Safe Holiday Shopping

With the new age of holiday shopping upon us, it is important that you know how to stay safe online and while shopping. First let’s go over some online shopping tips that can prevent you from having information stolen.

Make sure to shop on familiar websites, avoid links that you do not recognize and avoid websites with mostly negative reviews. A website can look professional and legitimate, but it could be a phishing site to steal your information. How do you know which sites to trust?

When searching for a store’s site, ensure the URL (website address) matches the name exactly. For example, I searched for INW Insurance. One result (below) indicates INW Insurance Group in the description, however the URL indicates a Yahoo site.

Always look closely at the description and be wary of search results that have “Ad” in front of them. To ensure you are on a secure site to shop, make certain the site address begins with “HTTPS” versus just “HTTP”. At the top of the page where the URL is, be a lock symbol, the word “secure” or the address bar will be green, depending on the browser used. If the site is not secure, then reconsider inputting payment information.

What about store shopping? Use the following tips to stay safe while out. Shop during the day as much as possible and avoid secluded parking areas, especially at night. Park close to the door where it is busy and well lit.Do not wear flashy jewelry or carry an expensive hand bag as this will gain attention from crooks.

Note where you parked as to avoid wandering when returning to your vehicle. As you are walking to your vehicle, remain observant and not distracted by a cell phone. Have your keys in hand with a finger on the panic button. Be aware of cars parked close to you, large trucks or vans next to you, vehicles with dark tint, or someone sitting in a car next to yours. It may be safer to go back inside and ask to be escorted to your vehicle.

Once in your vehicle, lock your doors and leave. No phone calls, texts, or radios station searches. Burglars often use the time when you first enter your vehicle to their advantage.

Please be safe whether on line or out at the stores.

Umbrella Insurance: Luxury or Need?

If you’re already protected by home and auto policies, you may consider umbrella insurance a waste of money that could be better spent elsewhere. There are circumstances, however, where umbrella insurance could save you from financial loss. For greater insight into what umbrella insurance has to offer, read on.

Liability Protection

Umbrella insurance augments the liability coverage you receive from your home and auto policies. If you cause an accident that results in personal injuries or property damage to others beyond the financial limits of your home or auto policies, umbrella insurance will cover the extra costs. This relieves you of the obligation to pay for medical expenses or damages on your own.

Under an umbrella policy, you can obtain liability protection of $1 million or more. If your accident leads to a lawsuit, your umbrella coverage will pay for legal expenses to settle your claim so you don’t have to pay out of pocket. Legal fees alone could put tremendous strain on your finances.

Personal Assets Protection

By covering the expenses of major claims and lawsuits, umbrella insurance keeps your assets safe for the future. You don’t have to dip into your savings or sell your Mesa, AZ home to pay for medical bills, property damage or legal expenses of a lawsuit due to an accident you cause.

If your work or lifestyle puts you at greater risk of being held liable for accidents, you would do well to invest in an umbrella policy. In like manner, the more assets you have, the greater your need for umbrella insurance from INW Insurance Group to preserve your financial future.

The benefits of umbrella insurance are many and varied. To learn more about umbrella policies and costs, contact an insurance specialist from INW Insurance Group, Mesa, AZ.

 

Cheap Insurance or Quality Insurance?

Think back ten or fifteen years. Did you think you were going to be a homeowner, have multiple vehicles or have kids running around the yard? It probably wasn’t on the top of your mind, but now it’s your whole world. Why would you want cheap insurance protection for everything you have worked so hard for? You are living a quality life, you should have quality protection.

What is your quality of life worth? Isn’t it worth spending more than a few minutes to properly protect what you’ve worked so hard for here in Arizona? When you purchased your home did you walk into a real estate office, close your eyes and ask for the cheapest home without concern for location, quality and options. When you purchased your current vehicle, did you walk into the dealership, close your eyes and ask for the cheapest car without regard to body style, color, options and safety features. Most likely, your answer is no. Therefore, why would you protect these items in such a way? When you go online or call a toll-free number looking for cheap insurance, that’s what you’re doing.

Here at INW Insurance Group, our goal is to carefully evaluate your coverage needs to find you the best options while still saving you money. INW Insurance is an independent agency working with top-rated insurance carriers. We do the shopping for you and eliminate the worry of having quality coverage in Arizona. That’s why INW stands for “I’m Not Worried”.

Here are some tips to save money on quality Arizona insurance.

  • Consider increasing your deductibles, as sometimes this may reduce your premiums up to 15%.
  • Ask about safe driving programs. These will evaluate specific driving habits over a short period to determine safe driver discounts up to 30%.
  • Consider paying your premium in full or setting up a monthly checking account draft as these provide a lower premium compared to other payment options.

You can save money without sacrificing quality insurance coverage by speaking with an INW Insurance Professional today.

Protecting Our Community Heroes

Did you know that INW Insurance offers special discounts and rates for those that serve and protect our community in Mesa, AZ? Not only do we serve those in our own community but we can get you these great rates no matter where you live in Arizona. INW Insurance has you covered. This can include teachers, policemen, firemen, military, and government personnel. These are the people that not only protect our community but also shape our future. Our agents here at INW Insurance want to find the best way to give back, so we are now offering lower rates and special discounts as a token of our gratitude.

There are several community heroes that go unnoticed or unrecognized every day. It is our mission to not only recognize these heroes for what they do on a regular basis, but to spread awareness of what they do for our community. We aim to do this in many ways, the first, obviously by being able to provide discounts on their insurance. The second is community involvement, we believe that by actively volunteering our time in the community is the best way to show our appreciation to local heroes. There are very few limitations and there are a wide variety of jobs that can get you significant discounts on your insurance.

We want to know what our community in Mesa does to support our local heroes. You might be part of a charity organization, you might volunteer your time, a family member might be a hero themselves, whatever it may be, we want to know about it! You can leave a comment below or post a comment on our Facebook! Let’s show some support for our community heroes!

How Umbrella Insurance Supercharges Your Vehicle

You might think the only way to supercharge your vehicle is to amp up the engine and “trick out” the rest of vehicle. However, you might be surprised to realize the true way to supercharge your vehicle in Meza, AZ. To truly make your ride an extreme vehicle, you should actually amp up your insurance policy.
Get Umbrella Insurance
You might have a temporary lapse in judgment when driving that results in an accident. Your insurance might cover the cost of your injuries as well as the price of your repair bills. The policy might even allot you money to rent a car. You do have insurance in the event another driver gets hurt, but with the high cost of medical expenses nowadays, your policy limits might not cover all of the bodily harm caused to the other person. Not to mention, if the person wants money to cover the cost of pain and suffering along with the expense of the time he or she has to be off work, you could easily find yourself seeing hundreds of thousands of dollars worth of a lawsuit. Typically, a standard policy doesn’t have these types of limitations.
You can supercharge your car by having an insurance policy that protects your assets. Keep in mind, if you end up having to pay expenses out of your own pocket, it could harm your ability to pay for your current car. You definitely aren’t getting the most of your vehicle, no matter how nice it looks, if you’re not able to cover all of the expenses of it due to a pending lawsuit.
To get a quote for an umbrella insurance policy, contact INW Insurance Group, serving Meza, AZ and the surrounding area, by calling 480-626-0797.

Facts on Auto Gap Coverage

Insurance companies vs. car dealerships for guaranteed asset protection, or GAP policies, which cover the difference between a vehicle’s loan balance and its cash value if the vehicle is stolen or totaled.

Dealer Says: No deductible on our Policy

There is no deductible on most gap policies, however the primary insurance policy has a deductible.  GAP on your insurance policy can cost $8 – $22 per year for three to four years. GAP sold by the dealership will cost $600 – $1,200 and you’ll pay interest on that as it is added to your loan. GAP at the dealership is sold by a third-party insurance vendor. In the event of a total loss, you may be in the middle of a battle between your insurance company and the dealer’s GAP company. If your GAP is with your own insurance, this is all settled in house without delays. So yes, your deductible may be waived with the dealership’s GAP, but is it worth as much as $1,500.00 when you may pay as little as $32 through your insurance policy?

Dealer Says: No Impact on Insurance Rates When You Make a Claim With us

You cannot have a GAP claim without a total loss claim. If you have a total loss, the claim is already filed on your primary policy and a GAP claim is irrelevant. The impact on future insurance rates will be the same for a total loss, whether you have the GAP coverage through the dealership or your own insurance.

Dealer Says: No Risk of Cancellation Due to Claim on Their GAP Coverage

As above, the GAP claim is irrelevant, regardless of where the GAP coverage lies and some states do not allow a “cancellation” due to claims.

Dealer Says: You Have the Freedom to Switch Insurers if You Choose Their GAP

GAP is not needed for the life of the loan. You can remove gap coverage from your insurance policy anytime you want. It is only needed until you no longer owe more than the vehicle is worth. In most cases, gap is only needed for the first three or four years of the loan and some carriers will allow GAP if you have it on a previous policy.

Dealer Says: Insurance Companies Will Most Likely “Fix” Total Loss Vehicles

GAP has nothing to do with the cost of repair versus the cost of replacement. The insurance company will only fix a vehicle if it is safe to do so and if the repairs do not meet or exceed a threshold of repair cost to Actual Cash Value.

Everyone should verify laws within their own state, read all information available, and ask plenty of questions in order to make an informed decision regarding GAP coverage for themselves.

Reasons You Should Consider Buying Flood Insurance Even If You Are Not in a Flood Plain

Flooding and the damage it causes is typically not covered by your home insurance policy. For flooding to be included, you have to purchase a supplemental flood insurance policy. One of the questions that INW Insurance Group, serving the Phoenix and Mesa, AZ area, is frequently asked is, "do you need this add-on insurance if you do not live in a floodplain?" We strongly recommend flood insurance to our customers, and this is why.

Not All Floods Happen in Flood Plains

Many people think that floods only happen in floodplains or the areas marked as high risk. But one in five floods hit homes that are outside of the high-risk area. This statistic means twenty percent of all flooded homes are affected. This statistic may seem low but is a high percentage for floods compared to other disasters and as such, one of the reasons why you should consider having flood insurance even if you are not in a high-risk area. 

Flood Insurance Covers More Than Floods Caused By Rain

The other reason why you may want flood insurance, even if you are not in a high-risk area, is because flood insurance covers more than just floods caused by rain. If you have a pipe that bursts, a septic tank that overflows, or a leaky toilet, a flood may occur in your home. In some cases, these types of floods may be covered under your home insurance policy. This is not always the case. Having flood insurance ensures that your home is protected against all types of floods, not just those caused by rain. 

If you do not have a certificate or add-on addendum to your home insurance that specifies flood coverage, your home may not be covered against floods. Let INW Insurance Group, serving the Phoenix and Mesa, AZ area, change this. Call us today to get a quote for flood insurance.

Pet Insurance and Wedding Insurance

Everyone knows about home and auto insurance, but what about wedding insurance and pet insurance? Surprisingly, there is such thing as wedding insurance and pet insurance! It may be something to consider. Let’s look at the facts:

The average wedding cost in Mesa, AZ is $24,859, making your special day very expensive. What happens when your big day gets canceled or great grandma Mary trips and falls? INW Insurance Group has a few different options you might consider for wedding insurance. There is wedding insurance itself which covers everything from cancellations to lost deposits. It also covers any fees you may have already paid to your vendors, which is a huge plus!

Liability and alcohol liability are also equally important in Mesa, AZ to protect you from any lawsuits, which sounds crazy, but it happens! You will want this coverage even if the venue doesn’t already require it. There is a lot more to getting hitched than you thought!

INW Insurance is a great place to start for any large event insurance coverage in Mesa, AZ. If you have any questions on wedding or large event insurance give us a call and we will be happy to point you in the right direction.

If you are anything like us and treat your pets like family, pet insurance might be something to consider. Pet policies cover just about everything you could get for yourself. They have basic health coverage, which covers visits to the vet, accidents, and some types of medication (of course it depends on the coverage you decide on.) Here are some tips from the pros to help you decide what pet insurance is right for your pet:

  • Find out how different carriers define and handle pre-existing conditions.
  • In some cases, insurance providers will not insure a specific breed of pet or may limit the number of pets you can insure, if they consider them “high risk.”
  • Some providers will give multiple pet discounts.
  • Co-pays, deductibles, add-on charges and other fees, should be clearly explained to you so you fully understand the policy and its limitations.

Why We Love Being Insurance Agents

Why We Love Being Insurance Agents

There are a few things that brought us to the insurance business, but many things that keep us here, serving you in Mesa, AZ. For many, insurance is just get your money and move on. That is why so many agents sell you the cheapest possible price. For us, being an insurance agent is more. It is about you, your family, protection and a relationship built on trust. What we do directly affects your quality of life, so we care about our customers like we do our own family. Check out some other reasons as to why we love what we do here at INW Insurance.

We Work For You!

One of the biggest things that we love about our job here at INW Insurance is that we aren’t directed by anyone but our clients.  As independent agents, we work for you, not the insurance company. This makes all the difference regarding choice and flexibility for you.  After all, it is all about you.

We Want to Help People Everyday

We love what we do because we get to help people every day here in Mesa, AZ. Not only do we find our customers the best quality insurance, we provide peace of mind that they are taken care of. When you help people every day, there is so much joy in what you do.

We Provide What Everyone Needs

Being an insurance agent for INW Insurance Group is something we can absolutely stand behind because insurance is something everyone needs. Why not make your insurance shopping a great experience by contacting INW Insurance? Because we aim to make your buying experience, exceptional.

Integrity Pays Off

We are in the business of building trust. You are trusting us to insure your home, vehicles and well-being. Why wouldn’t you want to know your insurance agent personally? We want to know you! We serve our community of Mesa, AZ with all our hearts and we provide you high quality service that sets us apart from others.

All in all, we cannot imagine doing anything else! Being an insurance agent allows us to do what we love which is helping people just like you.

Why You Need A Reliable Insuance Agent

When it comes to insurance shopping, identify the insurance policy that goes in line with your various business needs. Here’s where the agents come in. Their duty is to market insurance services in the best way possible. Picking a policy simply based on the cost is not always the best decision, instead you need to work with a reliable insurance agent. 

It is up to you to decide which agent in Mesa, AZ is most reliable and trustworthy. Starting with INW Insurance is a wise choice. There are certain factors you should look into so as to find the perfect insurance agent. Here is a couple of them:

1.Check Their Reputation and Background
A reliable agent is judged by the success of their insurance company. Such agents are more likely than most to be familiar with the available packages, prices and other valuable information for their clients. Therefore, check out your desired Insurance company’s background before contacting the agent.

2. They Should be Certified and Licensed
Just as the insurance company is certified and licensed, so should the agent be as well. Do your research to find out if the agent is certified to sell to clients insurance premiums. How do you do this? Check for a badge and an employee no. Crosscheck this info with the insurance company to be extra sure.

3. They Should Come Out Clearly
It all boils down to their communication skills. Do they struggle when it comes bringing out a vital point in the clearest way possible? Based on your preferences and terms, the agent should be able to determine which policy works for you. The essence of communication is to ensure that he/she understands you and vice versa.

To get the best in terms of agent services, get in touch with the INW Insurance Group in Mesa, AZ. You are guaranteed professional and top-notch services from our agents who will assist in finding your business’s suitable policy, versus picking a cheap policy. We are looking forward to hearing from you!