Identity Theft Gone in 4 Seconds

The threat of Identity Theft continues to grow with over 100 million identities compromised in 2006 alone. This represents 1 out of 3 Americans affected. Identity theft is now the number one consumer crime in America occurring three times more often than home and auto theft combined.

This video has some great tips about how to reduce the risk of ID theft

Inexpensive Car Insurance - Six Secrets

I learned a lesson about inexpensive car insurance when I was younger: Insurance agents lie. I would love to be able to say this is rare, but my experience tells me it is depressingly common. Apart from lying, they just won't tell you some things you need to know to save money.

Car insurance was just a legal requirement as far as I was concerned. I didn't have valuable cars when I was young, and I had no assets to protect from lawsuits. All I wanted was the minimum legal coverage needed to be on the road. I always made this very clear to my insurance agents, using many rephrasings, like "Just what the law requires, and nothing more," just to be sure they understood.

I assumed that this minimum was what my insurance company was giving me. Only after paying the premiums for many years did I learn that they had lied. I didn't have the most inexpensive car insurance policy, as they claimed. They gave me not the minimum coverage required by law, but their own "company minimum." I was pissed off.

I went to other insurance companies and they tried to do the same thing, passing off their own normal liability policies as the state-mandated minimum requirements. Only when I pushed would they provide the policy that I wanted - as long as I signed more paperwork, acknowledging that I was "under-insured." That was fine. I had no assets to protect at the time (Having few assets means you're less of a target for a lawsuit).

The bottom line is that by commission and omission, you will likely be lied to by insurance agents. I overpaid by hundreds of dollars over those years, because of one such lie. Now you know what to watch for if you just want a basic liability policy. Here are some other things you should know about getting inexpensive car insurance.

Secrets Of Inexpensive Car Insurance

- Get several quotes, of course. The important part here, though, is to be sure that each quote is for the same thing. Write down and compare the specific policy limits, deductible and a other parts of the policy.

- Review your policies annually. Ask for a policy review and get new quotes every year or so. Suppose that speeding ticket you had is past the three year mark (or whatever the company guideline is). They will often "forget" to drop the rate, so you may need to remind them.

- Take the kids off your policy. If your kids are at a college that's more than 100 miles away, you can have them taken off the insurance policy and save a lot of money. You can't let them drive the car when they come home to visit though.

- Raise your deductible. You will always get more inexpensive car insurance with higher deductibles. Plan to pay the first $1,000 of that accident if it happens someday. In the meantime, you may save far more in premiums over those years.

- Drop collision coverage. Once the value of your car is below a certain amount (an amount you can afford to lose), drop the collision coverage. It doesn't make sense to pay out thousands over a few years to insure a car that is worth just a few thousand.

- Ask about special discounts you might be eligible for. Non-smoker discounts, car/home policy discounts, and others are a possibility. Ask what discounts you may be eligible for in the future, too, and remind your agent when the time comes.

-Look at every part of the policy, and don't pay for things you don't need. Ask about anything you don't fully understand. Asking a lot of questions and really understanding the policy is one of the surest ways to get inexpensive car insurance.

Why you may need Gap Insurance for your new car

Why you may need GAP Insurance for your new car


for more information: visit Kentucky Insurance

Formeost Insurance

What is the payment address for Foremost Insurance?

visit our Frequently Asked Questions Blog

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68 million Americans do not have Life Insurance

"A recent survey indicates that 68 million Americans have no life insurance and those with coverage have far less than most experts recommend to ensure a secure financial future for their families. In fact, ownership of life insurance has been declining for decades and the impact is being felt in very human terms today. When a loved one dies without adequate life insurance coverage, surviving family members often face very difficult financial consequences like having to work additional jobs or longer hours, borrow money from friends and family, move to smaller, less expensive housing, or put plans for a child’s education on hold.
With so many Americans in a financially vulnerable situation today, the life insurance industry has created a month-long public awareness campaign aimed at encouraging the public to take stock of their life insurance needs. Life Insurance Awareness Month (LIAM) is an industry-wide effort coordinated by the nonprofit Life and Health Insurance Foundation for Education (LIFE)......Life Insurance Awareness Month

Announcing Voicemail for Facebook

Announcing Voicemail for Facebook

We have added Voicemail to our Facebook Page, you can now leave us a Voicemail Messgae on Facebook
Leave a Message and we will call you back!

Safeco to Offer Discount on Teensurance

"Property and casualty insurer Safeco Corp. said Thursday it will begin offering an insurance premium discount of up to 15 percent to its Teensurance customers, beginning Oct. 4.

The discount, available to both new and current customers in 39 states, will be applied to the vehicle on which Teensurance is installed and where a youthful operator is present on the policy.

The Teensurance package, which became available in late June for Safeco customers with auto insurance policies, includes a set of online tools and on-board GPS and notification technology. The tools enable parents to monitor the behavior of teenage drivers behind the wheel by allowing them to set speed, distance and curfew limits......from Forbes
Dick Watts Insurance, Louisville KY, We represent Safeco Insurance call us for more details about the Teensurance Discount from Safeco Insurance. CALL DICK WATTS INSURANCE 502-245-3625 FOR A FREE INSURANCE QUOTE
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FINALLY!” SAYS FIDO, “A CAR INSURANCE COMPANY THAT GETS IT”

from Progressive Insurance :
"“FINALLY!” SAYS FIDO, “A CAR INSURANCE COMPANY THAT GETS IT”

Dogs and Cats Everywhere Jump for Joy as Progressive Introduces Pet Injury Coverage,
Included At No Extra Charge For Customers With Collision Coverage

MAYFIELD VILLAGE, Ohio (Sept. 10, 2007) – If you’re like most of us, nothing gets your tail wagging faster than hitting the open road with your “master” at the wheel and you in the passenger seat, the windows rolled down, the wind in your fur.

But does it ever get stuck in your paw – I mean craw – to think that if something happens and this fancy metal cage with the four donut-shaped rubber chew toys that you’re riding in slams into something (your master would call this a “car accident”), your master’s car insurance policy would cover everyone in the car…except YOU?

Well, finally, there’s one car insurance company that is stepping up and giving man’s best friend the stature we’re due. The Progressive Group of Insurance Companies announced that it’s gone to the dogs – and cats. In most states, a Progressive policy with Collision coverage will now cover its customers’ canine and feline four-legged family members." (specific limits apply check your own policy for specific coverages)

Progressive Insurance Commercial

Call us today we represent Progressive Insurance
Dick Watts Insurance 502-245-3625

Inadequate Life Insurance Leaves Spouse with Less

Do you Have Enough Life Insurance? Let us provide you with a free life insurance analysis call Mike Watts or Dick Watts 502-245-3625 Dick Watts Insurance

" If you have dependents, buy enough life insurance so that, when combined with other sources of income, it will replace the income you now generate for them, plus enough to offset any additional expenses they will incur to replace services you provide (for a simple example, if you do your own taxes, the survivors might have to hire a professional tax preparer). Also, your family might need extra money to make some changes after you die. For example, they may want to relocate, or your spouse may need to go back to school to be in a better position to help support the family.

You should also plan to replace “hidden income” that would be lost at death. Hidden income is income that you receive through your employment but that isn’t part of your gross wages. It includes things like your employer’s subsidy of your health insurance premium, the matching contribution to your 401(k) plan, and many other “perks,” large and small. This is an often-overlooked insurance need: the cost of replacing just your health insurance and retirement contributions could be the equivalent of $2,000 per month or more....from III

Life Insurance

Hurricane Season 5 Tips to Protect Yourself

Hurricane Season: Five Tips to Protect Yourself, Your Family and Your Property

The 2007 hurricane season, which starts June 1 and runs through November 30, is expected to be an active one. London-based forecaster Tropical Storm Risk, predicts that there is an 86 percent probability that hurricane activity in 2007 will be in the top one-third of years historically. Colorado State University forecasters William Gray and Philip Klotzbach predict that there will be 13 named storms, four more than the average, with four major hurricanes and eight lesser ones. Experts at the NOAA Climate Prediction Center are projecting a 75 percent chance that the Atlantic Hurricane Season will be above normal this year—suggesting that more active and intense hurricane seasons will continue to be the trend..... from the Insurance Information Institute

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First Party Pet Insurance from Progressive

Progressive Insurance offers First Party Pet Coverage,
If you have collision insurance with Progressive Insurance, they are now offering coverage for your pet who may injured in a covered accident. The Pet Coverage will cover Veterinary Expenses incurred as a result of accident related injuries to your cat or dog while in a covered vehicle. Specific limits may apply.
Call Dick Watts Insurance for a free Kentucky Car Insurance Quote 502-245-3625

Call us today to find out about First Party Pet Insurance Coverage from Progressive

(disclaimer: Every insurance policy is different, consult your own insurance policy for exact coverages and deductibles)

new ipod touch? iphone from Apple?

Well yes, The price of the new Iphone has dropped by as much as $200.00 according to recent news reports. Have you checked your Homeowners Insurance policy to see if your new Iphone is covered? You may want to check your homeowners insurance policy to see if there is a dollar limit to the amount your insurance company will pay for stolen electronic equipment.
Call Dick Watts Insurance for a free Insurance Quote
502-245-3625
You may want to consult with your Independent Insurance Agent to find out if your Ipod and your Iphone are covered? Are they covered for theft? Are they covered if they are lost? but not stolen. These are all great questions for your insurance agent. (disclaimer- Every insurance contract is different, Consult your own specific insurance contract/policy to determine what may or may not be covered)
Call us today for a free insurance quote, we will be glad to review your homeowners insurance policy . visit DickWattsInsurance.com
new ipod touch? iphone from Apple?

Why Term Life Insurance

Why Term Life Insurance Kentucky?

• It can provide a large amount of protectoin at a lower cost than permanent insurance.
• You decide how long the coverage is needed and purchas the term length that best suits your needs.
• It gives you peace of mind that your outstanding financial obligations will be met in the event of your untimely death .
• Its perfect for mortgage protection, families with young children or business owners seeking coverage for key employees

call Mike Watts at Dick Watts Insurance for Free Term Life Insurance QUOTE
502-245-3625

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