Page 14 - Tennessee 811 Magazine 2018 Issue 3

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Insurance Prlces - Hlgher or Lower
I
Ev Wglvlla Reames
The Pulley Center In:
/arxsml Ms
esldc~ calllng your agent now ALL the hullohng. In an area/ town. lt A) Red Mu~tt1n};, nl‘n~‘, eonvemlale —
and then or openlng your kllll~, a tornaolo outbmzlk oc:IIr~' — and ha~ 25y/o drlver — s533,u<llt new
how mueh nme do vou spend — a companv could get wlpL‘Il out In 5 _
tlxlnklng about ln.u}anee> l mlnutc~" ' B’ F‘’“‘ ‘l‘’''‘‘ J”? Cl‘“"‘k“' ’ 5’ 3" "
drlver 7 S32$,0llU new
‘l‘°"5l“ ““ ’ l’‘" ‘“l“ “ "“"“°"‘ “"W ye~ we onee lnd 1n entire town WI ed
anol let's ~eL‘ tt you ean me yourself mo/uy 1 uuuuuu u‘ou ouo out u duff“ Which 0! the~e can do you tlxlnk wlll
some money Flnt, lut’~ ~'ee how mte~' ‘ V‘ ‘ (0,, mm m ,n,_m.a
g“ °““bl‘”l‘"" gllrftlgolgldllvlulhfilrlhgllgldl-Elekeflhdsli1E:L T d ' h l I t d l
— » - R - o ay.ye lcL‘~t1rezlmo~ nyere..
lt dnu~n't matter whether lt 15 to the uty. lt wt1~ glnormous — even .n some arena. And In ~'ome :zl.~ve~',
cornmerelnl or penonal, certain thlnga had rallroad tm:k~ end to end so the they ARE drlvurle» The computer
are rate esmlzltoh — tL\'nt1ged elrlver. producb the :ompanyn1t1nIIft1:!urL‘d "dnver" I~ the "l1et1rt"al1d"bmlrl"
(~urprl~ed7), lugh powered VL‘l’\IClL‘~, could be loaded nght onto the cars. of the vehlelu. They are t1l~o ~enou~ly
l1oIhe~'mzldeenm1‘lyotwood out Whumhuuunuuoluoumu mum uxpelwlxettlmpalr/replace /\nd,>|nee
In the eountrv wuh no fire lwdmnts the yeluele IN nearly u~'e|L‘~~' without
, e — bulldlng Wt1~ a plle ofmzltclvtleka .
nearby. Let 5 put that all—wood houae OK I u u u u k_ Tl .., K}... an m,].,,,, W1,y,1,C c(,,,,Pa,,y
nah! ->Cm~~ the «mm mm wt the ’ ""1 " ’ ‘“‘“’l’° “" m ‘“ ““ Wlll often "total" a yelnele, rather than
bulldlng \\’t1~ln mld—~tt1te l\4lI~‘Ms~lppI,
Cult of Mexlco I could have stud repmr lt.
,, ,, , No one eoulel oowlaly argue wind y.
oeeanlront but the Culfaets up may V I OR _ V to (u u ,t h V_ , h
much more than the Atlnntlc '“‘'f)‘”‘; “ uo wjuj Lo lu " u“ 5. Xe» I f U-tml>lan.v mm will
uuubouuuu H you uuu oomuoou Woo uuyu Eloy I. n od Lr vyoh ‘Nu; on couxdn rates a ttr a e alrnhortI\\’(‘),t1ey:lIe not
out uuuuu uuu ouu rum uouuuuuo H 3 aime mo a c L: n :1. haul. u guung to recouplt en n~:L.\/LxruLn~L~
you uru um ouououud to muku u uuouo a tte C(Y:ln1}u)t1ny]:l;IIrLu htveryt Idrlg. L l. \\;u:|y lt ylou 1tl1d n $1.>lt‘l,0tlUk 0;I~C
would you uououu mom M mu ouy oo .E.nag.ne w in cou V avg’ lautuette . um on n, mw on}; to ll ta e or
uuu mm moo u ouy uu ouo Muuuouu vLn ILln~umncL vyt1~ln\.o ye that zll rate lncret1~e of the orifglnal 7
or All:vuqueIqIIe7 Now tl1t1tcompanV'~ reIn~urance swell premlum to rctund attert e lo»
why? vmbablv "ND ;‘52?Z";Y',§£°;2l§t;;i”a?$§.‘22Ti331.
— bulldlngs at lngh value." You et1n’t ’ '
oh, a ~toIm hte Kzltnnzl wouldn’t get .. ,,,ea.a a there may be three ‘)o°uj§>C'f;mu°;;L:f ;§f;u“,j;<u‘g1g_:u;~u S o
probably. Right tl'\l~yct1ror none torzu years. Thl- > I ;,u 1 P ,, f h to _ H‘ i
mean~ any companv that they wntL‘ '“ ° “ “““‘“5 ‘" ‘M W‘ " “‘*‘ °'
Now how about fire. I5 zl wood hou»e/ ’ ' ' coa~'t:ll, tornado areas, mow Sr lee
the rullvurzlnce [or tretronranee l~
building more llkely to burn all the area, dII~t atorm» etc. Tho expenence
In~umnCe tor tn.-uranee compt1nle~)
way down than, ~aV, a buck or stone , ,, goea mm the procem or pavlng claims
a a can t wnte lugll value wooden a
buIldIng7 tn the country or rlglxt tn ,, anel mzlklng a rcmunable pmflt V and
7 bulldlngs. ,
town. How ahout a ~'prlnkleI system? tl1l~ Is what your ~t.1te ~In~urt1n:u
what If the huIldll7g/ house l~ old — It you think t1klout"wl1y” rt1te~' are what C()l"fln1l~‘~l0l'IL‘Yl> charged wltll
how are tlxowe eleetneal wln:~ lxoldlng they are, you begln to we how you can Cnfornng — enough premlunu to pay
up7 Are the vzlluea tn the area gum}; cut down on your premlunu cl:lIm~' anol make a mzhonable profit.
down — or up’ We.-, there are nlworl ,, ,,
Auto tmumnce mt1ke~ lt reallv clear: [I you are ln~umnce aware when Von
f'lre~, unlortnnately> ~ ~
age, age o[\'el1l(le, dL‘~Crlptlon ot purcl1a~'L‘ n home, lot or vL‘hlClL‘, you can
Then, ot eouoe, tl1eIe’~ the concept that yelnele, cost ot yehtele. so wlneh mzlke Cl1oI:L‘~‘ that an ~a\/L‘ you ~0mC 55
no ln~ur:lnce company wnnt~ to tyrlte \'el'u(lc wlll you be lnsurlng: year alter year’ 5
12. Tervlesseefill ma Issues