Tuesday Tip important things to consider when comparing auto insurance...

Why "cheap" isn't a good word when speaking about car insurance? When you are looking for a good auto insurance policy many people think that price is one of the most important things to consider. While price is certainly one of the key things that we look at when comparing policies and most always one of the first things that causes people to start looking- adequate coverage is always more important.

Saving money by raising deductibles, removing coverages, waiving PIP limits and having minimum UM limits is a way to lower your price but at what cost? Accidents happen and having higher limits of liability will always protect you and your family better than a bare bones policy. These limits also can and will protect your loved ones in the event you are involved in an uninsured motorist or underinsured motorist claim.

Many direct carriers are geared to focus on price and price alone as they know that is the key to having people switch. When comparing policies online their systems most always default you with higher deductibles and lower limits. Our agency would much rather earn your business the right way. Let our award winning team provide you and your family the protection that you need and you deserve.

Have questions give us a call 410-651-1111 or 410-749-2220! 

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Tuesday Tip

Take a look at the most common and the most expensive causes of property losses. This study was conducted by Travelers over a period of 8 years. They have determined fire is ranked as the most expensive cause of loss. However the most frequent cause of loss is from wind claims. Ranked in 2nd for the most common loss is non-weather water losses which is also the 3rd most expensive as well. These losses are from plumbing, sewer, or appliance leaks and failures. We often recommend water leak sensors to our homeowner clients which can detect small amounts of moisture and alert you of a leak. You can find inexpensive sensors at amazon such as these from First Alert. If you have a centrally monitored alarm system in your home many companies offer sensors that can be integrated to alert you just as smoke detectors.  

We hope you enjoy our Tuesday Tips and please share with your friends and family. Have questions give us a call 410.651.1111 or 410.749.2220.

Stay safe insurance family,

Tuesday Tip - Reconstruction Cost vs. Market Value

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Hi Insurance Family! It's Tuesday Tip Time. So what is the difference between Replacement cost vs. Market Value?

We are often asked by our insurance family why their home is insured for $220,000 when they get their tax assessment or say they could only sell the home for $150,000. There are many factors that are considered when calculating replacement values of homes such as quality of construction, construction materials, as well as location and many other factors. In addition to MSB and E2value software that insurance companies use for calculating reconstruction estimates many insurance companies use independent inspectors to help determine the reconstruction value of your home.

So just because you may have purchased your home for significantly less than what it is insured for, that doesn't mean it would not cost that much to build it back. With recent catastrophic events such as the wildfires in CA and elsewhere across the country it has put a strain on building materials and has caused construction material prices to increase substantially.

Another important reason to keep your home insured to value is when dealing with most replacement cost policies is because if the home is not insured at least 80% to value you may not receive the full value of your claim. This is why it is very important to contact your agent if you have built an addition or made significant improvements to your home?

Have questions give us a call 410.651.1111 or 410.749.2220!

Special Discount...not so special?

  Hi Insurance Family it is Tuesday Tip Time Again! So you are getting a special discount? Part of an affiliate program, have a club memberships, or an employer sponsored or endorsed plan? These and many other discounts are quite confusing? Especially when many times people realize they are paying much more money for far less insurance coverage... (watch the video to learn more...)

Hi Insurance Family it is Tuesday Tip Time Again! So you are getting a special discount? Part of an affiliate program, have a club memberships, or an employer sponsored or endorsed plan? These and many other discounts are quite confusing? Especially when many times people realize they are paying much more money for far less insurance coverage... (watch the video to learn more...)

New Maryland Enhanced UIM

Tuesday Tip - Enhanced UIM What’s that?

 

Starting on July 1st of this year all new policies sold in the state of Maryland must offer Enhanced Underinsured Motorist Coverage. This new law applies to private passenger auto policies which include motorcycle policies as well but not commercial autos.  With Enhanced Underinsured Motorists Coverage in the event of a claim your liability limits will not be reduced by the amount of available coverage from the at-fault party’s insurer. This in simple terms means you will be able to use the full amount of your own insurance even if the other parties policy has paid out under their liability limits in an amount equal or greater than your own liability limit. Existing policies are not required to offer Enhanced UIM so it is important to check with your agent if you are considering adding this valuable coverage. In my opinion it would be in policyholders best interest to add the enhanced Underinsured Motorist Coverage. I have seen a number of claims which the at fault party has inadequate coverage and by adding the Enhanced UIM it will allow you to access your full limit on your own policy.

 

Have questions? Give us a call 410-651-1111 or 410-749-2220

 

http://insurance.maryland.gov/Insurer/Documents/bulletins/17-07-Enhanced-Underinsured-Motorist-Coverage.pdf

Tuesday Tip July 3rd 2018 Mobile phones and claims phone numbers

At the time of a loss most people don’t know what to do. From a devastating house fire to a minor auto accident one of the most important pieces of information can be kept in the palm of your hand. Your mobile phone. Most companies today have mobile friendly apps that you can access claims numbers, and even ID cards. In the event your specific company doesn’t offer a mobile app it is a great idea to keep your policy numbers and the number to the claims centers saved in your phone in the event of a loss. Of course we are here to help you but in the event of a claim after hours or on a holiday having this information can simplify filing a loss and get you on the way to having repairs completed .

 

Have questions? Give us a call 410-651-1111 or 410-749-2220

Insuring your teen driver

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Insuring your teen driver

You probably already assume that it will be expensive to insure your teenage driver. But adding a young driver to your insurance can easily double what you are paying now. Considering that half of all teens will be involved in an accident before graduating from high school according to the National Safety Council it is no wonder why. When it comes to insurance for your young driver it is the perfect time to have your insurance policies reviewed. While some companies are extremely competitive for Adults, or Married couples they may not be in the market or offer a competitive rate for young drivers at all. The most important thing is to make sure your teen is a listed driver on your policy if they live in your household or have regular access to your car. It is also extremely important to review your liability limits on your policy as well as consider a personal umbrella policy if you do not have one already.

Have questions? Give us a call 410-651-1111 or 410-749-2220

Summer Grilling Safety

We wanted to share with our Gary Marshall Agency Family - "Master Barbecuers" some facts regarding home fires involving grills and Tips to prevent them in the first place. Take a look at the National Fire Protection Association's Fact Sheet found here: 
🌭 http://snip.ly/57vff 🍔

Tips to prevent grill fires:

🔥Keep your grill clean
🔥Keep your grill away from combustibles
🔥Don't leave your grill unattended
🔥Make sure to check your hoses and connections to gas lines

Be safe Insurance Family! 👍

Are VIN #'s required to get a quote?

No you don't...However you will be getting the most accurate quote having the VIN # to your car or truck. Having the year, make and model is great but many manufactures have several submodels of the same car or truck. For example a simple google search for a 2018 Toyota Camry will show that there are 7 submodels ranging in prices from $23,495 - $34,950. Not only is the price of the vehicle going to make a difference the options and safety features can play a big difference in determining prices on car insurance too. These factors can change the symbols that insurance carriers use to determine rates and that can make a difference in your insurance cost.

We always recommend to our Insurance Family when looking for a new car to call us with the VIN # and let us go over some options before purchasing a car. 👍

Wishing You & Yours a Very Merry Christmas!

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We want to take this time to wish a Merry Christmas to you and your family and Thank You for being part of the Gary K. Marshall Insurance Family. 

Our offices will be closed on Christmas Day December the 25th. We will reopen for normal business hours Tuesday the 26th.

In the event of a claim please call our office and leave a detailed message as well as calling the claims line on your ID card or policy. For a list of most claims lines you can find them by visiting our website @ www.garymarshallagency.com/claims-centers

 

Thankful for you

Giving Thanks to you.
Happy Thanksgiving!

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Our offices will be closed for Thanksgiving Thursday the 23rd and Friday the 24th. Hopefully your Thanksgiving Holiday is free from insurance related events but if one arises please call us at 410.651.1111 and leave us a detailed message. Also be sure to call your claim in directly to the claims reporting number located on your policy or your insurance card. For a list of most carriers claims lines you can find them by clicking here. You are also able to make payments over the phone or online with most companies by simply calling your company's customer service line or visiting their website as well. 

If you have not made sure your home is ready for winter weather please check out these simple tips: 10 Winter Maintenance Home Prep Tips

Follow us on Facebook: Check out all of the contest that we have and stay informed with valuable insurance tips by liking our page on Facebook. Click Here

Thank you for your business!

Happy Labor Day 2017!

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September 2017

Our office will be closed on Monday September the 4th for Labor Day.

Enjoy your long weekend at the beach, barbecuing with family and friends, or whatever you choose to do. Most importantly have fun and be safe. Get a quick history lesson about Labor Day by clicking here.

We hope that your long weekend is free from insurance related events however if one arises please call us at 410.651.1111 and leave us a detailed message. Also be sure to call your claim in directly to the claims reporting number located on your policy or your insurance card. For a list of most carriers claims lines you can find them by clicking here. You are also able to make payments over the phone or online with most companies by simply calling your company's customer service line or visiting their website as well.


Your friends at Gary K. Marshall Insurance Agency

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Happy 4th of July!

Happy 4th of July!

Our office will be closed on Tuesday the 4th of July.

We hope that you enjoy the 4th of July and that you get to spend it with family and friends. If your plans have you traveling please drive safely. Test your knowledge about Independence Day - American History Quiz it is a fun quiz! 

We sure hope that your 4th is spent free from insurance related events however if one arises please call us at 410.651.1111 and leave us a detailed message. Also be sure to call your claim in directly to the claims reporting number located on your policy or your insurance card. For a list of most carriers claims lines you can find them by clicking here. You are also able to make payments over the phone or online with most companies by simply calling your company's customer service line or visiting their website as well. 

Happy 4th!
Your friends at Gary K. Marshall Insurance Agency

Our offices will be closed on Monday the 29th in observance of Memorial Day.

Our office will be closed on Monday the 29th in observance of Memorial Day.

We hope that you get to enjoy spending your long weekend with family and friends. If your plans have you traveling please drive safely.  And while we are all spending time with our loved ones let's not forget the men and women who died while serving our country the real reason for Memorial day. For a great refresher on the history of Memorial Day click here. 

While we hope that your long weekend is free from insurance related events however if one arises please call us at 410.651.1111 and leave us a detailed message. Please also be sure to call your claim in directly to the claims reporting number located on your policy or your insurance card. For a list of most carriers claims lines you can find them by clicking here. You are also able to make payments over the phone or online with most companies by simply calling your company's customer service line or visiting their website as well. 

Your friends at Gary K. Marshall Insurance Agency

Happy Easter

Wishing you and your family a very Happy Easter! Our offices will be closed on Friday the 14th in observance of Easter Holiday and we will reopen for normal business hours on Monday the 17th. While we are all spending time with our families we wanted to be sure to offer thanks to you, and let you know that we appreciate your business.

We sure hope you spend your Easter break relaxing and free from insurance related events however if one arises please call your claim in to the claims reporting number located on your policy or your insurance card. For a list of most carriers claims lines you can find them by clicking here. You are also able to make payments over the phone or online with most companies by simply calling your company's customer service line or visiting their website as well. Please also call us at 410.651.1111 and leave us a detailed message as well so we can follow up with you when our office reopens.


Thank you again and...Have a Happy Easter!
Your friends at Gary Marshall Insurance Agency.

Merry Christmas

Wishing you and yours a Merry Christmas!

Christmas is the time of year that brings together family and fun. It is a time for remembering the past and looking forward to the future. Tis the season! Wishing you a wonderful Christmas filled with memories you’ll always treasure.

Our office will be closed on Monday December the 26th. We hope that you enjoy a relaxing holiday and free from insurance related events however if one arises please call your claim in to the claims reporting number located on your policy or your insurance card. For a list of most carriers claims lines you can find them by clicking here. You are also able to make payments over the phone or online with most companies by simply calling your company's customer service line or visiting their website as well. Please also call us at 410.651.1111 and leave us a detailed message as well so we can follow up with you when our office reopens.


Merry Christmas from all of your friends at Gary Marshall Insurance Agency!

 

Happy Thanksgiving!

We want to wish you and your family a Happy Thanksgiving! Our offices will be closed on Thursday the 24th and Friday the 25th to celebrate the Thanksgiving Holiday. We will reopen for normal business hours on Monday the 28th. While we are all spending time with our families this Thanksgiving we want to be sure to offer thanks to you, and let you know that we appreciate your business.

We sure hope you spend your Thanksgiving relaxing and free from insurance related events however if one arises please call your claim in to the claims reporting number located on your policy or your insurance card. For a list of most carriers claims lines you can find them by clicking here. You are also able to make payments over the phone or online with most companies by simply calling your company's customer service line or visiting their website as well. Please also call us at 410.651.1111 and leave us a detailed message as well so we can follow up with you when our office reopens.


Thank you again and...Have a wonderful Thanksgiving!
Your friends at Gary Marshall Insurance Agency.

Independent Insurance Agency - WHY?

So you have been with the same insurance company for years and years. Your rate continues to increase and you never get any form of communication from your current company other than the bill. Sounds familiar? This is one of the first things we hear when people call our office for a quote. More surprising however is so many times they call their existing company and don't even hear back from them. Our agency is much different. Making a call or a quick visit to our website to request a quote can change this for you as well. Our customers can rest assured that we continuously monitor their policies. If your renewal increases most of the time we have already reviewed your account to see if there are additional discounts that can be put on your policy before you have even gotten your renewal notice. Our staff will review your policy for new discounts and offer savings and when necessary we will remarket your policy with multiple carriers within our agency. That's a big difference from agencies that have an exclusive appointment with a company or dealing directly with a company that has to place your business with the only company they have. Our agency has some of the best carriers in the business and we would love to review your policy for you. Even if you are already with one of the many companies that we use but currently with another agency try putting our staff to work for you. It's what we do! If you are already insured with us first Thank you...we appreciate your business and we strive for no less than 5 Star customer service. If there is anything we can do you know we are just a phone call away. 

Take a look below let us see if we can cut your premium in half!