The Opposite of Growing “Pains” at AmFamPOB

tom birthdayIt’s been an exciting start to the new year.  The agency has almost doubled as we welcome TWO licensed agents to the team.  January 4th, licensed agent Tom Coverdale joined The Patrick D. O’Brien Agency, bringing years of experience and wonderful energy to the office.

Cindy

 

 

This February, Cindy Herr-Pino, already an amazing asset to the agency as our director of business development, passed her home, auto, life and health licensing exams.  Now, as a licensed agent, Cindy is able to not only promote the agency and it’s products, but she will be consulting and advising customers to find the best products to fit their needs.

 

Here’s some pictures of Pat and Kelly assembling Tom’s desk.  Future AmFamPOB employee?

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Another desk has been added for Cindy.  This time, Tom was recruited to help with the heavy labor.  (Kelly was on a break).

desk pat and tom tom vacuum

Great job, guys – the desk looks great!!

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Cindy and Tom are excited to work with you.  Contact us to set up an appointment.

– S.O.
The Patrick D. O’Brien Agency

 

Should You Buy a New Car?

hondaWe’ve had our 2011 Honda Odyssey van for 4 years.  It came straight from the factory and had 4 miles on it when we drove off the lot.

With a very little interest rate, about $12 of each payment is now going to interest and the rest is going to principle.  It will be paid off soon and that’s a great feeling.  We haven’t had any issues with the vehicle and we weren’t considering trading it in until we received an offer in the mail from the dealer.  It seems this model is popular on the used car market and they are eager to get us into a new vehicle ($$$).  I gotta say, it’s tempting.

However, no car payment is tempting too.  We feel we’re in a good spot with a relatively “new” vehicle but when should we buy a new car?

I did some research and Edmunds.com says it’s almost always less expensive to repair a car than buy a new one.  They say a new car typically loses an estimated 22 percent of it’s value in the first year and your existing car has already taken that depreciation hit.

On the flip side, if trips to the mechanic are costing you too much money and time from your work or family and you don’t want to worry constantly about future break downs, a new car may be worth the investment.  New cars are safer than ever with many safety equipment becoming standard on new vehicles.

Edmunds formula to making a decision is if the cost of repairs is greater than either the value of the vehicle or one year’s monthly payments, it’s time to buy another vehicle.

I asked Pat about the cost of insurance on an older vehicle v. a new one.  Would our insurance premium go up or down if we bought a new vehicle?  Of course all rates depend on the driver’s driving record and the type of vehicle (sports cars really do cost more to insure) but he said a newer car would cost more to insure (there are reasons and I’ll let him break it down for you).  But if you are in the market for a new care, the good news is, it’s also true that newer vehicles may have newer safety features that can lower your premium.  It’s important you research what your rates may be on a vehicle you are interested in purchasing before you buy.

IMG_4744In our case, the van isn’t that “old” and we have the most recent safety features such a side air bags, the back up camera and a lot of what I’d call bells and whistles on it: Navigation, DVD player, bluetooth, auto start = all awesome features when toting around kids (and when I want to learn my Jazzercise routines on long road trips).

Not having a car payment soon and keeping our premium low is more attractive to me right now than a new vehicle that’s going to depreciate thousands of dollars the minute I drive it off the lot.  And, according to Kelly’s Blue Book, if I wanted to sell the van to a private party, I could expect to receive just over $21,000.  Not a bad chunk of change should I change my mind in the near future!

Are you in the market for a new car?  Call us and ask what your insurance premium would be so you can factor the total cost of a new vehicle into your budget.  We’d be happy to assist you.

-S.O.
The Patrick D. O’Brien Agency

 

 

American Family Insurance Partners With Colts during Friday Night Football Tour

We were honored to represent American Family Insurance in partnership with the Indianapolis Colts during their Friday Night Football tour.

Prior to kick off at Fisher’s High School’s Friday night game on August 29th, The Patrick O’Brien Agency represented American Family and presented a $1500 donation from AmFam and the Colts to the Fishers High School’s health/wellness program.

It was an honor and a lot of fun participating in the pre-game festivities.

Go, Tigers!

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-S.O.
The Patrick O’Brien Agency – Fishers, IN

10 Years and Counting

10 yearsIn this day and age, not many people stay with a company for 10 years or more.  In fact, until now, neither had I.  So you can imagine when I received the notice that February 2014 was my 10 year anniversary with American Family, I was surprised (time flies when you’re having fun) and proud.

I started as an agent in 2004 and accepted a sales manager position three years later.  After six years as a sales manager, I returned to agency the Fall of 2013.  A lot comes to mind looking back on the last 10 years and I’d like to share my experience with  you.

I was first attracted to a career as an American Family Agent because of the opportunity to run my own business.  After many years in a corporate sales position with little control over my time and an ever-increasing gap between effort and reward, I realized I had the entrepreneurial drive to own a business.   In the role of an agent with American Family, not only do I control my time, effort and reward but just as important, I have the ability to provide superior products/claims from the best insurance company in the industry.

Not only was I happier in this new role but each year I received an added bonus of working with like-minded fellow managers, supportive company partners and motivated fellow agents.  Everyone I’ve encountered in the company, American Family Insurance, has the same focus:  Put the client and the Agent first!  The company’s sole purpose is to give the client the best experience possible as it pertains to the purchase & servicing of insurance products.

My time as an agency sales manager (2007-2013) gave me access to the inner workings and executive leadership of the corporation. The time spent working for the corporation was invaluable as it helped me understand who we are, where we are going and how important our clients are to the organization.  I had the opportunity to work alongside a team of talented sales managers (in Indiana and other sales states) as well as lead dozens of agency owners in District 556.

The opportunity to work once again as an agent, assisting current & prospective clients, has been the best part of this career.  Meeting with clients and learning about their families and understanding their story has been a privilege.  Our lives are so busy these days with work/family commitments.  I know that my clients need my agency’s advice and recommendations so they can make the best decision for their families.

I have so much gratitude for those that have helped me get to this point in my career:  My awesome wife, Shawna; my Parents; all the amazing mentors I’ve spent time with; and my past managers that gave me opportunities along the way.  All of these individuals helped me succeed in my efforts to be where I am today professionally (and personally).  I thank them for their support, encouragement, dedication, time and belief in me and the agency.  There’s so much heart and soul that goes into what we do every day and I hope you can feel that when you speak with me and Shannon.

I am optimistic for great things to come at The Patrick D. O’Brien Agency.  And those that know me well can hear my tone when I say, “I am pumped”!  Here’s to 10 more years!!

– Pat O’Brien
POB Agency

ps.  If you’d like to view American Family’s 2013 annual report, you can view it here.