Saturday, December 19, 2015

Exercise Streaks

Over the last eight years I discovered the power of a daily running streak. I started running everyday on 10/06/2008.

The bottom line for me is this habit has hard wired my brain not to think about IF I'm going to run/exercise but when! I know I'm going to run daily... For me this slight change in thinking was very empowering!

Wednesday, December 9, 2015

Allow 10 days to capture advance quote discount.

Another way to lower your auto insurance costs is to shop for quotes at least 10 days before you need auto insurance. Most NEVADA insurance companies call this the advance quote discount.

Monday, December 7, 2015

Stacking discounts.

One of the ways we can better serve our clients is to stack all available discounts. It takes longer, but it can be done over the phone efficiently.

Every discount adds the savings you receive, and the end result is a lower premium (cost).

Saturday, February 21, 2015

Being fit is your best insurance for a quality life!

One of my favorite sayings is, I would rather receive a great value than a cheap price. What this means to me, is sometimes when you have to put a lot of effort to achieve something it is worth the sweat. So, if your investing a lot of time into exercise and a supporting diet, then the payoff is a higher quality of life.

Thus, hard work in the gym is the premium (i.e. paying for insurance) for a fit body and a quality life is the payoff (claim)!

Tuesday, February 10, 2015

Advance quote discount.

I've discussed the concept of the advance quote discount in previous posts. I wanted to take the opportunity to cover this concept exclusively.

Bottom line: if you don't allow 8 to 10 days before you NEED insurance you are paying too much!

What's unique about the advance quote discount (sold by most most independent insurance companies) is that the discount continues on renewal in most cases. So if you receive a 5 percent discount for the first six months the discount will also follow you on future renewals as long as you stay with this carrier (without a lapse in coverage). In addition, many insurance companies tier certain risk exposures.

Tiered insurance policies: most insurance companies tier their policies initially to be more competitive for the markets (risk exposures) they are attempting to attract. Many times insurance companies not only give an upfront discount but in many cases they'll give the consumer a better tier rating. Especially if the insurance company has good actuarial results with policy holders that have a similar risk exposure profile as you.

What does this all mean to the average insurance consumer? Planning ahead saves you money!

As always, contact an independent insurance agent, like us to take advantage of the advance quote discount.

Tuesday, January 27, 2015

Try using an independent insurance agent.

Today we compete with many different competitors. One of the biggest, especially related to younger drivers is online competition. Most of the time the users don't really know the difference between the service models. One of the big factors is that most (in Nevada seems like all) online direct insurance companies must place a claim. Even it's a small fender bender. In this instance it is great to have an independent insurance agent because they can advise you on the best course of action based on your unique set of circumstances.

The main thing to know is that many companies have a direct option (example: and an independent agent option (example: If you choose an independent agent you can truly have the best of both options. Most of the time your independent agent can even offer lower prices. Especially if you shop 8 to 10 days (advanced quote discount). An experienced independent agent can "stack" every discount you qualify for, and that is how they compete with the direct online competitors.

Tip: if you have tired of talking to different people every time you call your insurance company, try using an independent insurance agent.

Friday, January 16, 2015

Progressive Snapshot discount.

Please contact our office at 775-284-8200 about the snapshot discount. Please click on link below to learn more. If interested, please contact our office and we can provide you a quote.

Monday, January 12, 2015

Happy New Year!!

It's a new year! Hope this year is going your way!

Please let us know if we can help you. Our phone number is 775-284-8200.

About Me

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6119 Ridgeview CT #500, Reno, NV 89519, 775-284-8200 or, United States College BS in Business Administration (University of Nevada, Reno) 1987. Independent Farmers Insurance Agent 1987-1997; Part time financial sales positions 1997-1999; Co-founder and President of ClientFlex Corporation 1999-2004; Lucini/Parish Insurance 2004-2005; Co-founded (with Tammy Brunson) Ardent Insurance LLC (2005-2007); Changed entity to Ardent Insurance Inc (2006-present). Insurance Designations: LUTCF. Insurance Affiliations: Big I (Independent Insurance Agents of America); Trusted Choice Approved Agency; Professional Insurance Associates, Inc. (Affiliate); Local Business Associations: Northern Nevada Insurance Agents - Member; Community Associations: Northern Nevada Endurance Training - Active Member.