Kessler Alair Blog

Kabuki Japanese Restaurant Victoria Gardens

Tue, 21 Feb 2012 21:16:45 GMT

Love this restaurant! right across the street from the AMC Movie Theater at Victoria Gardens Rancho Cucamonga! A sushi roll a day makes the tummy say yay!!!! http://www.kabukirestaurants.com/home.asp

Insurance agency Kessler Alair expands to Rancho Cucamonga.

Thu, 16 Feb 2012 18:04:49 GMT

Upland-based insurance agency Kessler Alair has opened a second office at Victoria Gardens, the Rancho Cucamonga shopping center. The company's new 5,000 square-foot office is above the Yard House Restaurant at Victoria Gardens. The office employs 15 agents with portfolios including home, auto, worker's compensation and other insurance services. Kessler Alair was founded in 1923. The company's office in Upland is at 2335 W Foothill Blvd. Suite 3. information: 909-931-1500 -------------------------------------------------- About Kessler Alair Insurance Services Inc. Kessler Alair is a full service insurance agency and has been serving the community since 1923. The agency specializes in providing personal service and writes all types of insurance, including Automobile, Home, Workers Compensation, Business, Employee benefits, Life and Health. Kessler Alair is one of the largest independent agencies in the Inland Empire and serves many of the area businesses. The offices are located at 2335 W. Foothill blvd, Upland California, with a second location opening January 2012 in Victoria Gardens in Rancho Cucamonga California. For more information about Kessler Alair Insurance Services Inc, or information on how possible rate reductions call 909-931-1500 or visit the website at www.kessleralair.com. The company information can also be found on Facebook at www.facebook.com/kessleralairinsurance .

Best Bargains on Prescriptions!

Christina M. Ades, Vice President — Wed, 15 Feb 2012 04:10:44 GMT

Many generic drugs cost very little money to fill a presciption. In some instances the cost of the prescription is less than the generic co-payment for your insurance. There are several pharmacies that provide low cost generic drugs for less than your medical insurance generic prescription co-payment. In an effort to try to make sure our clients are getting the best deal for their dollars, we have decided to put a list toghether to help you determine if your prescription can be filled for less money. If your prescription costs less than your co-payment, you should not be charged more than the prescription cost. For example, if penicillin cost $7 and your co-payment is $10, you should only be charged $7. The list of medication from these pharmacies is limited to generic medication and not the more expensive brand names. You may find by using one of these websites that there is a generic equivalent to the brand name drug you are currently taking. To help your dollar go farther, please shop for the best deal for your needs.

Please note, not all generic drugs are on the pharmacies dispensing list; however, if the drug is on the list you can save money by using one of the pharmacies identified.

Walmart

Walmart has a $4 for a 30 day supply prescription drug program for hundreds of generic drugs.

http://www.walmart.com/cp/PI-4-Prescriptions/1078664

You can go to their website and download a complete list of the $4 Prescriptions at http://i.walmartimages.com/i/if/hmp/fusion/customer_list.pdf to see if your prescription may be on the list. You may also want to consider their $10 for a 90 day supply of medication with mail order for your maintenance medications.

Target

Target has a $4 for a 30 day supply prescription drug program for hundreds of generic drugs.

http://sites.target.com/site/en/spot/page.jsp?title=pharmacy_generics&ref=nav_phrm_1_3

Food City

Food City has a $4 for a 30 day supply prescription drug program for hundreds of generic drugs.

http://www.foodcity.com/pharmacy/discount-club-4-list

Kroger

Kroger has a $4 for a 30 day supply or $10 for a 90 day supply for more than 300 generic prescriptions.

http://www.kroger.com/generic/Pages/default.aspx

The traditional pharmacies such as CVS, Rite-Aid and Walgreen’s do not have the $4 generic prescription, but do have similar plans like $9.99 for a 90 day supply.

Walgreens

Walgreens has over 400 generic medications that will cost you $12 for a 90 day supply, or $9.99 for a 30 day supply. Please visit their website at http://www.walgreens.com/pharmacy/?tab=Pharmacy

Rite –Aid

Rite Aid Customers Have a Choice of 30-day Supply of More Than 500 Generic Drugs for $8.99 or 90-day Supply for $15.99. Please visit their website at http://www.riteaid.com/company/news/news_details.jsf?itemNumber=1106

CVS

CVS has over 400 generic medications that will cost you $11.99 for a 90 day supply. CVS issues a Health Savings Pass card. Please visit their website at http://www.cvs.com/CVSApp/promoContent/promoLandingTemplate.jsp?promoLandingId=1046&WT.mc_id=FH_112908_RxHome_HealthSavings#1

Oops, the mail house made a mistake!

Catherine Dalton — Fri, 10 Feb 2012 01:20:23 GMT

Everyone makes a mistake once in a while right? Well the mail house we have used forever to mail our newsletters somehow shifted the columns in our mailing list and the newsletters were mailed to the correct addresses but with the wrong client name for that address.

We apologize for the inconvenience of this embarrassing situation and appreciate your patience.

Please note that no personal information was compromised because of this error and the information in our systems is correct. The mail house is working on sending an apology to our clients as well.

Our clients can rest assured that their personal information is kept with the utmost considerations and respect for privacy.

Please excuse the mistake and open and enjoy the newsletter that was mailed to you.

Sincerely,

Catherine Dalton, Marketing Director

If you haven't seen it, here is another copy of the newsletter for Winter 2012!

KAIS_Reasons_News_Winter_2012.pdf

Kessler Alair Winter 2011-2012 Newsletter

Tue, 07 Feb 2012 05:49:01 GMT

Take a moment to read the latest Kessler Alair newsletter. Here are the highlights!

New Location, New Look, New Year!
Kessler Group earns Gold Award from Mercury Insurance Group!
Meet Alpine Graphix.
Did you know this about your payment options?
Reminder about 2 very important California Laws.
Meet the newest members of the KAIS Family!
Call and get your copy of the Are You Prepared Guidebook from Kessler Alair.

KAIS_Reasons_News_Winter_2011.pdf

New Change to Carseat Law Effective Jan. 2012

Wed, 11 Jan 2012 22:22:35 GMT

Important Change to California Car Seat Law Effective January 1st

San Bernardino: Beginning January 1, 2012, California law will require children riding in any vehicle to be buckled into a car seat or booster seat in the back seat of the vehicle until their 8th birthday.

In addition, children who are not tall enough, less than 4 feet 9 inches in height, for the seat belt to fit properly must ride in a booster seat. The previous law required that children remain in a booster seat until the age of six or until they weighed sixty pounds.

This change in the car seat law will impact all small children in San Bernardino County. Keeping children in booster seats increases their chance of surviving a car crash by 45 percent. The American Academy of Pediatrics also recommends that young children ride in booster seats until 8 years of age for best protection.

The fine for violating this law is significant. For each child less than 16 years of age who is not properly secured, parents, or the driver of the car, can be fined a minimum of $475 and get a point on their driving record.

Most young children are too small for seat belts that are made to fit adults, and are subject to severe injury or death if improperly restrained. A booster seat “boosts” the child up in order to make the adult-sized seat belt safely fit a child-sized body. A seat belt worn incorrectly puts a small child at risk of serious internal injury if involved in a crash. If parents observe that their child is placing the shoulder seat belt behind their back, this is a sign that the seat belt does not fit correctly and a booster seat is needed.

Parents can learn more about the law and car seat safety by attending a free car seat safety class. Classes are offered each month in English and in Spanish in the City of San Bernardino to educate parents on the laws and the proper installation of car seats. Parents may also purchase a car seat at low-cost should their child need a car seat. For more information, contact the County of San Bernardino, Department of Public Health, Car Seat Safety Program at 1(800) 782-4264.

For more info you can go to http://www.chp.ca.gov/community/safeseat.html to read the actual law.

Above is a copy of the Press Release put out by the Department of Public Health. Kessler Alair Insurance of Upland CA urges you to keep your children safe and follow the law to avoid fines and points on your record.

Things to Keep in Mind When Buying a Car

Wed, 11 Jan 2012 04:59:06 GMT

Buying a new car is an exciting time - but it can also be stressful. After all, you're trying to get the best deal on price, while also deciding on the make, model and features you need.

We can't really help you become a master negotiator when it comes to buying a car. But we can give you some things to consider when you're looking around the lot - and when you're trying to answer the age-old question of "new, or used?"

Now, the new vs. used argument is pretty well documented - with people usually staunchly in one camp or the other - and you probably already know what side you're on. But read on with an open mind, and you might just come to a different decision the next time you’re on the car lot.

New cars

Ah, that new-car smell. It's a bit of a cliché, but it's one of the things that people love about climbing into a brand-new car. And while they make air fresheners that supposedly give you that same smell for your used car, it just doesn't seem the same, does it? Still, there are other benefits to buying new - and, of course, there are drawbacks as well.

PRO - Choices: When you buy new, you get to choose your color and the exact features you want. From spoilers to sunroofs to leather seats and stereo systems, you can customize your car to best fit you.
PRO - Maintenance: Some manufacturers offer free scheduled maintenance for a set period of time after you buy the car, and you likely won't need a new battery, tires, etc., for several years after your purchase.
PRO - Peace of Mind: Your new car may have a warranty for up to 10 years, and also is covered by "lemon laws" that could allow for a replacement or refund if the car has serious defects.
CON - Cost: Depending on the make and model, buying a new car is almost always more expensive (at least in terms of the purchase price) than a used car.

It's also worth noting that if you purchase a new car in its first model year (meaning it's a new model for the automaker), there won't be many user reviews available, and data on reliability and repairs will be limited. In addition, sometimes newly introduced cars have some kinks that generally are ironed out by the second and third model years. These aren't necessarily serious issues, and the warranty should cover them, but in some instances, you and your car could be headed to the shop more than you'd like.

Used Cars

Don't care about the new-car smell? Looking to save some money on your purchase? Well, a used car might be right for you. There are many advantages to buying used, but you'll want to be a little more careful. After all, it's hard to know exactly how well the previous owner treated the car. But you can limit your risk with a little bit of work.

PRO - Choices: While you won't necessarily get to customize your used car, you likely can find a pretty good fit. There are lots of used cars out there.
PRO - Cost: New cars depreciate quickly after they're purchased. By buying used, you're letting someone else take that financial hit over the first few years of the life of the car.
PRO/CON - Reliability: Buying a used car is less of a gamble than it used to be, particularly with the advent of "certified pre-owned" programs many automakers now offer. However, used cars generally don't carry the same warranties as new cars, even though the original manufacturer's warranty is usually transferable to a second owner.
CON - Maintenance: While a used car theoretically shouldn't need more frequent maintenance than a new car, you'll likely need to replace things like tires, headlights, etc., earlier. And scheduled maintenance probably isn't covered by the automaker.
PRO/CON - History: You'll need to check the car's title history to make sure it hasn't been in a serious accident or salvaged. Ask the dealership to provide this information, usually from Carfax.

Of course, whichever car you purchase, the important thing is that it's a good fit for you. Bear in mind that certain makes and models can result in higher car insurance costs for you, so feel free to check in with us before you buy. AND DON'T FORGET to buy your Extended Warranty through Kessler Alair Insurance, Upland CA. Our product is less than half of what the dealer would charge and the coverage is very comprehensive. We can give you a quote for a new or used car. Give us a call 909-931-1500.

Have fun shopping - and we'll see you on the road!

Coverage for Water Damage - Homeowners vs Flood Policy

Tue, 10 Jan 2012 16:55:40 GMT

Most homeowners insurance policies do not cover flood damage – federal flood insurance does. Flood insurance also covers damage from mud flow, dirt and debris resulting from moving water. A home in a high-risk flood area has a 26% chance of being damaged by flood during the course of a 30-year mortgage. That same home only has a 9% chance of a fire. You don’t need to live by water to be at risk. Anywhere it rains, it can flood. Over 20% of all flood claims occur in low- to moderate-risk areas. Don’t wait for an imminent flood to obtain flood insurance. Most flood policies have a 30-day waiting period before coverage begins. Flood insurance is available in all 50 states, as long as your community participates in the National Flood Insurance Program and your home is not in a Coastal Barrier Resource System Area. A homeowners insurance policy provides coverage for many types of water damage including damage from broken pipes, heavy rains and storms, but it usually does not provide coverage for damage from flood.

Victoria Gardens Office Coming Soon

Tue, 27 Dec 2011 18:46:29 GMT

We are all very excited about our new Rancho Cucamonga Victoria Gardens grand opening! Starting January 4th the doors to our 2nd office location will be open for business! Come visit us! We're located on the 2nd floor above the following stores/restaurants: Yard House, Craig Shelly Designs, Helzberg Diamonds, Champs Sports, Stride Rite, Bath & Body Works, Sprint, Cohiba Cigar Boutique, Toby Keith's I Love This Bar & Grill.

Kessler Alair Insurance Receives Prestigious Awards

Thu, 03 Nov 2011 22:08:40 GMT

Kessler Alair Insurance is the proud recipient of two prestigious awards: The Customer Service Champion and Gold Awards. Kessler Alair continues to show it's dedication to being an above and beyond Insurance and Financial Services Agency by working hard to meet all the required criteria to earn the title of "Customer Service Champion." Starting on January 1st 2012 Mercury Insurance Group will also be proudly displaying on their website Kessler Alair Insurance as one of their very few "Gold" agencies.