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~Alex Hastings~
Hastings Insurance Solutions LLC
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4 Ways to Reduce Your Auto Insurance Premiums
Auto insurance premiums always seem to be on the rise. For some, that’s unavoidable. However, for many, there are a few easy ways to reduce auto insurance premiums.

Utilize the same insurance company: Unlike the stock market, diversification does not usually lower your insurance costs. Being a loyal customer of one insurance company for several insurance products (home, auto, life) can help bring down total costs.

Reduce your driving distance and risks: Auto insurance companies make some of their decisions about premiums based on the amount of time you spend on the road and your driving history. If you can reduce your time on the road and any negative marks on your driving record, you’ll probably see a clearer path toward reduced premiums. Most of you who already drive less than 7k miles a year already have this discount. The next step better is a monitored discount where your insurance company tracks your driving habits through an app fro 3-6 months depending on carrier for an even larger discount for low mileage and safe driving habits.

Choose your vehicle wisely: It’s no secret that an expensive hot-rod sports car will be more expensive to insure and, to some, may be more likely to be involved in a crash. Doing a little bit of research about the vehicle you plan to purchase on websites like and or exchanging your vehicle for a safer one could go a long way toward reducing your auto insurance payments.

Telemetrics: Monitored driving can save on average 10-as high as 30% off premiums for those wanting to more contact me anytime.
If you want to see where you can save on your policy, give us a call.
Are You Making a Mistake with
Your Homeowners Insurance?
Buying a home is the biggest investment you’ll ever make. With that kind of commitment, you owe it to yourself to protect it. Before you make a decision on which policy to buy, it pays to be informed. Get up to speed by requesting my free guide, "What You Need to Know Before Buying Homeowners Insurance."

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Planting Seeds of Change for a Whole Community
When Ontario, California, resident Maria Alonso founded the Huerta del Valle (Garden of the Valley) community garden in 2010, she had no idea that her idea would bloom into a whole ecosystem of healthy eating and positive environmental feedback.

After Alonso’s son Pablo was diagnosed with ADHD, she immediately looked into alternatives to medication and settled on a fully organic diet, as advised by Pablo’s doctors. Although it was a seemingly simple solution, finding organic food in the arid climate of her home city proved difficult, so Maria took matters into her own hands.

In the eight years since its inception, Maria’s community garden has not only given her son access to fresh produce but also revitalized an abandoned and vandalized space. Instead of trash and graffiti, the scent of guavas permeates the air while picnickers, children, and volunteers gather together to enjoy and maintain the surprising oasis.

The garden is comprised of 60 individual plots for Ontario inhabitants and a farm where food is grown to sell. Making use of a remarkable urban compost operation, employees and volunteers grow fruit and vegetables such as tomatoes, apples, eggplant, celery, and kale, which are then sold in Community Supported Agriculture boxes. The project also accepts food stamps as payment.

Recently, Alonso’s composting system has been awarded a $1.1 million development grant through California’s Transformative Climate Communities program, proving that a single seed, however small, can grow into an extraordinary tree with roots connecting its community and fruit that nourishes all.
Sweet and Savory Salmon Bowl
Serves 4
•1/2 cup brown sugar
•4 tablespoons soy sauce
•4 4 oz. skinless salmon filets
•4 cups cooked brown rice
•4 cups steamed broccoli florets
•2 ripe avocados, peeled, pitted, and sliced
•2 carrots, grated
•Cilantro leaves, for garnish
•Sesame seeds to taste
Combine the sugar and soy sauce in a bowl and stir until sugar dissolves. Set aside. Line a baking sheet with foil and lightly grease. Place salmon on the prepared baking sheet and season with salt and pepper. Broil 6 inches from heat for about 5 minutes, depending on the thickness of fish. Baste each fillet with a tablespoon of the sauce and return to heat for 2 more minutes or until fish is just opaque and cooked through.

To serve, divide the rice between 4 bowls and top with the salmon, broccoli, avocado, carrot, cilantro, and sesame seeds. Drizzle the remaining sauce over each bowl.
What Types of Home Insurance Do You Need?
In most typical homeowners insurance policies, there are a few items of standard coverage that help ensure that losses are mitigated. Below are the types of coverage you can expect to see in a standard homeowner’s insurance policy.

Dwelling: This type of coverage is for the structure of the home, from roof to floors and ceilings to walls. Dwelling coverage provides the peace of mind that you have protection up to the limit of your individual policy when natural disasters, theft, and other incidents occur.

Contents: This coverage ensures that your valuables at home are replaced in the event of a covered loss, so that you don’t have to worry about your furniture, clothing, electronics, and other items that fall under this policy.

Personal liability: Accidents can happen in your home, but luckily, insurance can help cover injuries to an invited guest in your home. Additionally, if property damage occurs, your policy may cover it if it happens as a result of a qualifying accident.

Understandably, there are unique situations that call for additional coverage, depending on your circumstances, which every homeowner should take into account. Residents in areas with high amounts of rainfall might consider flood insurance, depending on the likelihood and severity of floods, while those in areas with earthquakes should consider appropriate coverage. 

Multiple options on some carriers:
Safeco is offering Main Line coverage now at $2-$3 mo. vs utilities charging $12-$17 mo.
A few carriers offer Siding and Roof Matching packages to help cover repairs on multiple sides or roof or siding when same color/material is no longer available.

No matter your home insurance needs, we’re here to help determine and customize homeowner’s insurance coverage that is right for you. No two homeowners are the same, so contact us today to get the policy that will offer you maximum protection.
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How to Teach Your Kids About Money
Many of you may remember your parents spouting the old adage "Money doesn’t grow on trees." However factual the statement, you can grow your savings by sowing seeds today that will reap benefits tomorrow. As with any lifelong habit, starting early is key to continued success. April is Financial Literacy Month, so why not impart the wisdom of financial literacy to your kids with these simple tips:

Start with yourself. A study conducted at the University of Cambridge found that children form their money habits by the age of seven. Be a financial role model and show your children that planning and saving take careful consideration, explaining openly why you made a specific purchasing or budgeting decision.

Use an allowance as a teaching tool. The ages between five and seven are also a great time to implement an allowance system for household chores or small tasks. This teaches them the importance of earning and how to intelligently spend, save, and invest their money.

Employ a clear savings jar. Using a transparent jar helps kids effectively see their savings grow and adds an important visual element. They can actually see their money growing!

Show them that things cost money. Help them grab their hard-earned dollars out of the jar, accompany them to a toy store, and allow them to hand over the money to the cashier after picking out a toy. This is an impactful lesson they won’t forget.

Ramp up financial education as your kids get older. In each phase of childhood, teach relevant lessons as their grasp of the money concept increases. Educate middle schoolers about opportunity cost and impulse buying, and show teens the basics of accounting, tax, and debts.

ADVANCED. Consider teaching what Money really is and a conversation about the history of money and future from things like, Prior Gold based currency, a likely Cashless society, Bitcoin, and different Monetary policies impact both the good and bad.
This newsletter and any information contained herein are intended for general informational purposes only and should not be construed as legal, financial or medical advice. The publisher takes great efforts to ensure the accuracy of information contained in this newsletter. However, we will not be responsible at any time for any errors or omissions or any damages, howsoever caused, that result from its use. Seek competent professional advice and/or legal counsel with respect to any matter discussed or published in this newsletter. 

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