What College Graduates Must Know About Insurance!
Graduating from college is a big deal. It’s that final step in the journey to be on your own. Congratulations! You are now on to a new job, maybe your are moving, renting a new place and possibly even buying new things!
As you begin this new journey, there is definitely one thing you’ll need…..insurance. One thing you’ll want to make sure is that you have good insurance. Good insurance doesn’t mean the cheapest insurance you can find, nore does it mean you bought the most expensive policy on the planet. What it means is insurance that fits your needs and your budget and covers you properly. Oh, you’ll probably want to get it from a knowledgeable insurance advisor.
Typically, when starting out on your own there are four things you’ll want to consider after college graduation.
- Auto Insurance
- Renters Insurance
- Health Insurance
- One Insurance Source
In college, you were probably on your parent’s auto insurance policy. That’s because their auto insurance policy covered resident relatives. And while in college, your legal residence most likely was your parent’s home. However, when you move out and/or get title to a vehicle, you’re no longer covered on their auto insurance policy.
Another reality is that your car insurance needs are different than your parents. For example, they might be financially able to have a large deductible on their car insurance policy. But that might not be best for you right now.
Now is the time to call Thams Agency, a Trusted Choice Independent Insurance Agency. Because we are independent, we represent a wide variety of car insurance companies, you’ll have many options to choose from.
Also, auto insurance companies offer discounts. And you can bet we’ll hunt every one of them down for you!
Options and Discounts. Thams Agency will present all of them to you with many quotes from our multi company rater. We’ll make sure you get the best auto insurance policy coverage value for the least amount of money.
Picture this. You finally get your own place. You move out of the family home and not just for the school year…. this time it’s permanent. You can’t believe how much stuff you’ve accumulated:
- Laptop, PC or iPad
- BlueRay Player
- iPod and other music players
- Cell Phone
- Game systems
- 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. You didn’t buy them all at once, so you probably do not realize the value of your belongings.)
A couple of friends help you move to your new apartment or home. 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 on a quick little vacation. 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, BlueRay player, game system, iPad. 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 renter’s insurance?
Renters Insurance covers your belongings (clothing, books, CDs, 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 the insurance was the responsibility of the landlord. It’s not. The landlord’s policy covers the building only. It’s a renter’s insurance 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. And even if you are on a golf outing and hit that duck hook right into the window of the house on the 15th fairway.
Thams Agency will give you peace of mind about your belongings and your liability. We’ll help you sort it all out. Renters insurance, As with auto insurance, we’re big on discounts. We’ll make sure you get them.
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?
If you are over 26 years of age, you can no longer be on your parent’s health insurance policy and must get it either through your employer or on an individual health insurance policy . Being without health insurance makes you vulnerable. Very vulnerable.
Discuss this important life decision with Thams Agency. We can help you find the best health insurance plan, with the best value for this time in your life. We’re experts in the all of the different options in the ever changing world of health care.
One Insurance Source
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 like Thams Agency on your side. Don’t fool yourself and pretend you know insurance. It can be complicated business. Plus, your needs can constantly change as your life changes.
Work with someone who specializes in College Graduates. Contact us at Thams Agency today.
The saddest words this agent ever hears are “I knew I should have done something.” All you need to do is one simple thing… contact us.
Thams Agency is a full service Independent Insurance Agent. We have been providing insurance products since 1934. We offer a full array of Personal Insurance, Commercial Insurance and Life Insurance & Health Insurance products. Call us at 712-263-3193 or contact us.
Our clients say it best….
We feel that we have professionals serving our every need at the Thams Agency whether it be house, auto, or health. One stop takes care of all of our insurance needs, and we know it’s done right. P.S. Your offices are lovely. Good move on your part to remodel and maintain the historical attributes of the building while still making it modern.
You served my folks well and I have found no reason to switch elsewhere. Your company seems rooted in Denison and an asset to the community, which is always an important part of being in business in any community.
Virginia Dobler McCurdyCustomer since 2011
After switching to Thams, I feel like I am getting as good, maybe even slightly better property insurance coverage for a whole lot less money. As long as the premium does not take any significant jumps in the next few years then I believe this was a great switch to Thams. Very friendly staff. I feel like I should have gone to see them many years ago.
Brian E.Customer since 2014
The agents at Thams make you feel like you are part of a family. They are extremely personable and the level of communication exceeds any company I have had experience with.
Client since 2004
Thams Agency has an honest, and straight forward approach to dealing with customers. They work hard to find the best insurance coverages and prices for the customer, while giving guidance and reasoning for customers to make the most informed decision possible.
They have helped reduce my payments with discounts like homeowner, safe driving, multi car, etc. Their rates are better then the old insurance company I had, they just kept raising rates although I had never had an accident (and they didn’t have discounts either). When I first came in to to talk to Todd and ask about their rates, they were 50 % lower then what I was paying. Now they are even lower due to discounts.