Farmers Insurance - Matt Metzger

5 Ways to Reduce Your Auto Insurance Premiums 1 Drive safely and drive less Generally, the longer you drive without major citations or accidents, the lower your premium will be. In addition, the more time you spend driving and the farther the distances, the higher the likelihood that you may end up in an accident regardless of how safe a driver you are. Consider car-pooling, taking public transportation or riding your bike. If you are a safe driver, Farmers offers a safe driver discount to reward your good driving habits.   2 Research before you buy Before you commit to buying a new car, be sure to do your research. Some makes and models of cars, particularly those with excellent safety, theft loss or accident records, can be less expensive to insure. If you're considering several models and can't decide, I can help you make an informed decision providing some coverage price comparisons for the models you're interested in

Everything’s Bigger in Texas…Especially Farmers’ Smart Insurance Discounts If you’re employed or retired from an approved occupational group (e.g., Accountants, Educators, Engineers, Firefighters, Military, Law Enforcement, Medical Professionals, etc.), you may be eligible for this discount. Contact us at (210)722-8220 or mmetzger@farmersagent.com to see if you qualify.

FARMERS RIDESHARE Generally, your personal auto insurance policy wasn’t designed to provide you with coverage when you are working as a  rideshare driver with companies like Uber . And, rideshare companies' full commercial liability coverage doesn’t apply until you accept a ride. With Farmers Rideshare, you can avoid a potential gap in coverage by extending your personal auto insurance coverage when you are logged in and waiting to be matched with your next rider. What gap? Doesn’t the rideshare company’s insurance policy cover me when I’m working? When you log in to the rideshare company’s app, you may only be covered by the rideshare company’s limited liability coverage until you accept a ride and their full commercial liability coverage applies.  While you are waiting to be matched with your next rider, their policy generally only provides limited liability coverage* for medical expenses and damage you cause to others if an accident is your fault. Damage to you

How Employer-Provided Life Insurance Works Employer-provided or group life insurance can be a powerful and affordable benefit. Generally, a company will pay for Life insurance for their employees (and families) for a small cost taken from their paychecks, all without a medical exam. This makes employer-provided coverage an affordable option, even for those in less-than-perfect health. To keep costs down though, and deliver benefits to everyone, company-provided Life insurance may have limitations and: Restrict your coverage and additional options to small amounts (typically up to 2X your salary). Not travel with you if you leave your job. End suddenly if your company discontinues the policy. While these plans do benefit employees and help families in tough times, far too many households rely on them as their sole source of Life insurance. That means employees are typically not carrying enough coverage (especially in single-income households) and leaving their loved

                 Starbucks CEO : " We spend more on health care than coffee". Starbucks  ‘ chief barista  Howard  Schultz  Howard Schultz  has been committed to healthcare coverage for his employees, but his generosity may be brewing up trouble for the coffee seller.  The company’s chairman told U.S. legislators yesterday that it will spend more on employee health insurance this year than on raw materials to brew its coffee.  Starbucks  provides health care coverage to employees who work at least 20 hours a week, which will add up to about $200 million this year for health care for its 80,000 U.S. employees. But Schultz that Starbucks’ benefits policy is a key factor in the company’s low employee turnover and high productivity.   https://news.starbucks.com/news/starbucks-expands-health-benefits

What Is Pet Insurance and What Does It Cover? If social media has taught us anything, it’s that nothing is cuter than puppies and kittens (except maybe when they become friends with babies). But as pet owners, we know there’s nothing less cute than when our furry buddies get sick. The problem is, a sick puppy isn’t just sad. It can also be expensive, especially when there’s a visit to the vet involved. A whopping 80 percent of pets will experience a medical emergency in their lifetime,* and vet bills can range from a $30 check up to an $8,000 kidney transplant, and beyond. In fact, the average claim for pet accidents is $547.** Fortunately, however, there’s  pet insurance . Simply put, pet health insurance provides reimbursement coverage for veterinary bills related to the treatment of an injured or sick pet. Pet insurance also covers emergency care, helping you from getting stuck with an unexpected expense. (Contrary to popular belief, pet insurance is considere

Life insurance helps to protect your most precious assets.