The Oxford Dictionary defines the word insurance as, “A thing providing protection against a possible eventuality.” and Merriam – Webster defines insurance as, “A means of guaranteeing protection or safety.”. Insurance is our business so we have always defined it by the protection it provides our clients as well as ourselves but not everyone sees insurance the same way. Today’s blog post is about increasing awareness of what insurance does for you. We’ll do our best not to speak in the same tired cliches our industry is known for and offer you a fresh perspective on what many think of as a boring industry.
When we asked our staff what aspects of insurance they most wished our clients were aware of they told us this:
Dave Jr, owner of Hudson Valley Agents, would like our clients to be aware of the fact that insurance “Is highly regulated by the state of NY, that is why it is less expensive in many other states”. That explains the enormous difference in the cost of auto insurance from state to state. For questions on this topic, please send an email to email@example.com
Kathy would like her commercial clients to know that properly cancelling your policy, rather than allowing it to lapse due to non-payment, will make it easier for you to re-insure with that company again and it can save you money in the long run. For questions about insurance for your business, please email Kathy at firstname.lastname@example.org
Ashley handles our personal lines. She would like her personal auto insurance clients to know that rental car coverage does not mean that you can rent a car while you are on vacation and your insurance will pay for it. Rental car coverage means that your insurance company will pay for a rental car if your own car has been damaged in an accident. For questions about personal home or auto insurance, please contact Ashley at email@example.com
Philip wishes more business owners were aware of the differences between personal auto insurance, commercial auto insurance, and Hired/Non-owned coverage. If you or your employees routinely travel to deliver goods or services there are policies that protect them and your business should there be an auto accident while en route to a delivery. Ensuring that you have the proper coverage will save you a headache later on and the coverage is affordable too. For further information on this, please contact Philip at firstname.lastname@example.org.
Insurance impacts our lives in so many ways, it is important to understand what your policies cover and what they do not. We are always happy to share our knowledge, so if you have questions about your insurance, please do not hesitate to contact us, we are always happy to be of service!
#insurelocal #HudsonValleyAgents #NationalInsuranceAwarenessDay
When you’re getting your RV ready for summertime fun, don’t overlook your insurance! RV insurance is the key to keeping your summer vacation stress-free so ensuring that you have the proper coverage is really important.
Here are some things you might not know about insuring your RV:
- A Class A RV will cost more to insure than a Class B
- Coverage can include towing and roadside coverage
- Coverage can include campsite and vacation coverage
- A poor driving record could have a negative impact on your rates
For further information about RV insurance, auto insurance, or any other type of insurance just give us a call 845-778-2141 & ask for Ashley. (she’s our resident camping expert and she knows the best spots!)
Happy Summer Hudson Valley
#RVinsurance #summertimefun #insurelocal #HudsonValley
Ashley Berry is amazing. Ashley handles personal lines in our Walden office, and if you have ever called us for a homeowners or auto quote she’s the lady you spoke to. She has a talent for taking insurance-speak and making it understandable to the average mortal, so when you she explains your insurance coverage to you, you actually understand it!
Ashley is pretty crafty, check out the fairy gardens she created for our office!
She occasionally sells her fairy gardens so stop by and see her latest creations!
This isn’t Ashley’s first time being featured in our blog, so we had to switch up her bio questions-
What is your favorite song? – Build Me Up Buttercup
What is your favorite movie – Legand with Tom Cruise
How long have you been in the insurance biz? 3 1/2 years
If someone made a movie about your life who would play you? Lisa Kudrow
What is your favorite place to visit in the Hudson Valley? New Paltz
We are lucky to have Ashley on our team, her can-do attitude and her gorgeous fairy gardens brighten our office every day. She can build a garden and she can insure it! #HudsonValleyAgents #insurelocal #fairygardens
There are only 4 more days left in 2016, and for that we are thankful! 2016 has been the year from hell for most of America and we find ourselves looking towards 2017 with hope and a little bit of nervous laughter. 2017 will be welcomed in with hearts filled with the hope that this will be the year we actually keep our New Year’s resolutions.
Making resolutions for the new year is something we have all done and 2017 will be no exception. An impromptu poll of Hudson Valley residents (we asked our friends and family members) shows that these are the 5 most popular Hudson Valley New Year’s resolutions:
1- Lose 10 pounds
2- Save money
3- Live your best life
4- Shop locally more often
5- Become more organized
Hudson Valley Agents can help you keep 3 out of 5 of these resolutions!
- Saving money on your insurance is easy, call, click, or stop by for a free quote on all of your insurance needs. We work with many insurance companies that offer competitive rates and many of them are located on the east coast.
- We love to shop local and we really love to insure local! We work with several Hudson Valley-based insurance companies as well as companies based in New York state. We also offer affordable insurance coverage for small businesses throughout the state. You can always #insurelocal with us!
- Organizing your insurance policies is easy with our free app for iPhone and Android users! Finding your policies, making claims, making payments, even finding your car in a crowded parking lot just became a whole lot easier.
#HudsonValleyAgents #NewYearsresolutions #insurelocal
You do not have to go online to insure your car, boat, or motorcycle with one of the big insurance companies like Liberty Mutual or Progressive Insurance! I mean you can, but why? Hudson Valley Agents can do everything an online insurance company can do, and then some.
Let’s talk about the differences between getting your car insurance directly from the company versus purchasing car insurance through Hudson Valley Agents:
DIRECTLY FROM THE COMPANY
- You can shop for car insurance from your couch
- Quick and convenient
- Online bill pay
- Helpful free app
- No assistance comparing previous coverage to current coverage
- No way to know if another company would be cheaper
- Does not come with an “insurance speak” translator
- No way to know if you are under insured or over insured
- Good customer service
HUDSON VALLEY AGENTS
- You still do not have to leave your couch
- Also quick and convenient
- Same access to online bill pay
- We have a free app too, bill pay, claims, find your car, and more
- We put our decades of insurance knowledge to work helping you choose the best coverage for your insurance needs
- We work with 20 different insurance companies, some of which are located right here in the Hudson Valley, and we do the rate shopping for you. By the way, we also write insurance through those same big online companies like Progressive Insurance and Liberty Mutual.
- We eat, sleep, and dream in insurance speak, and we know how to translate it too
- Finding you the right coverage is what we do best
- We offer an excellent customer experience
- We can accept payments at either of our two locations (Walden or Middletown) Monday through Friday, 9 am to 5 pm, and we usually have candy at our desks (just saying…)
Progressive Insurance and Hudson Valley Agents are working together to bring the best auto insurance to everyone in the Hudson Valley! Find out what makes us different, call, click or stop in today.
Allow us to introduce you to HVA’s phone app! Now Android and iPhone users can start a claim, make a payment, get a free quote, find their parked car, and more just by downloading our free app. The Hudson Valley’s number one independent insurance agency just made insurance a whole lot smarter and easier.
Find out why we are the Hudson Valley’s #1 independent insurance agency, get your free insurance quote today! #hudsonvalleyagents #insurelocal
Hudson Valley Agents has adopted the #insurelocal hashtag for a very good reason, we have 5, yes 5, New York state-based insurance companies that we work with and that is a pretty big deal.
When you insure with a regionally based insurance company your rates are regionally based. For example, if your homeowners insurance is with Allstate or State Farm then you might have noticed an increase in your premiums after the California wild fires destroyed so many homes. This happens when your insurance company covers everything everywhere. A locally based insurance company’s rates reflect the risks and losses of their region and not the rest of the country.
If you would like to #insurelocal then give us a call, we work with these local companies –
- Eastern Insurance, Greenville NY, Orange county
- Preferred Mutual, New Berlin NY, Chenango county
- Utica First, Utica NY, Oneida county
- Claverack Cooperative Insurance, Claverack NY, Columbia county
- Mid-Hudson Cooperative Insurance, Montgomery NY, Orange county
Keep your money where you live, shop locally, eat locally, play locally, and insure locally with Hudson Valley Agents!
When you hear the word “captive” what is the first thought that comes into your head? Is it of a prisoner stuck behind bars with no freedom and no choices? That is the image that most people come up with, and why wouldn’t they? Merriam-Webster defines the word captive as – “taken and held as or as if a prisoner of war” or “kept within bounds or confined”. Neither definition has a positive ring to it. So why would anyone consider purchasing insurance through a captive agent?
A captive insurance agent is an insurance agent that can only offer you insurance the insurance options that their company offers. State Farm agents can only offer you the choices that State Farm has to offer and an Allstate agent’s rates are only as low as Allstate allows, their agents cannot look outside of their insurance company to find you insurance coverage that might better fit your needs. When you are talking about insurance the word captive means – NO CHOICE. We live in a world full of choices, why would we choose an insurance agent that has no choices at all?
Hudson Valley Agents is an independent insurance agency. We work with many different insurance companies (many of which are New York State based) and because we are independent we can find you an insurance policy that fits both your needs and your budget. We offer insurance choices that benefit our clients and all of the insurance companies we work with have an A- rating or better on AM Best.
We live in a world of choices and if your one size fits most insurance company doesn’t offer you something different from the rest then make the smart choice and go with a local independent insurance agency like Hudson Valley Agents. Don’t be held captive call HVA today!
You won’t find the insurance companies we work with blasting their jingles from your radio, they don’t have cavemen or lizards for mascots, and you won’t find any spots stadiums bearing their names and believe it or not this is a really good thing. There is a reason for this – when the product that you offer has real value to the people who purchase it word of mouth can be the best advertising!
Whenever I work out of our Walden office I often hear our clients talking to Kathy and Ashley, they say things like – “I’ve never heard of Maphre before you quoted me my car insurance, but I’m really happy I went with them.” or “I didn’t know that Preferred Mutual is a New York State insurance company, talk about keeping it local!” When you call Hudson Valley Agents for an insurance quote you might not always recognize the names of the insurance companies we work with and that is why I wanted to introduce you to a few of them today.
Preferred Mutual – This Chenango county based company was founded in 1896 and they only work with independent agents. The Professional Insurance Agents (aka PIA) ranks them as the 4th top performer in New York state.
Maphre– This company began in 1972 in Webster, Massachusetts and went by the name The Commerce Group. Today they are known as Maphre and they have branched out to 19 US states.
Mercury Insurance – Mercury Insurance is a California based company and it has been in business for over 50 years.
Before HVA decides to work with an insurance company our VP, Dave Jr, looks them over from stem to stern. They have to offer his clients great insurance at reasonable prices and they must address insurance claims quickly and fairly. If an insurance company cannot give our clients the best insurance value for their hard earned money then we will not work with them.
Take a moment to get to know HVA and the insurance companies we work with and then give us a call at 778-2141. You and your bank account will be very happy you did. Low cost NY insurance that still comes with a live agent!
I spoke to a woman today who told me that she is paying way too much for insurance but she will not change companies because she’s uncomfortable trusting any insurance agent to not be “a sleaze ball”, and that my friend’s is an exact quote. I told her about Hudson Valley Agents, I even went so far as to say, “Hudson Valley Agents is the Hudson Valley’s best family owned independent insurance agency!”, talk about shameless promotion! I think insurance agents have an undeserved bad reputation so today’s blog should help clean that up.
Independent insurance agents are some of the hardest working people in the insurance business and perhaps it is time we acknowledged this fact. Before one can actually call themselves an insurance agent they have to learn the business, they have to study and pass a state licensing test and have hours of continuing education to keep that license. They need to be versed in many different types of insurance and have a well honed business sense. They must calmly and compassionately help clients who have just suffered a tragedy (house fire, car accident, death of a loved one). They are part financial planner, part counselor, part insurance law expert, and part business person all rolled up in one.
When you look for a new independent insurance agent there are things you need to keep in mind –
1- It isn’t all about money. A good insurance agent will find you the best coverage available even if it is with a company that pays the agent a low commission. The client must come first.
2- They have to give above average customer service. Normally people only speak to their insurance agent when they first purchase their policy, when they need to add or subtract something from their policy, or when they need to make a claim. They have only two or three interactions in which to make a positive impression. When a client needs to make a claim or change their coverage they expect to be taken care of promptly and professionally so good customer service is the key to repeat business.
3- You need to be pretty darn smart to be an insurance agent. Life insurance, business insurance, auto insurance, homeowners insurance, boat insurance, classic car insurance, vacation insurance, wedding insurance, and many, many other types of insurance policies are sold by the same agency and your agent should be able to answer any question you have about any aspect of your policy.
4- Independent insurance agencies are usually a family affair. Our agency is a father and son agency and together they have several decades of insurance knowledge. When something is part of your family you work harder for it. Your business reputation and your family reputation go hand in hand.
Remember the lady I spoke of in the beginning of the blog? She just called me and asked for Hudson Valley Agent’s phone number (845-778-2141). She told me that if anyone could speak so highly of her insurance agent then they must be worth looking into! When you find a great insurance agent it’s kind of hard to keep quiet about it so if you love your insurance agent tell a friend or two and share the love. Hudson Valley Agents is the Hudson Valley’s best family owned independent insurance agency. Let them show you that the best insurance in the Hudson Valley can be found at Hudson Valley Agents.