Author: AgentInsure

Health insurance coverage options with Astoria, OR, Linda Dugan Insurance

Posted on by AgentInsure

As the cost of living increases so does the cost of medical bills. You need to protect your family’s health by getting an insurance cover from a trusted company. With an insurance cover, you need not worry about the medical expenses when choosing a hospital for your loved one. All you will have to worry about is the choice of hospital.

At Astoria, OR, Linda Dugan Insurance, we are committed to giving you the best services. We understand that preferences and needs vary. For that reason, whenever you visit our offices, we always allocate you one of our well-trained employees to guide you through our coverage options so that you can make an informed decision.
Here is a glimpse of some of our health insurance coverage options

  •  Individual Health Cover

The individual medical cover is mostly designed for people who are unemployed or rather who don’t get health covers from their employers. Also, if you are self-employed, you stand to gain from this option as long as you meet the necessary requirements.

  •  Medicare Supplement Insurance

With a Medicare supplement cover from us, most of your medical expenses are covered. It covers even costs not covered by other health policies such as deductibles and copayments among more. Also, if you happen to travel out of USA, you still get health insurance from wherever you are.
Note, however: A Medicare cover does not cater for long term care costs.

  •  Supplemental Health Insurance

The supplemental cover helps cover unforeseen or unplanned costs related to health. For example, you may have to book a hotel or buy food and drinks as you wait for your loved one to get treated. Some of these costs may seem minimal or not worth insuring, but you can never be sure of what to expect.

With a health cover from Linda Dugan Insurance, you and your family are protected. Feel free to  Contact us today or visit our offices to get more information on the insurance options.

 

Discover the Protection of Life Insurance from Linda Dugan Insurance Serving Astoria, OR

Posted on by AgentInsure

Life insurance doesn’t have to be a scary topic. The professionals at Linda Dugan Insurance Agency can help you get the protection your family needs. In Astoria OR, families’ will need support if one or both spouses die unexpectedly. When you begin considering a life insurance policy, there are many questions that you need to consider. For instance, how will your family pay for your final expenses and any debts that you have? Would you like to set aside money for your child’s future education? Are there charities that you would like to contribute to? All of these considerations will play in your decision making process regarding the type of life insurance policy works best for your family and the amount of coverage that you need. Also, you need to remember that there will be estate taxes and inflation will impact your family.

There are several types of life insurance available. Term life insurance is designed to cover an individual for a specific period of time. The premiums can be cost effective and are often renewable. However, these policies don’t build a case value over time and can become more costly with each renewal. 

Whole Life Insurance policies cover an individual throughout their entire life. While the premiums will be higher than a term life policy, they will remain consistent as long as the policy is active. Whole life insurance policies also build cash value. This gives you monies that you can borrow against if you need to.

The team at Linda Dugan Insurance are ready to help with your insurance needs. Their work serving Astoria, OR has established their reputation as experts in the field. Protect your family today!

How Commercial Auto Insurance Can Help Save

Posted on by AgentInsure

Commercial auto insurance is a necessity for any employee or employer that requires regular driving for the job. This could be running errands, shuttling people, or dropping off deliveries. Often, employers will have commercial insurance already in place for their employees if there is a chance they can be driving for work. Aside from protection people and their belongings, commercial auto insurance is also able to save the policy holder some money each year on their taxes. 

For a business, there are many business expenses that can be deducted each year on taxes and commercial auto insurance happens to be one of them. The reason this is able to be deducted from your taxes is because the insurance policy is covering your business for any damages, liability, and losses that may be suffered as a result of an accident while driving for work. The premium that you pay for your commercial insurance is able to be deducted as long as you use the cost method when trying to determine auto expenses. If you take the standard mileage rate deduction on your taxes you will not be able to also deduct the premium for commercial insurance.

At Linda Dugan Insurance, we understand that for a business every dollar counts and we want to make sure you are protected. Proudly serving the residents of Astoria, OR, Linda Dugan Insurance can help find the right commercial auto insurance policy to fit your business and needs. The residents of Astoria OR can have peace of mind because they know their personal belongings and medical will be covered in the event of an auto accident while driving for work. Having commercial auto insurance help save business owners on taxes is even more of an incentive to purchase a commercial policy today. 

The Myths of Home Insurance (and the Truth)

Posted on by AgentInsure

It’s difficult to define the myths of home insurance, mainly because home insurance simply isn’t talked about all that often. But that doesn’t mean there aren’t a lot of incorrect assumptions about it, and unfortunately, those assumptions are revealed after a disaster rather than before. Linda Dugan Insurance wants the people of Astoria, OR to know more about things work before it’s too late. 

You Don’t Need to Inventory Your Possessions

When you lose items for any reason covered under your home insurance policy, you’ll need to recall exactly what you had in the house in the first place. Making a full list of your possessions and keeping that list in a safe place makes it easier to get the reimbursement you need. 

You Don’t Need a Security System 

Thieves are everywhere, and they can do a lot of harm. Even if you think that your possessions simply aren’t worth taking, criminals can do expensive damage to the structure that will be difficult to repair without help. Your home insurance provider knows that a security system can do a lot for keeping them at bay, and will let their thanks be shown by keeping your rates reasonable. It’s an excellent long-term investment for everyone. 

You Can Call Your Home Insurance for Anything 

While you can call your home insurance, that doesn’t necessarily mean you’ll get the financial help you need. Home insurance doesn’t cover everything, so you may want to call someone who can walk you through what it does cover. Linda Dugan Insurance can go over the things that are most likely to happen to your home and maybe some less common scenarios that you may not have considered. Call to find out more about how our policies work if you live in Astoria, OR. 

Does it Cost More to Insure an Electric Vehicle?

Posted on by AgentInsure

Electric vehicles can help you save some money. They don’t use gas, which is a huge cost saving. However, prior to buying one, you may wonder if it costs more to insure this type of vehicle. For the most part, it will cost more to insure an electric vehicle than a regular one. Here are two of the reasons why.

Electric Vehicles Cost More to Repair

If you are involved in an accident in your electric vehicle, it typically costs more to repair than similar damages in a regular gas vehicle. This is because the motor and battery in these types of cars are so expensive. If they are damaged, they need to be replaced, which can add up fast. Secondly, not every mechanic is trained to work on electric vehicles. As such, those who tend to charge higher labor costs because they have a skill set that not everyone else does. In turn, this causes vehicle repairs to increase.

Electric Vehicles Are More Expensive

The other reason electric vehicles cost more to insure is because they are more expensive. If one is stolen or totaled, the insurance company will have to pay more to you to replace the vehicle. Ultimately, this means that your insurance costs will be higher. This is generally the case with all vehicles; the more expensive it is, the more insurance will cost. As such, this is a factor you should keep in mind when selecting any car.

If you have recently purchased a new electric vehicle, or are in the market for one, Let Linda Dugan Insurance, serving the greater Astoria, OR area, a call today. The employees can help you find the right insurance for your vehicle at a price you can afford.

5 Home Security Steps to protect Your Home

Posted on by AgentInsure

Having home insurance coverage provides peace of mind after an incident that may have occurred due to criminal activity. While we can’t predict every kind of situation in the Astoria, OR. area, there are ways to wisely secure a home. Here at Linda Dugan Insurance we believe in informing our customers. Below are five tips for you to more securely protect your home against crime. Visit us or call 503-440-3909, and we can discuss your concerns more thoroughly.

Landscaping

Keep foliage trimmed back away from the house, especially around doors and windows. Opportunists look for privacy while picking a lock or breaking a window.

Lighting

Have motion sensor lighting installed to deter criminals who like to work in the dark. If the neighbor’s cat keeps turning on your outside lights, they can be reset to avoid that.

Doors and Windows

Make it a firm habit to lock doors as you come inside. Check locks before you leave the house, and before bedtime. Making this a habit reduces the chances of you accidentally leaving a window open for a week.

Security Systems

Consider a security system that connects directly to rescue and safety personnel who can respond the moment there’s an incident. These systems help during home accidents, as well.

Neighborhood Connections

Hard to define but wonderful to experience is the connection to your neighbors that makes you feel safe and watched over. Be a good neighbor and build relations within your neighborhood that deter crime and strengthen communities.

At Linda Dugan Insurance we have independent agents ready to discuss your home insurance coverage. We can find discounts you may qualify for, and provide tips on home security. Serving the Astoria, OR area, we are available at 503-440-3909.

When Worlds Collide: Auto Insurance Meets Home Insurance In a Crash Through The Fence

Posted on by AgentInsure

Feel Free to Crash Through Our Door Anytime

You will not only find auto insurance coverage at Linda Dugan Insurance located in Astoria OR. In addition we underwrite life, health as well as other insurances to help protect every aspect of your life. Contact us today if you reside in Astoria OR or the surrounding areas for a quick and cost free quote.   

A Teen Crashed Through My Fence – What To Do?

It’s 3:05 am and the only reason you are still awake is because it is a nice summer night and you are trying to get your hair just right. The kids who have been racing up and down your street all summer are at it again. The skid…the screech …and the crash, not any time lapse in those dot, dot, dot’s. Oh my goodness. All of the neighbors are out in the street. One neighbor passed the three teens as two held the wobbly legged one in between them. As they arrived close to the corner home all drew a sigh of relief that the teens made it out of the crash alive. The car sitting on the lawn twisted and broken with pieces of the fence sticking out of it was impressive.

When these two worlds collide  – the home and car insurance worlds – it is the best time to speak with an agent. Surely the wayward teen’s insurance should pay for the broken fence or initiate the claim.  In this case the home insurance would be better since the teen abandoned the rental vehicle it became a criminal matter. 

The only way to find out what is on your policy is to discuss it with your agent. Linda Dugan Insurance is never too busy to help you find the answers to all of your insurance questions. 

Tips for Keeping Your Car Clean

Posted on by AgentInsure

Because you’re so busy, it can be hard to keep your car clean. In Astoria, OR, the agents at Linda Dugan Insurance understand that keeping your vehicle clean can be manageable with a few quick tips.

Keep Microfiber Cloths Handy

Microfiber cloths are great for picking up dust. Keep one or two in the glove compartment or storage area in your vehicle. Wipe down the dashboard, steering column, radio controls, and the speedometer glass. Water isn’t necessary unless the layer of dust is extremely thick. This should be done at least once a week to avoid buildup.

Microfiber cloths can also be used to clean the inside of the windshield. After a time, the inner side of the windshield harbors a thin layer of film. This film should be cleaned every two weeks or sooner. Spray a small amount of either water or window cleaner on the cloth and clean the surface. This is also a good time to clean the review mirror.

Wet Wipes and Cotton Swabs

Keeping a small container of wet wipes can help you clean a liquid spill quickly. Of course, this is a temporary measure. If you spill coffee, the wipes can absorb some of the moisture immediately. You may need to go back later and catch some of the spillage that seeped into an area that is hard to reach.

You can purchase a travel size package of cotton swabs for your vehicle. They are useful when you need to clean out tiny hard-to-reach crevices, such as the corners of the cup holders or beneath the parking brake. Soak the tip with cleaning fluid and rub the stained areas.

At Linda Dugan Insurance, the independent agents in Astoria, OR can help adjust your current auto policy or start a new one.

 

Switching Home Insurnace Companies

Posted on by AgentInsure

There comes a time in the course of every homeowner’s life that they consider switching their home insurance coverage. There are some tips that can help you determine if it is time for a switch or just time to change your policy. If you are thinking of a switch and you live in the Astoria, OR area, the agents with Linda Dugan Insurance can help you change your policy to fit your specific needs.

So what might prompt a homeowner to change their insurance policy or their insurance company? The first thing is often going to be the cost of premiums each year. High premiums are almost always the deciding factor when it comes to changing companies. The real issue is figuring out if the change in premiums is worth the change in coverage.

In many cases, companies will offer lower premiums to newer customers. This means that changing your company might save you some money here and there. This, however, might not be the best thing to do as these lower costs nearly always fall off after you have been with the company for a long period. You also have to consider that being with a company for a longer period increases loyalty and also helps to increase the likelihood that you have a dedicated agent or that the insurance agency knows about your policy.

You also need to consider the fact that switching often to save a few dollars here and there on your policy might hurt your chances of a smooth transaction if you do have a claim. For all your questions if you live in the Astoria, OR area, the agents with Linda Dugan Insurance can better explain and help you make a switch if you so choose.  

3 Benefits of Auto Insurance

Posted on by AgentInsure

Purchasing auto insurance is a matter that affects all motorists universally. No matter what type of vehicle you have or how skilled of a drive you may be, auto insurance will still play a major factor in your ability to drive and maintain a vehicle. That said, the following is a closer look at three benefits of purchasing auto insurance. 

Lawsuit Avoidance

Firstly, one of the top benefits of having auto insurance is that it helps you avoid very costly lawsuits. If you are involved in an accident without coverage, you could be on the hook for thousands or maybe even millions! Purchase a high-quality lawsuit to avoid such things. 

Peace of Mind

In addition to that, maintaining an auto policy provides us with peace of mind. The road can be a scary place. This fear will only be magnified if you are driving without coverage. However, by purchasing an auto insurance policy, you will feel that much more confident while on the road. 

Protect your Health

Lastly, another top benefit of auto insurance is protecting your health. Given that there is always the potential of a serious accident occurring, auto insurance policies help by providing monies for medical bills and other things necessary for recovery.

Overall, if you need auto insurance in Astoria, OR, Linda Dugan Insurance is the way to go. No matter how much or how little coverage you want to purchase, Linda Dugan Insurance can create a custom package perfect to suit your insurance-related needs! Never get caught without insurance in Astoria, OR, call Linda Dugan today to start your policy and hopefully save some money!