The Car Insurance Doctor Urges ALL Temecula Drivers To Call 877-994-6787 and See How Much Money You Can Save On Your Auto Insurance With Just One 7 Minute Phone Call!

>>>>>>> http://www.youtube.com/watch?v=6ZwBdQZQBuU

Having trouble viewing this video – http://www.youtube.com/watch?v=A6YaB_gRr_w.

Are you the next WINNER?  There is still plenty of time to get your name in for all 4 Fabulous Grand Prizes… The best part is your favorite charity wins too with every referral you send our way!  You have all donated over $2,455.00 to your favorite charities just this year – WOW!

Winning is as Easy as 1 – 2 – 3:

1.  Tell your friends, family members and business associates about Stromsoe Insurance Agency.

2.  Make sure they mention Your Name when they contact our office at 877-994-6787.

3.  You will receive Free Lottery Tickets and automatically be entered into our monthly Dinner & a Movie for Two drawing and ALL 4 GRAND PRIZE drawings too! (Remember: There is No Limit to the number of entries you may have).

Your pool is separate from your home. Homeowners insurance generally provides coverage for damages to your home and “other structures” on the premises. As far as your insurance company is concerned, your pool is considered a separate entity from your house — which means it is covered under the “other structures” portion of your policy, together with detached garages, sheds, and gazebos.

With most Homeowners policies, the maximum amount of insurance coverage for these other structures is 10% of the amount of coverage on your home. In other words, if your insurance policy covers $100,000 on your home, the coverage you would receive for your pool and other structures would be $10,000 combined. If you spent wads of money on a fancy new pool, $10,000 might not be enough to cover serious damages to it. Plus, if you have a shed and a detached garage in addition to a new pool, keep in mind that this amount will have to cover damages to all three structures. You might decide that you need to purchase additional insurance. The type of pool damages your insurance will cover varies depending on your specific policy. Be sure to read the fine print and figure out exactly what your policy covers.

Protect yourself against pool liability issues. Insurance can also protect you against liability issues related to your pool. Obviously, there are serious dangers associated with pools, including injuries and drowning. As a matter of fact, about 45,000 swimmers are injured and 300 people drown in backyard swimming pools every year. Although the liability portion of your Homeowners policy will protect your assets if someone sues you, it might not be enough. Most Homeowners policies pay up to $100,000 in coverage each time a person makes a legitimate civil claim against you for an injury that occurred on your property. When you install in a pool, you are increasing the chances that someone could be seriously injured or even killed on your property. Therefore, you should consider purchasing additional liability coverage after you install your new pool. First of all, find out if you can purchase higher liability coverage limits on your existing Homeowners policy. You might be able to increase your coverage from $100,000 to as much as $300,000 for a minimal premium.

Here are 4 Easy Ways to Reach Us To Find Out The Details You Need to Know to Properly Protect Yourself:

1. Call 951-600-5751  or  877-994-6787

2. Fax 951-677-6265

3. Email insure@siaonline.com

4. Visit our website – www.siaonline.com

>>>>>>>>>> http://www.youtube.com/watch?v=i5GfZ2VTl6s (Video Link)

The safety of you and your family is our number one priority.  If you have any questions, comments or concerns, please contact one of our protection coaches® today at 951-600-5751 or email insure@siaonline.com.

>>>>>>>> http://www.youtube.com/watch?v=UJ1l_E_iVpw (Video Link)

Call The Doctor Today For Your Free Car Insurance Check-up and Cure Any  Auto Insurance  PAIN and COVERAGES GAPS  Today!

Call 877-994-6787 or 951-600-5751 or you can email us at insure@siaonline.com 24/7.

As you may know, The Affordable Care Act allows young adults to stay on their parents’ health plan up to age 26. Recently the Department of Labor’s Employee Benefits Security Administration released information pertaining to the extension of young adult coverage and the steps needed to access it.

This information is now available by clicking the link below, “DOL Provides Information on Extension of Coverage for Adult Children.”

http://www.dol.gov/ebsa/newsroom/fsdependentcoverage.html

Here are 4 Easy Ways to Reach Us with Questions or Comments:

1. CALL 877-994-6787 or 951-600-5751
2. Fax 951-677-6265
3. Email – insure@siaonline.com
4. Visit Our Website – www.SIAonline.com

Ride Carefully – Keep Your Driving Record Clean

Perhaps the most effective thing you can do to keep your motorcycle insurance rates low is to be a careful and proactive rider. Keeping your driving record clean can lower your insurance rates significantly, so be sure to take safety into account each and every time you ride.

If you are a new rider, consider enrolling in a safe riding course. You can often find these courses at your local community college. Many insurance companies provide discounts for riders who successfully complete a safety course, so it might be worth your time and effort.

Choose Your Motorcycle Carefully

Some motorcycles seem to be irresistible to thieves. If you own one of these models you might end up paying the price. Before you shop for your bike, be sure to check theft records. Don’t forget: You can also contact us for a rate quote before buying your motorcycle.

Install an Anti-Theft Device on Your Motorcycle

Installing an anti-theft device can also reduce your premiums. Alarms make it that much harder for thieves to make off with your bike. Not only do they protect your motorcycle from theft, but they can lower your insurance costs at the same time.

Ask About Discounts

By having your Homeowners, Auto and Motorcycle insurance with the same company, you might be eligible for a multi-policy discount. Be sure to ask us about any discounts that might be available.

In addition to multi-policy discounts, many insurance companies offer additional discounts for everything from a college degree to a safe driving record. Just like with your car, you might be eligible for additional discounts if you keep your motorcycle in a garage where it is safe from thieves and from the forces of nature.

Raise Your Deductible

Another excellent way to lower your monthly insurance premiums is to raise your deducible. Deductibles and premiums move in opposite directions, so the higher your deductible, the lower your monthly premium. You can make this work for you by funneling the difference into a separate savings account that you can use to cover unexpected expenses in the event of an accident.

For more information on how you can save on your motorcycle insurance premiums, call 877-994-6787 or email us at insure@siaonline.com.

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Remember it’s Easy as 1 – 2 – 3…

1. Tell all your friends, family and business associates about Stromsoe Insurance Agency.

2. Have them mention your name when they contact our team – 877-994-6787.

3. You will receive your lotto tickets in the mail and automatically be entered to win any or all of the Grand Prizes!

Are YOU The Next Winner? Remember there is NO LIMIT to the number of entries you may have -  Good Luck!

The standard Personal Auto Policy OFFERS  a coverage called ”Rental Car Benefit”. You must agree to and buy the coverage for it to benefit you when you need it.

In speaking to a group of local business people yesterday, we asked how many people in the room were dependent on their vehicle daily. EVERY PERSON raised their hand.

If you have purchased Collision coverage on your car and that car is damaged in a collision, this coverage will pay for “temporary rental car expenses.” The same applies if you have purchased Comprehensive coverage. If the car is damaged by something other than a collision, the policy will cover these expenses. The policy pays up to the limit per day you purchase, $30, $40, $50, up to a maximum of dollar amount, normally 30 days times your daily limit. This coverage may also apply to a vehicle to which you do not ordinarily have access, such as a friend’s car or a rented pickup truck.

Time limitations apply. If your owned or borrowed car is stolen, coverage begins a specified number of hours after the theft and ends when you are able to use the vehicle again or when the insurance company pays you for the loss. If the cause of loss is something other than theft, the insurance pays the expenses incurred more than 24 hours after you lose use of the vehicle. Finally, the insurance stops paying at the end of the period of time reasonably required to repair or replace the vehicle.

Some examples will illustrate how this works.

• >>> John has both Comprehensive and Collision coverage on his sedan. On Tuesday at 10:00 a.m., a frayed wire in the engine catches fire, resulting in major damage to the car. The car is in the shop for 15 days, so he rents a replacement for $35 per day. His insurance will pay $30 per day, starting with the expenses he incurs after 10:00 a.m. Wednesday. If 15 days is a reasonable time for these repairs, the company will pay for days two through 15.
• >>> John gets his sedan back. A month later, it breaks down. This time, he borrows his neighbor’s car. While he is driving this car, a deer runs in front of him; the ensuing collision badly damages the car. Because he has Comprehensive coverage, which applies to collisions with animals, his insurance again will pay $30 a day for him to rent a replacement while the shop fixes his car.
• >>> He gets both cars back and returns his neighbor’s car. A week later, he walks out of a store to find an empty space where his car should have been. He reports the theft to the police and his insurance company. The company will pay $30 per day, starting 48 hours after he discovered the car missing. It takes 35 days for him to find a replacement car; his insurance pays $900 (the maximum) for his rental costs.
• >>> Concerned about how much his insurance premiums will go up, he drops the Collision coverage on the replacement car. A month later, a bee stings him while he’s driving and he plows into a highway sign. This time, the company will not cover his rental costs because he had not purchased Collision coverage.

Not all Auto insurance policies are the same. Some might pay more than $30 per day for rental costs, but they will pay only if the insured vehicle is stolen. Others cover theft only and pay less than $30.

Check with one of our licensed insurance protection coaches often to find out what coverage you have and need. Call 877-994-6787 or 951-600-5751, we’re here to ensure that you have exactly the coverage you need.