Limited Time Referral Incentive Program

How would you like to get paid for referring your friends and family to a Great Insurance agent that represents a great Insurance Company? For a limited time you can earn 20.00 for every policy ( No Limit!)  that you refer to me that results in a sold policy, that’s it! You refer them and I will take care of the rest. Sounds simple rite? Well it is! Follow the Instructions below and you will be on your way!

 

Here’s how to get started:

 

‎1) Register at http://refer.go.aaa.com/seastman before August 31, then refer your friends by entering their email address.

2) Follow the simple instructions on how to share your AAA experience with your friends and how you can earn $20 each time one of them buys a AAA auto or home insurance policy

3) When your friend or family member switches to AAA, we’ll automatically email you your $20 gift reward which you can redeem at: Amazon, Target.com, Walmart.com, Fandango, Itunes or you can make a donation to the American Red Cross, Susan G. Komen for the cure

Collector Car Insurance – Make sure your ride is properly covered

If you own a “classic” car, which could be considered anything over about 25 years old, you could save money on your car insurance by buying specialized classic car insurance.

There are two ways to find insurance for your older vehicles. The first is to check with your current insurance company to see if they have a rating classification for classic or antique autos. This rate will be significantly less than a pleasure use rate, but it may also come with some mileage or usage limitations.

The other way to insure your classic car is to use an insurance company that specializes in insuring restored vehicles. Their policies have unique coverages that may not be available with an ordinary car insurance policy. Here’s a breakdown of some of the categories of classic vehicles you might want special coverage for:

• Antique & Classic Cars – Consist of stock vehicles built from the turn of the century through approximately 1969. Examples include a 1957 Ford Thunderbird, 1901 Oldsmobile and a 1930 Model A.
• Exotic and Special Interest – These are rare or limited production vehicles such as specific models of Lamborghini, Ferrari and Dodge Vipers.
• Fire Trucks – Retired collectible vehicles such as fire trucks, semi-tractors and busses can be insured as classic vehicles.
• Lowriders – Cars modified with hydraulic or air bag suspension systems can often be insured as classic cars, but underwriting guidelines are strict.
• Military Vehicles – Vehicles such as a 1951 Willys Jeep or a 1941 QMC Amphibian can be insured as a classic vehicle.
• Modern Classics – These are vehicles of modern production that are considered collectible such as a 1976 Chevrolet Corvette, a 1978 AMC Pacer or a 1979 Trans Am T-Top.
• Motorcycles and Scooters – Motorcycles are becoming increasingly expensive and thus collectible. Examples of motorcycles insurable as collectibles are a 1948 Indian Chief and a 1952 Harley Panhead.
• Muscle Cars – Typically late 1960′s and early 1970′s U.S. models that include larger V-8 engines. Examples include a 1969 Chevrolet Camaro, 1970 Dodge Charger and a 1970 Plymouth Barracuda.
• High Quality Replicas – The are home-built or professionally constructed replicas of older vehicles.
• Street Rods – Street rods include vehicles that have been extensively customized for performance. Examples include a 1932 Ford Highboy or a chopped 1951 Mercury Coupe with custom paint.
• Tractors – Collecting antique tractors is an enthusiastic hobby and they can be insured as classic vehicles.
• Trucks or Pick-ups – Older models of trucks can be insured as a classic vehicle just as a car can be. Examples include a 1922 Model T Truck, a 1951 Chevy Pickup or even a 1975 Ford Pickup.
• Vehicles Under Active Restoration – Even if you haven’t gotten the primer and paint complete, you can insure your classic while being restored.

Advantages of Classic Car Insurance

The typical classic car insurance policy offers better coverage at a reduced premium than a typical auto insurance policy. This is due to the fact that most classics are not driven as much or under the same circumstances as your regular vehicles. The policies may allow only a certain number of annual miles driven, but the return is a greatly reduced premium for insuring your classic car.

Typical benefits of the classic car insurance policy include:

• Lower premiums
• Agreed value coverage – this means your car is insured for a specific value that you will be paid in the event of a total loss
• No deductible – many classic car policies do not have a deductible, so you will not have to pay anything out-of-pocket in the case of a claim

I’m NOT your average Insurance Guy!

I DON’T:

Give “price quotes”

I DO:

Advise, Recommend, Explain, Review, and Propose Insurance coverage’s

I DON’T:

Have room in my book of Business for those shopping for price.

I DO:

Work with clients that are looking for a long-term Insurance agent that will play an active role in regards to their coverage’s, life changes and making sure that their policy is always current and up to date with the market.

I DON’T:

Care what you’ve heard from your brother-in-law’s uncle’s nephew about “The Way Insurance Works”

I DO:

Want to address all your concerns, especially the difficult concerns, upfront and early so there are no surprises at the end

I DON’T:

Cut corners, massage facts, or tell you what you WANT to hear over NEED to hear.

I DO:

Take my profession VERY serious, as I do not want to get a phone call from a client after the fact and have to answer for why they were not informed of all their options.

I DON’T:

Want you to ever feel like you are alone when it comes to insurance

I DO:

Want to build a relationship of trust and a commitment to communication when it comes to servicing your Insurance needs

I DON’T:

Want you to ever have to suffer poor service, fear of inadequate coverage, or unanswered questions

I DO:

Have a passion for helping families assure that their financial future will NOT be in jeopardy in the unfortunate event of an accident, and pride myself on providing service that is second to NONE!

I DO:

Think you should Contact Me today to begin our relationship and discuss your Insurance needs

I DO:

Think you should connect with me on Facebook to further our relationship

I DO:

Hope that you will expect more from your Insurance Professional than price quotes and certificates of insurance and demand a professional relationship and advice.

Things to keep in mind when shopping for Auto Insurance.

 

• Inquire about discounts (such as multi-car, airbags, anti-theft device, etc.) and/or surcharges the company applies.  All companies will not offer the same type of plans, nor have the same underwriting rules (eligibility/acceptability guidelines). Therefore, it is critical to ask for this information.
• Make sure you know the length of the policy term. This can be one month, six months (semi-annual) or one year (annual), depending on the insurance company.
• Many companies have their own payment (installment) plans which allow you to pay the premium over a period of time for a service fee. If you decide to buy a policy on an installment plan, find out the applicable finance or service charges. If you use a premium finance company to pay for your insurance, the monthly payments may be easier, but the total of payments will be larger. Moreover, if the policy is cancelled, the insurance company must remit all return premiums to the finance company, who will apply them to your account.
• Check to see if you are responsible for paying any up front fees.  Sometimes insurance companies charge policy issuance fees.   Once the policy is issued, this fee is generally fully earned.  If the policy is canceled later, the fee will not be returned.
• Ask about higher deductibles. By requesting higher deductibles on comprehensive and collision coverage, you can lower your costs.   However, remember that the deductible you choose is what you are responsible for paying up front in the event you file a claim against your automobile insurance policy.
• Should you drop comprehensive and/or collision coverage on an older car? It may not be cost-effective to have comprehensive or collision coverage on cars worth less than $1,000 because any claim you make would not substantially exceed the annual premium cost and deductible amounts.
• A broker’s fee must be agreed upon in advance.  If you choose a broker to place your coverage, ask about the broker’s fees.  These fees should be disclosed and agreed upon before finalizing the insurance transaction.  Remember, broker’s fees are in writing, not filed with the state, and are fully negotiable.  If the policy is canceled for any reason, the broker’s fee is generally not refunded.
• Review the territorial provisions of your policy with respect to driving in Canada and Mexico. Generally, Mexico does not recognize liability insurance issued in California.  If you are involved in an accident in Mexico, you are subject to Mexican legal requirements.  Therefore, it is strongly recommended that Mexican insurance be purchased prior to entering that country. Some California issued policies do extend limited physical damage (comprehensive and collision) coverage on vehicles for a limited distance while operating in Mexico.
• Most automobile insurance policies provide coverage for other licensed drivers to drive your vehicle on an occasional basis.  As coverage can extend differently to you as compared with an occasional driver, it is critical to read and understand your policy terms and provisions before allowing others to drive your vehicle. Check with your agent/broker or company for the details. It is a common practice for insurance companies to exclude a driver from your policy for a variety of legitimate reasons under the law.  Such driver exclusions must be stated in the policy or by endorsement.  Your coverage is not valid while a specifically excluded driver is allowed to drive your vehicle.  Be aware of all policy driver restrictions.
• If you anticipate acquiring a new, replacement, or additional vehicle, contact your agent/broker or company prior to taking possession.   It is necessary to determine what coverage will be extended and what coverage will have to be added to your existing policy.  If the new vehicle is financed, also check with the lender for their insurance requirements.
• When renting a vehicle, the automobile rental companies hold the renter responsible under the rental agreement for damage to their vehicle. They normally offer a Damage Waiver at an additional cost.  This is not insurance, but a contractual agreement between the renter and rental company.   Therefore, if a waiver is not purchased, review your own automobile policy to determine if any extension of coverage applies.  Also, determine how the liability coverage afforded by your policy applies in the event you are at fault in an accident with the rented vehicle.
• Personal effects and equipment such as cellular telephones, compact discs, tape players, and recorders that are not permanently installed in the vehicle by the manufacturer generally are not covered, unless specifically declared and added to the policy.