3 Ways to Shop Local!

As the end users of our economy, it is easy to feel like we lack control over the products we buy and where they come from. A slight change in perspective reveals something different; every dollar is a vote. When you purchase local goods and services, you are voting for something that matters: the success of your local economy.

Use these three tips, and start shopping local today.

  1. Buy local produce.

A quick search online or a thumb through the paper will uncover a secret treasure trove of farmers markets. These markets offer fresh, seasonal produce grown by local farmers. There’s nothing like knowing the people who grow your food! Phoenix area folks, check out the Open Air Market this Saturday.

  • Gift locally.

Skip Amazon. Search local boutiques for unique gifts to suit every occasion.

Phoenix locals are lucky to have a wealth of local gift shops to choose from. Start by checking out Whozitz and Whatzitz, and Strawberry Hedgehog!

  • Hire local service professionals.

There is a local expert for just about every service you could need. Next time you need a mechanic, gardener, CPA, or (yes) insurance broker, search your local market. You just might find a hidden gem!

No matter what, spending money is a part of life. The good news in, your dollars count! You can use your money to support families in your community. The best news? You can rest easy knowing the local businesses you patron will support you back.

The Dangers of DIY Coverage

With a whole digital world at your fingertips, building your own insurance policy seems simple. Why consult a broker when you can compare rates online from the comfort of your own home? Unfortunately, there is a lot to watch out for when selecting your own coverage.

Do-It-Yourself insurance can come with major risks.

  1. Coverage Gaps

Insurance brokers have industry specific knowledge. They are able to assess your needs and closely examine policies to make sure you are fully covered. When individual consumers piece together their own policies, it is easy to get distracted by low rates and overlook serious coverage gaps.

  • Over-kill

Similarly, most individuals struggle to understand how much coverage they actually need. Insurance terms can be pretty technical, so some people choose the coverage that looks the most complete. This often means you are paying for more coverage than you will ever use.

  • High Premiums

Insurance underwriters use your data to determine your policy rates. When you visit the same website again and again, they take notice. Brokers understand how to represent you in the insurance market, so they get the same policies at a lower monthly premium. While DIY coverage may be convenient, it certainly does not come without risk. When it comes to the things you care about, you deserve to empowered and protected by someone you trust. A trusted insurance broker will help you avoid these three DIY coverage mistakes, and make it easy to protect the things that matter.

Why Your Auto-Rates are Rising

It’s simple: if you drive, you need insurance.

Most people don’t think twice when shopping for their automobile policies on the Internet, but lately things have changed. If you review your monthly statements, you might have noticed a trend; Car insurance rates are on the rise in Arizona.

Here’s why:

Auto insurance rates have been rising in Arizona for decades. There are several reasons for this trend.

  1. Newer vehicles are getting high tech upgrades. While this improves ease of use and the overall driver experience, these features are more expensive to fix.
  2. Arizona is experiencing a population boom. Phoenix is one of the fastest growing cities in America. More people mean more traffic and, yes, more accidents.
  3. Arizona has recently enacted a law to discourage distracted driving.  It is now illegal to use a handheld device while driving, and when the law goes into full effect in 2021, violators will receive tickets that pack a large fine.

All these factors amount to a higher risk index, causing insurance companies to raise auto-insurance rates.

What you can do:

  1. Drive carefully with an alert mind to avoid pricey accidents.
  2. Set aside a bit more money each month to account for a rise in premiums.
  3. Consult your local insurance broker for help finding the best rates.

Don’t be thrown through a loop when rates are on the rise. You deserve to be empowered and prepared. The Ambassador Group is here for you. Drive safely!

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