Insurance For Your Wedding Rings

Did you know that June is the most popular month for weddings?  

I’ve seen many of my clients planning weddings over the next few weeks.  So I thought I’d share an insurance tip this week just for engaged couples and newlyweds.

You’re spending a lot of money on your wedding and those new rings.  Make sure they’re covered!  

Jewelry is covered under your Homeowners or Renters insurance.  But the coverage amount can be limited.   If you don’t cover the individual piece of jewelry specifically, you might not have enough insurance if it were to be lost or stolen.

Here’s what I recommend.  Get an appraisal of your rings from a local jeweler. A lot of our customers like to go to Cole’s Jeweler’s in Sequim. Then bring in a copy and we’ll add the rings to your policy.  (We can also discuss deductibles or special coverage.)  Depending on the value of the ring, you might spend only a few dollars a year to know that your valuable jewelry is insured.

If you are renting or getting ready to purchase a home and don’t have a policy, now is a great time to schedule a consultation to discuss what coverage you’ll need and give you a ballpark figure for what it will cost.  Renters Insurance is very inexpensive and can give you a lot of peace of mind as you combine your two households.

But the best tip I can give?  Get a local insurance agent you can trust!  We’ll look out for you and help you get the right coverage at an affordable rate.  Call us today at 360-452-9200 or visit our Allstate Website to get a quote.

Best Of The Peninsula - Clallam County 2014

Tomorrow is the last day to vote for the Best of the Peninsula! To register and vote, please go to www.peninsuladailynews.com. 

Please consider voting for Matt Elwood - Allstate Insurance for best Insurance Company in Clallam County. We have been a finalist for seven of the last eight years.

Thank you for trusting us with your insurance needs!

Do You Need Rental Reimbursement Coverage?

I often get phone calls from clients in Port Angeles and beyond who are looking to save a few dollars on their car insurance. They look at the various coverages on their policy and want to drop anything that isn't totally necessary. And rental reimbursement coverage is one I hear about
frequently.

So, do you really need it?

Rental reimbursement will pay for a rental vehicle while your car is in the shop due to a
covered claim. If you would be in big trouble without your car for a few days, then YES you want to
keep your rental coverage. If not having your car would mean not going to work or
being unable to get the kids to school then it's pretty important.

However, if you have three cars and one is never driven, it's probably not as big of a deal.
You need to look at your own situation and weigh the cost of the coverage. For many of
my clients, rental coverage is less than a cup of coffee each month and worth a whole
lot more when they have a claim.

Look at your situation and then call us at 360-452-9200 to schedule a review of your
car insurance and let us look for personalized ways to help you control your costs without sacrificing coverage. 

Want more information? Please visit Matt Elwood - Allstate Insurance to get more information on the Allstate products and services we can offer in Port Angeles, Sequim or anywhere Washington State.

Drivewise By Allstate Insurance

Are you a safe driver? Would you like to save more money on your car insurance? Sign up for Allstate Drivewise and get 10% off your premium just for enrolling, save up to 30% at renewal and view your driving performance online.

Drivewise

How Does Drivewise Work?

1. Sign up. Get an immediate 10% off your premium just for enrolling. 2. Plug in. Allstate will send you a small device that easily plus into your car’s OBD-II port under your dashboard. 3. Drive Safely. 4. Save. Drivewise collects your car’s driving data. You can track your data and savings online.

Safety Pays

The Drivewise device collects data on four driving behaviors to determine your performance discount at renewal of up to 30%.

1. Low Mileage – Drivers who average around 35-40 miles per day or les are more likely to save. 2. Safe Speed – Performance is improved by avoiding high speeds. 3. Safe Hours – Avoid driving on weekdays between 11 p.m. to 4 a.m. and weekends 11 p.m. to 5 a.m. 4. Safe Stops – Save even more by maintaining a safe distance from the car in front of you and avoiding hard stops.

More Details

Existing customers can enroll at renewal. You have to have an active email address and be in Allstate’s AFCIC auto policy, which is our most current policy as of this writing. Not all cars are eligible. If your vehicle is a hybrid, electric, diesel, or if you use the On-Star monthly performance review, you would not be able to install this device. Your performance rating and discount, if any, will apply per vehicle, rather than by driver. Even if your driving performance doesn’t help you earn a discount, the data we collect will not increase your premium.

Want to learn more? Watch our Drivewise installation video.

If you have questions or would like to enroll, please contact us at 360-452-9200.

Want more information? Please visit Matt Elwood - Allstate Insurance to get more information on the Allstate products and services I can offer in Port Angeles, Sequim or anywhere Washington State. 

 

How to Get Insurance When Moving to Port Angeles, Washington

Matt Elwood, Agency Owner

You have finally decided to leave the rat race and move to the beautiful Olympic Peninsula. One of the many things on your to-do list may be to get new home and auto insurance, especially if you are coming from out of state. How do you go about doing that?

When changing insurance agents, there are some important things to remember. These apply if you are moving from a different state, a different insurance company, or you just want to go through a different agent in the company you are currently with. If you follow these tips, it will make the process of changing agents much easier.

First of all, contact your new agent before your current policy expires. A lapse of even one day can drastically impact your new rates and might even prevent you from being able to have a new policy. This is especially true for car insurance.

It is also helpful to have your current insurance in front of you so you know what coverages you have. It makes it easier to get an accurate quote if you know what you want.

Keep in mind that if you’re moving from one state to another, your insurance will probably be different. Even if you stay with the same company. Every state is different regarding premiums and discounts. There are also certain coverages that differ from state to state. And required state minimums also vary.

If you are relocating to the Olympic Peninsula area and need a new insurance agent, please contact Matt Elwood of Elwood Benefits at 360-452-9200.

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