Posts Tagged ‘auto insurance’

Why do I need an Umbrella policy?

Tuesday, January 8th, 2019

Here is example #5,345 of why you need an umbrella policy!

Yours truly, (Joe Beck) took the family out west for a quick vacation. En route to the Santa Monica Pier we passed through Hollywood to be tourists and gawk a bit……

It didn’t take long before I nearly crashed into a $600,000 Rolls Royce in our rental car. (missed it by mere inches at 60 mph!)

Bijan Rolls Royce Phantom (yellow) parked along Rodeo Drive. Value $1,600,000

It was either cut the car off and risk hitting it, or for sure smash into the back of a Jaguar. (I didn’t know the model of the RR at the time…otherwise I would have picked the Jaguar!)

Think of the financial devastation you would incur if that happened and you didn’t have an umbrella policy.  Especially if you had lower liability limits as well.

Yikes!! 

Contact Beck Insurance Agency in Archbold, Ohio today to see how little higher auto liability limits and a personal umbrella policy actually costs.  Call 419-446-2777, or click here.

We serve all of Ohio as well as Indiana, Michigan, Tennessee, Georgia, and Florida.  All lines of insurance……

Home and Auto Insurance Quotes

Tuesday, July 17th, 2018

Interested in home and auto insurance quotes?  Has it been awhile since you last looked?  Are you confident that your coverage provides adequate protection against financial devastation?  Are your premiums fair for the coverage being carried?

The insurance industry as a whole has done the buying public a great disservice with their continual “cheapest insurance is best” marketing.  Everyone is going to save you hundreds by switching to them, but what protection are you getting in return?  What good does it do if the worst happens and you are financially ruined?

If any of this concerns you, please give Beck Insurance a call for free, no obligation review and quotes.  We will evaluate your needs, identify exposures and propose plans to do just what insurance is intended to do in the first place….protect you.

Natalie Grieser & Kylie Schultz, two of our personal home and auto insurance specialists…are ready to quote your business and earn your trust.  Contact one of them today.

Phone 419-446-2777  /  Online Request Here  /  Email – Natalie@beckinsurance.com or kylie@beckinsurance.com

 

Kylie Schultz moves from customer service to sales and consulting role.

Thursday, May 10th, 2018

Beck Insurance Agency is pleased to announce that Kylie Schultz has moved into a sales and consulting role. Since 2016, Kylie has focused primarily on customer service while learning the industry, products, carriers, and processes.

Kylie’s role going forward will be in personal lines, focusing on Home and Auto Insurance as well as other lines that tend to go along with that.  (boat, RV, motorcycles…..)

Kylie’s objective is to identify and solve your coverage issues by providing solutions and other options available to you, at the fairest rate possible.

She can be reached at kylie@beckinsurance.com / 419-446-2777 / 877-446-2325 (BECK) / Or here via the web

 

 

Spring is coming

Wednesday, February 14th, 2018

Spring is coming to Ohio!

With Groundhog Day just past us, it’s time to start thinking about spring. (Or time to at least hope that springtime is coming, anyway.) And whether Punxsutawney Phil or the local groundhog saw his shadow or not, we here at Beck Insurance Agency have you covered.

Get ready for spring

Although everyone thinks of cleaning when it comes to spring, there are a number of things you should do to make sure your home is ready when the weather in Ohio, Indiana, and Michigan changes. Below is a selection of maintenance tasks from the National Center for Healthy Housing (you can see the full list at http://portal.hud.gov/hudportal/documents/huddoc?id=DOC_12334.pdf).

Check to make sure your roof’s shingles are in good condition, and check your attic for any possible roof leaks that should be repaired.
Look for peeling paint and repair/touch up as needed.
Check for signs of leaks at window and door sills and use caulking or weather stripping to seal.
Clean your dryer vent and make sure exhaust ducts are clear.
Make sure there are no puddles or wet spots in your basement or crawlspace.
Look for signs of rodents, roaches, termites, etc. Call an exterminator if you suspect an infestation.
Clean your gutters and downspouts.
Clean air conditioner coils and drain pans.
Check/replace the batteries your home’s smoke and carbon monoxide alarms.
Replace filters in your air conditioner and dehumidifier.
Store winter heaters, ensuring that liquid-fuel heaters are completely emptied. These should be stored outside, if possible.

What? Six more weeks of winter?

Well, you can take solace in the fact that spring will be here eventually. In the meantime, here are some quick tips from Johns Hopkins University to avoid the “winter blues” and get through those long weeks of waiting.

Keep active. Exercise releases endorphins that will elevate your mood.
Eat well. High-sugar foods and large amounts of caffeine can feed depression and actually decrease your energy level. Foods such as whole grains, fresh fruits and vegetables, seafood and lean meats can help your immune system.
Go to the light. Bring as much light into your life as possible, by spending time outdoors, opening your shades so your home receives more natural light, or even get help from a “light box.”
Get your rest. Go to bed around the same time every night and wake up at the same time each morning. You’ll have more energy during the day.

Of course, if you have strong feelings of depression, please seek assistance from friends, family or a trusted health-care provider. There are people ready to help, whatever the season.

SIDEBAR: Time for an insurance review?

If an annual insurance review wasn’t included in your New Year’s resolutions, why not get it done while you’re in the cleaning and organizing mood this spring? Your life changes over the course of a year — sometimes in monumental ways. That means your insurance needs can change, too.

At Beck Insurance Agency, we can work with you to make sure you’ve got the coverage you need, while at the same time utilizing all possible credits and discounts to make that coverage affordable. Just give us a call at 419-446-2777. We want to help you meet your goals, and make sure what’s important to you is protected!

Stop Texting and Driving – a free app??

Tuesday, November 28th, 2017

Texting and driving has become an epidemic in the United States. According to the National Highway Traffic Safety Administration, distracted driving claimed 3,477 lives in 2015 alone.  This number has only climbed year after year.

Recent statistics now indicate that 1 out of 4 accidents are a direct result of texting and driving.

In addition to the obvious safety issues and dangers, insurance carriers are seeing a significant impact of cell phone use while driving – both in frequency and severity on auto insurance claims.  This widespread cell phone use while driving (combined with sustained lower gas prices) are now causing Auto Insurance premiums to rise in reaction in order to maintain acceptable combined loss ratios moving forward.

Beck Insurance Agency has experienced first hand the impact of texting and driving, having had one of our carriers recently paying a settlement of nearly $1.2M for an accident caused by texting and driving for a client.

While the solution is obvious, the implementation is not quite as easy.  Parents can’t always police their teenage drivers, employers can’t always police their drivers and / or employees.

Maybe until now??  Recently reading a Truck Insurance article by Acuity Insurance I learned of a new (free) cell phone app called “LifeSaver“.  While I have not personally yet used the app, (and this is not an endorsement or an official recommendation) I do feel that it is certainly worth looking into if you 1) have loved ones, 2) have a hard time putting the phone down yourself, or 3) own a company that requires employees to drive.  I will be personally checking it out.

If you wish to give it a try, there is the LINK to their website.  If you do try it, please contact us HERE and let us know what your experience was and if you liked or disliked the app. 

You can also call us at 419-446-2777, or email me directly at joe@beckinsurance.com

Thank you and be safe…..

Joseph D. Beck, VP, CIC

Auto Insurance

Sunday, November 19th, 2017

Auto Insurance

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with us to determine the best coverage for you.

Insurance for cars, trucks, boats and more!

Beck Insurance Agency can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too! Contact us for more information today!

How much auto insurance is right for you?

Based in Archbold, Ohio, the team at Beck Insurance Agency understands the auto insurance needs of our customers.

Auto insurance requirements vary by state. In some states, to drive you must carry:
Liability coverage – to pay for losses you cause others, or:
No-fault coverage – to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
Both liability and no-fault coverage.

We write insurance in Ohio, Indiana, Michigan, Tennessee, Georgia, and Florida and would be happy to help you ensure you have the right coverage for where you live.
Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance (Other than Collision)

Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). And although it’s not legally required by any state, you will probably need it if your car is financed.

Every person is unique – talk to us today to find out how to get the best price and value on auto insurance for you.

Beck Insurance Agency:  “Check with Beck Before You Wreck“.  Call for a quote today at 877-446-BECK (2325), Email us at info@beckinsurance.com, or hit us up via the our Contact Us page!

What does a CIC Designation mean for you?

Thursday, November 9th, 2017

Today’s insurance and risk management industry is vast, complex, and full of confusing variety. As you consider what kind of coverage you need for your unique set of risks and exposures, keep in mind that training as a Certified Insurance Counselor (CIC) has prepared us to be the competent and proven advisors you need. Our drive is what led us to go for the CIC designation. It represents a career-long commitment to stay on top of important industry changes and to be aware of new risks that arise so that we may better serve our clients.

Beck Insurance is not the kind of agency that is content to just collect annual commissions. We strive to be the best that we can be. We use our education to gain an in-depth understanding of the nuances of complex risks and the best way to address them. Training to become a CIC includes 100 classroom hours and five comprehensive exams. Additionally, we attend far more continuing education courses than required every year to keep our knowledge and skills up to date in order to ensure that you always receive the attention, care, and current information necessary to make your coverage decisions.

The CIC designation and pin are marks of distinction that demonstrate our commitment to professional excellence and leadership in the insurance industry. We are proud to be among 31,500 CICs in the country, “the best and most knowledgeable insurance practitioners in the nation.”

Joe Beck, VP/CIC – Bill Beck, Pres/CIC – Kirk Beck, Ret/CIC

 

Q&A with Next-Gen Agent Brock Cousino, Beck Insurance (story by the OIA, Ohio Insurance Agents Association, Inc.)

Wednesday, November 1st, 2017

At just 25-years-old, Brock Cousino is in the beginning of his career as an independent agent. However, he quickly learned the powerful impact he can have as a trusted risk advisor from an unexpected family hardship.

IA Revolution: Tell me about your background before entering the insurance industry.

Brock Cousino: I graduated from the University of Cincinnati with a degree in sports administration and a minor in business administration. My first job out of college was working in operations management at the Stroh Center, a multi-purpose arena on the campus of Bowling Green State University.

IA Revolution: What made you decide to take the leap into the insurance industry?

BC: While I was working at the Stroh Center, a family friend, Joseph Beck, reached out to me on Facebook and asked if I had any interest in becoming an insurance agent. Honestly, I knew nothing about insurance at the time! We met for dinner to discuss the opportunity, and I asked him a bunch of questions.

After our conversation, I started right away at his agency, Beck Insurance Agency, Inc. located in Archbold, a small town in Northwest Ohio. That was back in November 2014, and I’m still part of the same agency to this day.

IA Revolution: What experience has been most impactful for you as an independent agent?

BC: My parents were actually my first clients. I sold them a $500k combined single limit policy and $1 million umbrella. For their entire lives, they had coverages of only $300k / $100k limits on their auto policy. Little did I know, soon after I sold them this coverage, it would prove invaluable to my family.

On Memorial Day weekend, my sister was driving home alone from a friend’s house. She swerved to miss debris on the highway, and lost control of her car. She went across the median and was t-boned by a car going the other direction on the highway.

Thankfully, the car hit the passenger side, as paramedics said she likely would not have survived the accident if the car hit the driver side. My sister was in the hospital for three days, and the two passengers of the other vehicle were in the hospital for several months.

The claims process took about a year and a half to get settled. With all the medical bills, it was about a $1.2 million claim. The umbrella coverage truly protected my family from financial ruin.

IA Revolution: As a young agent, what are your long-term goals for the future?

BC: I grew up in Toledo and have spent a majority of my life in Northwest Ohio, so my hope is to live in a bigger city at some point in the future. For now, I enjoy working near my hometown and meeting with clients in the Detroit area since my agency also writes insurance in Michigan.

I can see myself being an independent agent for the long run. I absolutely love helping people find the right insurance for their needs. The hardship my family went through truly demonstrates that the right coverage makes all the difference when the unexpected happens.

Story by Breanne George, Ohio Insurance Agents Association, Inc.  Original story here:  https://www.ohioinsuranceagents.com/agent/ia-revolution/2017/next-gen-agent-brock-cousino-beck-insurance

Contact Brock at 877-446-BECK (2325) or at brock@beckinsurance.com