Teens and young adults often face hefty auto insurance premiums because, statistically, they are more likely to get into car accidents. The Department of Motor Vehicles reports that the crash rate for those between the ages of 16-19 is 2.7 times greater than that of the average driver. However, most carriers offer a simple solution to combat this financial burden—offering a good student discount.
The good student discount is an auto insurance discount provided by carriers that...
READ MORE
The weather can change quickly during the summer months, sometimes catching outdoor workers off guard posing a serious threat to their safety. When working outdoors, make sure you have access to severe weather alerts, and know what—and what not—to do if severe weather strikes.
If a severe thunderstorm warning cautions against straight-line winds, seek shelter immediately, preferably in a building and away from windows.
Do not use electrical appliances.
Be aware that...
READ MORE
You may be considering renting out your home for extra income while you’re away for an extended period of time. Though this seems like an ideal solution for families with extra room to spare, it can pose liabilities. Take the following considerations to heart in order to protect your home.
Disasters like hurricanes, tornadoes, floods and earthquakes can strike with little or no warning. To assure that you and your family are prepared, there’s no time like the present to create emergency kits: one for use if you need to evacuate your home and one for use if you get trapped in your home for several days.
To help you evacuate quickly, keep the following items in an emergency backpack...
READ MORE
When it comes to money matters, no one likes to be surprised by the feeling that they’ve been shortchanged. That’s why it’s important that you understand how your insurance policy responds to potential personal property losses.
When insuring your personal possessions on your homeowners or renters insurance policy, you have one of two coverage options: insuring for your property’s actual cash value or the cost to replace it. Find out the difference and why we recommend replacement cost...
READ MORE
While it’s difficult to pinpoint the monetary consequences of the risks you and your family take each day, are you certain your current liability insurance offers you enough protection?
If you are found to be legally responsible for injuring someone or damaging their property without a personal umbrella liability insurance policy, anything beyond the limits of your standard liability insurance coverage will...
READ MORE
Your car’s tires are one of the keys to safe driving, particularly when roads are slick, icy or snowy. Before any wintry weather descents, it’s a good idea to check your tires. We love this infographic from Fix.com – it offers tips for checking your tires for proper inflation and signs of deterioration.
We also point you to a few prior posts on our blog that talk about different aspects of tire safety:
1. Know your state law: Child Passenger Safety Laws
2. Get the right seat for your child and your vehicle. Learn more about the four Car Seat Types. Make sure...
READ MORE
Don’t let last week’s snow fool you – it’s just about time to take that motorcycle out of mothballs and get it on the road. But first, before you do anything else, check to be sure that you have motorcycle insurance to protect that investment.
The Insurance Information Institute (III) offers the lowdown on motorcycle insurance...
READ MORE
