Securing Life Insurance with High Cholesterol

If you have high cholesterol, it can affect your life insurance rates, but not as much as it did in the past. Several factors affect life insurance rates, and there are things you can do to help yourself to decrease your rates. One thing you can do is to work with G & G Independent Ins in the Fayetteville, AR area to help you find the right life insurance policy for your unique situation.

Why High Cholesterol is an Issue

Having high cholesterol may not seem like it should affect your life insurance, but it does because it puts you a greater risk of developing other health problems. High cholesterol has been linked to an individual developing heart disease and other cardiovascular problems. The best thing you can do to lower your cholesterol level is to follow a plan that you and your medical practitioner create, and stick to it until it decreases.

Steps to Securing Life Insurance

After following your health improvement plan, have a medical examination to show it has improved.  Request a letter from your doctor to demonstrate that you have changed your lifestyle to a healthier way of living.  This can include details about your diet, exercise regimen, weight loss, and if you’ve stopped things like drinking alcohol or smoking. A letter plus your medical records can help decrease your risk rating and lower the premiums.  There are life insurance options that do not require a medical exam, but these rates will be higher.

G & G Independent Ins

Work with an agent from G & G in the Fayetteville, AR area to help guide you to the best life insurance option.  We are experienced to help save you the hassle of finding the right insurance to protect your family.

What Cars Are Considered Exotic?

A small percentage of the drivers in Fayetteville, AR have vehicles that call for a special type of coverage. Exotic car insurance covers certain high-end foreign autos. It’s only necessary for relatively rare brands and models. If you try to obtain standard auto coverage for one of these vehicles, the insurer will probably turn down your application.

Brands

The most exotic brands are primarily European. Their cars require special insurance. Examples of these automakers include Bentley, Rolls Royce, and Lamborghini. These luxury autos and high-performance sports cars are only manufactured in small quantities. This makes it more difficult to acquire replacement parts and find mechanics with the expertise needed to fix them.

Exotic vehicle insurance often proves necessary for automobiles from several other high-end manufacturers, such as Jaguar, Maserati, Citroen, Aston Martin, Porsche and Alfa Romeo. Further examples range from Lotus to Ferrari. These exotics primarily come from Italy, but a few German, British and Japanese autos fit the same category. Some older cars from these brands may qualify for coverage under a standard or classic policies.

Model

In many cases, the need for special insurance varies by model. Some companies like Mercedes-Benz have produced particularly high-end, rare cars as well as relatively common models. If in doubt, ask an insurance agent. He or she can tell you if a specific vehicle qualifies as an exotic car. Remember to find the year, exact model name and VIN beforehand. If possible, identify the trim level as well.

When you need exotic or standard auto coverage in Fayetteville, AR, G & G Independent Ins can help. Our agency compares personalized policy offerings from an assortment of trusted insurers. This way, you can easily find the right coverage without separately calling a dozen companies. For further details or a free quote, please contact G & G Independent Ins by dialing 479-802-0086.
 

How to Keep Your AR Home Cool all Summer

With a high of 92 in July in Fayetteville, AR, the dog days of summer can take a toll on older homes in the area. If you’re still using window air conditioning units in your older home and your energy costs are through the roof, literally, you may want to think about having and energy audit and installing central air in your home.  

What is an Energy Audit?

A home energy audit will assess the amount of energy your home consumes and evaluate how you can make your home energy efficient, thus saving you money year after year. Professional energy auditors will examine your past utility bills and do a thorough examination of every room in your house, as well as your basement, attic, or crawl space.  

Benefits of Installing Central Air

The energy auditor may recommend installing central air in your home to make it more energy efficient and save you money on your cooling bill. Other benefits of installing central air in an older home include:  

  • Improved look: your home simply looks better without bulky window air conditioners.
  • Comfort:  Cool the entire home with one system instead of room by room with many systems.  
  • Quiet: Central air is much quieter than window systems.  
  • Air quality:  Using central air improves indoor air quality.  

Contact G & G Independent Ins

If you’re also looking to save money on your home owner’s insurance, contact G & G Independent Ins today. We can discuss different policies with you to meet your insurance needs. To reach us in Fayetteville, AR, call us at 479-802-0086 and a friendly member of our team will answer all of your questions.  

 

Your Exotic Vehicle Needs Special Coverage

Now that you’ve built it- or had someone else build your dream design make sure you’ve got the insurance coverage you need. When you go out on the road and show off your seriously cool vehicle, you’ll be able to have an even bigger smile when other drivers react to you. You’ll have the finest insurance you could get on your dream vehicle by consulting with our independent agents. Our insurance agents here at G & G Independent Ins have ready access to the most up-to-date insurance packages and deals that are available for you in the Fayetteville, AR area. We can help you save on the coverage you need to protect the investment you’ve made in your dreams.

Did you rebuild an Indian motorbike? Perhaps you love muscle cars from the sixties. It might be that you have a stretch limo that you rent out for a little extra income. No matter what your tastes are, it’s taken a physical, mental and financial effort to get the vehicle of your dreams up and running. Now is the time to make certain that your auto insurance policy is not just adequate, not even sufficient, but tremendous. Your serious investment in your dream requires serious protection. Here in Fayetteville, AR, we at G & G Independent Ins are not tied to any one insurance company. We can do a quick search of reliable policies that will serve you no matter what company is involved. You don’t have to look up each and every insurance agency, ask the same questions again and hang up feeling a little overwhelmed. We have all that available, right here, right now. You can discuss your options with us and then make your choice. Contact us today.

Tips to Make Your Fireplace Safe

The best tool you have to keep your fireplace safe in the Fayetteville, AR area is your eyes.  Doing a regular visual inspection inside and outside your home will help you keep your fireplace in good shape.  Here are tips on how to check from the inside and the outside of your home.  If you notice any serious issues, be sure to contact a licensed chimney professional or mason.

Inside Inspection

Using a flashlight to inspect the flue damper, check to make sure it can open, close, and seal correctly.  If it does not seal properly, you can lose a lot of your home’s heat.  Open the flue damper and check the chimney for materials that can catch fire, such as an animal nest or foreign object.  In other words, look for a clear shot of daylight at the top.  Look at the fireplace surroundings and firebox for cracked bricks or mortar.  Inside the firebox, look for signs of moisture because this could mean a faulty cap.

Outside Inspection

Check the chimney to make sure the cap is there and in good shape.  Use binoculars if you have a multi-level home or steep roof.  Look for bird nests or debris on the cap and make sure no tree limbs are above or near the cap.  Make sure you can see the flue liner edge just above the crown.  Inspect the chimney for signs of decay or leaning to one side or the other.  Check the roof flashing to make sure it’s tight against the chimney. 

G & G Independent Ins

Contact an agent at G & G Independent Ins to review your homeowner insurance coverage in the Fayetteville, AR area.  G & G is dedicated to helping you keep your home and family safe.

How Does Auto Insurance Vary from State to State?

As far as auto insurance goes, there are tons of different policies, different coverages, and different requirements based on where you live and your individual state’s requirements. For those that live in the Fayetteville, AR area, the agents with G & G Independent Ins know insurance and they can get you the coverage that is required for your state.

The main difference in insurance coverage from state to state comes in the terms of how much liability insurance you are required to have in order to be legally driving. This means how much coverage you have to have for yourself, your passengers, and any other drivers you may get into an accident with. One state may require that you hold $10,000 for personal injury, $25,000 for the other driver, and $10,000 for passengers while in another state the requirement may be much higher or even lower.

In many cases, having the minimum coverage is going to keep you legal and fairly safe when driving. In some states, the full coverage policies may get you benefits that do not translate to other states. One example is that in Kentucky, full coverage even covers the replacement of your windshield no matter how it was damaged.

The coverage from state to state is based on the overall statistics from that state like how much an emergency room visit costs, how often people get into wrecks, how severe the wrecks are and more. For those in the Fayetteville, AR area, the agents with G & G Independent Ins are well equipped and ready to answer any and all questions associated with the different coverage requirements of your state and what you need to be both legal and fully safe every time you go out to drive.  

Do All Companies Offer Discounts?

In the big wide world of auto insurance there are literally thousands of different discounts that various companies offer. That being said, some companies offer larger or more discounts than others and some offer no discounts at all. The real benefit is having an agent like the skilled agents with G & G Independent Ins in the Fayetteville, AR area that can help you find the discounts.

There are tons of different companies to choose from and each offer their own unique discounts and benefits. Some companies might offer something like a loyalty discount for holding a policy with them for a certain span of time, others might offer safe driver discounts for not getting into accidents. Still others might offer discounts for multiple policies and so on. It entirely the prerogative of the insurance agency to offer discounts or not and some companies choose not to.

There are certain discounts, that though they might not be named a discount formally, still exist across most policies. The one that is the most noted is the multiple car policy. This means that you get great coverage for several cars on the same policy and it costs less than a single policy for each car would cost. No matter how you cut it, discounts are the best way to save money and often you have trouble finding them on your own.

For those that need a bit of help finding discounts that apply to their specific needs, having an insurance agent like those that work with G & G Independent Ins can certainly help you find the right policy. With the help of an agent you can find discounts in the Fayetteville, AR area or wherever you live for the best deal of your auto policy no matter what.

3 Benefits of Home Insurance

Purchasing a home is a huge undertaking. Not only must you consider the cost, location, size, and much more, but you also have to find high-quality home insurance. The last task is made all the more difficult when you are not sure on what to look for. That said, the following is a quick look at three of the top benefits of home insurance. 

Equity Protection 

First and foremost, one of the top benefits of home insurance is equity protection. There are numerous variables with the propensity to negatively affect the equity of your home. However, by purchasing a high-quality home insurance policy, you will ensure that the equity on your home is protected besides dismal circumstances. 

Theft and Robbery Protection

In addition to that, theft and robbery protection is another benefit of home insurance. Although nothing can truly stop a robber dead in their tracks, having a high-quality policy will ensure that your property can be replaced and any damages done to your home can be repaired in a timely fashion. 

Natural Disaster Protection

Lastly, home insurance offers protection from natural disasters. No matter how frequent disasters may occur in your area, having natural disaster protection can provide peace of mind during times of serious turmoil. While some areas are more prone to experiencing natural disasters than others, it is imperative to note that one disaster could completely destroy entire neighborhoods. By purchasing a high-quality home insurance policy, you are ensuring that you are protected even in the most unpredictable circumstances. 

For those who are seeking home insurance in Fayetteville, AR, G & G Independent Ins has exactly what you need. No matter if it’s home, auto, or other, stop into G & G and find out why we’re one of the up and coming insurance companies in Fayetteville AR. 

Consumer Auto Insurance Tips for 2017

G & G Independent Ins not only has the facts loaded-they know how to use them for the best maximum coverage on your vehicle in Fayetteville, AR. Driving in the state of Arkansas requires a state-mandated minimum amount of liability, plus drivers must carry extra coverage to help compensate for the uninsured and underinsured motorist. These amounts required a change from time to time, so it’s a profitable idea to stay in touch with your agent.

And don’t forget to ask about insurance tips and ways to save money. G & G Independent Ins would be more than happy to keep you” in the know” with these auto insurance tips for 2017 shared by Arkansas Commissioner Allen Kerr.

Auto Insurance Tips for 2017

Consumers need to review their current coverage and keep it up to date. Your life is always changing and so is the world of Insurance. Don’t forget to shop around once in a while. It doesn’t hurt to window shop now and then. Take a few notes and ask your insurance agent some questions to ensure that you are always getting the best price for your coverage needs.

Lower your premiums for auto insurance by maintaining a blemish free driving record. A lot of accidents happen in parking lots. Always remember to be a mindful driver while behind the wheel.

Consider raising your deductible, which will lower your premium.

People clip coupons to save on food and watch for sales on furniture and clothes. There are always discounts available concerning auto insurance. Keep in touch with your agent…and ASK.

Keep in touch with the agents at G & G Independent Ins, Fayetteville, AR, and make all the right turns for 2017.

How to Handle an Accident on an Icy Road

When the roads of Fayetteville, AR are icy, the safest thing to do is avoid them. Unfortunately, at times you may find yourself encountering ice even if you tried to avoid it. These situations can lead to accidents. At G & G Independent Ins, we recommend avoiding icy road conditions, however, if you are involved in an accident where ice is involved, we hope you will use these tips to stay safe.

What to Do Following an Accident

First, if your vehicle is drivable, keep driving until you reach a safe place and are a good distance off the road. If you remain on the road, you may be hit by additional out-of-control vehicles or even cause someone else to have an accident.

If you are unable to drive your vehicle, then safely exit your vehicle and move as far away from the road as possible. However, before exiting it, make sure that there is no traffic nearby. If you are on a bridge or other location where you cannot get off the road, then stay in your vehicle until help arrives.

When there is an accident on an icy road and you are not involved in it, it is best to keep driving unless you believe the drivers involved are in immediate danger. Otherwise, note the location, keep driving, and call 911 to help them. The authorities are better equipped to help these drivers by setting up road blocks and directing traffic away from the accident.

Call Us for Assistance

At G & G Independent Ins of Fayetteville, AR, we hope all our customers stay safe this winter. If you are involved in an accident, get to a safe location and give us a call. We are here to help.