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.

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

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.

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.

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

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.

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!

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

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.