Saving 15% This week Etler-Kettenacker Agency has posted a story and the Jones family and the Smith family who both experienced a devastating tornado.  The Jones family chose not to switch insurance carriers thus not saving 15%.  The Smith family chose to switch to a new carrier and ended up saving 15%.  To find out what happened to each family read the story at http://www.ekagency.com/saving/15_percent.aspx.   If you have any questions regarding your homeowne...

In Etler-Kettenacker Agency’s last blog we outlined an event that happened to a couple while traveling.  There are many reasons to purchase a travel insurance plan.  This blog is dedicated to touching on the types of travel insurance offered by Seven Corners.  Seven Corners offers several plans for the occasional traveler to the frequent traveler the benefits and plan coverages have been outlined in previous EK Agency blogs.  Before wrapping up our “types of trave...

Today, we are going to begin our "Insurance 101" series. In this series, well discuss all things related to insurance: terms, topics, types -- if its insurance-related, we will be talking about it. While this insurance stuff gets us really fired up, we realized its not the most exciting stuff for most people. So, well try to make this short, sweet and fun! And dont worry -- this is an ongoing series; we wont be bombarding you week after week with this stuff (in fact, we have a really fun sum...

For many of us, paying our insurance premiums every month can feel like, well, a waste of money. If were lucky, we dont actually see our money being put to use -- because, the majority of the time, those worst-case catastrophes never happen. Heres the thing: insurance doesnt just protect you from worst-case, life-changing events, it also protects you from that annoying, ugh-why-is-it-happening-to-me-now stuff that can really put a damper on your monthly budget. Safeco coverage is added to...

Today we are going to talk about liability coverage -- and why you might need to increase yours! Liability coverage covers injuries or damage to other people or property if youre at fault for an accident. Its part of your auto insurance policy, and is covers two types of damage: Bodily Injury: Covers costs if you cause an accident that injures or even kills another person. Bodily Injury will cover hospital and medical bills, rehabilitation, long-term nursing care, funeral expenses, ...

Your teen was likely thrilled to score that part-time job delivering pizzas: Free pizza? Getting to drive around town on the clock? Tips? However, your teen might want to reserve some of those tips for car insurance. In fact, they may need to up their coverage, or, in some cases, switch from a personal to commercial policy. Simply put, personal policies are written with the average private citizens habits and needs in mind, whereas commercial policies are designed to address t...

It may sound like something out of The Jetsons -- but self-driving cars are here! According to recent data, as many as 10 million cars will be outfitted with self-driving features by the year 2020. While exciting, these futuristic vehicles have opened up a whole can of worms. Especially for insurance companies. How are they insured? Who’s to blame in the event of an accident? Can you trust machine over man? We don’t know the answers to these questions, but here are some f...

Weve talked about self-driving cars before, debating the pros and cons of these cars of the future. However, this week, Bloomberg Technology posted a bullish case for self-driving cars. In this article, the media mogul quoted a recent study by insurance broker Aon Plc. According to Aon, premiums for U.S. auto insurers may drop more than 40 percent once the use of automated vehicles has been fully adopted by 2050. Aon analyst Paul Mang was careful to specify the conditions under which ...

Becoming a rideshare driver (think Uber/Lyft) is a great way to earn a little extra income. You set your hours and schedule, and are your own boss. But, did you know theres a gap in your auto insurance coverage when you drive for a transportation network company (TNC)?  Nearly every carrier’s auto policies exclude coverage for incidents that occur when a personal vehicle is used to transport paying passengers; i.e., during ridesharing. Heres the truth: the entire time your TNC app...

  We all know we need life insurance, but coverage depends on a variety of factors; most notably, age. Heres a breakdown of life insurance coverage by age: In your 20s... Life insurance may be the furthest thing in your mind during your 20s, but it shouldnt be. In fact, its important to have life insurance if youve have had kids gotten married provide financial support to a parent and/or spouse have private debt, such as with student loans, a car or ...

If youre about to spring for a new vehicle, you may be wondering about the various warranties and coverage offered through the dealership and your insurance company. Specifically, you may be hearing about "New Vehicle Replacement Coverage" - and wondering whether thats something you should ask your agent about. While we always recommend talking to you agent about any insurance-related questions you have, heres a brief look at New Vehicle Replacement Coverage: What it is In the event of an ...

  Why do you need homeowners insurance? What if your home were destroyed in a storm, where would you go?  How would you replace your home, clothing, furniture? A homeowner’s policy will provide coverage on your dwelling (home), and personal property along with offer liability insurance if anyone were to be injured on your property or cause property damage.  If you have a loan on your home your lender will require you to have insurance; they want to make sure that their fi...

If you are looking to add a Kia or Hyundai to your insurance, you may have a hard time due to a new social media trend.  This trend is teaching people how to hotwire certain vehicles that do not have an engine immobilizer.  This has caused many companies to halt writing new business with these vehicles.   How do you know if your vehicle falls under this risk? Your vehicle may be included if it is a Kia between the years of 2011-2021, or a Hyundai between 2015-2021 with a standar...

If you are looking to add a Kia or Hyundai to your insurance, you may have a hard time due to a new social media trend.  This trend is teaching people how to hotwire certain vehicles that do not have an engine immobilizer.  This has caused many companies to halt writing new business with these vehicles.   How do you know if your vehicle falls under this risk? Your vehicle may be included if it is a Kia between the years of 2011-2021, or a Hyundai between 2015-2021 with a standar...