Van C. Travis - State Farm Agent

It's National Donut Day!
Donuts have holes. Your Insurance should not!
Give us a call and we will make sure you are properly protected!
Call 585-461-5240

We're closing in on 100 5-Star Google Reviews. If myself or anyone here at my office has ever been of assistance to you, we would greatly appreciate a 5-Star review from you so we can reach out Goal of 100 5-Star reviews! Thank you!

It’s We Want To Know Wednesday!
Tell us: What does alone time look like to you? Read a book? Take a walk or hike? Ride your bike? Watch a movie?
Everyone needs alone time. What is your favorite way to get some alone time?

Owning your home means owning your future — a place to raise your family, fulfill your dreams and create strong communities. 🏠💓
Over the long term, homeownership is a solid stepping stone to a future of financial security. The equity accumulated over years of homeownership can be used to help pay for college, downsize into a retirement home, or for future financial needs.
✅ We are here to help you protect this most valuable asset. Give us a call at 585-461-5240.

It’s Misconception Monday. Today’s topic: Cheaper car, cheaper insurance? 🚙🛻🚐

In general, a less expensive car may result in lower insurance premiums compared to a more expensive car, but the car's price does not solely determine it. Several factors influence auto insurance premiums, and while the cost of the vehicle is one factor, it's not the only one that insurers consider.

Here are 10 factors that insurers typically take into account when determining auto insurance premiums:

#1) Car's Value: Generally, the more expensive a car is, the more it will cost to insure because the cost to repair or replace the vehicle in the event of damage or theft is higher.

#2) Car's Safety Rating: Vehicles with high safety ratings and features such as anti-theft devices and safety features like airbags and anti-lock brakes may qualify for lower insurance rates.

#3) Cost of Repairs: Insurers consider the cost of repairing the vehicle in the event of an accident. Some less expensive cars have parts that are more affordable to replace, which can result in lower insurance premiums.

#4) Theft Rate: Cars that are frequently targeted by thieves may have higher insurance premiums. Less expensive cars may be less attractive targets for theft, which can lead to lower insurance rates.

#5) Driving Record: Your driving record, including your history of accidents and traffic violations, has a significant impact on your insurance premiums. A clean driving record can result in lower rates, regardless of the car's value.

#6) Location: Where you live can affect your insurance rates due to factors like population density, crime rates, and accident rates in your area.

#7) Usage: How you use your car (e.g., commuting, pleasure, business) and the number of miles you drive annually can affect your insurance premiums.

#8) Driver's Age and Gender: Younger, less experienced drivers and male drivers typically pay higher insurance premiums than older, more experienced drivers and female drivers.

#9) Liability and Personal Injury: Physical damage is only one portion of your auto coverage. Two other very important coverages are liability (protecting your current assets and future earnings) and personal injury/medical pay (covering medical bills that follow an accident). These two coverages can far exceed the cost to repair or replace the vehicle at the time of claim.

#10) Coverage Options: The level of coverage you choose, such as liability-only coverage versus comprehensive and collision coverage, will affect your insurance premiums.

We are here to help you discern the best coverage for your needs, lifestyle and budget.

Give us a call at 585-461-5240 if you have any questions or we can help in any way.

Our Office is currently without Power or Phones. We apologize for any inconvenience!

As we enjoy this long weekend, remember the true meaning of Memorial Day and honor those who gave everything for our freedom!

We understand that Life insurance can seem confusing. We help dispel the myths about life insurance, explain coverage in ways you’ll actually understand, and help you prepare for life's uncertainties.

Contact us today to schedule a complementary Life Insurance review. 585-461-5240

Losing any possession can be frustrating...... Would You Rather lose your Phone or your Car Keys, and why?

Is a wedding in your future? Planning your dream wedding while sticking to a budget can be challenging. Your wedding checklist should include what's important to you to feel ready and confident.

Get money-saving wedding ideas to maximize your budget while creating your perfect day! https://www.statefarm.com/simple-insights/family/save-money-on-weddings

And remember: your insurance needs will change once married. We are here to review your needs and ensure your life is protected.

It’s ! In honor of all the moms out there, how about a few Mother’s Day jokes to get the weekend started?

"The influence of a great teacher can never be erased.”

Who is the teacher who influenced you the most? For me, it was Mrs. Shapiro, who I was fortunate enough to have twice. She was my teacher in 4th grade and again in 6th grade.

It’s Misconception Monday - Today’s topic: How personal property is covered inside of your vehicle.

Personal property stolen from inside your vehicle is typically covered by your homeowner's or renter's insurance policy, rather than your auto insurance policy. This coverage is often referred to as "off-premises coverage" or "personal property coverage," and it extends to your belongings regardless of where they are stolen, including from your vehicle.

Here's how personal property coverage generally works in this scenario:

Coverage Limit: Your policy will specify a limit for personal property coverage, which is the maximum amount the insurance company will pay for stolen items. It's essential to review your policy to understand this limit.

Deductible: Similar to other types of insurance coverage, you'll likely have a deductible that you need to meet before your insurance company will reimburse you for the stolen items. Make sure you're aware of your deductible amount.

Item Coverage: Most personal property coverage will reimburse you for the actual cash value (ACV) of the stolen items, which is their depreciated value at the time of the theft. Some policies may offer replacement cost coverage, which reimburses you for the cost of replacing the stolen items with new ones, without deducting for depreciation.

Exclusions: Some items may be excluded from coverage or may have limited coverage under your policy. Common exclusions include cash, certain types of jewelry, valuable artwork, and business property.

We are here to help you review your policy so you understand all coverage, and any limitations or exclusions BEFORE an unexpected event occurs!

Give us a CALL at 585-461-5240 and we will be glad to discuss in more detail or setup a time to meet with you.

Our office will be CLOSING AT NOON on Monday, April 8th so that our team can enjoy the Eclipse with their family and friends. We hope you will enjoy this special day with your family and friends as well. 🌖 😎

Great leaders, mentors and coaches believe in others before they believe in themselves!

Lisa Bluder: Hannah Stuelke 'took another big leap' in Iowa's win over UConn

What an amazing talent. So fun to watch!

REMINDER: Effective today, NY's Move Over Law now includes ALL VEHICLES. This means when you see ANY vehicle (including work zones) on the side of the highway you must ⚠ SLOW DOWN & MOVE OVER.

There are times in life when you don’t realize you are witnessing greatness, until you look back on it. And then there are times when you know you are witnessing graatness right in front of you!

Covering Greatness :30 | State Farm® Commercial Achieving greatness takes guts on the court and a community supporting you off the court. Caitlin Clark is redefining what greatness means in women’s basketb...

Does your dog agree?

State Farm has been ranked #1 in Customer Satisfaction among Life Insurance Providers by J.D. Power. I’m proud to offer you options to help protect your family, backed by award-winning satisfaction. Contact me for a quote today.

Did anyone have a favorite commercial from the

😉

I did not make this one up...... Tomorrow is National Van Day! 😀
https://st8.fm/3SWH7Qs.

National Van Day Want to celebrate National Van Day? Join us as we make this holiday memorable.

If you need a good laugh, check out the new "movie trailer" Like A Good Neighbaaa - To Be Continued.
https://youtu.be/sNGbLrrGYGs?si=GRqqTTx431LwkVMJ

Like A Good Neighbaaa - To Be Continued | feat. Arnold Schwarzenegger | State Farm® Will Arnold finally nail the slogan? See how the script changes 2.11.24.See more at: https://AgentStateFarmMovie.comLike a good neighbor, State Farm is there...

Who's ready for the and new premiering on 2-11-2024?

Arnold Schwarzenegger's New Action Movie Is Only 60 Seconds Long in Partnership with State Farm Arnold Schwarzenegger talks to Jimmy about his new movie and playing Agent State Farm.The Tonight Show Starring Jimmy Fallon. Stream now on Peacock: https:/...

What's better than puppies and a good laugh?

Pup Quiz with Arnold Schwarzenegger in Partnership with State Farm | The Tonight Show Arnold Schwarzenegger faces off against Jake from State Farm in a trivia game where the winner of each round gets a puppy to snuggle.The Tonight Show Starrin...

Arnold Schwarzenegger is Agent State Farm! Coming 2024!

Agent State Farm | Official Teaser Trailer [HD] | starring Arnold Schwarzenegger Arnold Schwarzenegger is AGENT STATE FARM. The origin story and heroics of Agent State Farm – an elite State Farm agent who goes to any length necessary to ...