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What College Graduates Need to Know about Insurance

Congratulations! You did it! Graduating college is a significant milestone in your life; that brings many new life changes involving work, money, and your own place.

As you go out into the "real world", one thing you'll need to keep in mind is insurance; and one thing you'll want is good, reasonably priced insurance from a knowledgeable advisor.

There are four types of insurance you will want to consider after college graduation:

  1. Auto Insurance
  2. Renter's Insurance
  3. Health Insurance
  4. One Insurance Source

Auto Insurance

In college, you were on your parent's auto policy. This is because their policy covers children at school. However, when you move out of your parents' home or get a car of your own, you're no longer covered on their auto policy.

Your auto insurance needs are different than your parents. For example, they might have a large deductible on their policy; and that might not be best for you right now.

It's time to call your insurance experts at Frimark/Keller & Associates. We represent a variety of insurance companies that offer discounts. We will shop for the best option for you.

We will make sure you get the best auto coverage value for the least amount of money.

Renter's Insurance

You move out of the house you grew up in (Not just for the school year. This time it's permanent). You finally find the perfect place of your own. You can't believe how much stuff you've accumulated:

  • Flat screen TV
  • Laptop
  • Printer
  • DVD/BlueRay Player
  • iPod and other music players
  • Cell Phone
  • PlayStation/Xbox
  • Bed/Dresser/Couch
  • Microwave
  • Jewelry
  • Clothes

You might not think these items are worth much but they are-especially when you think of how much it would cost to replace them. Plus, you didn't buy it all at once, so you don't realize the value of all your belongings.

A few of your best friends and family help you move to your new apartment in Schaumburg, Hoffman Estates, Park Ridge, or Chicago. Great!

You are finally finished moving in. As you are eating pizza with your friends, you decide you can afford to take a mini vacation, since you don't start the new job for a couple weeks. You and your friends take a road trip up to the Mall of America. You have a blast and you get home on a Saturday night.

As you are walking up the steps to your apartment with the bags of new clothes, shoes, and other fun things from your trip; you open your door and stop dead in your tracks.

Your new place has been trashed. Everything you own is gone; your laptop, TV, PlayStation.

If that's not bad enough you notice a window is broken. After you have a few moments to collect your thoughts; you realize that all of your things are replaceable. Or are they?

This is where having Renters Insurance will give a peace of mind.

Renters Insurance covers your belongings (clothes, books, DVDs, 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.

You might have thought the insurance is the responsibility of your landlord. It's not. Your landlord has a policy that covers the building only. Having a renter's policy will help pay for the replacement of all your personal items.

Your renters insurance policy will also pay for an attorney and protect you in case someone gets injured while in your apartment. If you were to get sued for causing damage to your neighbor's apartment, renters insurance will also help with the cost of that.

Frimark/Keller & Associates will help give you peace of mind about your belongings and your liability. We will help you sort it all out. As with auto insurance, we will find the discounts you deserve.

Health Insurance

Before starting your job; you decide to take a month and backpack across Europe. You just graduated; you deserve to have some fun. You're in Paris when you begin feeling a pain in the lower right side of your stomach that will not go away with an Alka Seltzer.

The pain gets so bad, that you finally get medical help. You discover you have appendicitis and need your appendix removed.

Wait a minute.

Do you even have health insurance?

In Illinois, when the Affordable Care Act was passed in 2010, children can stay on their parents' health policy until age 26.

After you leave school and your home, you're responsible for insuring your health. Being without health insurance makes you vulnerable. Not only does not having health insurance make you vulnerable, there will be a fee at the end of year when you do your taxes. That fee could cost you up to $695 or 2.5% of your income - whichever is higher.

Discuss this important life decision with us. We can help you find the best health 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 can be difficult and you need an expert on your side. Don't fool yourself and pretend you know insurance. It can be complicated business. Your needs will be constantly changing as your life changes.

Work with someone who specializes in helping College Graduates. The saddest words we hear are "I thought I was covered." All you need to do is one simple thing... call us today at 847-907-4520.

Frimark/Keller & Associates is your one stop insurance shop. We do all the work for you. We have protected the college graduates of Schaumburg and Park Ridge since 1910. Complete the protection analysis form today, or give us a call.