Does Your Auto Insurance Experience Feel Like Riding A Bucking Bull?

Need service on your Auto Insurance policy and can’t get anyone to answer the phone or return your call? Do you feel like you are getting Bucked Off when you need then most? The Insurance Cowboy may be the answer. You see, the problem today is that people confuse Rules with Principles. Rules are there to be Broken, Principles CAN NOT! Most Insurance Agents should be working at McDonalds taking orders at the window. You may think they are looking out for you…but most of the time they are NOT. They are concerned only about having the Lowest Premium in order to get your business and collect their commission and they could not care less about your coverage’s and protecting your Assets. Your Auto Insurance is more Critical than almost any other policy you can have. You are much more likely to have a car accident than a Home Owners claim. When was the last time your Agent explained that if the diamond falls out of your ring and is lost, that it is NOT covered. Or if you use Your laptop in the course of Business, and it is stolen from your car, your Homeowners Policy will pay a maximum $250.00 period. There are only a couple Insurance Companies that have a policy that will pay more. Is your Agent recommending an “Umbrella” if you own a home? Have they discussed with you the pitfalls of 15/30 coverage for Uninsured/ Underinsured or why you never want 15/30 Bodily Injury Liability. Auto Insurance with the Wrong Agent is worse than trying to ride a Bucking Bull. When a bull bucks you off, your aches and pains will heal much faster than the Pain that comes from YOUR LOSS of ASSETS thru inadequate coverage’s. The Insurance Cowboy ALWAYS Explains and Advises you on All Coverage’s you have and why you need what I will Recommend. You are Intelligent and can make Wise Informed decisions if you understand the way the game is played. Together we will implement coverage’s that will protect you from nearly anything Life can throw your way. Call The Insurance Cowboy TODAY for a FREE appointment and Review,702-203-5954.

The Insurance Cowboy: Insurance....Lowest Premium or Best Value for Auto...

The Insurance Cowboy: Insurance....Lowest Premium or Best Value for Auto...: Best Price or Best Value? Today most people only focus on Lowering their Auto Insurance premiums and give no thought to VALUE. Insurance is ...

Insurance....Lowest Premium or Best Value for Auto, Home and Business Insurance

Best Price or Best Value? Today most people only focus on Lowering their Auto Insurance premiums and give no thought to VALUE. Insurance is no different than any other service and or product driven environment. Cheaper is NEVER Better. Think about it, Insurance is purchased to Predetermine how your future CLAIM will be handled . Do you want the CHEAPEST Claim handling or the Best Claim handling? Price IS very Important but your Agent should be talking to you about the difference. If they are ONLY talking to you about "The lowest price" only and is not ADVISING you about the VALUE of certain Coverages. If your Agent offers you $50,00 in a coverage but they can double that coverage to $100,000 and it will only cost an additional $2.00 per month, would you spend the extra $2.00 to get an additional $50,000 in coverage? Of Course You would. That's VALUE. Is your Agent Price driven or Value driven. If they are Price driven... RUN, not walk...RUN till you find someone who focuses on Value and will Advise you on the coverages needed to Protect your Family and Assets. This Cowboy Does Exactly that. I would be Honored to Advise anyone on the correct coverages and values for each Individual situation, Even if you wish to stay with your current carrier. CALL ME today and we will schedule a time for you to come and ride a horse while we discuss your insurance needs and strategies CALL TODAY at 702-203-5954.

Happy Trails

HERO's..To whom are we a HERO

As a very young boy I loved to watch" #The Lone Ranger" and" #Roy Rogers" and as I got a little older it was "Bonanza" and John Wayne, and a bit older still, it was Clint Eastwood and older still it was Pres David O. McKay and my mission President Robert P Thorne. It was about that same time that I recognized my that my FATHER and older BROTHER played such an important roll in my life. I loved my Dad but worshiped my older Brother to the point that when he got into trouble I would beg my mother to punish me rather than him. My heart is so full today as I contemplate my other older brother and my relationship with him. You see my one older brother, to this day, I find his words echo in my words to others that I Love and care about. He has a very different way of showing his love. A punch in the arm or a sarcastic, kidding remark seem to bring a smile to my face and the #communication seems to happen. On the other hand, my other older brother is Always there for me whether I think I need him or not. He #listens when I am down, he praises me when I have done something good, and he seems to know what to say and when to say it to encourage me. #HERO'S, yes, certainly my Dad and older brother whom I mimic daily but most of all, my other older brother. I do try to emulate my other older brother but I find it difficult sometimes since he is so #perfect in all he says and does. He almost seems nonhuman.
     I often think about who is watching ME and MY ACTIONS. Who's life am I influencing, whether for the BETTER or Worse. HERO'S are great and we all need them in our lives but being a HERO to someone else, I've discovered, is Much More Important. I hope that someday my kids, #grand kids will see me as a Hero in their lives. Perhaps even more important are those who's lives I hope to #influence for the better of whom I will never know or hear about. Today I will emulate my OTHER Older Brother and maybe, just maybe, Influence someones LIFE for the better, TO WHOM WILL YOU BE A HERO???

YOUR INSURANCE AGENT......POLICY PEDDLER OR TRUSTED INSURANCE ADVISOR??

In case you just fell off the turnip truck...Today's environment has become highly specialized. Most people see insurance as a necessary evil. I have people call me everyday who "just want the cheapest premium possible"with no regard for correct coverages. "COVERAGES"??? "Insurance is just a rip off and I have never had an accident in my life"!! A "policy peddler" will  simply  "take the order". They might as well be working at McDonald's. The policy peddler cares only about their commission and NOT about protecting YOU or your PROPERTY. The Trusted Insurance Advisor will ADVISE and help YOU make wise intelligent CHOICES.
        Insurance Companies, along with everybody else that is struggling to take make money in this economy, are looking for ways to reduce their risk and push more risk, regulations and pitfalls in YOUR path.  For example, If you hit something in the road, is it covered under Comp. or Collision?? It depends on how YOU answer the adjusters INTERROGATION. He or she will be trying to figure out based on YOUR words if the object that you hit was moving or stationary.  On one hand it will be your fault and will show as an "at fault" accident and cause your rates to go up for 3 YEARS. Has YOUR Agent EVER asked you about a coverage called :Business Personal Property away from the dwelling"? What is that you ask?? For example, if you use your personal laptop for business and the laptop is Stolen from your car.....your Homeowners Policy, unless you adjust your Policy, will ONLY PAY YOU $250.00 This is true of ANY Personal Property that you use to make money  in ANY FORM or Fashion.
     POLICY PEDDLER or TRUSTED INSURANCE ADVISOR.... Which do you want??
     CALL THE INSURANCE COWBOY TODAY and enjoy the PEACE of MIND that comes from having a TRUSTED ADVISOR on your TEAM!!

RULES vs VALUES The problem today.....

The problem today is that most people confuse Rules with Values or Principles. Rules are made and socially acceptable to break but Values and Principles are not! Principles are taught at a very young age and serve as a compass, subconcious in nature, but still a compass that helps let us know right from wrong. Our decisions today dictate the outcomes of our tomorrows. Are our decisions Rules based or Principle based? Bullying, for example, is the decision based on Rules (or the breaking of them) or Principles? If they are based on Principles then one must ask one's self, what Principles were .taught and what Principles do we teach in our homes today. The Terrorist bombings are a dramatic example today. Rules or Principle?! Irregardless, thier moral compass is totally flawed and broken. Politicians are yet another example of the lack of Principles and Values for many. Is the hunger for Power and Self Agenda based on Principles/ Values or the thrill of breaking the Rules? As an Eagle Scout, which I had to earned before the age of 16, solidified  my core Values and Principles as a young man. My parents and my church involvement, molded my foundation from birth. I am so greatful for "Goodly Parents" who raised me correctly and taught me to be kind and honest every day. Today I am blessed to add to my quiver of Principles, The Cowboy Code of Ethics which a very simple sumation of all that is important in my Personal and Business Life. What a contrast to the up bringing of the criminals of our world. Can you imagine how our world would be if every one LIVED the Boy Scout Oath and Law and The Cowboy Code of Ethics. Where does it all start? We can't go back it time and fix the up bringing of those . who need it today, BUT we can LIVE and Teach by EXAMPLE with every path that we cross. A simple smile or a "Good Morning" seems to thow people off  of thier "kick the can" daily attitude. Imagine with me again how our world would be if everyone smiled and greeted each other. As my beautiful wife reminds me, when was the last time you spoke to a stranger in an elevator as it slowly moves between floors? Do you really know much about your neighbors? Do you know them enough to give them a key and the alarm code to your home in case of  an emergency? If you really think this World is in need of fixing, lets fix us first and then lift the load from our brother by looking for opportunities to SERVE them. I was told many years ago by a great man that "If you keep your face toward the sun...all the shadows will fall behind". May we all keep an "attitude of Gratitude" each and every day of our lives!

Life's Mirrors

Photo: Morticide, Some Rights Reserved

A great horse trainer suggests that a man's Horse mirrors it's owners soul. As troubling as this thought is, it's accuracy is understandable and eye opening, to say the least. I would venture to say that the same theory applies to what ever the "Pet" might be. We have all  often seen how similar looking pets and owners can be. But how about the likeness of the Soul. Could our "Choice " of pets speak to our "Self Confidence or Ego"? Could our Business Acumen over lap in our choice of pets? How about our hobbies or choice of movies or even what we choose to eat or drink?  What about the car we choose to drive? Does it say something about us? Indeed we are the sum total of all our life experiences both good and bad. Our childhood experiences are almost always a mirror our our adult relationships. Some want to be "mothered" while some want to "control" thier relationships. Can we change our paradyme by choosing a car or pet which would align us with a different set of "Character Values"?  Can we control our Spiritual, Emotional and Mental direction by merely changing the "Environment" around us? Albert Einstein once said "Weakness of Attitude becomes Weakness of Character". A good Attitude does not BUILD Character...it REVEALS it! Attitude is the REAL MIRROR of our SOUL. Attitude VS Plattitude is the self determining identifyer of our lifes Ultimate Destination.