How To Get Lower Auto Insurance Rates

by GDI Insurance | Auto Insurance, GDI Insurance, Insurance, Personal

Cheap Auto Insurance in California

Well this one’s going to be kind of a fun page for me. It takes me back 37 years ago. This page is on shopping for low, even cheap auto insurance rates.

I created a report for GDI Insurance Agency, Inc. to use on just a few keep points to keep in mind when shopping for cheap auto insurance rates. They can be a big deal.

I have seen people pay 4 times what they have to for the right coverage, just because they don’t know how to shop for cheap auto insurance and they rely on infomercials to make their buying decisions.

As an example, if you have a family you likely have or are about to have teenage driver, right? I am asked all the time how do I get the best auto rates for young drivers. “What do I do with my teen driver, and how do I insure them without breaking the bank or getting bad coverage?”

Here is the Insurance Insiders Answer

(Grant is an insider because Grant Davis has been selling insurance for 37 years now!)

The thing is it is very easy to get the right coverage and cheap car insurance with or without young drivers. But it’s not easy if you don’t know what to do, or you rely on infomercials that really only offer one companies quote, or the new guys that offer lots of quotes from high risk insurance companies. That’s just expensive! An example I use a lot is It is kind of like having a really good contractor. I watch him build something, its clean, straight and just wonderfully art like.

I on the other hand can’t even built a dog house that’s not tilted. So who do you want to build your room addition? Here is the difference. The contractor knows what he is doing, and he does it perfectly because he knows how to do it, and he’s been doing it for a long time.

I’ve been doing insurance for 37 years. I won’t go so far as to say I am perfect. But I do know my way around rates and policies pretty well as does my staff. We really can help.

Here is the first real key to getting cheap auto insurance rates. It really comes down to this. You have to go with an insurance broker that’s large enough to have more than one or two insurance companies to choose from. GDI Insurance Agency, Inc. gets you quotes from 46 insurance companies by putting your info into a computer in about 5 minutes or less. Here is the kicker. If you want to go with one of those companies, we just hit a few more key strokes and its done. You don’t have to call another company and start over like the “we will give you our quote and 7 other quotes” people make you do.

Call GDI Insurance Agency, 888-991-2929, let us know you want to get an auto insurance quote. Give us your information on your car and dmv info, (we will look up your record for you).

That’s all you have to do. You’re done. Just give us a few minutes to crunch the numbers and get the best rates you can imagine.

GDI Insurance Agency, Inc. will help you make sure you have good liability insurance, because if you hit somebody you want to have enough liability insurance to take care of them. If you want your car covered we will have good comprehensive, fire, theft, vandalism, good collision, in case someone runs into you or you run into them, and you will want uninsured motorists, if someone hits you without insurance we’re worth to have a little limited insurance.

Next year when it comes time to renew your insurance that all might change again, what do you do next year?

Well I’ll tell you what we do. We hit a little button, we’re so automated we tap this little button on your account screen which connects your account directly right back to the same rating system we started with. In about 30 seconds we rerate your whole account, it’s all there, and now we got the 46 quotes updated for this year for you! You could always stay with the same company, matter of fact most of the time we recommend if it’s just a little bit of a difference you just stay with the same company.

But here’s the deal, you could do what you want, because if you decide to change companies we hit another button, and you just change companies, that’s all there is to it.

On our end it’s a little bit more than that, but from your end of the deal it’s no more complicated than just saying go with the less expensive company!

How nice would it be if once a year your insurance broker, GDI called you up and said, “Hey, we just checked your rates and there is one that’s $67 or $670 a year less expensive”, you might say to us, “You know lets change companies. Or let’s stay where we are”. Either way it’s up to you. We just promise to always give you the best coverage and rates we can find!

Really, just call GDI Insurance Agency, Inc. and let us doing the shopping for you. How long would it take you just to get a list of 46 competitive companies? Let alone get quotes from them all and sort out all the coverages.

GDI Insurance Agency, Inc. will do it for you quick and painlessly.. 1-888-991-2929

Third Party Action Over Liability – Business & Home Owners Sued for Worker Injuries

by Grant Davis | Home Owners, Insurance, Personal

Are You Responsible For Business Employees At Your Home?

Many business and home owners assume that the employees of others are covered by workers compensation and that the workers compensation coverage protects them (the business/home owner) from liability should some else’s employee be injured.

This assumption is NOT correct!

Although California, like most states, has what is called an “exclusive remedy” rule which mandates that Workers’ Compensation benefits are the exclusive remedy for employees who are injured on the job, this liability protection does not automatically extend to third parties (i.e. business and home owners).

A Third Party Action Over claim occurs when an injured employee pursues damages from a third party (other than his/her employer). Examples are provided below to show how a home owner (Example 1) and a business owner (Example 2) can be impacted by a third party action over claim.

Example 1: A home owner hires an air conditioning repair person (an employee of the Air Conditioning Repair company) to fix a broken thermostat. The repair person injuries his/herself while in the home by tripping over a child’s toy. The repair person collects from his/her employer’s workers’ compensation policy and files a civil action against the home owner for the same injury.

Example 2: An employee of a plumbing company is working on a jobsite along with a number of other contractors. A framer carrying lumber drops the lumber on the plumber while he is working and injures him. The plumber can collect from workers compensation and pursue civil action against the framer for the same injury.

*In the examples above, even if the employee does not pursue action against the third party, the workers compensation carrier for the employer may elect to subrogate against the third party for their negligence.

There are ways to reduce and/or eliminate one’s exposure to Third Party Action Over liability claims. One of the most common ways of doing so is through contractual risk transfer. Contractual risk transfer is the process of transferring a risk to another party by way of contact; in this case it is transferring the risk associated with a Third Party Action Over liability claim.

For a more detailed explanation of Third Party Action Over liability or Contractual Risk Transfer, please contact GDI Insurance Agency 1-888-991-2929.

Matthew Davis MBA, AAI