Archive for the ‘ auto insurance coverage ’ Category

Life of an Auto Claims Adjuster

We are proud to present a video that we found on what happens behind the scenes of a Farmers Insurance auto claims adjuster. These adjusters are called “Auto Property Damage,” or APD adjusters. Enjoy.

For More Information Contact Doug Seide at 480-443-1952

Auto Insurance Scottsdale

When looking for auto insurance, Scottsdale insurance agent, Doug Seide is one of the most qualified and experienced representative for all your auto insurance needs. He also handles homeowners insurance and commercial insurance for businesses.

Doug Seide is a certified insurance broker so he can concentrate on you, the customer’s needs. If you are located in Scottsdale or the greater Phoenix Arizona area, Doug can “shop” the absolute the best rates and coverages for you.

With over 30 years experience, Doug is surely able to make some valuable recommendations for all your insurance coverage. One of the companies he represents is Farmers Insurance Group. He is able to do a “Farmers Friendly Review” on your current coverage and make sure you are properly covered for the losses you may be subject to.

No matter what insurance you have now, Doug is able to go over and do a coverage and price comparison on all the coverages you have now. You never know if you can save money on the current type of coverage you have now!

Doug Seide can also handle your investment needs as well. Contact Doug today at 480-443-1952.

Time to Review Your Insurance Needs

When was the last time you spoke with your insurance agent regarding any changes in your life? Since your last conversation with your insurance agent, you may have;

  1. gotten married
  2. gotten divorced
  3. moved
  4. bought a new car
  5. given birth to a child
  6. added a section to the house
  7. your child’s first year driving a car
  8. upgraded your alarm system
  9. started a business in your house

The list can go on and on and you wouldn’t even notice that you have to alert your insurance agent with these changes.

That last thing you want to do is find out that your insurance policy does not cover a particular loss because you did not include it in a rider. Some changes can result in downsizing your premiums. Wouldn’t it be nice to take advantage of saving money just from an insurance review?

For more information on reviewing your insurance call Doug Seide Insurance at 480-443-1952.

You don’t have to have insurance with Doug in order to get an insurance review.

Insurance Tips for Young Drivers In Your Household

The bad news! National statistics have proven that, if you have a youthful driver in your household, premiums are usually rated higher because of the higher rate of collisions and liability claims that arise from this group. Of course, the main culprit here is inexperience. Underwriters have long been in the know about this so, hence the stricter requirements on the premium rates.

The good news, is that you can do something right now to maximize the discounts and keeping the youthful driver premium at the lowest level you can generate.

Here are 4 tips you can use to control the youth premium right now:

  1. Buy a “conservative” car. You are not doing yourself a favor by getting your son or daughter a sports car, SUV, or deluxe high performance vehicle. Just think for a moment how much the upkeep is on something like if your child gets into a collision. Nightmare for you! So choose wisely, a conservative small four door sedan that has good protection of “metal” around the driver and occupants along with a good safety record of performance.
  2. Be a good citizen. It helps to keep the underwriters of your policy to know your child is involved in community service, keeps good grades in school, and stays out of trouble.
  3. Clean record. This goes along with #2 in being a good citizen. If your son/daughter has a record of felony, moving violations, credit problems or anything that can dampen one’s character, it will be a concern.
  4. Lastly, safety features of the primary vehicle of your child. Does it have anti-lock brakes? Side air bags? Auto seat belts? Just a few safety features that will also “score brownie points” with your insurance company.

In other words, the reality is that, if you have youthful drivers in your household, it can’t help but drive your overall “family plan” insurance premium higher, but you need to know the things you can control to maximize savings to lower the premiums as best as you can. Follow the above tips and you will know you got the best price on your premiums

Scottsdale Insurance Agent

If you need a quick insurance quote at a reasonable price, contact Douglas Seide. He has over 30 years of serving his insurance customers and has proven time and time again of his superior service.

Whether you need auto insurance or homeowners insurance, Douglas Seide is ready to review your needs and recommend what you need and not need for all your insurance needs.

Currently, Douglas Seide serves the Scottsdale insurance and Phoenix insurance area.

So, if you are thinking about adding insurance coverage, or changing companies, it will pay you dividends to talk to Douglas Seide today!

CALL Douglas Seide at 480-443-1952.

Prepare Your Vehicle Before Vacation

The one thing we take for granted when we plan our summer vacation is a complete inspection our vehicle, if we are using it to transport to our destination. We are all excited about where we are going to spend the vacation but risk getting broken down on some highway we never traveled before. That’s the fastest way of disappointment!

One of the most important things you can do is to go over all the maintenance details of your vehicle. Here are some things to watch for:

  1. Check tire pressure and make sure air is filled to factory specs
  2. Make sure all tire valves have caps on them
  3. Have your wheels properly aligned and balanced
  4. Check and make sure you had your oil checked per schedule
  5. Get a “spot check” on all rubber belts and hoses
  6. Get a first aid kit to keep on board
  7. Carry jumper cables and emergency reflectors or flares
  8. Check all important fluid levels such as windshield, transmission, etc.
  9. Have a flashlight handy

You get the picture, planning a vaction is one thing, and more importantly making a checklist on your vehicle maintenance is going to ensure your vacation is a pleasant and unforgettable one!

Time to Review Your Insurance Needs

happyfamilyAs we start our summer season, there is much to go over regarding your insurance coverages. Remember, whether you are self employed or using insurance for personal needs, it is always best to review your insurance policy with your favorite agent.

Now is the time to compare rates, review insurance coverages or even switch insurance agents.  Your family and the peace of mind of total protection is of utmost importance today. Don’t let another day go without calling your agent.

For all your personal and business insurance needs call us today!

480-443-1952

What Kind of Insurance Risks Are There In Summer

Soon summer will arrive and that is the time when school is out for the kids, families go out for vacations, we tend to spend more time outside in our backyard pool, we drive to our local parks for sporting events, we drive to attend outdoor festivals.

All the activities or situations mentioned above is exposing all of us to unique risks. We could get a sports related injury playing volleyball at the park; there could be a near drowning in our backyard pool. We could trip and fall while attending our favorite arts and crafts festival. We might end up in a fender-bender with another car on the streets while starting out on our vacation.

Because of these additional risks we are putting ourselves into during the summer months, it is important to make a checklist of our important contact imformation such as our insurance agent, our AAA emergency card in case of road services we may need, medical bracelets or information to alert medical personnel that will need to know this information if we get hurt, a good contact of a close relative or friend in case of emergency. Also, when traveling, think of emergency first aid kits and maps of the travel area you will be using.

Thinking ahead to have valuable information available will greatly give you peace of mind that you are ready for anything, especially during  the summer months. We are more mobile during this season. Care must be taken when going anywhere or planning travel trips.

Lastly, make sure you are current on all insurance premiums! You don’t want to be without insurance at a time when you “forgot” or “put off” paying your premium!!

Have a safe and enjoyable summer!

For any question on insurance coverage, whether it is homeowners, auto and commercial, call Doug Seide at 480-443-1952.

All About Auto Insurance Coverages

We found a great video that touches base on all the basic auto insurance policy coverages that you need to know. Remember to check with your auto insurance agent for coverage that will meet your specific needs.

For a quick, no obligation quote on your auto and homeowners insurance needs, call Doug Seide at 480-443-1952.

10 Most Dangerous Drivers

According to Insurance.com an interesting study revealed the 10 most dangerous drivers by profession. Here it is:

  1. Attorneys
  2. Financial Professionals
  3. Government Workers
  4. Bartender or Waiter
  5. Dog Groomer
  6. Advertising Professionals
  7. Barber
  8. Coach
  9. Nurse
  10. Business Professionals

Happen to be one of those folks? Then you’ll want to keep in mind that an accident could raise your insurance rate. The chance of a rate increase is more likely based on factors such as accident severity, if you’re at fault, the value of your insurance claim, type of violation, and if the accident appears on your motor vehicle or comprehensive loss underwriting exchange report.

Findings were based on accident claims as a percentage of quotes. “Professions that demand multi-tasking – being on the phone, moving fast on a tight schedule are prone to more distractions and, from there, more accidents,” says Sam Belden, insurance.com VP, all joking aside. “On the other hand, though the job of a homemaker demands multi-tasking, young children are often along for any car ride. And when children are involved, people tend to take their time and use greater caution.”

On the other hand, the two categories that have the least danger is athletes and homemakers. One of the biggest factors that these two categories are the “safest” is that their schedules make them drive in “off times.” In other words, you are rarely going to see them drive during morning rush or afternoon rush hours.