The Real Scoop

Many people may believe that as an insurance agent we would get a great deal on our own policy, or that we may have the inside scoop.  Well the real scoop, the big secret is that agents know about and take advantage of all the discounts they possibly can while not skimping on the level of protection.  One such discount is the progressive Snapshot program.

Our family bought a new car a few months ago, after being a one-vehicle family for a couple of years.  We knew the addition would increase our monthly premium.  After the endorsement was processed, our premium was about $50 per month higher.  However, the addition of a second car allowed the gas-guzzling truck to sit at the house most of the time with my wife Lisa and the Toddler Bazinga.  Fewer miles on the truck made it an ideal candidate for this Snapshot program.

We installed the Snapshot gadget in the truck and left it there for two weeks.  During that time, Progressive monitored how well and how frequently we drove the truck.  Then we got the initial Snapshot discount, which saved us around $20 per month.  We were asked to keep the gadget installed for a while longer.  Last week we got our renewal information, which showed the full, locked-in discount.  Our monthly premium is an additional $30 lower, which makes our payments lower than they were when we only had one vehicle!

This isn’t an agent-exclusive, by the way.  If your commute is less than ten miles one-way, your car is less than ten years old, and you don’t slam on your brakes, then the Snapshot program may be for you.  Call us today at 903-892-8068 for an estimate.

The 100 Deadliest Days for Teen Drivers

From USAToday:

For young drivers, May marks the beginning of the season of high peril. It’s prom and graduation time, when many teenaged drivers ask for and receive expanded driving privileges. And it’s the cusp of summer vacation, when the stakes are extremely high for young drivers.

That’s why the period between Memorial Day and Labor Day has been dubbed by auto club AAA and Volvo as “The 100 Deadliest Days” for teen drivers.

Seven of the 10 deadliest days of the year for teens fall between those holidays, according to AAA. July and August are the deadliest months for 16- and 17-year-old drivers, according to the AAA Foundation for Traffic Safety.

Is Your Drinking Water Safe?

Unlike many parts of the world, we live in a country where, thankfully, the water supply that comes out of the faucet is safe to drink. But even here, water quality varies both in terms of taste and harmful substances.  If you have a well, you’ll already know the importance of testing for and removing impurities (or drinking bottled water). With mains supplies, water companies regularly test their product but that doesn’t stop the occasional contamination.

Water companies are usually obliged by law to publish the results of their tests but you may
also want to be sure that what they find at their testing points is matched by the same quality in your kitchen.  There are plenty of good testing kits available for $10 to $15 that will identify bacteria, lead, pesticides and nitrates, as well as concentrations of harmless contents that create flavors.

Concerns about drinking water quality usually raise the question of whether it’s just simpler and safer to drink the bottled stuff. The answer, as usual, is … it depends. For example, where
and how it’s stored is important.  The US Environmental Protection Agency offers guidance on both ground water and bottled water at http://tinyurl.com/water-qual

Create a Home Inventory BEFORE You Have a Claim

Close your eyes and picture your living room.  You probably have a couch, a chair, a table, and a television.  Now open your eyes and look at all the stuff that you didn’t think about.  Curtains, lamps,  your CD collection – those are all claimable as personal property in the event of a loss.  If you can’t remember all the stuff you have right now, do you really think you’ll be able to remember it all when you’re dealing with the aftermath of a tornado or break-in?

Fortunately, we have a solution for you.  Print out this home inventory form and fill it out.  For electronics and appliances, write down the model & serial number if you have quick access to that information.  If you can’t remember how much an item cost, make your best guess.  Failing that, search for the item on the internet and find out what it would cost to replace it.  If you have any special collections, open up Word and start a list of each item.

Don’t have time to fill out a form?  Take out your handy-dandy smartphone and fire up the camera app.  Take a couple of photos of each room in your house.  Take extra photos of any collections.

Once you’ve completed your lists, or taken your photos, store them in a safe place off-site.  Contact your insurance agent and see if they can keep a copy in your file.

Taking a few moments now to catalog your belongings can save you a lot of time and hassle in the event that you have a claim.  Questions?  Call Moses Hejny at 903-892-8068.