DeKok Insurance Group, Inc.

507-226-8121 [email protected]

  • Home
  • Our Team
  • Quotes
  • Claims Contacts
  • From Our Clients
  • Referrals
  • Resources
  • Contact Us

Snapshot from Progressive

October 19, 2011 By Jon DeKok

Snapshot DiscountSM

One of the companies I represent has a cutting edge program  I want to tell you about.

Snapshot is Progressives Pay As You Drive Program that  allows good drivers to save on their car insurance. Some drivers could save as much as 30% by driving less, in safer ways, at safer times of the day. Although  not available in all states, Snapshot is available in MN.

Once you enroll in the program, the Snapshot device will be sent to you in about 10 days. It’s easily plugged in to your car’s diagnostic  port (usually located below the steering column). After set-up  the device records the number of miles you  drive, the time of day you drive (how often you drive between midnight and 4AM  – what are often called “peak hours”), and how often you make sudden  stops or on the positive side: gentle braking. The other information gathered  is your VIN number and when you unplug and re-plug the device in. It does NOT  contain a GPS or monitor how fast you drive.

To see how you’re doing, you can track the information online.

One of the questions clients ask first is, “Will my  insurance rate go UP because of what the Snapshot records?” The answer is, no. It’s also important for you to know that Progressive doesn’t share any of  the collected data unless it’s required by the law.

You can cancel using the device at any time although  discounts will not be applied if you cancel early.

Your discount is applied about 30 days after you plug in the  Snapshot device. When you renew your policy, Progressive will finalize your  driving Snapshot and you keep saving as long as you stay insured with them.  There is a possibility that if you make significant changes to your policy, they will ask you to take a new snapshot of your driving habits.

Most cars manufactured after 1996 work with the Snapshot technology. If you want to track the use on more than one vehicle, Progressive  will send you one for each car.

One of my clients tried this program out and saved a significant amount on his insurance. He said it made him more aware of his driving habits and he believes he is a better driver after using the Snapshot for a short time.

Jon

507-226-8121

[email protected]

Filed Under: Auto Insurance, DeKok Insurance Group, Independent Agent in MN Tagged With: better policies, better prices, DeKok Insurance Group, Insurance, Jon DeKok, MN insurance, MN Insurance Information, Progressive Ins Company, Snapshot

Dad DeKok,Me, & John Deere

September 22, 2011 By Jon DeKok

Joy Dad1

Hello – Joy here.

I was born and raised a city girl. Cows scared me terribly – they are such big animals. All farm machinery made me nervous.

The summer after Jon and I were married, his dad needed someone to drive his John Deere tractor when it was time to bale hay. Brave man that he was, he asked me. I was pretty nervous, but Dad was confident I could master his fairly  new and very comfy machine. The cab had air conditioning and AM/FM stereo radio, honestly, what more could a girl want on a hot and dusty summer day?

Dad taught me how to follow the cut hay and turn the corners. I watched as the hay disappeared only to reappear as rectangular bales. Looking at the field I thought, “This is going to take all day. I’ll just speed it up a little.” Following Dad’s instructions, I kept my eyes on the rows of green alfapha. That tractor could move and soon we were making excellent time. Suddenly I noticed Dad’s arms waving at me and then he gave me the thumbs down. He was seriously sweating and a bit red in the face. I slowed down, when I saw him wave at me to stop. He hopped off the wagon and into the cool cab for a few moments. He used his shirt sleeve to wipe his face the said,  “Joy, you’re doing a good job, but we need to go a little slower so I can keep up.”

He left the cab with those kind words. Back on the wagon, he gave me the thumbs up and I moved ahead, keeping a careful eye on where I needed to go and the man behind me.

When we finished with the field, the wagon was neatly piled high with bales. Dad directed me to pull up to a conveyor of sorts (I’m sure there’s an official name for it, but I have not idea what that is.) and then he unloaded the bales alone. I didn’t know it at the time, but those golden rectangles weighed about 100lbs each.

At the supper table, he prayed before the meal and thanked God for me and my help. As we filled our plates he asked me if I could come back and drive again the next day. I knew I’d sort of messed up, but the man needed a driver and assured me I’d do a much better job on day two. I did.

Another year, when he was injured, I drove that tractor again. I plowed, disked, and raked his land. (I am not sure that is the right order.) Dad did the planting, but I’d prepped those rich fields for him. I watched his crops grow with a little bit more interest that year – not a lot, but some.

Several years later, when we moved to where we live now, Jon bought a Gator so we could explore our thirty-five acres of land easily. I was so proud to show Dad our John Deere. He said wearing his signature grin, “I remember the first time you drove a John Deere.” I said, “Me too. Thanks for your patience.” He put his arm around my shoulders and gave me a squeeze then said, “Thanks again for your help.”

I sure do enjoy our John Deere and I miss the man who introduced me to them.

As Jon’s assistant here at DeKok Insurance Group I get an up close and personal view of the way he serves his current and potential clients. I see his integrity and think, like father, like son. I know. I’ve worked for and with them both.

Joy

Filed Under: DeKok Insurance Group, Independent Agent in MN, integrity Tagged With: better policies, better prices, DeKok Insurance Group, Insurance, Jon DeKok, Joy DeKok, Joy here, MN insurance, MN Insurance Information

Understanding UNDERinsured Motorist Coverage

September 8, 2011 By Jon DeKok

man on crutches on white background. Isolated 3D image

It is estimated that there will be over 12 million motorized vehicle accidents in the U. S. this year. Approximately 40,000 of them will be fatal and more than 2 million people will be injured.

The average annual cost of these accidents: $164.2 billion. Average medical costs per person is $10,000 (most likely higher) because current numbers are not available. (in 2007 the average cost per person was $8,522) This number does not include the following: continued medical treatment, legal expenses, permanent disability, loss of wages, or pain and suffering.

The state of Minnesota requires drivers to carry UNDER insured motorist coverage with minimum limits of $25,000 per person/$50,000 per occurrence. At first glance, these amounts seem adequate until you do a conservative estimate on the potential expenses which  are likely to be at least $30,000 before the add-ons.

If the person who caused the accident doesn’t have enough insurance to cover your injuries, where is that additional money going to come from?

Your underinsured motorist coverage. If your limits are inadequate. . .then what?

As your insurance agent, when I advise you to consider carrying higher limits (at least 100/300), I’m not trying to make more money. It is my goal to offer you the right protection and save you money in the event of an accident. Call me (507-226-8121) to find out if you have enough coverage.

Jon

[email protected]

graphic purchased from fotolia.com © Sergey Ilin – Fotolia.com

Filed Under: DeKok Insurance Group, Independent Agent in MN, Underinsurance Motorist, Uninsured Motorist Coverage Tagged With: better policies, better prices, DeKok Insurance Group, Insurance, Jon DeKok, MN insurance, MN Insurance Information, Underinsured

Pet Coverage

September 1, 2011 By Jon DeKok

dsc00030-4

Some of you know we have two dogs – Sophie and Tucker. Joy would tell you we love our dogs and the truth is – we do.

Many of us travel with our pets, even if it’s just to the grocery store or the gas station. Have you ever wondered what would happen if you had an accident and your pet or pets were in the car with you? Several of the companies I represent have different levels of coverage for injured pets. Since my focus this week is on Progressive, I thought I’d share this with you. It’s taken directly from their website.

Pets are family, too!

You take them to the park, to the groomer’s, and out for joyrides…we’re talking about your pets. And we think they should be covered by your auto insurance policy.

That’s why Progressive was the first to offer Pet Injury coverage and is now happy to offer up to $1000 worth of coverage for your dog or cat if they’re injured when you’re in a car, RV, boat, PWC, or commercial auto accident or during a car, RV, boat, PWC, or commercial auto fire or theft.

And, it’s free. Progressive’s Pet Injury coverage is automatically included with your Comprehensive and Collision coverage on your boat, PWC, or RV policy, and with your Collision coverage on your auto or commercial auto policy.*

How Pet Injury Coverage Works

It couldn’t be easier because you don’t have to do or pay anything. It’s absolutely free. You just need to have Collision coverage for at least one vehicle on your auto or commercial auto policy. For RV, boat and PWC policies, you need to have Comprehensive and Collision coverage for at least one vehicle on the policy.

Pet Injury coverage pays up to $1000 toward veterinary bills if your dog or cat is injured when you’re in a car accident. We also cover them for Comprehensive claims, such as vehicle theft or a fire. In the unfortunate event that your pet dies as a result of injuries sustained in your Collision or Comprehensive claim, we provide a $1000 death benefit.

Coverage also extends to a cat or dog owned by a relative who lives with you.

Auto insurance for your pet — now that’s Progressive!

NOTE: Pet coverage insurance is NOT Pet Insurance and does not cover your pet health care.

If you have questions on your insurance, call me at 507-226-8121 or email me at [email protected]

Jon

Filed Under: DeKok Insurance Group, Independent Agent in MN, Pets Tagged With: better policies, better prices, DeKok Insurance Group, Insurance, Jon DeKok, MN insurance, MN Insurance Information, Pet insurance, Progressive Ins Company

Did you know. . .

August 25, 2011 By Jon DeKok

headlamp-2940_1280

According to statistics released by the Insurance Research Council in April of 2011 that in the U.S. that approximately 1 in 7 drivers are uninsured?

This is an increase and studies blame the economic decline.

It might be a good idea to call your agent and see what your policy covers if you’re in an accident with an uninsured motorist.

Jon

226-8121

[email protected]

Graphic purchased from fotolia.com © rangizzz – Fotolia.com

Filed Under: DeKok Insurance Group, Independent Agent in MN, Uninsured Motorist Coverage Tagged With: better policies, better prices, DeKok Insurance Group, Insurance, Jon DeKok, MN insurance, MN Insurance Information, Uninsured

  • 1
  • 2
  • Next Page »
  • Auto Insurance
  • Homeowners Insurance
  • Umbrella Insurance
  • Commerical Insurance
  • From Our Clients

Copyright © 2025 Jon DeKok · DeKok Insurance Group, Inc. 1027 7th St NW, Suite 208, Rochester MN 55901