Learn To Save Money On Car Insurance

Before you buy your next car, check on insurance. Many people assume that SUVs are expensive and Neons are cheap. This is not necessarily true. Some companies will increase your liability based on the cost of damages your type of vehicle may inflict — big trucks cause big damage. However, they also rate the autos based on how likely they are to be damaged in an accident, how often they are stolen, and how badly driver / passengers are injured. That Neon (or Jetta or Honda) is going to be a lot more expensive than you think. 

Your driving record, good or bad, will be part of what becomes the calculations that determine your rate.  You have other choices that will also affect the dollar amount you pay for your car insurance.

Consider using higher deductibles. Everyone preaches this, yes, but it’s usually the easiest way to cut costs. Usually. (If your car is over ten years old, the savings may be minimal.)

Have all of your insurance in one place. Often, the more types of policies you have, the more you save in discounts.

Do not pay monthly. Your carrier will charge anywhere from $3 to $5 per month for this type of billing. Pay every six months if possible. If you must pay monthly, do an auto pay — the charges are less because they only send a bill if the amount changes.

Consider eliminating towing. Good maintenance and planning can save you money. Don’t run out of gas. Don’t lock your keys in your car. Make sure you have a spare tire and know how to change it. Sometimes your car will break down, but if your car is well-maintained, it won’t happen often. You may pay as much as $30 a year during the life of your policy and one tow costs $100. Before you drop towing make sure that in the event of an accident, towing is covered under your collision coverage.

Consider taking a safety-driving course? Some companies offer a discount for this.

A car with an alarm system may offer you a discount on your car insurance.

When considering your needs for insurance products for your home or business remember contacting Bennett Insurance Group is the right move.  Give us a call at 623-979-4140

Presented By:
Jim Bennett
Bennett Insurance Group
623-979-4140
http://jimbennettinsurance.com
jim@jimbennettinsurance.com

Bennett Insurance Group Presents: Martin Auto Museum

Created in 2005, the Martin Auto Museum is the brainchild of owner and founder Mel Martin. Mel saw a need to share a collection of vehicles that represent significant periods in automotive history.

At the Martin Auto Museum, visitors can view history through the decades in this vast collection. There are a number of race cars and one-of-a-kind vehicles to excite any automotive, art or history enthusiast.

In addition to the collection, there is meeting space available for groups of up to 120. Consider a visit to the Martin Auto Museum for your next special event! Please call us to schedule your event planning session.

Dedicated to the preservation of collectible and rare automobiles for educational purposes.

Location: 17641 North Black Canyon Phoenix AZ 85023

Hours: Friday & Saturday Noon to 5:30 PM

Website: http://martinautomuseum.com  •  admin@martinautomuseum.org

When considering your need for insurance products for your home or business consider contacting Bennett Insurance Group at 623-979-4140

Brought to you by:
Jim Bennett
Bennett Insurance Group
623-979-4140
http://jimbennettinsurance.com
jim@jimbennettinsurance.com

Are You Part Of Generation X or Y?

Do you consider yourself part of either Gen X or Gen Y?  If you are you need to know that a recent survey shows you need to have more information and a better understanding of financial products and how they will affect the rest of your life.

According to a recent LIMRA study more than half of Gen X and Gen Y consumers admit having little or no knowledge about investments and financial products.

The Life Insurance Marketing and Research Association  study supports the notion that “improving general financial literacy could lay the groundwork for improved retirement knowledge. Too few consumers have a good understanding of  basic financial concepts and this lack of knowledge can hinder their retirement planning efforts.

The LIMRA study found that Generation X and Y consumers who work with financial advisors are more likely than those who do not to be very knowledgeable about investments and financial products  The study found that only one in five work with a life insurance professional.

The study found that married Gen X and Gen Y consumers are very slightly more likely than unmarried Gen X and Gen Y consumers to be very knowledgeable.  Gen X and Gen Y consumers who have graduated from college are more likely than those who have not to be very knowledgeable about investments and financial products.

Baby boomers are slightly less likely to indicate that they are “very knowledgeable” about investments and financial products than Gen Xers and Gen Yers. Four percent of baby boomers report being very knowledgeable compared with 7 percent of Gen X and Gen Y consumers. However, Baby Boomers are less likely than Gen X and Gen Y to indicate that they are “not at all knowledgeable” the study noted that comparisons to baby boomers were not a part of the current LIMRA analysis.

The study also found that the market opportunity to offer retirement products and insurance to Gen X and Gen Y households is growing. Some 43 percent of the nearly $3 trillion in Gen X household financial assets is invested in retirement and pension accounts, based on an analysis of the Federal Reserve Board’s 2010 Survey of Consumer Finances. Two thirds of retirement and pension account assets are held in DC savings plans and 30 percent are in IRAs.

When considering your needs for insurance products for your home or business remember contacting Bennett Insurance Group is the right move.  Give us a call at 623-979-4140

Presented By:
Jim Bennett
Bennett Insurance Group
623-979-4140
http://jimbennettinsurance.com
jim@jimbennettinsurance.com

Lifestyle Affects Home Owners Insurance Costs

As a home owner you have a vested interest in what you pay for your home Owners Insurance.  You know that the location and the value of your home are major factors in what you pay for your Home Owners Insurance.

Many home owners don’t consider that their lifestyle can have a major affect on the final dollar figure they pay for insurance.  Things that you may never consider can affect how much you will pay for your insurance.

Do you have a security system? Is it monitored?  What services are featured?

Do you have an attached garage?

Do you have a trampoline? How large is it? What safety features does it have? Where is it?

Do you have a fireplace?  Wood burning?  Gas fired?

Do you have a pool?  Is it fenced?

What type of pets or livestock do you have?

What type of fire department protects your property?

What types of sidewalks do you have?

Do you have snow and ice accumulations during the winter?

Do you have special tools, valuables or other items that need to be covered?

How much contents coverage do you need?

Does your property qualify for flood insurance?

Have you made changes or additions to your property?

How mature and what type of trees does your property have?

Are you using combined insurance products from the same company?

When considering your needs for insurance products for your home or business remember contacting Bennett Insurance Group is the right move.  Give us a call at 623-979-4140

Presented By:
Jim Bennett
Bennett Insurance Group
623-979-4140
http://jimbennettinsurance.com
jim@jimbennettinsurance.com

Insurance Needs and Your Business

Do you have a contingency plan to take care of unplanned events or emergencies? Is your business risk-proof?

No matter how big or small your business is, it faces risks that could lower profit margins and eventually force you to close your doors - often without much notice.

Being true business professionals, we understand how serious these risks can be. We also realize that every dollar spent counts in business. That's why we have created customized business insurance plans to protect your business from unforeseen and unexpected events.

As your Insurance agent, I believe there’s more to insurance than the policy itself. It’s about providing dependable protection and service. That’s why earning your trust is my policy.

Bennett Insurance Group, Inc. has been in the insurance industry for over 20 years and takes tremendous pride in serving you to the very best of his abilities.

Ask our sales team and you will get to know why it's pure fun to work with us.

We are a diversified group of people, past pioneers, and present day visionaries,  all moving towards our goal of providing peace of mind through insurance solutions. With a relaxed workplace culture, flexible benefit programs tailored to individual employees, ongoing training and professional development and a keen focus on internal communications, we expect to grow together with our trusted partner - you.

Our Corporate Culture

• Be accessible, professional and friendly as we strive for service excellence.

• Promote a culture with a broad range of products to meet member needs.

• Offer innovative products and be responsive to the marketplace with superior product delivery.

• Offer technology to meet member needs.

• Build member loyalty, advocacy and insistence.

• Be community-involved and recognized as a good corporate citizen.

When considering your needs for insurance products for your home or business consider contacting Bennett Insurance Group at 623-979-4140

Presented By:
Jim Bennett
Bennett Insurance Group
623-979-4140
http://jimbennettinsurance.com
jim@jimbennettinsurance.com

Wholesalers and Distributors Insurance

The wholesale and distributor business can be a tough one. Fire, flood and damaging storms can harm your products and warehouse. Thieves can target your inventory and damage property just trying to get to it. And every part of your supply chain, from late supplier shipments to unpaid deliveries you’ve made, can impact your ability to pay bills and payroll. Make sure you have updated wholesalers business insurance coverage to protect you against such losses.

At Bennett Insurance Group, Inc. we understands the importance of distributors insurance. We know your business and the unique exposures you face every day. We can work with you to create a business insurance policy for wholesalers and distributors that meets your needs, all at a very fair price.

Bennett Insurance Group offers a broad range of coverages that are cost-effective and perfectly tailored for your business requirements if wholesaling or distributing. Get coverage specifically designed for today's wholesalers and distributors.

If you’re not sure which coverages your business needs, you’re not alone. That’s why we created an overview of some of our most popular coverage options to supplement your wholesalers insurance. If you have questions, be sure to contact us. You’ll learn why so many wholesale and distributor companies rely on us for essential insurance protection and responsive claims service.

Our programs for wholesalers and distributors include exacting risk assessment and loss control expertise that can help reduce insurance costs for everyone from the small supplier to the large distributor.

Our business owners insurance package for wholesalers and distributors is a smart way to protect your company. It includes important coverage options and can be customized with additional endorsements depending on your size, location and other factors.

When considering your needs for insurance products for your home or business remember contacting Bennett Insurance Group is the right move.  Give us a call at 623-979-4140

Presented By:

Jim Bennett

Bennett Insurance Group. Inc.

623-979-4140

http://jimbennettinsurance.com

jim@jimbennettinsurance.com

Bennett Insurance Group Presents: Phoenix Central Library

In this day and age of computers, satellite TV and smart phones many people overlook the old fashioned library as a source of information, entertainment and research.  A modern library can put other sources to shame when it comes to the information age.

Phoenix Public Library is yours to explore!

Between July 1, 2011 and June 30, 2012, more than 4.6 million people visited Burton Barr Central Library and 16 branch locations.  

They checked out more than 14.4 million books, DVDs and CDs.  

The Library's website received more than 27.5 million hits.

In November of 1897 fourteen women organize the Friday Club to start a public library.  On June 21st, 1898 the Friday Club opens the first Phoenix Public Library in the Fleming Building at Washington and First Avenue. After that the library moved several times and many branches were opened.  On December 16th, 1973 the new Burton Barr Century Library at 1740 East Highland Avenue is dedicated.

More than fourteen other branches have been opened or renovated since the new central library became the focal point of the Phoenix Library system.

Recently the library has started a new program with Project NOOK.  It is a pilot program to provide NOOK e-readers to Phoenix Public Library customers.  NOOKs may be borrowed for 21 days and may not be renewed.  Overdue fees apply.  The device must be returned to the service desk of the library from which it was borrowed.  NOOKs that are not returned will be deactivated.  Customers will be billed for damage, loss or non return of the NOOK and/or peripherals, including easel cover and power kit (power adaptor and USB cable).

Phone: (602) 262-4636

Website: http://www.phoenixpubliclibrary.org

When considering your need for insurance products for your home or business consider contacting Bennett Insurance Group at 623-979-4140

Brought to you by:
Jim Bennett
Bennett Insurance Group
623-979-4140
http://jimbennettinsurance.com
jim@jimbennettinsurance.com