Auto, Home, Business & Commercial Insurance - Missoula, MT
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August 14, 2013
July 26, 2013
May 30, 2013
Many travelers operate under the misconception that car rental rates are all about the same, and that shopping is a waste of time. But rates do vary, sometimes by quite a bit, between companies and destinations. Our agency has a few tips for you.
1. Book on-line: The web often offers the best deals.
2. Try renting mid-week, if your travel plans allow.
3. Avoiding unnecessary insurance: Car rental companies try to sell insurance to accompany your rental, but many homeowners or home automobile insurance policies and some premium credit cards already cover car rental insurance so it always pays to check before accepting this option. Contact our agency to make sure you have the necessary insurance.
4. Always buy your gas away from the airport; it can be as much as .25 per gallon less.
5. Join reward programs: Many car rental agencies, hotels and airlines offer discounts if you are a member of a travel program.
6. Look into renting the car for longer than you need, some agencies give you better daily rates for a week, and don’t charge you for early returns.
7. Supply your own car seat if possible, they really upcharge you for this.
8. Many rental car companies will try to up-sell you to a bigger vehicle or ask you add other features like GPS. Don’t do it. Remember your smart phone can be your GPS.
9. Double check all fees.
10. Make sure that you have towing coverage on the car you insure with us.
Before you drive away from the pickup station, inspect the car carefully for damage. Be sure the lights and turn signals are working properly, and check the mileage odometer. Report any defects at once. You can always contact us for a review of your coverage and how it might apply when you rent a car.
August 20, 2012
If you are like many people, you have probably wondered how to best organize and store your life insurance records. You should store all of your insurance policies, regardless of what type, in a fire-proof safe or safety deposit box. You can always keep copies of the originals in your regular files at home, but it is a good idea to keep the originals in a fire-proof safe or safety deposit box because they will have a much higher level of protection. It is critical (in case something happens to you) that the individuals who may ever need to access the policies, know about the policies, know where they are located, and are able to access them.
Life Insurance Policies Specifically
Many people have more than one life insurance policy, which can be because we have one or more through our employer, and/or because we have also obtained private policies or annuities. To keep your life insurance records organized and easy to locate, it’s a good idea to put all of your policies in one “life insurance” file and store it in either a safety deposit box or fire-proof safe with your other policies. You want to make sure that your life insurance records are safe and can be located easily because if something were to happen to you, the last thing you would want is for your beneficiaries to have difficulty locating such records while dealing with the stress of your passing.
As mentioned earlier, you should keep original policies in a fire-proof safe of safety deposit box, and keep copies at home or the home of a trusted individual. The reason for this is that you will have the originals well-protected, but will also now have copies of the policies in two different places. The purpose of this is to enable your beneficiaries to locate the necessary life insurance documents in the event of your passing, but is also designed to protect these important documents from being destroyed or lost due to fire, flood, theft, or another cause. With two sets of records, if one set of records was lost or couldn’t be located, there would still be another set.
For each life insurance policy and in each storage location, you should keep the following information:
The reason why you want to keep such detailed information about each policy is because you want to prevent your beneficiaries from having to deal with the unfortunate event of your passing and the additional stress that could result from any confusion or difficulty in verifying or locating policy. Keeping your policies organized and safe will provide you with this peace of mind.