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Newmarket, NH 03857

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Keslar Insurance Agency Blog

Insurance Blog

Is It Time to Update Your Auto Insurance?

Lifestyle changes affect many aspects of our lives to include insurance coverage. The auto insurance policy you purchased last year may have provided you with adequate coverage at that time, but is it still current today? By reviewing your policy annually, you’ll know if your coverage needs tweaking or is up to date. At Keslar Insurance Agency in Newmarket, NH, we can help you update your policy to ensure you’re getting the protection you need. Here are a few signs that it may be time to update your policy. 

New Drivers

If you have new people driving your car regularly, such as your teen or spouse, you’ll need to update your policy to add them to your insurance. This ensures they’ll get full protection from your coverage. As teens are generally inexperienced drivers, you may want to add or increase certain types of coverage such as liability or collision to protect your vehicle and others against accidents your teen may cause.

New Vehicle

A change in vehicles is a good time to update auto insurance. Your coverage should be enough to protect the value of your new car. If you took out a loan for your new vehicle, your lender may require you to have extra coverage such as collision, comprehensive, and uninsured motorist to protect his investment. 

New Location

Moving to a new location could prompt you to update your auto insurance, especially if your car is at greater risk of theft or damage. If your new home doesn’t have an enclosed garage, your vehicle is more susceptible to damage from inclement weather, falling objects, etc., when parked in the driveway or street. You may want to add or increase your comprehensive coverage to cover this risk. 

To update your auto insurance or purchase a new policy, call or visit Keslar Insurance Agency in Newmarket, NH. 

Gratitude: We couldn’t have done this without you. Best of the Seacoast 2019

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Best of the Seacoast 2019 Best Insurance Agency

We wake up this morning full of gratitude. Last night we had the honor of winning the 2019 Best of the Seacoast award for Best Insurance Agency.

We couldn’t have dreamed of this without the support of so many.

  • Our fantastic customers who allow us to service their insurance needs. We are so grateful for the trust you put in us.
  • Our exceptional team who really treat our customers as they’d like to be treated themselves.
  • Our amazing friends who voted, shared, and cheered us on.
  • Our ever-supportive networking partners. We have so many in our lives who understand that a rising tide really does raise all boats.
  • Our community in which we are grateful to serve every day.
  • And of course, our family- those we love and cherish more than words can express.

IMG_20190822_204748We understand that this now sets an even higher bar of expectations from all with whom we come into contact. We are ready and up for the challenge and so grateful for the opportunity to continue to serve.

Sincerely,

Lisa & David Keslar

 

Ethan Keslar Interns at Keslar Insurance

ethan 2Newmarket, NH, December 27, 2018- Keslar Insurance Agency, a leading provider of insurance solutions in NH and ME, announced that Ethan Keslar will be interning for the month of January. Ethan currently attends the University of New Hampshire ‘s Paul College, where he is studying business administration with a focus in entrepreneurship and management. Prior to working at Keslar Insurance, Ethan worked for Goodhue and Hawkins a premier marina in Wolfeboro, New Hampshire where he worked closely with customers.

“We are excited to have Ethan in the office learning about the business. It is a nice opportunity for our family focused business. We are confident he will bring great energy and fresh ideas while he is here,” said David Keslar.

About Keslar Insurance Agency

Keslar Insurance Agency is a full service provider of residential and commercial insurance products in New Hampshire and Maine. Keslar Insurance makes sure clients have the right insurance products to protect the most important things in life-family, possessions and business. Keslar Insurance employees focus on providing the kind of service and value we’d expect for ourselves and our families. Our products which include Homeowners insurance, Auto, Life, Umbrella, Renters, Landlord, Boat, Snowmobile, ATV, Flood, Commercial Auto, Business Owner’s Policies, General Liability, Worker’s compensation, motor home, camper and more. For more information visit: www.keslarinsurance.com.

Brendan Jorgensen now Licensed P&C Agent for Keslar Insurance Agency

 

 

Brendan JorgensenKeslar Insurance Agency is pleased to announce that Brendan Jorgensen is now a licensed property and casualty agent in NH and ME. He is now able to fully support home, auto and business insurance.

“We are excited to see Brendan move to this next level in his career with us. We are confident that he will provide exceptional service throughout the relationship with our customers.” said Lisa Keslar of Keslar Insurance.

Brendan is a resident of Newmarket,  where he and his wife are raising their two children. He’s very active in the community including working with the Newmarket Business Association and the BeFree Community Church.

Learn more about Brendan.

About Keslar Insurance

Keslar Insurance Agency is a full service provider of residential and commercial insurance products in New Hampshire and Maine. Keslar Insurance makes sure clients have the right insurance products to protect the most important things in life-family, possessions and business. Keslar Insurance employees focus on providing the kind of service and value we’d expect for ourselves and our families. Our products which include Homeowners insurance, Auto, Life, Umbrella, Renters, Landlord, Boat, Snowmobile, ATV, Flood, Commercial Auto, Business Owner’s Policies, General Liability, Worker’s compensation, motor home, camper and more. For more information visit: www.keslarinsurance.com.


 

Gunstock Season Pass Holders Qualify for Home and Auto Discounts

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Concord Group Insurance has created a special Affinity program that provides savings and special benefits to its member policyholders. Gunstock Season Pass Holders qualify as a member of Concord Group Affinity Program, and can receive a 5% discount on  auto and home insurance as well as complimentary roadside assistance coverage and/or identity theft protection. These top quality auto and homeowners’ insurance policies provide robust standard and optional coverage to satisfy most needs. And the competitive rates result in peace of mind knowing you are getting the coverage you need at a great value.

Concord Group is dedicated to providing exceptional customer service. Concord Group is a mutual insurance company which means the policy holders are members of the Company. This means they have no stockholders- they are there for their policyholders!

These products are further supported by Keslar Insurance Agency. Contact Keslar Insurance today to learn more, take advantage of the affinity discount program and become a member of the Concord Group Insurance Company. www.keslarinsurance.com or 603-273-0953.

It’s deer season. What happens if your car hits one? It isn’t handled the same as a traditional auto accident.

deer car accidents insuranceAbout 1.5 million deer, elk and moose are struck each year, causing more than $1 billion in insured losses and affecting about one in 169 drivers, according to the National Association of Insurance Commissioners. From October through December, drivers’ chances of hitting a deer increase, according to the Insurance Information Institute (III). In fact, the organization says more deer crashes occur in November because it’s the height of mating season. Additionally, be extra cautious if you’re driving at dusk or dawn, as the III says these are the highest-risk times for deer crashes. Of course, those are times when cars are normally on the road, too.

Hitting a deer can be costly: According to the III, the average cost of deer-crash insurance claims was $4,135 in 2015. To help protect your vehicle (and your wallet), talk to a local agent to make sure you have the proper car insurance coverage on your policy.

As many an unlucky motorist will attest, you don’t necessarily have to run into a deer to be involved in a deer-related crash. A lot of times, you may not hit the deer; the deer may hit you or leap onto your car. Startled drivers who have run-ins with deer are often equally surprised by how their auto insurance treats their claims.

Logic might suggest that such animal crashes would fall under the collision portion of your policy, which pays for damage to your vehicle if you hit (or are hit) by another vehicle or object. Instead, animal-related damage is typically treated as an “other than collision” claim under your comprehensive coverage, or “comp,” which covers so-called acts of God such as wind, hail and flood, as well as fire, vandalism and theft.

Comprehensive coverage is strongly recommended for all drivers, unless your car has very low value. Collision coverage (which generally is sold as a package with comprehensive) won’t pay for damage caused by hitting an animal. However, collision could apply if you swerve to miss an animal and hit something else instead, such as a fence.

 Improve your safety with these tips:

  • Be extra careful when driving in areas known to have many deer.
  • Deer often move in groups, so if you see one animal, slow down and look for others.
  • Use high beams at night unless there is oncoming traffic.
  • Do not swerve if you see a deer.  Doing so could send you off the road or into oncoming traffic.

If the worst happens

Sometimes an accident is inevitable no matter how careful you are. Deer can dash out from cover with no warning, giving you no chance to stop.

If you hit a deer:

  • Move your vehicle off the road and turn on your hazard lights. Call the police. If possible, take pictures of the scene and any injuries to passengers or damage to the vehicle, for insurance purposes.
  • If the animal runs away after the accident, get a picture of hair or blood on the car to show that a deer was involved. Use this evidence to have the accident processed under comprehensive coverage.
  • Get contact information from any witnesses, especially if the animal runs off. If witnesses are able to wait, ask them to report what they saw to the police.
  • Even if you think the damage is minimal, check to be sure your vehicle is safe to drive. Look for tire damage, broken lights, fluid leaks or loose parts. You may need to call a tow truck.
  • Do not approach the deer, even if you think it’s dead. A wounded animal could injure you.

How to know you are protected.

All of us are at some risk for hitting deer because they can be found just about anywhere.  The right insurance policy plus defensive driving skills can greatly reduce your chances of injury and uncompensated expense. To learn more about if you have the right insurance policy, check with your local agent or reach out to us- we’d be happy to help www.keslarinsurance.com or 603-273-0953.

Car Insurance Tips for your New College Student

auto insurance college driving.jpgIs your child off in college? In the chaos of it all did you consider telling your auto insurance agent to see if any changes need to be made? Once your child leaves home, their car insurance may need to change.

Child that is not bringing their car to college:

If your child is going away to college and they are not bringing their car with them, make sure they are still listed on your policy as long as they are household members, especially as they are likely to drive the vehicles when they are home from school. Additionally, removing your child from your policy can have negative effects on your child’s policy of their own later in life.

Tip: Some carriers offer reduced premiums if the child is going away to school over 100 miles away and leave their car at home.

Child is bringing their car:

If your child is bringing their car to school with them, make sure to check to see if the school allows cars on campus. Some schools only allow certain grades to have their cars due to limited parking availability. For insurance purposes, it could make a difference if your child is living on campus or way from campus. Also, it may make a difference if they are there during the school year only or year around. Note too, if you child goes to a school out of state, they may not need a separate policy in that state. Ask you agent for details on your particular situation.

Tip: Rural areas tend to have lower rates than cities; if their school is in a rural area you could potentially have a reduced premium.

Child is commuting:

If your child is commuting each day, alert your insurance carrier about the amount of driving they will be doing. It is important to check your policy and make sure that you have adequate liability coverage for your child. Additionally, many carriers offer a “Good Student Discount,” offered to students that maintain a “B” average or better during their time in school.

Tip: Make sure to review details of your policy with your child and encourage them to drive safe and understand the potential risks involved.

Always review your insurance policies with your insurance agent whenever there is a life change including new drivers, new vehicles, updates to your home, marriage and more.

5 Reasons why spring’s arrival may mean insurance changes

flowers

 

The winter’s is behind us, hopefully. With spring’s arrival, there are often new things that impact your insurance needs. But now is the time to be addressing these issues with your agent.

  1. New toys: boats, motorcycles, ATV’s.

Many people buy “toys” to use for the nice weather in the spring. Call your agent as you consider your options to see how much it may cost you to put insurance coverage on these items.

2. Toys out of storage (motorcycles, ATV’s, boats and cars). 

You may need update your boat, motorcycle or ATV coverage now that you are either pulling these out of storage or maybe buying a new one!  You may be putting that convertible back on the road. Also, you may be putting your winter toys into storage, like your snowmobiles. Some policies may provide discounts for taking them “off the road”.  All of these things can be covered with a quick call to you agent.

3. Pothole damage

Driving through a pothole may ding up your car or cause damage, but you’re typically covered when you have collision coverage with your car insurance. If you don’t have coverage, however, you’re likely stuck with paying for the costs out of pocket. Ask your agent what your policy covers.

4. Spring flooding

When winter snow starts to melt, rivers and streams may rise. Mix in some spring rains, and there is potential for flooding. While a standard home insurance policy covers water damage from sudden occurrences – such as burst pipes – it typically will not cover destruction related to spring floods. Calling your agent before you run the risk of a flood is always a good idea to learn about your options.

5. Hail damage- autos and homes

Springtime storms can bring hail that destroys siding and roof shingles. Fortunately, homeowners are usually protected under their home insurance policies.  And if a window breaks because of a storm, that’s typically covered too, along with resulting water damage.  Your auto policy may also cover any damages to your vehicle. Always ask your agent to make sure you know what is covered in your particular policy.

If you have any insurance related questions or concerns, please feel free to reach out to us. We’d be happy to assist you. We can be reached at www.keslarinsurance.com or 603-273-0953.

Keslar Insurance Ribbon Cutting with the Exeter Chamber of Commerce

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The Ribbon cutting ceremony with the Exeter Chamber of Commerce was a success! Thanks to the following attendees who braved the rain to join us:

Bette Gianino & Richard Parker
Jon Goulet – Home Innovations Corp
Crystal Gordon – Arbonne International
Bill DaGiau – Annies Angels

Greg Schena – Masiello Commercial Real Estate
Hunter Putnam – The Idea Garage

 Photo credits: Bobbi Vandenbulcke, Member Services Director, Exeter Area Chamber of Commerce.

 

We thank you for referrals: Pick your favorite

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We consider a referral to be the ultimate compliment. That means you trust us to take care of your friends, family, neighbors, coworkers, anyone close to you- and always provide them the right insurance coverages and exceptional customer service.

For every home or auto quote we do because of you, we’d like to send you a personalized thank you.

Pick your own “thank you” from the options below:-)

Gotta love my coffee:

  • Dunkin Donuts Gift Card
  • Aroma Joe’s Gift card

Keep me going:

  • Irving Gas card

I’m a shopper:

  • I’d like a little “treat” from Amazon.com

Pay it forward. Give me the gift of Good Karma. Make a donation to the following local charity, part of the Keslar Cares initiative to help others:

Referral values are $5 for each home quote and $5 for each auto quote ($10 combined!).  To take advantage of this program, you can simply fill out the form below. Or you may call us, email us or have the person you referred call us or email us and let us know that you have done the referring and we will take care of the rest! We can be reached at 603-273-0953 or info@keslarinsurance.com.

Thank you again for taking the time to think of us. It is sincerely appreciated!  We promise to take great care of anyone that you send our way!
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