn if you still have a lawn three days a week, and in the wintertime in the wintertime, change your watering clock to one day a week. So we can conserve water. Now we need to conserve our water. I'd like me believing that I was deemed. I was dean because my and then when he gets you, I'll tell you what, when when the, the water district gets you for a violation. They give you a warning first. So I came home and I saw a red flag in my yard. But like what is this for? I had a red flag. So I went to my mailbox. And then it says, you know, miss, you know, you you are in violation of watering your lawn during a certain time of day this this happened back in May, actually. And they took pictures of my home to prove to me that I was my watering clock that we had was offset. It was one it was not on the right time. I don't know what happened. Maybe there was a storm lightning storm power went out. I can't I don't know. But anyway, I talked to my gardener, he reset my clock, but they take a picture. So if you see a little red flag in your yard, you see a little red flag in your that that means you're watering clock you're wanting to in the wrong time. Maybe it's the wrong day the wrong time. But you need to do a gesture of watering clock, talk to your landscaper or do it yourself to make sure that you know we conserve water we have to conserve water in Vegas, Lake Mead is still lower than it should be. But every little bit helps. My name is Don Marquez, this is your insurance connection. I broadcast right here K u and v 91. Five jazz and more every Sunday morning from 8am to 830. Offering you valuable information about insurance, auto insurance, homeowners insurance and life insurance, homeowners insurance, let's talk about that a little bit. If you have filed a claim for homeowners insurance, the claim stay on your property for five years. If you have a water loss, don't shop it just stay where you are, you just really must stay where you are unless they're going to non renew you. water losses in the valley. Those are those are the most common losses we have when it comes to homeowners insurance. If you have a water loss, or you know of a theft, damage, or theft, or even hail damage, we had hell a couple of weeks ago, you need to file a claim right away. I mean, this is why you buy insurance. If you need to file a claim, you have to file a claim or wind damage, maybe something just singles flew off your home. But the let to let you know the claims stay on your property for five years. For five years. Now, it may or may not be advantageous for you to call me and shop with a claim, especially a water loss, I probably won't have to do any better than when you went as far as the rates are concerned, I probably may not offer you a lower rate, you may need to stay where you are until those claims fall off. They now the price is going to hit you a little bit because the insurance companies on a homeowner's policy is trying to recover some of their losses. Now over the over the you know first two or three years, you will you will see your rate go down a little bit. So there are there is a little bit of relief. Now your mortgage company will pay the rate increase. Because they want to make sure the mortgage company want to make sure if you do have an escrow account, they want to make sure that the home is insured, even if your insurance company is going to not renew you. Because you filed three claims in less than three years, it's gonna be really tough for you to buy insurance. And when you do find some, it's going to be very expensive, just to let you know that right now. So sometimes you don't need to file a claim because you may have a deductible that's $1,000. And you may just absorb the loss. Or if your claim is like if you have $1,000 deductible and you have a $1,500 claim, the insurance company is going to only gonna pay out $500 It may not be worth you following the claim. Just keep that in mind. Again, that's huge news. News You Can Use. My name is Dan Marquez, I'm an insurance broker been in the business since 1996. I love what I do. Do I was born to be an insurance agent. That's a lot of moving parts to insurance. It really is. You know, people always shopping for price. Sometimes you get what you pay for. If you're looking for that cut rate insurance, you'll get the cut rate insurance, but they're also going to cut your coverages to as well. They're going to eliminate what you get. Now, if you can't get your insurance agent you call your insurance agents from time to time you say I can never get this person. But if you do get that one of the staff members, it's okay. You could talk to the staff members. I know people like to call to talk to me direct. I get that and I don't mind talking to my customers. I really don't because when I started the insurance business, it was more like old school we had to wear suits to the office every day. We had to kind of be their nine to five, five days a week and some Saturdays we would work. I mean I you know I'm old school when it comes to insurance. I'm going to school insurance. I still wear the suits most of the time especially In the fall in the winter, I definitely wear suits them. But, you know, we were trained a certain way customer service is everything is extremely important. The call the customer back, I was taught that going into the business, you know, because if I make a phone call to any type of service that I want to patronize, I want a phone call back if they if I leave a message, I want someone to call me back. That's why when you call me and you know, especially on today's on the Sunday, I leave a message I'm off today I'm watching football, just like you, most of you anyway, call me at 702-236-2624 702-236-2624 located right across the street, from the palace station Hotel and Casino in the US Bank Center, located on the eighth floor 702 to three 620-624-7022 362624 Now with life insurance. And this is for the ladies, because I want to thank all the ladies that came to see me to purchase life insurance for their husbands. Now you can get a 20,000 off your husband do not want to come in and talk about life insurance. I get it. I get it guys, but you know this is important. But if you don't want to come in now, ladies, you can take out a $20,000 life insurance policy on your husband or your significant other, your partner. And they don't have to sign for it. You can sign for it, you can pay for it yourself. Let me say that again. You can take out 20,000 That's enough to take care of final expense. You know the cost of funerals are going up. Isn't this is easy to date, pay 20,000 for a headstone. I just had a conversation last week. I just had a conversation last week family members are paying $22,000 for a headstone isn't Isaiah stone, but it's $23,000. So their funeral from you know, I know what it was about $23,000 to bury their loved one. Now they're spending another 22 Two for the headstone. That's a $45,000 funeral when you do the math. Now, if you don't have any life insurance, how, even if you had just a funeral with him, you know, not what not, you know like that. But if you have a normal what I call a normal funeral today is about 15 to $20,000. And that may or may not include the plot. It is better to have something than nothing. If you have diabetes, lupus, cancer, multiple sclerosis, underlying health conditions don't give up. You can contact me my name is Don Marquez or you can call me Donald Marquez either way, 702-236-2624 702-236-2624 Let's sit down and have a real conversation, let's find a policy that will fit in your budget. It's not that difficult to have life insurance. I'm gonna offer you the right policy, the right policy that will be with you for the rest of your life. Whole Life insurance is a good option. term is also a good option too, as well. Everybody doesn't fit the in the same box. Let's make that intelligent decision together to see what works for you. It may or may not work for you term at this time. Or whole life is a better an option for you. Because you know you're getting up in age, especially if he's starting to get up in age. And if you're 75 years young and older, with no life insurance, what are you doing? Why are you waiting this long? 702-236-2624 702-236-2624 You're in your 70s No life insurance. What are you doing? Who's gonna pay for that very expensive funeral? Do you really want to pass that debt on to your children? Do you want to leave your wife or your husband and that type of debt? Let's start chipping away at a little by little it when we pass away. There is going to be a final expense for each and every one of us is our obligation to pay for it. Now pay a little have now a little bit on it right now. Because when that day comes and it will come for all of us don't stop stop saying if something happens to me. What do you mean by that? I don't I don't get that if something happens to me. No, it's going to happen. We don't know when it's going to happen. It would be a lot easier for me and my profession if people knew exactly when they were going to pass away.

Unknown Speaker 24:31
Oh you know what I got three years later and he called Don Marquez and get some life insurance. Oh that's a little waiting a little too long. But you know it is what it is. But I can offer a life insurance policy from day one to age 85 years old. Now I cannot offer your policy at 8687 88 No you out. But up to from day one that eight to 85 years young 7022362624702 236 2624 located on the corner of Saba Rancho, my business hours are Monday through Friday, from 10am to 5pm. I'm located on the eighth floor and a US bank center and right on the corner of St. Howard Rancho, by appointment by appointment by appointment as sometimes people just show up, I just want to put that out there. I work by appointment only. Because when you show up and I have someone in my office, I you know, I'm giving them the time that they need, at least I want to have for their time, my time. And we sit down and go over all of their insurances and offer no insurance reviews, no obligation, insurance reviews, I hadn't let young lady come to my office last week. And you know, they don't mind I share these stories because I don't use names. But this is what happened. She said I heard you on the radio talking about it. No Obligation insurance review, she brought her life insurance policies in. And life insurance policy had a great face amount. I've never seen that before. It had a great face amount now premium stays the same. But for the first year, when she thought she was buying $10,000 worth of life insurance. But for the first year, she only had like $2,500 worth of life insurance for the first year. The second year, they gave her another I don't know 1500 To $2,000 worth it. It would take her five years to have the $10,000 policy. She said I heard you talking about it on the radio, that you gave no obligation reviews. I don't have to pay to come see you right. I said no, no, ma'am. Not at all. But she ended up buying two policies. And then when she when she did purchase the policies, you got to understand the insurance companies rent you know, they give me a commission. That's how I make my my commission, that when you buy a policy, they pay me even if you don't buy a policy for me, I don't say you owe me this much money for my time. And I give you at least an hour and a half of my time. No Obligation review, she quickly found out that her and her husband had policies that they purchased a couple of years ago that it was a great face amount. It was a step by step phased them out to get to the $10,000 they thought they were buying initially. Don't buy a life insurance policy by way of going online. Putting all your personal information online, your contact information, you're going to receive a lot of phone calls for the next three or four months. The the companies that I select for you, they they you know we don't share that information with any other companies. 702-236-2624 702-236-2624 My name is Don Marquez. This is your insurance connection. Everyone have a great day. Get out and take a walk you know and change your water o'clock. 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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