27 S Kirkman Rd Orlando, FL 32811 p: (407) 290-6262 f: (407) 290-6201 e: info@allsafeins.com w: www.allsafeins.com

Spring 2009


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Have you ever been called out of town for business or a family emergency? Upon your return, you go through your mail and find an insurance cancellation notice. You are not alone.

Did you know many companies offer electronic funds transfer (EFT) or reoccurring credit card billing options? When you set up an EFT or reoccurring credit card billing account, your payments are taken out of your checking account, savings account or charged to your credit card monthly.

Each company is slightly different in what they offer however, most companies offer a reduced monthly service change when using EFT. Your company will require your bank account information and a signed consent form to set up these billing options. Our Customer Service Representatives can review those options with you. Call today (407) 290-6262.

THE TOP 5 REASONS WHY YOU SHOULD CHOOSE AN INDEPENDENT AGENT

  1. Independent agents live and work in your community, so you can visit and discuss your personal insurance requirements in depth, face-to-face.

  2. Your needs come first. Independent agents don't work for a single company They work for you!

  3. Independent agents are able to tailor an insurance solution from a multitude of choices offered by many different companies.

  4. Instead of using generically designed products, you will receive a "package" designed just for you.

  5. Independent agents engage in an ongoing program of professional education to insure that their clients receive the most current, knowledgeable and capable counsel.

11 Dog Breeds that Raise Your
Home Owners Insurance

Many consider their dogs to be members of the family. At the same time, certain breeds have appeared in the news as a result of injuries they have caused to other dogs and to people. Insurance companies have noted these incidents and some carriers have incorporated breed restrictions on home insurance policies.

Even though some large breeds are known to be good guard dogs, owning certain dog breeds raise home owners insurance premiums or potentially restrict you from obtaining home insurance.

If you are shopping for home owners insurance or are considering adding a new dog or puppy to your family, itís important to know if the breed you desire is on the "no-insure" list:

  • Akita

  • Alaskan Malamute

  • Chow Chow

  • Doberman Pinscher

  • German Shepard

  • Pit Bull

  • Presa Canario

  • Rottweiler

  • Siberian Husky

  • Staffordshire Bull Terrier

  • Wolf Hybrid

According to the Insurance Information Institute, dog bite liability claims have consistently risen over the past 10 years, reaching levels in the hundreds of millions annually. Itís not only the potential for biting, but the property damage some breeds may cause to your home or your neighborís home.

Breed restrictions within home insurance policies vary from carrier to carrier, and from state to state. Your best bet is to consult with your insurance agent to see if your current insurance company has a breed restriction policy in place.

The good news is dog owners can take extra steps to secure a home insurance policy while reducing the potential for high premiums. Putting your dog through training courses and providing certification of completion to your insurer is one way to do this. Installing sturdy fencing to secure your dog on the premises is not only a smart safety precaution, but is favored by insurance carriers as well.

Itís also important to note that some insurance carriers determine eligibility on a case-by-case basis and may not cancel your homeowners policy, but will write an endorsement that excludes any potential dog liability claims. Some exotic animals can also cause higher rates or denial of coverage.

Learn more about homeowners insurance from Allsafeins.com

Compare Car Model Insurance Rates

During our current economic times, car dealers are offering more incentives to help offset weak car sales. This means you have even more power to get a deal on a new or used car. Before you drive that car off the lot, itís smart to shop around for car insurance to see how much your desired car model will cost to insure. What you learn could surprise you.

Factors Used to Calculate Car Model Insurance Rates

While you may expect to pay more to insure a luxury car versus a small economy car, insurance companies factor in more than the carís price tag to determine individual insurance rates for car make and models.

  • Cost to repair Ė The cost for comprehensive and collision coverage may be higher for some make and models as compared to others, based on the carís history and how prone it is to damage. For example, one car modelís bumper may fair well in a minor accident, while another may need the entire bumper replaced.

  • Auto Theft History Ė Car thieves tend to have their favorites list, and car models that are more prone to car theft than others will most likely have a higher insurance rate.

  • SUVs Ė Car models with fast engines or sports cars are known to have higher insurance rates, but what many people may not know is that sports utility vehicles (SUVs) typically have higher auto insurance premiums versus a standard passenger car. SUVsí history has shown it causes a higher level of damage when involved in an accident, and for a while, certain makes and models were having a higher than normal rate of flipping incidents.

Benefits of Shopping for Inexpensive Car Insurance

Comparing car model insurance rates before you buy will not only avoid insurance sticker shock, but offers the opportunity to find affordable, inexpensive car insurance.

It may also result in finding a car that:

You could also save money on your car insurance if your new car has an antiĖtheft alarm system, tracking system such as Lo-Jack, anti lock braking system or other safety features. Of course, a good driving record, taking defensiveĖdriving courses, and having good credit can also reduce your car insurance premiums.

See how much auto insurance you could save today on your make and model by getting a quote at Allsafeins.com

GO PAPERLESS AND SAVE

Many insurance companies are offering incentives to customers to go paperless. By providing your Agent with your email address and having them sign you up for paperless communications you may actually save by receiving a reduced premium. Call our office today at (407) 290-6262 or update your contact information online at Allsafeins.com

You may not only safe a tree but also, some cool hard cash. Cooooool

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Allsafe Insurance and Financial Services ~ 27 S Kirkman Rd, Orlando, FL 32811
phone: (407) 290-6262 fax: (407) 290-6201 email: info@allsafeins.com web: allsafeins.com
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