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.