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Monday, April 13, 2015

Come Sail Away --- and Be Safe On The Boat!!!

The weather is beautiful!  It's time to jump in the boat for a nice leisure ride, and maybe some fishing and skiing.  But wait --- let's first do a brief safety check!


Checklist for important equipment to have on board:
+Fire Extinguisher - and be sure you know how to use it!
  Remember the P-A-S-S WordIn the heat of the moment you won't have time to read directions
  1. Pull the pin at the top of the cylinder
  2. Aim the nozzle at the base of the fire
  3. Squeeze or press the handle
  4. Sweep the contents from side to side at the base of the fire until it goes out
+Flares/Distress Signal Devices
Federal requirements are as follows- you should also check the State laws
For boats under 16’ in length: Distress signals are only required when operating between sunset and sunrise. If operating at night, one electric distress light or three combination day/night red flares are required.
For boats 16’ in length or greater: One orange distress flag and one electric distress light –or- three handheld or floating orange smoke signals and one electric distress light –or- three combination day/night red flares; handheld, meteor or parachute type.


+Flotation Devices for Everyone on Board
  • There must be at least one life jacket for each person aboard
  • Life jackets must be properly sized for each person aboard
  • Throwable devices must be immediately available for use


  • +Marine Communications
    . Cell phones may not have sufficient range
    . VHF Radio is preferred for Distress Calling and NOAA Weather Broadcasts (use Channel 16 or 9 for hailing another vessel)


    +Drinking and Boating Don't Mix


    +Good insurance protects you, your boat, and your passengers
    -Check with your Trusted Choice insurance agents on a customized and cost-effective solution for your insurance needs and your peace of mind


    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  @progressive



    Monday, April 6, 2015

    Protecting Teenage Drivers from Themselves!

    Our most precious possession is our children, and nothing in scarier than when our babies start driving!!! What advice can we give to better prepare and protect a young driver?

    + DRIVE DURING THE DAY LIGHT HOURS  - the crash rate for teenage drivers is three times = higher after 9pm
    + USE SEAT BELTS - over 50% of teens involved in fatal crashes are not wearing seat belts
    + STAY FOCUSED AND DRIVE ALONE - fatal crashes are almost 4 times higher when teens carry passengers
    + BE CAUTIOUS AT ALL TIMES - inexperienced drivers have more accidents related to speeding, tailgating, not paying attention to traffic signals, making dangerous turns or passing, and not being aware of pedestrians. 
    + KEEP CLEAN - drugs and alcohol detrimentally impair your ability to drive well
    + GOOD GRADES AND A CLEAN DRIVING RECORD REDUCE THE COST OF INSURANCE another good reason to do well in school and practice safe driving habits!
    + PUT THE PHONE AWAY!!  no texting or social media or even talking while driving --- lives can be lost in a split second

    The insurance rates for young drivers are higher because of the tendency for young people to have bad driving records.  As a teen gains driving experience and proves their maturity and sense of responsibility, their rates will get much lower after age 25.


    In addition, the safer vehicles on the road cost less to insure.  As you and your young driver begin shopping for a vehicle, a good idea would be to talk to your local Trusted Choice Agent to get quotes on the different vehicles to check the rates.


    Trusted Choice shared a good graphic:Protect Your Teen With Car 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 #savemoney  @progressive

    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