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A DUI charge can have serious consequences. For one, driving under the influence makes you a danger to yourself, your passengers, and others on the road. Each state has different laws and penalties, but in most cases your license will be suspended, you’ll have to pay large fees and fines, and you may even spend time in jail. Your car insurance premiums may also go up by a huge percentage, depending on your state. Police are more vigilant in looking for intoxicated drivers around holidays, so in light of the upcoming Labor Day weekend, here are some tips on how to have a safe holiday weekend.

Most Importantly: Don’t Drink and Drive

This is the simplest way to avoid a DUI. There is always a risk when you drink alcohol and drive, even if you are smart about it. You can keep yourself and others safe by avoiding the practice completely. One way of doing this is to simply not drink when you know you’ll need to drive a vehicle later or to use a designated driver. Everyone appreciates a designated driver (DD), and with your friends or partner you can take turns acting as the DD so no one has to do it all the time. You can also use a diver service app, taxi, or call someone to come pick you up. A little expense, or owing someone a favor, is worth it in the long run if you’re able to stay safe. 

If You Do, Be Smart About It 

Three things are the most important when you drink alcohol and know you will be driving later. 

First: Hydration

Before you begin drinking, hydrate yourself by drinking several glasses of water. Also drink a glass of water in between every drink you have. One bonus of doing this is that you’ll end up spending less money on expensive drinks!

Second: Food

It is incredibly important to eat enough food before you drink alcohol. Consuming a full meal, especially one that contains protein and fats. It should be noted that after you begin drinking alcohol, eating food will not “absorb” the alcohol like many people believe it will. Only the food that is already in your stomach will slow down the rate that the alcohol enters your system. 

Third: Number of Drinks

Limit yourself to a small number of drinks. This number will change depending on your weight, age, and gender. There are methods and apps that you can use to estimate what your blood alcohol content may be. 

The Bottom Line 

The only thing that will, without fail, keep you from getting a DUI is to not drink and drive. This is especially important on a holiday weekend, where DUI patrols are increased. If you do partake, be responsible about it. It’s possible to enjoy your holiday weekend and still stay safe and DUI free. 

With colleges starting back up, maybe you have a child returning to school or leaving for the first time. You’ve got the twin XL sheets, the posters and the textbooks. Did you know that you also might need insurance for your college student?

Auto Insurance

If you already have auto insurance for your child’s car (and you should!), don’t cancel it if they are not taking their vehicle to college with them. There is a chance your auto insurance premiums could actually drop significantly if your child moves more than 100 miles from home. Most importantly, your child will still be covered when they return home and drive their vehicle. If they do take their vehicle off to college, thankfully they should still be covered under your policy. However your premiums may change depending on where your child is living during college – especially if they go out of state.

Renters Insurance 

The good news is that if your child will be living in on-campus dorms or other university sponsored housing, their possessions should remain covered under your homeowners insurance. It’s important to note that the coverage limits may be different, so be sure to thoroughly discuss everything with your insurance agent before your child leaves.

If your child will be living off-campus, their possessions will no longer be covered under your homeowners policy, and you will need to purchase a separate renters insurance policy to cover their items. A renters policy can protect your child’s expensive electronics such as a laptop or TV as well as other high value items like musical equipment or instruments. Like your homeowners insurance, your child’s renters policy also covers their insured possessions whether they’re inside your child’s living quarters or not.

Health Insurance

Although your child is eligible to remain on your own health insurance plan until they turn 26, there are still some things to consider when they leave for college. If your child will be living out of state during the school season and is not willing or able to return home for doctors’ visits, they may struggle with finding in-network providers. With the exception of emergencies, many health policies offer limited or no coverage for out of network providers. Before you make any moves, check with your child’s school to see if there are any in-network providers close to campus.

If there are not, you have two options. First, you can have your child knock out all necessary medical appointments before leaving for school and schedule future appointments to coincide with breaks. If you do want the peace of mind that good coverage offers, look into supplementing your child’s health coverage with a student health insurance policy. Coverage may also be available through their college or your child could purchase their own coverage in the health insurance market.

Sending your child off to college is an exciting time, whether they are a freshman or a fifth-year senior. Make sure your student has all the protection they need by utilizing the right insurance tools.

You purchase homeowners insurance to protect your greatest investment against damages that are out of your control. Most often, this means emergencies or acts of nature – forces you cannot control. What can you control? How you maintain your own home. This is why homeowners insurance is unlikely to cover claims you make that turn out to be due to wear and tear.

What Constitutes Wear and Tear?

Wear and tear is generally considered to be gradual damage that happens to a home over time, as the years and the elements take their toll. In some situations, wear and tear is unavoidable as a home ages. However to most insurers, there are certain failures and property damage that can be avoided if a homeowner performs the proper routine maintenance to their home. Common instances of wear and tear include roof leaks, slow leaking pipes, and mechanical breakdowns of appliances, among others.

Why Isn’t Wear and Tear Covered?

When homeowners adopt an insurance policy on their home, it is understood that there is an agreement between the homeowner and the insurer. This agreement asks that the homeowner keep up with regular, expected maintenance and repairs on their home, and the insurance will be there if an unexpected loss occurs. The insurer expects the homeowner to prevent any negligence that could cause property damage. The wear and tear exclusions arise from an understanding of the basic responsibilities of all homeowners. The exclusions keep insurers from being liable in situations where the damage is actually due to the insured’s failure to repair, replace, or maintain the aspects of their property that need work.

How to Avoid Claims That Get Denied

As far as wear and tear goes, it is pretty simple: maintain your home and do not delay if you notice an issue. If you notice a leak, do not wait a few months to report it to your insurance agent. This is the first thing you should do, and in the event that it’s not covered, get right to fixing the issue. Do not wait to tackle anything that needs repairing or replacing. Small fixes can seem like a large financial burden in the moment, but in the event of a large scale failure, you could be left responsible for a large bill of repairs if your insurance claim is denied due to evidence of wear and tear. In the case of mechanical breakdowns of appliances, you would be better off seeking coverage through a home warranty rather than home insurance, which will often exclude these appliances from coverage.

Utilize Your Resources

Your agent is available to answer any of your questions or concerns regarding coverage on your home and property. Give us a call as soon as possible if you notice a concern in your home!

If you go unprotected, the death of your company’s leader could well mean the death of your company itself. There is a type of insurance that can help protect against the consequences of a tragedy like this. It is called key person insurance.

Key Person Insurance

Key person insurance is a type of life insurance that is designed not to protect your family, but to protect your business operation in the event of its leader’s – or a top employee’s – death. The company is the beneficiary on the policy, and the benefits can provide funds to help hire an individual or individuals to perform the duties that the key employee once did. It can also help in the event that your business does need to cease operations.

Crucial Operations Stop

Especially in small businesses, much of the work that keeps the company running is performed by the owner or another leader. This includes tasks such as keeping the books, payroll, handling important accounts or customers, and more. If your business leader were to die suddenly, there might not be anyone who can step in to perform these duties. As the owner or leader, the individual often does the job of several people. For that reason, the remaining employees may feel the need to hire several new people to perform the jobs that the business owner used to do. But where will you find the funds for this? That is where the benefits from the key person policy come in.

Your Business Closes

The business could also face closure after its leader dies. Sometimes this is unavoidable. If your business relied heavily on the work of it leader, and the leader not only did things no one else could, but also knew information no one else did, it is possible that your best option is to close the business. In these situations, the death benefits from the key person insurance can be used to pay off debts, give severance to employees, and perform any other financial matters that are needed to close the company. This kind of policy can help your business to avoid declaring bankruptcy in the face of a sudden key person death.

If you care about your business, you want to make sure it either goes on after you or is able to close down with minimal losses. Speak to your agent about whether your business has the coverage it needs.

At first, it may seem like all that money you put into retirement savings over the years is pointless. However, in actuality, you will be thanking yourself for setting aside so much money once the time comes. Take a look at what you can look forward to after saving for retirement for so long.

Savings For: Travel & Vacation

Now that you have so many hours in the day to fill up, why not spend it going to places you’ve always wanted to see? Instead of daydreaming about paradise, you can actually go visit it with all the money you have saved up in your retirement plans! Retirement is the perfect time to see the world and all it has to offer. You may be surprised what you find out there. And with the right amount in your 401(k) or IRA plans, you can even make a vacation out of your adventure. You don’t have to worry about taking a personal day when you can have as many as you want to do whatever you want!

Savings For: A New Hobby

Have you ever wanted to take cooking classes? Or maybe even dancing classes? You may not have had time for hobbies in the past, or money, but now you do! Enjoy the things in life you couldn’t before by putting your savings to use the way you want. There is no better time to do this than during retirement.

Savings For: Your Loved Ones

When saving for retirement, you are not just trying to put aside money to spend on things you couldn’t afford before. You are also ensuring time with your loved ones. By saving enough money to enter retirement through various plans, you can spend your free time with your loved ones and bond like never before instead of focusing on work. You have worked so hard to ensure they have a good and happy life. Now you can be a part of it too.

Savings For: Volunteer Services

Volunteering is a great way to help those in need, but it can be difficult when you have to take care of yourself first. However, with your savings on your side, you don’t have to worry. Instead, you can spend your time volunteering without worrying about the fact that you do not make money profit because you know you are safe and secure with your retirement plans. Instead of constantly working to make ends meet, you can work the way you want by helping others.

Savings For: A Better Future

Many people look forward to retirement because it provides a time that is dedicated to the things you want. You can finally live happily after all the work you’ve put in. Without saving or investing in an insurance plan, your retirement may not be a fun time filled with all the opportunities listed above. Enjoy retirement by having our agency go over with you the best options for your retirement plan so your future is filled with joy. 

As long as you own a home, homeowners insurance doesn’t go away. What’s worse is that insurance premiums have the tendency to increase over the years. Whether you are shopping for homeowners insurance for your first home or looking to decrease your premiums for your current home, here are a few tips to help you make your insurance more affordable.

Improve Your Home Security

By decreasing vulnerabilities in your home, you can potentially cut your insurance premiums by as much as 15-25 percent. Methods of improving your home security can include adding a smoke detector, burglar alarm, dead-bolt locks, sprinkler system, and professionally installed storm shutters and doors. With these added safety measures in place, your house is less likely to receive damage from unforeseen instances such as storms, floods, fire, or burglary. If you do make these safety upgrades to your home, keep a record of your receipts in case your provider wants proof before lowering your premium.

Know Your Location

If you haven’t bought your home yet, check the CLUE (Comprehensive Loss Underwriting Exchange) report of the home you are interested in. These reports will be able to tell you the property’s insurance claim history so you can be familiar with any problems the house has had.

Increase Your Deductible

A deductible is the amount of risk you agree to accept before the insurance company starts paying on a claim. The higher your deductible, the more money you can save on your insurance premiums. You could save up to 25% on your premiums simply by doubling your deductible.

Bundle Your Home and Auto Policies

If you already have auto insurance, consider either purchasing your home insurance with the same provider or moving your auto insurance to your new home insurance provider. More often than not, you can save a lot of money on your premiums by bundling the two with the same provider. In fact, bundling can save you anywhere from 5 to 15 percent on your monthly payment.

Determine if Loyalty Matters

Insurance providers typically reward their loyal customers by offering policy discounts. Some insurers will reduce your premiums by 5 percent if you stay with them for three to five years and by 10 percent if you remain a policyholder for six years or more. However, while loyalty has its benefits, some providers offer cheaper discounts to new clients who switch over to their agency.
Make sure you do not ignore such opportunities by occasionally checking your price with other policies that could potentially be cheaper from the beginning.

Don’t Buy What You Don’t Need

This might sound obvious, but don’t have insurance for things you don’t need to cover. For example, if you aren’t in a flood zone, flood insurance may not be the best option for you. Or, if you don’t have any expensive jewelry, you shouldn’t need a jewelry policy. So unless you have a good reason for having a type of insurance, you probably shouldn’t have it. With that being said, it would also be a good idea to reevaluate your coverage each year to make sure your policies are relevant to your current lifestyle. Having one that is unneeded will only make you spend unnecessary money that could be used elsewhere.

Shop Around

Odds are that you aren’t going to pick the cheapest insurance provider with your first choice. In order to make sure you don’t pay more than necessary, shop around either before purchasing home insurance or before renewing your current policy. Ask your friends who they are covered through and check consumer guides to be sure you get the lowest rates that fit your current situation.

To be sure you get the lowest premiums on your homeowners insurance, contact our agency today. We’ll do the shopping for you to get you the best coverage at the best price, whether it’s your first time or you need a readjustment upon renewal time.

So, your teen is ready to get their license. It’s an exciting time for them! And maybe for you too, although you may have a number of concerns when it comes to adding a less experienced driver to your insurance plan. There’s the matter of their safety, whether or not they will break certain rules and restrictions on the road, as well as how they will affect your car insurance rates.

Keeping a teenage driver covered under an insurance plan can be extremely expensive, but going without insurance is not an option. While adding a teen driver may be pricey and stressful, there are many ways to lessen the cost. Below are just a few ways you can keep costs down while sending your new driver out on the road.

Mentor by Practicing Good Driving Habits Yourself

If you’re not practicing good driving habits yourself, how can you be your teen’s best mentor? To avoid additional costs, you’ll want to do everything in your power to help them avoid an accident. Have your teen strictly follow safety practices when driving such as putting their phone away, limiting distractions, and buckling up. Make sure they know and follow basic rules of the road every time they drive with you, and hold yourself accountable as well.

Increase Your Liability Coverage

You’ll probably want to increase your liability coverage before your teen even gets behind the wheel. The car they will be driving is in your name, so that means YOU are liable for whatever happens when they’re on the road. Because they are just learning to drive, you’ll definitely want to make sure you have the right coverage plan in case you are held accountable for something you did not do. While you probably do not wish to add an additional amount to your bills, liability will literally save you should a bad accident and subsequent lawsuits occur.

Have Them Drive an Older or Used Car

Because teenage drivers are at a greater risk of getting in an accident, it would be wise to have them drive an older or used car. The car shouldn’t be so old that it’s not up-to-date regarding safety, but having them drive in a well-running vehicle that’s a bit older could save you a great deal of money in the future. These cars are much less expensive to repair should damage occur to them.

Enroll in a Driver Tracking Program

Today, a number of insurance companies provide small devices that monitor driving habits and patterns. These trackers can tell how fast you’re going, the distance at which you break, and other important factors that can give your teen insight as to how they are regularly driving. With this type of information feedback, teens should be able to recognize where their driving could use improvement. Once your teen begins implementing better driving habits, you may see your monthly rates gradually decrease.

Ask About a Distant Driver Discount

When the time comes for your teen to head off to college, they may not take a vehicle with them. Less than half of teenage drivers head off to college with a car in tow. If your child falls into this category, you may be able to get a discount during the time they are away and not driving. In many instances, they don’t have to be very far from home to qualify for a distant driver discount. Check with your insurance provider to see if your teenage driver qualifies you for this type of discount today.

As soon as your teenager begins to think about driving, you’ll want to inform your insurance agency so that your son or daughter can be added to your current plan. This way, they will be covered throughout the experience of learning this important life skill. Make sure they are under the right car insurance plan by having them covered with our agency. To get started, give us a call and let us insure you for all of your major life moments.