Discounts...Are You Getting Them?

Discounts are the best way to save on your insurance premium each and every month. But a lot of people are missing out on them!  With a little documentation, you could see great savings.

• Security Discounts - Does your home have a security system or fire protection system? Some of these devices will help you save big on your home or renters insurance.  If you have a certificate of installation (and even if you don’t), let us know and we’ll see if you qualify.

• Driver Training & Defensive Driving - Did your child take Driver’s Ed?  Did you take a Defensive Driving course?  These classes will typically qualify for discounts!  Just bring in a copy of your completion certificate and we’ll get it added to your policy.

• Teenage Driver With Good Grades - Good grades will help you save!  Some of our policies offer a discount for students who maintain a high GPA.  Give us a call to see the requirements for your policy.

• Payment Discounts - There are many different options when it comes to paying your premiums.  Some policies offer discounts for paying in full or a reduced installment fee if you put the payment on auto-draft.  We can advise you of all the payment options so you pay as little as possible.

• Multi-Policy Discounts - When you have all of your insurance in one place, you save more!  If your auto and home insurance is spread out between multiple companies or agencies, let us help you consolidate.  You’ll be better protected (with less gaps in coverage) and save money!

The key?  Talk to your agent!  When we schedule regular annual reviews, we can review your policy discounts and make sure you are receiving the best coverage at the best price.  Call today to schedule an appointment.

Are You Prepared For a Flood?

March is the time of year when we talk about severe weather.  That can mean hail, tornados, and even floods!

Flood safety is extremely important. That’s why it’s a good idea to review these basic flood safety tips, provided by Ready.gov, with your children every year.

If a flood is likely in your area, you should:

·         Listen to the radio or television for information.

·         Be aware that flash flooding can occur. If there is any possibility of a flash flood, move immediately to higher ground. Do not wait for instructions to move.

·         Be aware of stream, drainage channels, canyons and other areas known to flood suddenly. Flash floods can occur in these areas with or without typical warnings such as rain clouds or heavy rain.

If you need to evacuate:

·         Turn off utilities at the main switches or valves if instructed to do so. Disconnect electrical appliances. Do not touch electrical equipment if you are wet or standing in water.

If you have to leave your home, remember these evacuation tips:

·         Do not walk through moving water. Six inches of moving water can make you fall. If you have to walk in water, walk where the water is not moving. Use a stick to check the firmness of the ground in front of you.

·         Do not drive into flooded areas. If floodwaters rise around your car, abandon the car and move to higher ground, when water is not moivng or not more than a few inches deep. You and the vehicle can be swept away quickly.  If your vehicle is trapped in rapidly moving water, stay in the vehicle. If the water is rising inside the vehicle, seek refuge on the roof.

·         Do not camp or park your vehicle along streams, rivers or creeks, particularly during threatening conditions.

With a little bit of preparation, you can keep your family safe!  Review these tips for flood safety and contact us if you have questions about flood insurance coverage.

March Home Maintenance Tips

What do you need to do this month to keep your home running smoothly and your family protected?  Read below to find out!

• Change Batteries In Smoke Detectors - When the time changes, it’s a great idea to change the batteries in all smoke and carbon monoxide detectors.  This way you always know that they are working and in good order!  The spring time change this year is on Sunday March 8th.   

• Make A Severe Weather Plan - Designate a safe place in your home in case of bad weather.  Stock it with basic emergency supplies and throw in an extra flashlight and batteries too!Check Your Credit Report - March is Credit Education Month.  When was the last time you checked to see that your credit reports were accurate?  If it’s been over a year, stop by www.annualcreditreport.com and order a free copy today. 

• Review Your Insurance Discounts - Are you getting all the discounts you qualify for? Call us to review your policy and see if there are any changes that need to be made.

And as always, give us a call if you have any questions or need assistance with auto,

home, business, or life insurance.