Buying Insurance Through a Broker.

Buying Insurance Through a broker.

Smart decision. Independent brokers represent the insured not an insurance company. So they is no “sales goal” to make for the month, no sales manager to keep happy and no company breathing down my back on “low” sales figures.

Insured’s do not realize that most other relationships with insurance companies are sort of a one way deal. You get what they want to sell you, maybe not what you need.

Buying insurance through a broker changes that.

The emphasis is on YOU the client/insured. What risks are you exposed to, what is the best option for you, how can we best get you covered?

http://youtu.be/2s31yMQV4kI

Quick video shows that “We are the Middleman”!

Check it out, then see if you have the right person in your insurance corner. If not call us (if you are in New York State). We love helping other people all day long and prove it all day long too.

Buying insurance through a broker – smart.

It does help when you have someone on your side.

I hope you heed this advice.

Take care.

Tom Larsen,

The Larsen Protection Team

tom@larseninsurance.com

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Part 4 of 4 Ways to Save on Car Insurance.

Written on by admin in auto insurance, car insurance, Insurance

Here is why – they are the ONLY one’s rating your car insurance with many insurance companies. Everyone else is giving you 1 rate

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4 ways to cut car insurance costs – part 3

Written on by admin in auto insurance, car insurance, Insurance, insurance for new drivers, new drivers, teen drivers

Hi, Tom Larsen again for tip #3 on cutting your car insurance costs.

This one is now easier than ever – take a defensive driver course. Defensive driver courses are good for 3 years and saves you 10% a year, for 3 years running from the date of completion. And why do I say easier than ever? Because you now can do it from home with an online course.

Click here for your online course link.

It used to be you needed to take 2 week nights to finish the 6 hour course or use a whole Saturday to complete the 6 hours. Now with New York State approving the online version, you can take the 6 hours whenever you like! Early morning riser? – take 1 hour each morning for 6 days. Late night person? Turn your TV to a music channel and take 1 hour each night for 6 nights.

There is no excuse now for not having a defensive driver course taken. I understood before why people didn’t want to take the time away from home to complete a defensive driver course but by staying home in your pajamas, there is no excuse now.

10% each year for 3 year is a very good way to cut car insurance costs!

Look for my final tip to cutting your car insurance costs tomorrow.

Take care,

Tom Larsen, The Larsen Protection Team

(716) 684-3203

tom@larseninsurance.com

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4 Ways to Cut Car Insurance Costs – Part 2

Written on by admin in auto insurance, car insurance, Insurance, teen drivers

So control your costs of car insurance by using deductibles to your advantage

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4 Ways to Cut Car Insurance Costs – Part 1.

Written on by admin in auto insurance, car insurance, Insurance

I am Tom Larsen, an owner of an independent insurance agency and someone who speaks the truth.

The 1st way to cut car insurance costs is to make sure you are rated correctly. There are 4 basic ways you are rated on how you use your car. The 1st is pleasure use, which is either for retirees or people who drive under 3 miles one way to work. This is still considered pleasure use of your car and it’s insurance.

The second way is 3- 15 miles one way to work. This is considered commuting use and is how probably 60% of driver’s are rated on their auto’s.

The 3rd way is over 15 miles one way to work and this is considered long distance commuting & is rated slightly higher than the previous commuting rate used.

The 4th way car insurance is rated is business use and this would be like a Realtor who drives around showing people houses using their own car.

Cut car insurance costs today.

So the tip here is to look at your “declaration” page or coverage limits page and see what you are rated for. Maybe you changed jobs and live closer to work now or went from being a Realtor to working in an office.

The difference in car insurance rates can be 10-15% – so it pays to make sure it is correct.

Tomorrow I’ll give you tip #2 for cutting car insurance rates.

Tom Larsen, The Larsen Protection Team

(716) 684-3203

tom@larseninsurance.com

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There are only 3 ways you can buy insurance.

Written on by admin in auto insurance, homeowner's insurance, Insurance, teen drivers, teenager insurance

Did you know there are only 3 ways to buy insurance?

Despite all the noise on television, radio, online, in video’s there are only 3 ways you can buy insurance.

Nobody else will tell you this but I will.

Here is a quick video I put together for it.

And I’ll tell you in written form here too.

There are direct to consumer insurance companies that use their own employees to sell insurance. They use character’s and humor to try to get you to buy – think of Flo, The General and the Gecko as the companies selling you insurance directly.

Then there is direct writing companies, again using either employees or agents contracted only with them, to represent only them – you know them as the good hands people (Allstate), a good neighbor (State Farm) or ____ is on your side (Nationwide). They only sell their own product, nobody else’s.

Then there is independent insurance brokers (like us!). Independent means lots of choices – we shop, you save. Not beholden to any 1 insurance company, we can go out into the marketplace and find the best deal for you. We shop, you save. A simple idea that many consumers of insurance don’t understand because of all the noise the other companies cause online and other media.

There are only 3 ways to buy insurance.

So you now know the truth – there are only 3 ways you can buy insurance. I don’t want anyone to tell you any differently because it wouldn’t be the truth. The truth is in my video here.

The insurance consumer is being mis-lead by the advertising. Do your own homework and find out the truth.

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Mega Millions

Written on by admin in Families, Fun, goals

Mega Millions

You’ve just won Mega millions – what would you do? Seems like the question all TV reporters are now asking.

What kind of impact could you make with $540,000,000? There are people today making that kind of money but using it for Political action reasons, trying to gain favors for their particular industry. Not something I think a mega millions winner would do.

Mega Millions

Me? I’d set up a foundation with 1/2 the money and invest that money. Then the proceeds of my investments could be given away year, after year, after year. They say after taxes it is like $400,000,000. So 1/2 of mega millions of that money to invest would be $200,000,000.

If I could earn and average of 6% return on my mega millions winnings, that would be $12,000,000 per year to give away. Twelve million dollars each year to give to charity, cancer research, homeless causes, disabled veterans and low income housing help.

Twelve mega millions each year would result in a full-time job just giving the money away!

Mega Millions isn’t about yachts and mansions!

I hope the winning ticket is to a person that has a philithantric attitude! Think of all the good that could come of this!

Mega Millions

Excuse me while I go buy my mega millions winning ticket!

Mega Millions

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How are car insurance rates determined?

Written on by admin in auto insurance, Insurance, insurance for new drivers, liability insurance, teen drivers, teenager insurance

Car insurance rates have become so complex in recent years.

Earlier in my insurance career, I would get out a rate book and hand figure out a clients insurance rate. Those days have been long gone for quite some time. As short as 5 years ago, insurance companies had 4 or 5 “tiers” of pricing depending on your information.

Today’s car insurance rates are now computer figured and some car insurance rates at insurance companies will have 93 tiers!

Can you imagine a car insurance broker doing 93 rates?

Here is what happens today – we plug in where you live, your date-of-birth, your driver’s license number, your vehicle id number and your social security number and the algorithm designed by insurance actuaries puts you into one of these 93 tiers.

We insurance brokers no longer have any determination or pull on what car insurance rate you get.

Car insurance rates differ from company to company greatly!

Why? One insurance company will use credit score as the most important factor. The next will use where you live as the most important factor. Yet another will use your age the the most important factor. Still another will use your driving record as the most heavily weighted factor.

That is why you need to shop your car insurance rates every 2-3 years.

And independent insurance brokers like us can do that shopping for you. We represent all different auto insurance companies and can do multiple rates for you. No need to go online to 7 different websites and figure it out for yourself.

Let an independent insurance broker figure out your car insurance rates.

It could put hundreds of dollars per year in your pocket!

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Wind – A Covered Claim For Property Owners in NY.

Written on by admin in business insurance, homeowner's insurance, Homeowners, Insurance, liability insurance

After sustained winds the other day of 40, 50 & 60 MPH, lots of stuff was flying thru the air, due to the wind. Not just branches and tree limbs but parts of buildings, signs and siding. One of my clients had his car hit by a flying sign off a coffee shop due to wind. This claim will be against the coffee shop owner, since it was his sign.

In New York, the wind peril is included in mostly all insurance policies written, sometimes wind is a percentage deductible but most times it is part of your normal deductible. In a state like Florida that has hurricane season, wind is EXCLUDED from all property policies and the people there buy their wind insurance through something called the wind pool.

So us here in New York State are much better off, claim wise, because wind is a covered “peril” in mostly all property policies sold.

So if you had wind damage during the recent high winds, call your insurance broker. This would be covered in New York State.

Property Damage Due to Wind

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Spreecast may be the new way to communicate to clients & prospects.

Written on by admin in business insurance, Business Marketing, homeowner's insurance, Insurance, Introduction, Personality in Marketing

I found a new media online called spreecast and have done 2 Tom’s Tuesday Tip so far using it.

http://www.spreecast.com/events/toms-tuesday-tip-2

This could (and I will) be used as a live broadcast, answering questions, teaching other’s, making a live event interactive. I believe people will be using this for positive help to others.

Subscribe to my channel at www.spreecast.com and see what the new buzz will be about soon.

Take care.

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Insurance protection | Marketing | Free Tips | Helping People

Buying Insurance Through a broker.

Buying insurance through a broker changes that.

Buying insurance through a broker – smart.

Cut car insurance costs today.

Tomorrow I’ll give you tip #2 for cutting car insurance rates.

Did you know there are only 3 ways to buy insurance?

There are only 3 ways to buy insurance.

Mega Millions

Mega Millions

Mega Millions isn’t about yachts and mansions!

Mega Millions

Car insurance rates have become so complex in recent years.

Can you imagine a car insurance broker doing 93 rates?

Car insurance rates differ from company to company greatly!

So us here in New York State are much better off, claim wise, because wind is a covered “peril” in mostly all property policies sold.

So if you had wind damage during the recent high winds, call your insurance broker. This would be covered in New York State.