It’s obvious that if you have children in your household, that they will eventually will grow up to driver age. In advance of this event, you should think about getting a learners permit for your child at that time so you can have peace of mind that they will learn the basic requirements and state regulations at that early age. Here is a video that goes into what is involved when preparing for the learners permit test.

For whatever reasons you may have, sometime down the road, you may want to change insurance companies. The most common reason is when you move from one city to another. It may be from not being happy with the lack of service from your current agent, or even a death in the family and you never really knew that insurance agent that your family member purchased for you.

In any case, there are certain things you must do before you switch insurance companies. First, you must line up insurance quotes from other insurance agents in the locale you live in. Take out your current insurance policy when reviewing coverage with the potential new agent and let the agent ask you questions about your current situation. It could be that you live in a different house or some family members moved out or moved in. Based on the current information that you give him/her, you should get a complete quote in a short amount of time.

Second, take a look at the cancellation policy of your current policy. Check for the policy period and when it expires. It could be that you can time the purchase of the new policy when the soon to be “old” one runs out. Never get two insurance policies where two cover you at the same time frame. It could cause confusion and possibly the denial of coverage from both insurance companies!

To be clear, make sure you take the time to compare quotes. You will be surprised at the different range of insurance premiums you can pay for the same coverage.

Lastly, buyer beware. Make sure you purchase your new policy from a reputable agent with a good track record of great service and plenty of testimonials. Research the insurance company itself and see that it has at least a AA rating with the AM Best company, which is an insurance rating company. You want to make sure the insurance company is solvent and has plenty of reserves to cover any size loss you may have in the event you have to make a claim.

As we enter the new year, I want to thank all of you who trusted me with your business over the years. It is a special bond I have with each of you and I am proud to serve all your auto and homeowner’s needs.

We are still recovering from a rough economy and I can’t say enough how all of us are facing challenges as we enter 2011.

One of the most important things to consider with the new year is to get with your insurance agent and request a review of all your coverages. You may not know about changes in state laws or how changes in your family situation can affect your insurance coverages. You may find that you are either have too much coverage or too little. In either case, make sure you review coverages with your agent soon. It takes only a few minutes in your insurance agent’s office but can mean the difference between having coverage when you need it, or finding out too late that the loss you had is not covered.

Get peace of mind today! If you need to compare your current insurance coverage with another agent, call Doug Seide Insurance today at 480-443-1952.

For all your insurance needs on auto and homeowners coverage, Doug Seide Insurance is your Scottsdale Insurance source for the most professional service.

Whether you need coverage at the most reasonable cost, or insurance reviews to obtain only coverages that you need, you can count on insurance agent Doug Seide to make sure you have only the coverage you need.

Sometimes insurance agents overload you with coverage you don’t need and it’s disappointing when you find out at the point of making a claim.

Doug Seide is a very careful agent and knows that you want the most coverage for your hard earned dollars. You can count on a thorough review of all your potential risks based on your life and family situation.

Call the Doug Seide Insurance Agency now for a no obligation, no pressure quote at 480-443-1952.

During the holidays, most people fail to make sure their insurance needs are being met. Do you know if you are covered under medical coverage if someone gets injured while attending a holiday party at your home?

Have you gotten hold of a portable fire extinguisher to have in the kitchen in case a fire breaks out when cooking your holiday ham?

Did you make sure you checked the sidewalk leading to your house for any serious cracks that someone could fall from if you had heavy snowfall near your house?

There are many risks that are amplified during the holiday season. You should be aware of what could happen and that you have the necessary insurance coverage for these losses.

Quite often, it is too late, when finding out that a particular loss you incurred during the holidays is not covered. What a way to spoil your holidays!

Be sensible and check in with your insurance agency prior to the major holidays. Even if you are just calling in and asking about any future discounts in insurance premiums coming up for the new year. That is a great way to capitalize on the new programs and discounts for the new year.

We wish you a safe holiday!

For a complementarty review of your current insurance needs, call Doug Seide at 480-443-1952.

Doug Seide, Scottsdale insurance agent, has been in the insurance business for over 20 years and has built a solid following from his “high touch” service philosophy. He often contacts his customers and offers insurance and risk management reviews to see if he can get further discounts on their insurance premiums. Over the years, the types of risks to be covered has changed and agent Doug Seide has kept up with the times.

If you need good quality insurance for your home, auto and business, give Doug Seide a call. He is available at all hours and is ready to give you a competitive quote at your convenience.

Call 480-443-1952.

Have you ever thought that installing security systems or having a safety kit around the house is going to cost you a fortune? Well, I found a video where, for under $400, you can literally protect your home and get a homeowners insurance discount just for purchasing these types of items. Enjoy the video.

Did you know that where you live affects your premium? Did you also know that if you have children living with you will affect your premium? Yes, there are many things that affect your premium rate. There is a staff at the headquarters of any insurance company that “underwrites” all insurance risks.

Besides the two things above, here are more things that affect your premium rates:

1. Ages of household residents
2. Fire sprinkler system in your home
3. Safety devices in your automobiles
4. How many automobiles you have garaged at home
5. How many of your children living at home that drive
6. How good the grades your children get at school
7. A history of little or no claims made from you or your family members
8. Participation in health clubs or health related programs
9. Year of automobiles
10. If you operate a home business

These are just some of the things that affect your insurance premium. When in doubt, contact your insurance agent and get quick review of all your coverages and let your agent know your home and auto situations so they can look for the proper insurance coverages and they will also recommend the kinds of discounts you are entitled to in the process.

I found a great video that shows how Farmers Insurance treats their employees and claimants. The bottom line, is respect. We truly care about our customers and we show it by making a great effort at delivering superior service and settling all claims in a fair and respectable manner. Enjoy the video.

Have you recently had a review with your insurance agent pertaining to auto and home coverage? As the summer winds down and the kids prepare to go to school, there could be risks that are not properly covered.

If you have a child who is old enough to start driving, have you talked to your insurance agent about adding another driver, specifically a “youth” driver? After our Arizona monsoon season is coming to a close, have you had your roof inspected lately to see if you need normal repairs or a complete replacement? These are just some of the things to think about as the fall season approaches.

A good rule of thumb is to get an informal insurance review once a year at minimum to make sure you have the proper coverages on both your cars and home. As mentioned in my previous posts, it is the moment of making a claim when you find out that you are not covered for a loss that you assumed was covered.

A great insurance agent is your trusted advisor, making sure that you find no “surprises” of no coverage when you thought there was. You get peace of mind with knowing you are covered for anything and everything that could possibly happen.

And, believe it or not, to add some extra coverages on your car and home is a very small price to pay for the protection you receive.

For all your Scottsdale Insurance needs, contact Doug Seide at 480-443-1952 today.