Google+ Profile

.

Monday, March 30, 2015

Top Ways to Save Money on Your New Car, on Your Car Insurance, and How to Keep On Saving!

We all love to get a new car!  The smell, the feel, the shiny paint and clean glass!! Wow!!  But then comes the "hidden cost" - insurance, parts, maintenance, gas, more.


Your Trusted Choice Advisor can help you SAVE MONEY ON INSURANCE! 


Here are the TOP WAYS TO SAVE WHEN YOU BUY A CAR:
+ Compare the cost of insurance for the vehicles you are considering to buy
+ Consider a car that is not frequently stolen, check with the National Highway Traffic Safety Administration
+ Choose a type that has less documented claims, like these:


  • Buick Rendezvous
  • Pontiac Solstice
  • Buick Terraza
  • Honda Odyssey
  • Mazda MX-5 Miata
  • Subaru Outback
  • Ford Five Hundred
  • Volvo V70
  • Chrysler Town & Country
  • Chevrolet Corvette Convertible


  • + Check out a hybrid - many insurance carriers provide discounts for hybrids
    + Look at cars with lower repair costs, check with Consumer Reports
    + Buy a vehicle with automatic daytime running lights that make you easier to see on the road


    TOP WAYS TO SAVE WHEN YOU BUY AUTO INSURANCE:
    + Check with your local Trusted Choice agent for multiple quotes
    + Bundle home and auto with the same insurance company for added savings
    + Pay for the full policy term instead of monthly installments to save
    + Save your insurance for big claims - take care of the little things yourself so you have less "dings" on your record from turning in a number of small dollar claims
    + Bump up comprehensive and collision deductibles
    + Review your coverage to be certain you have the correct vehicles and drivers listed


    TOP WAYS TO KEEP ON SAVING
    + Most insurance companies provide "good driver discounts" and "good student discounts"
    + Ask about "senior discounts" and credits for taking driver safety courses
    + Check into military and teacher discounts
    + Many companies are now offering "diminishing deductibles"
    + Continue being a safe driver with a good driving record
    + If you drive less, let your agent know so you can receive credit for a low mileage vehicle
    + Improve your credit record
    + Use the driver monitoring devices; they are not as creepy as they seem, and you use them for about 30 days and then take them out and send them back --- and you can save a bunch on your insurance!!


    Your Trusted Choice Insurance Agent, SouthGroup Insurance Gulf Coast wants you to know you can call on us with your questions or concerns seeking more helpful advice or answers to your pressing insurance questions. A full insurance review is always your best bet to make sure you have all of the adequate coverage for your personal insurance needs. Remember, we offer a personalized insurance review to anyone who is interested at no charge – just visit any one of our 3 convenient coastal locations!

    We are your LOCAL
    Trusted Choice Advisors, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com
    ,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: info@southgropugulfcoast.com , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !

    We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states.

    Insurance is stressful, but we make saving easy.  We help you save money on insurance!

    #southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance #savemoney



    Monday, March 23, 2015

    Life Insurance is for Those You Leave Behind

    Wow!  Did you know that 40% of all Americans do not have any life insurance?  What would happen to your family if the major breadwinner was no longer earning money for the family?


    We are not promised tomorrow.  As harsh as that may sound, the younger you are when you sign up for life insurance, the lower the premium.  And if you wait until you have been diagnosed with a life threatening disease, you may not be able to be covered.


    No one plans to die, but you CAN plan to take care of your loved ones in the event you die.  Many people start thinking about coverage when they begin a family.  You want to have enough coverage to take care of your burial expenses and your annual income for several years, and the cost of education for your children.  There are several different types of coverage you can consider, and some of them offer a cash buildup that you can use for collateral on a loan if needed.


    Your Trusted Choice advisor can assist you with understanding all of the available options so that you can decide what coverage fits your personal situation.  AND DON'T WAIT!!!


    Your Trusted Choice Insurance Agent, SouthGroup Insurance Gulf Coast wants you to know you can call on us with your questions or concerns seeking more helpful advice or answers to your pressing insurance questions. A full insurance review is always your best bet to make sure you have all of the adequate coverage for your personal insurance needs. Remember, we offer a personalized insurance review to anyone who is interested at no charge – just visit any one of our 3 convenient coastal locations!

    We are your LOCAL
    Trusted Choice Advisors, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com
    ,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: info@southgropugulfcoast.com , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !

    We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states.

    Insurance is stressful, but we make saving easy.  We help you save money on insurance!

    #southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance #savemoney

    Monday, March 16, 2015

    Business Insurance Primer to Protect Your Livelihood

    Having the right Commercial Insurance is critical to protecting what you are working so hard to build.  Buying insurance out of a box or over the internet is like practicing law without an Attorney --- you can do it, but it will most likely turn out disastrous!


    There are so many risks faced by your business whether the business is large or small: 
      + Weather related damage
      + Fire or lightning or smoke
      + Cyber attacks or data loss
      + Employee issues

      + Fraud or embezzlement
      + Loss of income while your facility is being repaired
      + Liability related to your product or professional
      + Many many more


    You need to spend time with your Trusted Choice Agent to review the scope of your operations to make sure that you have the correct protection in place - it may be insurance, or it could be safety programs, or enhanced hiring procedures.  Your independent agent can review your industry, your operations, your exposures, and work with you to craft a customized solutions to your risks.  Then you can spend your time running your business and not have to worry!


    Your agent will help you identify potential problem areas within you:
       + Industry
       + Customers

       + Employees
       + Products/Services
       + Transportation

       + Building hazards
       + Data security
       + Officer/Directors



    No matter what industry you are in, your Trusted Choice Advisor can assist you in controlling your total cost of risk. 


    Your Trusted Choice Insurance Agent, SouthGroup Insurance Gulf Coast wants you to know you can call on us with your questions or concerns seeking more helpful advice or answers to your pressing insurance questions. A full insurance review is always your best bet to make sure you have all of the adequate coverage for your personal insurance needs. Remember, we offer a personalized insurance review to anyone who is interested at no charge – just visit any one of our 3 convenient coastal locations!

    We are your LOCAL
    Trusted Choice Advisors, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com
    ,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: info@southgropugulfcoast.com , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !

    We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states.

    Insurance is stressful, but we make saving easy.  We help you save money on insurance!

    #southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance #savemoney

    Monday, March 9, 2015

    Don't Break Into My Home, Dude!

    If you have ever had your home broken into, you know the feelings - shock, terror, anger, fear ... if you have good insurance, you can replace your stuff, but there are a number of actions you can take to better protect yourself and your property!  Trusted Choice published a blog on "How 9 Million Homeowners Could Have Prevented Property Crimes" https://www.trustedchoice.com/insurance-articles/home-family/prevent-property-crimes/


    Scary but true!  And some of the prevention steps are easy and make good sense -

    + Keep everything locked up - this includes doors and windows, fence gates, garages, sheds, and keep your tools picked up so that a thief cannot use them to break your windows and doors


    + Break down your trash - the big box that you put on the street curb proudly displays the name of the latest expensive electronic device that you have installed in your home --- and is an open invitation to thieves!  


    + Keep your landscape well maintained - big bushes and hedges near your home provide a hiding place for bad guys!  And sticker bushes under the windows could help too!


    + Let there be light! - lots of light could deter thieves.  Motion detector lights placed above the reach of a bad guy are a good idea.


    + Get a security alarm - you could also qualify for an insurance discount if you use a centrally monitored security service.  There are a number of reasonably priced monitored alarm systems available -- and be sure you post the sign in your yard and on your windows that your home is monitored. 


    Your Trusted Choice Insurance Agent, SouthGroup Insurance Gulf Coast wants you to know you can call on us with your questions or concerns seeking more helpful advice or answers to your pressing insurance questions. A full insurance review is always your best bet to make sure you have all of the adequate coverage for your personal insurance needs. Remember, we offer a personalized insurance review to anyone who is interested at no charge – just visit any one of our 3 convenient coastal locations!

    We are your LOCAL
    Trusted Choice Advisors, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com
    ,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: info@southgropugulfcoast.com , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !

    We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states.

    Insurance is stressful, but we make saving easy.  We help you save money on insurance!

    #southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance #savemoney

    Monday, March 2, 2015

    Dave Ramsey's Most Popular Money-Saving Tip

    I came across a blog that really made my day!  The Financial Guru Dave Ramsey published a Blog on his most popular money savings tip --- and that is to use an Independent Agent!


    We take our responsibility seriously -- because we provide the best insurance protection for the best cost, to educate our clients on how to make themselves more attractive to the Insurance Marketplace through pro-active risk management, which leads to our clients SAVING TIME AND MONEY.


    I love coming to work everyday, because I love helping people.  Insurance is a very complicated product, and you don't want to pay a cheap price for coverage that does not adequately protect you from life's daily risks.  The whole purpose of insurance is to provide you with a safety net to be able to get your life and possessions back in order after something financially devastating occurs.  Just as there are Cadillacs and Volkswagons, there are different levels of insurance that you can purchase, but you MUST be sure that the Insurance is truly protecting you - in the same way you want a car that will run and not leave you stranded on the side of the road in a storm!


    As independent Trusted Choice Agents, we work to understand the risk you face in your home or business, and we customize the appropriate level of coverage just for you - with the best carriers in the nation.  You should not have too much insurance or not enough insurance, but just like the Mama Bear always says >>>  You want your insurance to be JUST RIGHT!


    Please read Dave Ramsey's full Blog: http://www.daveramsey.com/blog/independent-insurance-agent-popular-money-saving-tip


     Here are some of the cool tips he shared to help you save money! Thanks Dave Ramsey!


    + An independent agent is a great money-saver because they are "not limited to a single provider's options"
    + The independent agent "doesn't have a dog in the hunt"; they will provide you with several options, and YOU get to decide what coverage you want
    + You can save BIG BUCKS changing to an Independent Agent --- and it doesn't cost you anything to obtain a cost estimate!


    Your Trusted Choice Insurance Agent, SouthGroup Insurance Gulf Coast wants you to know you can call on us with your questions or concerns seeking more helpful advice or answers to your pressing insurance questions. A full insurance review is always your best bet to make sure you have all of the adequate coverage for your personal insurance needs. Remember, we offer a personalized insurance review to anyone who is interested at no charge – just visit any one of our 3 convenient coastal locations!

    We are your LOCAL
    Trusted Choice Advisors, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com
    ,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: info@southgropugulfcoast.com , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !

    We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states.



    Insurance is stressful, but we make saving easy.  We help you save money on insurance!

    #southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance #savemoney #daveramsey

    Monday, February 23, 2015

    Protect your STUFF!! Be sure your have the right Insurance!

    You need homeowners insurance to protect yourself from devastating financial loss should something bad happen to your home. Your home is likely your greatest asset, but within your home your personal property is likely what you cherish most. Protecting your possessions from loss is financially and emotionally important. You must make sure that you have the right amount of coverage for your belongings, and the right type of coverage.
    How Much Personal Property Coverage Do You Need?
    When you purchase your home insurance policy, do not overlook the importance of properly protecting what is inside of your home with personal property insurance. The sheer number of items within your home and how much emotional value you place on many of them may make it seem very difficult to quantify exactly how valuable your personal property is. If you are faced with losing some of those cherished possessions to a fire or some other disaster, having the right amount of coverage for the contents of your home is probably the only way to affect how completely you can rebuild after a disaster.
    Homeowners insurance policies provide personal property coverage for loss or damage to your personal belongings including clothing, furniture, appliances and most other items in your home. This coverage gives you the ability to at least receive some financial reimbursement for those items that may seem irreplaceable. Most home insurance policies start coverage for personal property at approximately 50% to 70% of the amount of insurance you have on the structure of your home, and in many cases this may not be sufficient.
    Do you need more personal property coverage? The best way to determine this is to prepare a personal property inventory, or a detailed list of everything you own and how much each item would cost to replace.
    Insurance companies typically group like items into categories and assign coverage limits for those categories. For example, your homeowners insurance policy might limit jewelry coverage to $1,000 per piece of jewelry and $2,500 for all of the jewelry in the household. If you have a piece of jewelry that is worth $5,000, the basic coverage provided in your policy is inadequate.
    There are two ways to increase the coverage limits for your special, high-value possessions. First, you can increase the “special limits of liability” for the categories in which you have more valuable items. In the example above, it would be wise to increase the entire jewelry category limit from $2,500 to $5,000 or more. Most insurance companies will increase the limit on any category of covered items in $1,000 increments, but there will likely be a ceiling to which you can raise any category limit.
    If increasing the entire category limit is not the right way to get adequate coverage, you can use a scheduled personal property rider to increase the coverage limit on a certain item or items. This is also advantageous because these riders provide all-risk coverage, which means that the scheduled items are covered for all risks, not just the basic “covered perils” outlined in the main home insurance policy. In addition, scheduled personal property is typically not subject to the deductible that applies to all other losses.
    Replacement Cost Coverage vs. Actual Cash Value Coverage
    Like the dwelling coverage in your homeowners insurance policy, your personal property coverage can be based on your property’s actual cash value or replacement cost. Actual cash value policies pay to replace your possessions minus a deduction for depreciation. Replacement cost policies reimburse you for the actual cost of replacing the items with no deduction for depreciation. Replacement cost policies offer the best protection and ensure that you will be able to replace your possessions with similar ones at today’s process. This type of coverage generally costs about 10% more than actual cash value coverage, but is well worth the extra cost in the event of a loss.
    Do you have sufficient coverage for your personal property? Do you have a significant amount of valuables, or just a few valuable pieces of jewelry or art? Do you have a home full of cherished, beloved possessions? We can help you determine how to approach coverage for your personal property and ensure that you will be properly reimbursed if you have a loss. Call us today to understand more about the importance of having the right amount of personal property insurance.


    We are your LOCAL Trusted Choice Advisors, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com ,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: info@southgropugulfcoast.com , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !

    We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states.

    Insurance is stressful, but we make saving easy.  We help you save money on insurance!

    #southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel

    Monday, February 16, 2015

    SHOW ME YOUR INSURANCE - Ask for a Certificate of Insurance from EVERYONE who works on your property!

    There are always risks involved when a contractor or ANY worker works on another person’s property. Accidents happen and sometimes personal property is damage or someone is injured while performing the work. This even applies to your landscaper or tree trimmer or pool cleaner! Any time you or your company hires a contractor you want to be certain that you will not be held liable for injuries, damages or poor quality work. 








    Trust - but Verify!





    The easiest way to ensure you are not liable is to request to see a certificate of insurance. A certificate of insurance is a standardized document that provides evidence of insurance and liability coverage. It should always include the contractor’s coverage types and liability limits. This certificate also indicates that the policy is current and covers the days for which the work is to be done.

    Even if the terms of your agreement with the contractor or subcontractor clearly state that insurance coverage is mandatory, you could face a serious lawsuit if the other party failed to secure that insurance.

    Don’t trust past work as a replacement for the certificate of insurance. Even if you have worked with the contractor or subcontractor on numerous jobs in the past, you want to be sure they haven’t allowed their coverage to lapse. They may not even be aware of their loss in coverage. This certificate can protect both you and their business.

    Sometimes contractors present a falsified certificate of insurance. You can eliminate this type of fraud by requesting the business insurance certificate directly from the insurance company, which is always a good idea.

    Some businesses and individuals take an additional step in safeguarding the project by requiring a surety bond for the work. If the contractor cannot complete the job, the project owner can then tap into the surety bond to finish the project as necessary. Surety business bonds are a three-party agreement between the surety company supplying the bond, the project owner and the contractor.



    Some projects will require a surety bond and others may not. Many federal projects or those that cost a certain amount require surety bonds.

    Knowledgeable, independent insurance agents at SouthGroup are always available to answer any questions you may have about a certificate of insurance or surety bonds. These qualified agents have years of experience working with contractors and project owners to ensure work is finished on time and with as little risk exposure as possible. Contact a SouthGroup agent near you to find out more.

    We are your LOCAL Trusted Choice Advisors, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com ,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: info@southgropugulfcoast.com , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !

    We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states.

    Insurance is stressful, but we make saving easy.  We help you save money on insurance!

    #southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel