Summer Driving Tips

 

An Auto Insurance Update

Summer is here, and many families are planning that great summer road trip.  Whether you are planning a day trip or a longer weeklong adventure, it is important to be prepared before you hit the road.  Insurance Institute for Highway Safety (IIHS) statistics reveal that more fatal traffic crashes occur over the summer months than over the winter months.

Summer Driving Tips

If you have teen drivers, make sure they have taken driver safety training.

Never use your phone while driving.

When on a long drive, take frequent breaks.

Roads become very slippery in the first few minutes of rainfall because the rain mixes with the oil and dirt on the road. It takes about 30 minutes of steady rain to wash the oil and dirt off the road.

If your car is due for a tune-up, oil change, battery check, or tire rotation, now is the time to get it done.

Use seats belts every trip, all the time.

Traffic laws vary by state, so it is important to follow traffic signs.

Pack extra water and supplies in case of an emergency.

Drive at a safe speed. Speeding increases the likelihood and severity of a crash.

Auto Insurance

It will be important to have an auto insurance update before you go. Laws vary from state to state, and when it comes to your auto insurance, it is important to have the best possible combination of coverage, price, and service.

Will Your Personal Insurance Be There For You When You Need It?

A Personal Insurance Update

As we move into 2019, it is important to take stock of your personal insurance program.  Many different life events can affect your personal insurance.  Having the right kind of personal insurance can make a big difference if, and when, you ever have a claim.  Please call our office for an insurance review.

What Should Be Part of Your 2019 Personal Insurance Planning?

Should I consider a personal umbrella policy?

Is my home valued correctly?

Do I need to add or remove any drivers?

Have my life insurance needs changed?

Things That Can Affect Your Insurance

Marital status.

Children in college.

Purchase of a new vehicle, ATV, motorcycle, or boat.

Planned foreign travel.

Purchased any items of value like art, guns, or jewelry.

Starting a home-based business.

Purchasing a vacation home.

Using your home as rental income.

If you call us, one of our team members will help you find the best possible combination of coverage, price, and service.  Our agents have access to more carriers, and that means that they have more options, including multiple policy discounts and preferred premium pricing.

Good Reasons To Call Your Insurance Agent

Home and Auto Insurance Update

Let’s face it, you buy home and auto insurance to protect you when and or if an accident happens. And when you have an accident, you want your personal insurance to respond.  If it has been a while since you updated your personal insurance coverage, you may want to call us today.

When to Call Your Agent

When you buy or sell a car

If you started a home based business

If you are thinking about putting in a pool

When you purchased any high-end jewelry, guns or other items

If you home replacement value has gone up

Did you get a company car?

If you have remolded any part of your home

When you install a security system in your home

If you get married or divorced

If your commute distance has changed

When your children go away to college

Having the right auto coverage is not as easy as it sounds, and choosing the wrong coverages and limits could lead to financial disaster.  Our team is prepared to help you find the right combination of coverage, price and service.

New Car Shopping? Think About Auto Insurance Too  

 New Car Shopping? Think About Auto Insurance Too

 Auto Insurance

 Are you in the market for a new low-cost car? Before you head off to the showroom, you may want to determine which cars are the least expensive to insure. There are many low-cost autos on the market which are very popular. If you are in the market for a fuel-efficient, low-cost auto, here are some items to consider.

Auto Liability Coverage pays for medical damages and funeral expenses for any people injured or killed in an accident for which you were responsible.  Auto Property Damage covers damage you do to a third party. Auto Physical Damage covers comprehensive and collision. A collision is designed to get your car repaired if you hit an object. Comprehensive Coverage covers your vehicle in the event of damage or loss from something other than a collision; this includes theft, vandalism, nature, animals.

Best Cars To Insure

Mazda CX-3.

Honda Pilot LX.

Fiat 500X Pop.

Nissan Frontier S.

Hyundai Tuscon SE.

Umbrella Insurance Offers Added Protection

 

Umbrella Insurance Offers Added Protection

A Personal Insurance Update

You have worked hard to build a good life for yourself and your family. You own a home, have two cars and a boat, and you might even have a second home. You have also built a financial future for your family with a 401k plan and other investments. One accident can wipe all that out by not having enough insurance.

A personal umbrella policy can protect your assets in the event of a major accident. A personal umbrella policy adds additional limits above your auto and home insurance policies. Let’s face it, litigation resulting from an accident can be costly to you. Think about this, you are having a holiday party, and someone goes home slightly drunk and cause an accident. Think you won’t get sued? Think again.  A lawsuit and all the related expenses could destroy your financial security, but a personal umbrella policy could protect you.

Take some time to add up all your personal assets including; your home, investments, 401k plan, future income, and the value of your personal property. All these are exposed to the possibility to be taken, if you are involved in costly litigation.

Is It Time For An Insurance Check-Up?

Your insurance needs change over time, so it is important to review your policies periodically to make sure they are up-to-date. Tragically, many people are not insured after devastating natural disasters. It’s never too late to do a homeowner’s insurance checkup before the next threat heads your way. This article highlights some important insurance coverage you should consider such as:

Earthquake Insurance

Flood Insurance

Wind Insurance

Steps To Help Secure The Right Coverage

Make sure your homes information is up to date. Your agent should shave to right square footage and replacement value.

Research the replacement cost for new construction in your area.

Have our agency provide you with coverage options for competitive insurance products.

Consider getting a “floater” to your home insurance policy. If you own valuable furs, jewelry, guns, collections, silverware, or artwork, a “floater” can cover the full value of those items. Consider adding building code or ordinance or law endorsement, which will help pay the higher cost of bringing plumbing, wiring, or other key systems up to current codes when rebuilding.

Why Are Your Auto Insurance Premiums Increasing?

An Auto Insurance Update

You may have noticed your auto premiums are increasing. In fact, auto rates are increasing all over the country. The reason for the increases are not what you may think. It is not because the insurance companies want to make more profit, it is due to the overwhelming number of accidents and the cost of these accidents. Most major auto insurers are paying out more in losses than they are taking in premiums.

The two contributing factors are the number of distracted driving accidents, and the cost of repairing newer, technologically sophisticated cars.
Distracted Driving

Distracted driving accidents are increasing in America due to the growing use of hand-held devices.  Too many people are interacting with their phones while driving. Phones and sophisticated dashboard technology are among some of the top activities that lead to accidents.

Driving while using a hand-held device increases the likelihood of a car accident by 400%.

Driver distractions are the leading cause of most vehicle crashes and near-crashes. According to a study released by the National Highway Traffic Safety Administration (NHTSA) and the Virginia Tech Transportation Institute (VTTI), 80% of crashes and 65% of near-crashes involve some form of driver distraction. The distraction occurred within three seconds prior to the vehicle crash!

Here is a link to a good article

Cost of Repairs Are Up Dramatically

Most new cars are designed with sophisticated technology that is expensive to repair.  Even the cost of bumpers has increased over 100% according to the Insurance Information Institute.  Today’s vehicles are equipped with expensive computers that control and monitor hundreds of features on the vehicle.  These computers are typically not repaired, but are replaced, which increases the total cost of the auto repair.

Get a Quote Today

72% of auto insurance in the United States is with just 10 companies. If you have not had us shop your auto insurance, now is the time.

We Answer Common Home Insurance Questions

Whether you are a new homeowner or have owned your home for a longer period, there’s no doubt you have any questions about homeowner’s insurance. You want to protect your home, your possessions, and your family. Below are five of the most frequently asked questions about homeowner’s insurance.

As a homeowner, am I required to have insurance? Yes, in most cases, especially if you have a lender. It’s also wise to look into insurance if you are in the process of constructing your home and even renting your home to someone else.

What types of coverage does homeowner insurance provide? Two types casually, which covers the home and contents, and liability, which covers anyone who is injured on your property. With both types, the amount of coverage depends on the policy.

Will the replacement cost be the same as the sale price of my home? No. The replacement cost will cover the amount needed to replace the structure and/or contents. Replacement cost is usually calculated based on the individual policies formula. It’s wise to take inventory and photographs of your home and contents.

Will homeowner insurance cover damage or theft outside of my home? It depends on the policy. Sometimes standard policies offer this kind of coverage, but if not, ask if purchasing the coverage at additional costs is an option.

Are home-based businesses covered under homeowner insurance? No, unless you qualify for an endorsement to your current homeowner insurance policy. Otherwise, look into getting a business owners insurance policy.

Of course, homeowners will have more questions about homeowner insurance particular to their own situations (including protection against the elements, possessions that are no longer in the home, contents of vehicles, etc.). When searching for a homeowner insurance policy, be sure to ask about coverage relevant and beneficial to your own situation.

Are Burglars Looking At Your Home?

A Personal Insurance Update

Your homeowner’s insurance may provide protection and help you recover from a loss.  However, it is very important to have the right kind of home insurance to cover these kinds of claims.  Call us for a free review.

Interesting Facts About Burglaries

Burglars do not travel far. The typical burglar lives within two miles of their victims.

Over 90 percent of burglars are male.

Dogs are not the same as a home security system.

95% of burglars are under the age of 25.

A large percent of burglars use an open door or window to enter your home.

Homes that have a security system are not as attractive to burglars.

What Can a Homeowner Do to Prevent Burglaries?

While nothing is 100% guaranteed there are measures you can take to reduce the likelihood of being a victim of a burglary.

Leave lights on when gone.

Have timers on outside lights.

Get a security system.

Never leave a door or window unlocked.

When traveling, do not post vacation pictures or information on social media until you return home.

Reduce landscaping around doors and windows.

Tell your neighbors to watch your home while you are on vacation.

Our agents have access to more carriers and more plans, and that means that they have more options – including multiple policy discounts and preferred premium pricing – to create the best possible combination of coverage to protect your family while lowering your costs.

Home Safety for the Holiday Traveler

Home Safety Tips

Many people will be traveling this holiday–in fact about 98 million according to travel experts.  After you have packed your bags and planned your itinerary, you still need to consider how to best protect your home while on vacation. But leaving home more often demands a dutiful travel safety checklist that includes precautionary measures to help keep your home safe and secure when you head out.

Remember to get a homeowner’s insurance checkup before you go.  We can help to make sure you have the best possible combination of coverage, price, and service.

If you are planning to vacation during the holidays, here are few thoughts to consider:

Get a security system.

Trim landscaping that is too close to your house.

Don’t advertise your vacation on social media.

Cancel mail and other deliveries.

Have a neighbor check on your home.

Always lock your garden sheds and garages.

Use a variable light timer to activate lights inside your home.

Lock all doors and windows.

Have adequate exterior lighting.

Never put your home address on your luggage tags. Write your phone number instead.

Set automatic timers to turn your lights and a radio on and off.

Happy Holidays!