Wylie Insurance

El Nino is a big topic of discussion. After the devastating fires experts expect floods and mudflows when the winter rains arrive. The National Flood Insurance Program covers flood and mudflow as defined in the policy: "A river of liquid and flowing mud on the surfaces of normally dry land areas, as when earth is carried by a current of water. Other earth movements, such as landslide, slope failure, or a saturated soil mass moving by liquidity down a slope, are not mudflows...." NFIP limits are $250,000 building $100,000 contents. We can offer higher limits. For more information, please call: 209-526-4402

9 habits that make you look older than you are Correct these missteps The rate at which you age, or at least at which you appear to age, is heavily dependent on your lifestyle and how you take care of your body day to day. Small tweaks to your everyday routine can have big rewards, like taking years off of your face and adding years to your life. Don’t expect the fountain of youth, but correct these missteps and you’ll be looking like a fresher, younger version of yourself in...Continue reading

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THESE 5 QUESTIONS MAY PREDICT HOW RICH YOU'LL BE Will you be rich, or will you struggle financially? How you answer five simple questions today may reveal the answer. According to research released this month by the Federal Reserve Bank of St. Louis, five simple questions may predict personal financial health and wealth surprisingly well. Researchers William Emmons and Bryan Noeth, looking at data from 1992 - 2013 found that there was a strong correlation between how 38,38...Continue reading

No Insurance for Him! Check out this incredible video: https://www.youtube.com/watch?v=xQ_IQS3VKjA

Car Repairs and How They Affect Auto Insurance Rates Much of the cost of automobile insurance is linked to the costs of car repairs. If you have had occasion to get an estimate or a repair done on the body of your car especially, then you know that even a very simple body repair is extremely expensive. A simple, 3-inch scratch on the door of a car can cost more than $300 to repair, while additional accidents cost even more. These rising auto repair costs must be absorbed into the premiums, so this also causes a rise in rates.

Legal Expenses and Auto Insurance Rates Often those involved in a car accident sue the person who was at fault and sue the insurance company to get further benefits. Insurance companies tend to pay as little as possible, and will sometimes deny claims that seem obviously payable. It is in these cases that attorney's fees begin to rise. This means the cost of doing business rises, and the cost to the insured rises in turn. The cost of insurance goes up, even if you are a great driver and never have an accident. While it doesn't seem fair, it is the way insurance companies keep prices average for everyone.

Why Do Auto Insurance Rates Rise as a Car Gets Older? Generally, auto insurance rates are actually cheaper for older vehicles. Newer cars typically cost more to repair and replace then an older one. This is especially true if your new vehicle is financed, as you will be required to carry a certain level of collision coverage. Older vehicles without financing can be insured with only liability insurance, which is far cheaper. Though it offers less coverage to you and your vehi...cle. Does My Car Insurance Rate Go Down if I'm Married? For the most part, automotive insurance companies across the country do not lower the rates of their policy holders even if they have car insurance while married during the term of the current policy. You will need to wait until the current policy runs out and you sign a new one. Most auto insurance companies will lower rates when their drivers hit the age of 24, 25, or 26. Some will lower the rates when the driver has accumulated a certain amount of driving years. Other companies will lower the rates based on their young driver's academic records, such as their grades.

Happy Holidays to you all from your friends at Wylie Insurance

Happy Holidays from to all of you, from your friends at Wylie Insurance

Steps to Take After a Car Accident People often say that driving or riding in a car is the most dangerous part of their day. Statistically speaking, many of these people may be right. According to the National Highway Traffic Safety Administration (NHTSA), there were approximately 5.6 million police-reported motor vehicle crashes, 2.1 million injuries and 22,912 fatalities in 2012. Despite these sobering statistics, drivers can take steps after an accident to minimize the dam...Continue reading

Hi Everyone: These are the banners that our new Graphic Artist Rachel Duncan recently completed for the Wylie Insurance Halloween Project. We will be interchanging the banners on a regular bases with new themes. Please pass by our Tully Rd. and Briggsmore Ave. location to check them out.

Hello Everyone: Do you fly much? If so, you are probably well aware of all the small additional fees the airlines have started adding to their basic fare to actually make them more competitive to the greatest number of potential flyers possible. If you were to take that idea to the extreme, you would come up with a comedy routine just like this.... ************************************************************** You could have your home destroyed by the largest cause of natural loss in this country and have no way to rebuild it. Many people do not have any coverage for their home for damaged caused by rising water, also called "flooding." This coverage is specifically excluded from every home insurance Policy, and the only way you can get it is through the National Flood Insurance Program sponsored by the federal government. Did you know: Flood insurance maps are grossly out of date. You can live within feet of a flood plain and be told that your home is in a "low" or "moderate" risk area. And 20% to 25% of all flood claims are made by people living in "low" to "moderate" risk areas. Most agents never even bring this coverage up because they either don't know how to write it or don't want to be bothered with it. Is your home at risk? Why not give us a call to see where you stand? What would you do if your home was destroyed and you had no way to repair it? We work closely with the federal government to protect our clients in this very important way. Just give us a call at the number shown below. ************************************************************** This video is really very funny. My apologies to any airline employees. You have to admit, even though we never really expect the airlines to do this, it does make a pretty good comedy routine. To watch the video, click the link below. http://agencypages.net/171AirlineHumor If the link doesn't work just cut and paste it to your browser. I hope you know we appreciate you too much to ever take you for granted. As a matter of fact, we appreciate you so much, we can think of nothing better than having our practice filled with clients just like you. And since people typically refer others that are similar to them, that is why we are always encouraging you to send your friends and family our way...so we can help them too. We appreciate you. Take care Alisa Wylie Wylie Insurance 1729 Tully Rd., Suite #6 Modesto, CA 95350 (209) 526-4402 http://www.WylieInsurance.net