"What College Graduates Need to Know About Insurance"
Congratulations! Graduating college is a significant milestone in your life. One that will bring on many new and exciting life changes involving work, money, living space and possessions.
As you seek out new ventures, one thing you'll need is insurance. And one thing you'll want is a powerful insurance program from a knowledgeable, trusted advisor, that's reasonably priced.
There are four types of insurance you'll want to consider after college graduation:
- One Insurance Source
In college, you were probably on your parent's auto policy. That's because their policy covered resident relatives. However, when you move out and/or get title to a vehicle, you're no longer covered on their auto policy.
Another reality is that your auto insurance needs are different than your parents. For example, they might be financially able to have a large deductible on their policy. But that might not be best for you right now.
Now is the time to call Sun Pacific Insurance. Since we represent a wide variety of insurance companies, you'll have many affordable options to choose from.
Also, auto insurers offer a number of sneaky discounts. You can bet we'll hunt every one of them down for you.
Options and Discounts. Sun Pacific Insurance will present all of them to you. We'll make sure you get the right protection for your auto policy, at the best possible price.
Picture this. You finally get your own place. You move out of the family home (Not just for the school year. This time it's permanent). You can't believe how much stuff you've accumulated:
- Laptop or PC
- DVD Player
- iPod, iPad or iPhone
- Cell Phone
- Game systems (PS3, XBox, Nintendo Wii)
- Bedroom set and other furniture
- Microwave and other kitchen appliances
- Watch / Jewelry
(You might not think they're worth much, but they are — especially when you think of how much it would cost to replace them.)
A couple of friends help you move in to your new garden apartment. Great!
You're moved in, you've managed to save a couple of bucks and it's two weeks before you start work. So, you take a short trip with some friends to Cancun. You have a blast and return home on a Saturday night.
You're still smiling at the memories of the trip as you walk up the stairs. Maybe you're even chuckling as you put the key in the door and open it.
Then you stop laughing. You stop smiling. You mouth goes ajar and you can't believe your eyes.
Your place has been trashed. Everything you had is gone — your laptop, DVD player, game system. Everything.
That's a bad enough feeling. And it happens. But eventually you realize all of your things are replaceable. Or are they?
Did you have renters insurance?
Renters Insurance covers your belongings (clothing, books, DVDs, laptop, golf clubs, furniture - everything) not only in your apartment but in your locked car and anywhere else you take them. It protects your things against fire and other occurrences beyond your control — including vandalism and theft.
If you thought about it at all, you may have thought insurance was the responsibility of the landlord. It's not. The landlord's policy covers the building only. It's a renters policy that will help pay for the replacement of all your personal items.
It will also pay for an attorney and protect you in case someone gets injured while in your apartment and/or you get sued if damage caused by you impacts neighboring apartments.
Sun Pacific Insurance will give you the peace of mind you deserve about your belongings and your liability. We'll help you sort it all out. As with auto insurance, we're big on discounts. We'll make sure you get any discount that you qualify for.
Let's say before starting your job, you decide to take a month and backpack across Europe. You're in Paris when you begin feeling a pain in the lower right side of your abdomen that will not go away with an Alka Seltzer.
The pain gets worse. You finally get medical help. You discover you have appendicitis and need your appendix removed.
Wait a minute.
Do you even have health insurance?
Remember, as a full time student you can usually stay on your parent's health coverage until age 26. With the health care bill that was passed in early 2010, the new federal regulation is that children can stay on their parents policy until age 26. The deadline for plans to make that change is September this year, so you'll probably want to update your policy.
However, after you leave school and your home, you're responsible for insuring your health. Being without health insurance makes you vulnerable. Very vulnerable.
Discuss this important life decision with us. We can help you find the best health plan, at the best price for this time in your life. We're experts in the all of the different options in the ever changing world of health care. And remember, we're always here to help you, so if you have any questions...just ask!
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When you make the transition from college to "real-life," everything changes.
Now you're responsible for protecting yourself and your family...
Your choices are difficult and you need an expert on your side. Don't fool yourself and pretend you know insurance. After all, it can be a complicated business. Plus, your needs can constantly change as your life changes.
You should work with a local agent who specializes in College Graduates. At Sun Pacific Insurance, we understand what coverages recent college graduates need, and what coverages you don't need, so that you can get a protection program that's customized to fit your individual needs.
The saddest words our agents ever hear are, "I knew I should have done something." All you need to do is one simple thing...contact us before it's too late.
We're your one stop insurance shop. We'll do all the work for you. Complete the protection analysis form today, or call us now at (949) 582-5220.