June05 Newsletter

Beginning in July the State of Illinois will use speed cameras in areas designated as "work zones" on major freeways. Anyone caught by the devices will be mailed a $375 ticket for the first offense, but a second ticket will cost $1000 and comes with a 90-day license suspension. Drivers will also face higher insurance premiums as the first offense remains on the record for 4-5 years, but a second offense remains for a minumum of 7 years. This represents the harshest penalty structure yet for a city using photo enforcement.

The state will begin with two camera vans issuing tickets in zones with speed limits lowered to 45 MPH. Photographs of both the driver's face and license plate are taken. Officials plan to keep at least one van in the Chicago area on the Dan Ryan and Kingery Expressways while other vans issue tickets in the rest of the state. Illinois Tollway Executive Director Jack Hartman promised more work zones: "Since the Tollway just launched our $5.3 billion Congestion Relief Plan, drivers will see more work zones on the Tollway than they have in the past."

Beginning in July 2005 Farmers Insurance will be offering two new deductible options:

$750 & $1250.

These new options will give Farmers customers the added flexibility to customize their deductible options to suit their individual needs. Choosing a $750 deductible will allow for 10% savings compared to a $500 deductible, and a $1250 will allow for 10% savings compa a $1000 deductible.

Ask us how Farmers Insurance unique coverages and deductibles can save you money on your car insurance bill.

Our "Loss of Use" coverage (similar to rental coverage on most policies) actually pays YOU directly in the event of a loss. You can use this money to pay for a rental car, use public transportation, or even pay a portion of your deductible!
Farmers "Glass Deducible Buy Back" coverage reduces your deductible to $100 for glass claims. This allows a customer to carry a higher deductible for comprehensive, yet have only have a $100 deductible for glass losses, which are among the most common comprehensive losses.
Ask us how some of our financial services products can help save for the future, and still have access to your principle investment in the event you need it.

Stop writing checks & Start saving money!
Starting in July 2005 for new business, and August 2005 for renewals Farmers Insurance will provide a special discount to customers who sign up for E-Z Pay. (electronic funds transfers from your checking account.)

Most compaines have or are in the process of raising their rates for Term Life Insurance. Now is the time to lock in a low rate on your life insurance needs. Don't wait until an unexpected health event makes insurance harder to secure. Term Life insurance is extremely affordible, can be converted to a permenant plan at a later time, and can even save you money on your auto and home insurance.

~ Ask us about adding a life policy to your portfolio today. ~

Financial Services (FFS)
We are proud to offer:

Mutual Funds
Variable Universal Life
Vriable Annuities
IRAs & 401(k)s
529 College Savings Plans

Securities offered through:
Farmers Financial Solutions, LLC
2423 Galena Ave., Simi Valley, CA 93065
Phone: (805) 306-3400
Member NASD

Interior Home Inspection Discount

Do you take good care of your home? Do you take pride in keeping your electical, heating/AC, and plumbing up to date?
Farmers Insurance would like to reward responsible homeowners with a special discount. Schedule an interior home inspection with us and qualify for a 3-year discount. You'll receive 15% off of your first year's premium, 10% off the second year, and 5% off the third. After 3 years you can requalify for the discount all over again.

New customers can apply for this discount immediately. Existing customers can apply for this discount by scheduling a home inspection for a $25 fee. This discount could end up saving hunderds of dollars for the qualified homeowner.

Personal Umbrella Policy

Do you own a dog or have a swimming pool? These are just a few of the things that can add laibility exposure to you and your family. A personal liability policy can inclrease the liability coverage you currently have on your auto, home, and other policies by $1,000,000 or more.
A personal liability policy also broadens your existing liability coverage. It is a recommended addition to the insurance portfolio of every respoinsible homeowner. With jury settlements increasing at an alarming rate, why not have the peace of mind that a Farmers Personal Umbrella provides?

Please don't keep us a secret! Share this website with your family, friends, or co-workers. If you find value in our services and/or our website, please feel free to tell someone whom might also benefit. We thank you, and I am sure they will thank you as well. We seek to build our business working with individuals just like you!

Don't forget to check out our new BUSINESS PARTNERS page. It contains listings of some of our valued business contacts. Feel free to contact them, and mention that Flanagan & Associates sent you!