There Are Many Ways to Get Discounts on Your Auto Insurance

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There Are Many Ways to Get Discounts on Your Auto Insurance

An Auto Insurance Update

Everyone likes to get the best possible combination of price and coverage on their auto insurance.  For the most part, your auto insurance is based on your driving record and the type of vehicle insured.  There are a few things you can control when it comes to purchasing auto insurance.  Many insurers offer a variety of discounts that can affect your auto insurance premium savings.  Discounts may vary from insurer to insurer.

Good student discount. For teen drivers, this can save hundreds of dollars. Typically, if your student maintains an A or B average, the discount will apply.

Multi-policy discounts. Most insurance providers offer discounts to customers who carry more than one line of insurance with them.

Drivers education courses. Many insurers offer discount if drivers have taken driver’s education courses.

Military discount. Many insurers offer discounts for military service.

Equipment discounts. If your vehicle has special safety equipment, you may be eligible for discounts.

Call our office for more information on how these discounts may apply to your situation.

Holiday Shopping Safety

Personal Insurance and Safety Update

Halloween is over and that means we are in the middle of the holiday season.  During the next 60 days, we will all be busy shopping, eating out, and traveling.  Thieves know that the police are overloaded during the holiday season, and they take full advantage it.  Burglars know that there are many expensive items in homes and cars during the holidays.

Your home or renter’s insurance will provide coverage for theft or loss if you have the coverage. Now would be a good time to call us for a free personal insurance review. Whether you are holiday shopping at the mall, online, or a little of both, keeping yourself and your personal information safe is important.  Here are a few holiday shopping safety tips:

Holiday Shopping Safety

Always be aware of your surroundings.

Lock your shopping bags in your trunk.

Never allow children to make unaccompanied trips to the restroom.

Never leave car doors unlocked or windows open.

Always park in lighted areas. DO NOT park in remote areas.

Shop with a friend.

Teach your child to go to a store clerk and ask for help in case your child is separated from you.

Avoid wearing expensive jewelry.

Keep receipts in your wallet or purse.

Avoid carrying large amounts of cash.

As you return to your car, make sure to keep your car key in your hand.

 

Home Insurance Update

Home Insurance Update

Many homeowners have experienced premium increases. Our agency works very hard to bring our clients the best possible combination of premiums, coverage and service.

What Can We Do To Help?

We are an independent agency.  This allows us to search the market for the best possible combination of premiums, coverage and service. We compare insurance company’s rates and use the competitive market to your advantage. Here are some ways to save on your premiums:

Purchase all your insure through our agency

Ask us about additional discounts

Consider increasing your deductible

Keep your home well maintained

Replace your roof, water heater and other equipment when needed

Review your policy regularly- you may not need the same kind of coverage you did a few years ago

Remember to call our office today. We will work hard for you.

Little Known Home Hazards

A Homeowners Insurance Update

We all know how to keep our home safe from fires, burglars and other major homeowner’s risks. Your homeowner’s insurance covers many different kinds of losses. Cooking, candles, and smoking are the biggest causes of house fires in the United States. However, there are a few hazards around the home that many of us don’t think about.

9volt Batteries

9volt batteries can create fire when exposed to many kinds of metal. Keep 9volt batteries stored in a plastic container.

Smoke Alarms That Are Not Working

A large percentage of homes fires go un-noticed because of smoke alarms that don’t work. A working smoke alarm can be your best defense to notify you of a fire.

Dryers

Over 20% of home fires start as a result of poorly vented or dust filled dryer vents. Check your dryer vent every time you use your dryer.

Candles

Candles left unattended are also a major cause of home fires. If you use candles, make sure they are kept away from flammable items and blow out before you leave the room.

There Are Proven Ways To Reduce Your Auto Insurance Premiums

Auto Insurance

When it comes to purchasing auto insurance, having options can be a very important way to save money. Putting money back in your pocket is one of our primary goals.  We know and understand the auto insurance market.  This allows us to provide you with the best possible combination of pricing, coverage and service.

Auto insurance rates differ from company to company, so it really pays to have us shop your insurance. Some markets offer better rates for trucks, RV and campers, while others can offer better rates for motorcycles.

How to reduce your auto premium

There are many things you can do to keep your auto rates at the lowest level possible.

  1. Review your deductibles. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your Collision and Comprehensive costs by 15 to 20 percent.
  2. Encourage your student driver to get the best grades possible. Most major insurance companies offer a discount for students in good academic standing.
  3. Select a safe car. Check out which cars are popular with thieves and avoid them. Also, the more expensive the car, the higher the premiums.
  4. Be a safe driver. The more accidents and tickets you have, the higher the premiums will be.
  5. Purchase a car with an alarm or LoJack. LoJack® Stolen Vehicle Recovery System provides car owners with peace of mind knowing that if their vehicle is stolen, they have the best chance of getting it back.
  6. Be loyal. Many auto insurance companies offer loyalty discounts if you stay with them over time.
  7. Check for other auto insurance discounts. These might include taking safe driver courses, senior discounts and more.

What’s Under Your Roof?

A Home Insurance Review

Have you ever stopped to think about all the things that could cause damage to your home and personal property? Probably not, but we think about your personal insurance coverage every day. Your homeowner’s insurance is designed to protect you from claims that can come from many different events. We can design a homeowner’s insurance product that fits your individual needs. Here are a few of the kinds of events that can be covered under your roof.

Damage To Your Home Can Include

Fire and smoke damage

Lightning strikes

Falling objects

Explosion

Vandalism and malicious mischief

Theft

Windstorms and hail

The weight of ice, snow or sleet

Water damage

Damage from an aircraft, car or vehicle

What is Not Covered Under Your Roof

A standard homeowner’s insurance policy will not cover; earthquake, flood, wear and tear, damage from animals, mold, acts of war, government actions, tenant damage, defective work, plus others.

Personal Property

Your homeowner’s insurance can also cover your personal belonging. This might include; cloths, furniture, and other items.

Do You Have A Leak In Your Roof?

Do you have coverage for additional living expenses if you are required to move out of your home while it is being repaired? If you own guns, art, or other collections, you may need additional coverage. Is your expensive jewelry cover while away from your home? If you don’t know the answers to these questions, call us today.

Don’t Buy A Used Motorcycle Helmet

A motorcycle helmet is one of those essentials that will help save your life should you have an accident while riding your bike. This will protect your head from a damaging and even potentially fatal head injury. Motorcycle helmets are so important that state lawmakers have even included a directive in the state laws that orders all people riding the motorcycle to wear helmets.

Some people though do not understand the importance of this accessory. In fact, some people do not even like wearing it because it is too heavy and too suffocating. Others find it a killjoy not to be able to feel the wind on their faces when riding a motorbike.

Motorcycle helmets are not really that expensive, but they are also not cheap. Some who are not that well-informed will probably save all their money for the motorcycle leaving a really small budget for safety gears like the helmet. Some even buy used helmets instead of new ones. This, however, is one practice that should not be encouraged.

Using used helmets is extremely dangerous and impractical. Used helmets are actually worthless, and what is more, you cannot really tell whether they are damaged or not. You won’t even be able to tell if they are relatively new ones or not. This is because the helmet is made from a hard outer shell that envelops a layer of expanded polystyrene. You will never be able to tell if the expanded polystyrene is already compressed or not unless you cut the outer shell. An already compressed polystyrene layer will not protect you from an accident.

Another thing that you should consider is the fact that polystyrene becomes brittle as it ages. This is the reason why old helmets should be exchanged for new ones in a couple of years as it may not be able to absorb much of the impact when an accident does happen. The polystyrene layer is also easily damaged by the sun and by chemicals such as gas vapors.

Motor bikers who always place their helmet near the gas tank will also unknowingly damage the lining of the helmet. It is also not a good idea to always let the helmet sit under the heat of the sun. If you can, try to park your motorbike in areas that are shaded. Pointed objects may also compromise the lifespan of the helmet by piercing through the polystyrene layer inside.

Prom and Graduation Safety

This is the time of year when graduation parties and proms are in full swing. We congratulate all graduates on a job well done. High school is full of defining moments for Bay Area teens and two of the highlights for most are prom and graduation. We want your celebration to be a happy and safe one, so here are a few tips.

However, this time of year often sees other, more tragic defining moments – serious car accidents involving teens who are distracted or even under the influence of alcohol or drugs.

First, encourage your teen to follow these general safe-driving rules:

Absolutely no alcohol

Always use seat belts

No cell phone use (including texting) while driving

Special circumstances 

Of course, special events such as prom and graduation often present special circumstances. There may be dinner with dates before the dance and parties before or after either event. It’s a good idea to discuss your expectations well before each event, putting some guidelines into place before your teen heads out for the night. Here are some ideas:

Make sure you know the itinerary of the evening, as well as who else will be with your teen. You should have contact information for everyone.

Have a way to contact your teen at all times. You may want to require them to check in with you once or twice over the course of the evening.

Set a curfew, whether they are coming back to your home or staying with a friend. If they are staying elsewhere, make sure the curfew will be enforced by a responsible adult.

Discuss with your teen how to handle difficult situations, such as facing pressure to drink, or accepting a ride with someone who shouldn’t be driving. It’s a good idea to provide your child with money for a taxi just in case.

Offer a “no-questions-asked” ride home, should they need one during the evening.

If you’re worried about your teen driving, consider alternate transportation. A car service or limousine will provide a responsible, experienced adult driver. You also will be able to limit changes to the itinerary and contact the driver.

 

 

 

You May Have More Risk Than You Think

Most Americans have risks associated with their wealth and need the right insurance to manage that risk

When we think of high net worth people, most of us tend to think of CEO’s, athletes, or celebrities.  However, what we fail to realize, is that you do not have to be a CEO to have personal risks.  In 2017, over 3 million people increased their net worth to over a million dollars.  Even if your net worth is well under a million dollars, you have considerable personal risks.  We can help you manage all your personal risks.

Do you own a boat, motorcycle, or other recreational toy? If so, you need to make sure these assets are covered correctly.  We would also recommend a personal umbrella policy to cover your increased risk of injury to third parties.

Smart technology. Almost everyone is getting smart cars or homes. This could include a smart watch, video systems in your home, the Nest thermostat and more. All these items should be insured, and you will want to talk to our team about these.

Vacation homes or condominiums. According to the National Association of Realtors, 46% of vacation homes purchased in 2015 were in the South and 25% in the West, both of these areas are hotbeds for wildfire activity.

Jewelry, guns, and other collections. If you have a gun collection or expensive jewelry, you will need to have these insured separately.

What Is the Difference Between Homeowner’s Insurance and a Home Warranty?

Home warranties are offered by many companies, mostly during the selling process. Typically, there are two types of home warranties that people will purchase for their homes.  The first one covers any major systems or repairs for the first year, and the second is an annual renewal type contract which continues to keep the coverage active. See more

Homeowner’s Insurance

This is an insurance policy to protect your home and personal property from damages as result of a fire, wind, storm, or some other act of God or covered activity.

Home Warranty

A home warranty, on the other hand, is optional and typically covers the costs for repair or replacement of the electrical, plumbing and HVAC systems as well as major appliances like the refrigerator or oven.

Home warranty protection usually offers repair or replacement of a specific item for a specific period of time.

Even if you secure a home warranty policy, we recommend that you also have a homeowner’s insurance policy, as there are limitations in home warranty products.  If you have a mortgage, homeowner’s insurance is generally required by your mortgage company.