DRIVING TO MEXICO AND YOUR GLENDALE, AZ AUTO INSURANCE

DRIVING TO MEXICO AND YOUR GLENDALE, AZ AUTO INSURANCE

 

South of the Border

Down Mexico Way….

What a wonderful old song!  And, popular in virtually every genre of music, as it has been recorded by everyone from Gene Autry to the Doobie Brothers; from Patsy Cline to Perry Como!  If you, like the characters in the song, are hoping to make a trip to Mexico, it would, undoubtedly, behoove you to make yourself familiar with DRIVING TO MEXICO AND YOUR GLENDALE, AZ AUTO INSURANCE.

“What you need to remember,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding Insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, shared with a grin in his voice, “is that going to Mexico in 1939, when the song was written, is a whole lot different than going in 2016!!!  In fact,” he added, “there are a number of things in particular you should be aware of if you are planning on driving to Mexico in the next little bit.”

Bivona is absolutely right. These “things” include, but are not limited to:

  • Get Insurance before you goMexican Auto Insurance.
  • Have Proper Documentation – Everyone in the car needs a Passport; Drivers need current Driver’s License and should have a valid Insurance Card; Depending how far into Mexico you are travelling and/or how long you are staying, you may also need an “Entry Permit” or Forma Migratoria Multiple.
  • Watch Your Speedometer and Know the Rules – Some Mexican rules are obscure to many American, such as you can’t drive a car unless the owner is in it!
  • Take Inventory of your Souvenirs – Know what you can, and can’t, bring back. Apples and oranges, for example, are taboo!To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.(To learn more about this issue, research “Tips for Driving to Mexico”)

 

As you can see, DRIVING TO MEXICO AND YOUR GLENDALE, AZ AUTO INSURANCE certainly is not something you want to ignore if you are, in fact, preparing for a trip to Mexico! As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Auto Coverage.

RETIREMENT SECRETS AND YOUR PHOENIX, AZ INSURANCE

Darling, I am growing old

Silver threads among the gold  

            Wow, it’s been a long time since we have heard from our old friend, Eban Rexford!  When he penned, Silver Threads Among the Gold in 1873, Retirement was something reserved for a very precious few.  Today, however, the vast majority of us spend at least part of each week thinking about Retirement – – either dreading it or looking forward to it!  Regardless of which camp you find yourself in, you are going to want to know about RETIREMENT SECRETS AND YOUR PHOENIX, AZ INSURANCE.

             “Recent studies show,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding Insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, shared somewhat philosophically, “that there are a number of facts that the majority of Americans either don’t know about, or at least don’t think about, when it comes to Retirement.”

Those facts include, but are not necessarily limited to:

You will probably need Long-Term Care (and you will have to pay for it).

  • Homeownership rates are trending downward during Retirement.
  • You will still pay (some) Income Tax in Retirement.
  • Social Security Full Retirement Age will increase soon.
  • Average Retirement Savings will generate less than $500 per month.

“If,” Bivona shared reflectively, “you have a Financial Advisor and Insurance Broker that you can trust and work with, many of the above issues can be dealt with before you reach Retirement Age, helping to make your “Golden Years” actually golden!”

 

As you can see, being aware of RETIREMENT SECRETS AND YOUR PHOENIX, AZ INSURANCE certainly is not something you want to ignore if you are, in fact, preparing for Retirement!  As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Auto Coverage.

 To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

 (To learn more about this issue, research “Retirement Expectations”)

 

KNOWING THE FACTS AND YOUR GLENDALE, AZ AUTO INSURANCE

“Just the facts, ma’am.”  If you are old enough to remember Jack Webb as Sgt. Joe Friday on the old TV show DRAGNET, that statement is probably a part of your personal lexicon as it is mine.  Unfortunately, when it comes to modern-day sales people getting “just the facts” is, for the most part, something that you are not going to encounter.  That’s why KNOWING THE FACTS AND YOUR GLENDALE, AZ AUTO INSURANCE is something we all need to be concerned about.

 

“It is imperative that you have all the necessary facts when you purchase anything,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding Insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, pointed out, “and this is especially true of Insurance – including Auto Insurance.”

 

The best way to “get the facts,” of course, is to ask someone who is “in the know.”  And, when it comes to Auto Insurance, that person should be an Insurance Broker that you can trust.

 

“There are three things in particular that you should be aware of and understand when it comes to Auto Insurance,” Bivona offered, “and this is at the very least!”

 

Those three, in no particular order, are:

 

  • Are there any available Discounts? MOST drivers can, in fact, get Discounts. It is the responsibility of you, the Driver, to ask for possible Discounts.
  • Do I have enough Liability Coverage? Your broker can guide you to the right levels of coverage to protect you and your assets.

 

  • What does my Policy cover? Again, it is YOUR responsibility to ensure that you fully understand the Policy before you sign it. A good agent or broker will be happy to go over all the details until you are well-informed and comfortable before committing.

 

As you can see, being aware of KNOWING THE FACTS AND YOUR GLENDALE, AZ AUTO INSURANCE certainly is not something you want to ignore if you do, in fact, own and insure a car!  As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Auto Coverage.

 

To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

 

(To learn more about this issue, research “Things to Know about Your Auto Insurance Policy”)

LIFE INSURANCE WHEN YOU ARE OVER 50 AND YOUR PEORIA, AZ INSURANCE BROKER

One of the advantages of getting older is what is referred to as “Senior Discounts.”  We get them for meals; our beverages; sometimes even the rooms we stay in.  One place where there aren’t a lot of Senior Discounts is in the realm of Life Insurance. However, there are a plethora of reasons that you might want to purchase Life Insurance once you reach, and or surpass, the age of fifty, and if you find yourself in that situation you will really want to know about LIFE INSURANCE WHEN YOU ARE OVER 50 AND YOUR PEORIA, AZ INSURANCE BROKER.

“There are a number of things to consider when you are Fifty-Plus and are looking for Life Insurance, Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding Insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, noted, “and, depending where your needs lie, will determine which company you may want to deal with.”

These “needs” that Bivona alludes to include, but are not limited to:

  • Policies that may be either Temporary or Permanent.
  • Guaranteed Acceptance regardless of your physical condition.
  • Policies that will deal with large, complex estate-planning needs.
  • Polices that can “build-up” funds that can be loaned out or used to pay Premiums.
  • Polices that can be offered with various benefits through relationships with the Insurance Companies and AARP.
  • Some Insurance Companies deal with individuals concerned about their BMI (Body Mass Index) or Type II Diabetes.
  • There are some Insurance Companies that will issue a Policy in as little as forty-eight hours – typically with a combination of Term Life Insurance and Accidental Death Insurance.
  • Some individuals hope to use their Life Insurance Policy to seek “Tax DeferredCapital Accumulation.

“Obviously,” Bivona pointed out, “no one company offers solutions to all of the needs mentioned above. As a result,” he continued, “it would truly behoove anyone over fifty who is looking for a Life Insurance Policy to contact a professional Insurance Broker to assist with their search for the Policy that will best meet their needs.”

As you can see, being aware of LIFE INSURANCE WHEN YOU ARE OVER 50 AND YOUR PEORIA, AZ INSURANCE BROKER certainly is not something you want to ignore if you do, in fact, need a Life Insurance Policy in the latter part of your life!  As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Life Insurance needs.

 

To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

 

(To learn more about this issue, research “Life Insurance When You Are Over Fifty”)

MORTGAGE LIFE INSURANCE AND YOUR PHOENIX, AZ INDEPENDENT BROKER

Have you ever heard the adage, “Most people are only three paychecks away from living on the street?”  The sentiment here, of course, is that due to the large amount of debt many of us have and the small amount of income we command, if we lost our jobs we would lose our homes and become street people.  While it is probably a little less extreme,  there is no doubt that if the primary wage earner in a family were to pass away, the family would be faced with a tremendous financial burden.  That’s why every loving and caring spouse and parent needs to be aware of MORTGAGE LIFE INSURANCE AND YOUR PHOENIX, AZ INDEPENDENT BROKER.

“According to a 2016 Barometer Study by Life Happens,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding Insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, pointed out, “one in three households would have immediate trouble paying living expenses if the primary wage earner died.  That’s why we frequently advise clients, and prospective clients, to purchase Life Insurance as a form of Mortgage Protection.”

A major question, of course, is “How much will this protection cost?”  As with most forms of Insurance, there are several factors that will affect cost, including but not limited to:

  • Age
  • Gender
  • The Death Benefit Amount
  • Health History
  • Smoking Status

 

“We have found,” Bivona shared somewhat philosophically, “that one of the factors that tends to make people shy away from considering Life Insurance for Mortgage Protection is the fact that they may have a pre-existing health condition. Actually, however,” he went on, “this may not be as much of a barrier as one might think.”Again, Bivona is correct. Following are several tips to consider when seeking Life Insurance if you do, in fact, have a pre-existing condition:

  •  Do your research regarding your condition and typical Premium Rates.
  • Work with a trustworthy Independent Agent.
  • Be truthful and up-front about your condition.
  • Get quotes from multiple providers.
  • Take the Medical Exam if you can, as rates are typically lower when one takes the Medical Exam.

As you can see, being aware of MORTGAGE LIFE INSURANCE AND YOUR PHOENIX, AZ INDEPENDENT BROKER certainly is not something you want to ignore if you do, in fact, own a home and have a mortgage! As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Insurance Coverage.

To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

(To learn more about this issue, research “Life Insurance as Mortgage Protection”)

 

SURPRISING FACTORS THAT WILL INFLUENCE YOUR GLENDALE, AZ AUTO INSURANCE RATES

What do you think the most “secret” formula in the United States is?  One for a secret NASA space travel fuel?  One for an injection that might cure cancer?  The one for the ORIGINAL Coca-Cola?  Well, I don’t know which one you chose, but I know for a lot of people it is the one that Insurance Companies use to figure how much we will pay for our coverage.  If you are often baffled by that as well, you will, undoubtedly, be extremely interested in SURPRISING FACTORS THAT WILL INFLUENCE YOUR GLENDALE, AZ AUTO INSURANCE RATES.

             “I’ll have to admit,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, “that there are a number of factors involved, and” he paused for effect, “some of them might surprise you.”

These factors include, but are not necessarily limited to:

 

  • What you Drive – The “Safety Rating” for each Vehicle is different, thus affecting the driver’s rates.
  • Why you Drive – If you drive for business, your rates will be higher, unless you are a farmer, when they might be lower.
  • Where you Drive – Urban areas with a high density of cars are the most expensive areas for Auto Insurance.
  • Your Marital Status – It’s not surprising that if you are married, your rates will go down. However, if you get divorced, your rates will go back up. And, if you are widowed your rates will also go back up, but not as much as if you are divorced.
  • Your Level of Education will affect your rates – In a recent survey, those with a bachelor’s degree saved an average of $32 yearly more than those with just a high school diploma.
  • When it comes to your Driving Record, not all violations are created equal – For example, texting while driving may be as dangerous as Driving Under the Influence, the penalty for being caught is far less! In fact, the latter may cost you as much as 3200% more than the former!

 

As you can see, being aware of SURPRISING FACTORS THAT WILL INFLUENCE YOUR GLENDALE, AZ AUTO INSURANCE RATES certainly is not something you want to ignore if you do, in fact, own and drive a car!  As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Insurance Coverage.

 To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

 (To learn more about this issue, research “Surprising Factors that Affect Auto Insurance Rates”)

 

WORST CITIES TO LIVE IN IN AMERICA AND YOUR PEORIA, AZ HOME OWNERS POLICY PREMIUMS

Have you ever heard the expression, “The grass is always greener on the other side of the fence?”  Well, if you live in one of the “Worst Ten Cities to Live in in America Due to Cost” that phrase would actually pertain!  If you are concerned about the costs associated with you owning your home, you should find yourself most interested in WORST CITIES TO LIVE IN IN AMERICA AND YOUR PEORIA, AZ HOME OWNERS POLICY PREMIUMS.

“There are a number of factors involved here, of course,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding Insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, noted, “but Homeowners Insurance is most definitely one of them.”

Bivona is right on both points.  The list below indicates the Ten Worst Cities and what tends to make them so:

  1. New Orleans –High Home Owners Ins. Rates, Expensive Home Repairs.
  2. Miami – High Ins. Rates & High Rate of Foreclosures.
  3. Boston – High Property Taxes; High Foreclosure Rate; High Energy Costs.
  4. Chicago – High Property Taxes; High Foreclosure Rate.
  5. Houston – High Cost of Home Repairs; High Ins. Rates.
  6. Buffalo, NY – High Energy Costs; Low Home Prices Growth Rates; High-side of Ins. Rates.
  7. Los Angeles – 49 out of 50 for Home Affordability; High Property Taxes.
  8. Providence, RI – High Home Repair & Energy Costs.
  9. New York City – High Property Taxes; High Cost for Home Repairs; “Poor” Home Affordability.
  10. Hartford, CT – High Energy Costs; High Property Taxes; High Home Owners Ins. Rates; High Rate of Foreclosures.

“Fortunately,” Bivona pointed out, “none of the Valley of the Sun cities made this ‘worst’ list, but,” he added, with a knowing tone to his voice, “we all still want to save money where we can. “So,” he went on, “it’s good to know how we can save money on our Home Insurance Premiums.”

This includes, but is not limited to:

  •  Opt for Higher Deductables
  •  Bundle Insurance Policies
  •  Avoid Making Small Claims
  •  Choose Paperless Billings
  •  Pay Annually Instead of Monthly
  •  Install Central Station Alarm System
  •  Update older roofs, electrical & plumbing Systems
  •  Set up an Automatic Generator (Especially in Frigid areas where pipes can burst and do damage)
  •  Be a Loyal Customer  

As you can see, being aware of WORST CITIES TO LIVE IN IN AMERICA AND YOUR PEORIA, AZ HOME OWNERS POLICY PREMIUMS certainly is not something you want to ignore if you do, in fact, own a home! As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Insurance Coverage.

To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

 (To learn more about this issue, research “Ten Worst Cities to live in in America”)

 

 

DISASTER-PROOFING YOUR POLICY AND YOUR PHOENIX HOMEOWNERS INSURANCE

What are you an expert at?  Me, I’m an expert on writing and Country Music from 1955 – 1969. The Statler Brothers – they’re experts on Shirley Jean Burrell!  Now, one thing most of us are not experts on is our Homeowners Policy.  That’s why knowing about DISASTER PROOFING YOUR POLICY AND YOUR PHOENIX HOMEOWNERS INSURANCE is so important to all of us.

“The three areas you must be most ‘up on,’” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, confided, “includes what is covered, what is not covered, and what may be covered!”

Bivona, obviously, is absolutely correct.  Things your Policy typically cover include:

  • The Dwelling itself
  • Other Structures on the property
  • Personal Property
  • Additional Living Expenses
  • Personal Liability
  • Medical Payments to others

Items typically not covered include:

  • Routine Maintenance & Repairs
  • Damage due to animals, termites, sinkholes, sewer backups and earthquakes

 

“The ‘may cover’ list,” Bivona explained, “typically comes as the result of optional or separate coverage. One thing,” he added, “that often people forget to consider is what happens to their policy when Remodeling and/or Renovations take place.”

In regard to this, there are several things you will specifically want to consider, including but not limited to:

  • Notify your Agent about your remodeling plans
  • Increase the amount of your coverage
  • Make sure your contractor is properly insured (Don’t forget the sub-contractors!)
  • If friends and/or family are helping, making sure you have adequate coverage in case any of them are injured.

As you can see, being aware of DISASTER-PROOFING YOUR POLICY AND YOUR PHOENIX HOMEOWNERS INSURANCE certainly is not something you want to ignore if you do, in fact, own a home!  As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Insurance Coverage.

 To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

 (To learn more about this issue, research “Ensuring Proper Home Owner Coverage”)

 

 

SAVING MONEY AND YOUR GLENDALE, AZ AUTO INSURANCE

We all want to save money – it seems to be wired into us.  Whether we have a little money or a lot of money, or no money at all, we all have a little bit of Penny-pincher in us.  And, not surprisingly, the one place we seem to be the most frugal is when it comes to Insurance – especially Auto Insurance.  As a result, virtually everyone should be interested when it comes to SAVING MONEY AND YOUR GLENDALE, ARIZONA, AUTO INSURANCE.

“Sacrificing proper coverage is not a viable option,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, shared solemnly. “However,” he continued with a little more lilt in his voice, “there are things that will help you save money on your Auto Insurance.”

These things include, but are not limited to:

  • Shopping around for Auto Insurance – this can best be accomplished by utilizing an Independent Insurance Broker as opposed to a Captive Insurance Agent. Captive agents can quote/sell for only 1 company, whereas Independent Agents can quote/sell for several different companies and shop for the best price and coverage
  • Increase Deductibles
  • Getting a Multi-Policy discount
  • Maintain a good Driving Record

“Modern technology can also be an ally when it comes to saving you money,” Bivona added, wisdom dripping from his words.

That technology includes, but is not limited to:

  • Rear “Cross Traffic” Alerts
  • Passive Restraint Systems
  • Blind Spot Detection & Lane-Departure Warning Systems

“One of the greater financial challenges when it comes to Auto Insurance,” Bivona shared with a wise and knowing tone, “is when you have a young driver who needs coverage.  Understanding the view Insurance Companies take on this situation may make this proposition less daunting than one might think.”

For example, an Insurer will consider such issues as the driver’s age, gender, vehicle to be driven and their driving experience.  In the young person’s favor is the fact that discounts are based on such issues as good grades; taking and passing Driver’s Education Class and Defensive Driving Courses; and doing their homework by shopping around for the best rates possible.

As you can see, being aware of SAVING MONEY AND YOUR GLENDALE, ARIZONA, AUTO INSURANCE certainly is not something you want to ignore if you do, in fact, want to save money safely while purchasing Auto Insurance!  As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Insurance Coverage.

 

To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

(To learn more about this issue, research “Discounts and Auto Insurance”)

 

DRONES AND YOUR PEORIA, ARIZONA BUSINESS INSURANCE

Remember when we were in school and we studied about drones?  You know, the male bees in a hive that don’t have to do anything except eat and mate with the queen bee?  To do their mating they would fly 200 or 300 feet in the air to meet up with their queen and do their best to help perpetuate the species!  Today, however, the drones that you see at 300 feet may have nothing to do with pro-creation or honey.  Rather, they may be keeping track of your every movement.  And, if you and your company happen to be one of those that are utilizing drones, you definitely need to make sure that you are aware of DRONES AND YOUR PEORIA, ARIZONA BUSINESS INSURANCE.

“The FAA is constantly making changes in the rules that control the use of Commercial Drones, as are cities and states,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, shared.

Bivona is absolutely right. According to Thomas Gemmell, former U.S. Air Force fighter pilot and co-leader of the drone team for Husch Blackwell, a law firm in Chicago, there are several specific rules for unmanned aircraft weighing less than fifty-five pounds and flying no more than 400 feet above the ground that include, but are not necessarily limited to:

  • Drones must stay within visual line of the pilot
  • Remote pilots are required to have a Remote Pilot Airman Certificate

“Gemmell went on to share,” Bivona noted, “that as a commercial drone operator, or even just a hobbyist, he would make sure that he had Insurance.”

Items that a Drone Policy should cover include, but are not limited to:

  • Injuries
  • Personal Property Damage
  • Damage to the Drone itself

As you can see, being aware of DRONES AND YOUR PEORIA, ARIZONA BUSINESS INSURANCE certainly is not something you want to ignore if you do, in fact, own a Drone or intend to purchase and use one in the near future!  As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Business Coverage.

To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

(To learn more about this issue, research “Drones and Insurance”)