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Tuesday, July 22, 2014

4 Tips for Purchasing Business Insurance


Insurance is complicated. As a business owner, you have enough on your plate running your business —  insurance should be one less worry.  

  1.  Understand Your Risk – Each industry is unique and has it’s own set of risk exposures.  Once  you consider where something can go wrong – injury, loss of income, theft, fraud, etc., then you can begin to determine how to protect your business from the exposure.  There are several ways to minimize or eliminate the risk factors.  Then you can implement strategies such as safety programs, employee training, and insurance solutions.  Your Trusted Choice Agent can assist you with your risk assessment and provide you with options for protecting yourself and your business. 
  2. Consider a Business Owner’s Policy.  For a smaller business, a property/liability/auto/business interruption combination policy may be a cost-effective solution for tailoring coverages to your business.  A separate policy may be required for unique risks.
  3. Find a Reputable Licensed Agent who can shop around for you.  A Trusted Choice Agent will help you identify your risk exposures and offer personalized coverages for you to consider.  Finding a good Insurance Agent is as important as finding a good Accountant or Lawyer. Choosing an inexperienced Insurance Advisor could cost you in the long run.
  4. Assess Your Coverages at Least Annually.  As your business grows, your insurance needs may change.  Keep your Trusted Choice Agent informed on operational changes so that you may be well protected.  Many policies are calculated  based on estimated sales or staffing.  If you have a great year, and your sales sky-rocket, so will the cost of your insurance.  Be sure you review your sales and staffing quarterly and let you Agent know of any significant changes, so that you can avoid a major surprise at the end of the policy term.

The Small Business Administration has some helpful information at http://www.sba.gov/content/buying-insurance, and Price Waterhouse has a good paper on Risk Assessment: http://www.pwc.com/en_us/us/issues/enterprise-risk-management/assets/risk_assessment_guide.pdf   Another good resource is at ready.gov: http://www.ready.gov/risk-assessment

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, Michael Reso, 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: azeringue@southgroup.net , 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

Monday, June 30, 2014

BANG!! Be safe with those fireworks! Safety tips for you and yours

SNAP CRACKLE POP!!!!! POP POP!!  It's 4th of July!  Since the days of John Adams, even before our Declaration of Independence was signed, the idea of celebrating with "illuminations from one end of this continent to the other from this time forward forever more" has been our goal.  4th of July is a joyous family time with BBQ, Ice Cream, swimming, games, and fireworks "red glare".


The Consumer Product Safety Commission reminds us that fireworks can cause serious burns and injuries.  No one wants to spend their "family day" in the hospital!  So please be safe!




The National Council on Fireworks Safety offers some good and common sense safety tips for using consumer fireworks that should be heeded.
  • Closely supervise children and teens if they are using fireworks.
  • Do not allow young children to handle or use fireworks.
  • Only use Fireworks outdoors.
  • Have water ready to douse any fires.
  • Read the caution label on your fireworks before lighting them.
  • Obey local laws. Fireworks may be illegal where you live..
  • Don't drink and light fireworks at the same time --- this is a bad mixture!
  • Wear safety glasses.
  • Only light one firework at a time.
  • Never relight a “dud” firework.  Soak it in a bucket of water to be sure it is truly extinguished.
  • Never use homemade fireworks!
  • Report illegal explosives, like M-80s and quarter sticks, to your local fire or police department.
  • Always soak used fireworks in water before disposing of.
Have fun!!  and remember, as 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, Michael Reso, 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: atreutel@southgroup.net , 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!  

Monday, June 23, 2014

Hey Pay Attention!! Distracted Driving Kills!


Texting is not the only distraction while driving – I have seen people reading, eating, putting on makeup, and reaching for a child in the back seat.  Yikes! More than 3,000 people were killed in 2012, and the number is exponentially more in 2014.  According to www.distraction.gov, more than 70% of adults and teens admit that they read and text while driving.  Until our cars can drive themselves, we need to pay attention while we are driving !!

Distracted driving is anything that momentarily may take our attention away from driving our vehicle.  Because texting requires mental, visual, and muscle attention, it is an extremely alarming distraction.  Texting has been around for 20 years and about 9 BILLION text messages are being sent annually.  Young adults are the heaviest users of texting with an average daily usage of more than 80 texts sent and received each day.

www.itcanwait.com provides ideas on how to disengage from the texting distraction while driving.  If you send “#X” before you start your engine, your friends will be alerted that you are driving and that the next text can wait.  An idea is to draw an X on your thumb to remind you to “#X” before you put your vehicle in Drive.  “No text is Worth a Life”.

Many states have laws banning texting while driving, so not only is it dangerous, but it may be illegal. This is a disaster that is preventable!

Adults need to set a good example for younger drivers too.  Just because you may be an experienced driver does not mean that you can text or answer emails while you drive, even on the Interstate.  Your family loves and needs you, so PUT THE PHONE DOWN AND DRIVE!

Most importantly, as 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, Michael Reso, 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: atreutel@southgroup.net , 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!  

Thursday, June 19, 2014

Claims Claims Claims -- How to File an Insurance Claim

Automobile Claims...
The Basics...
  • Your agent's job is to help you.
  • But you can also help us to help you.
  • The more you can tell us about a loss, the more we can do to ensure that your claim quickly and efficiently.
  • If you are in an automobile accident, first seek medical attention for anyone who has been injured. Then you can begin gathering information to help with your claim.
  • Keep in mind that you are the best person to tell us what happened. So be prepared to provide as many details as possible about the accident, where it happened and how it occurred. This information can be critical in settling a claim.

Homeowners Claims...
When it comes to your home, any loss can be devastating. By working together, we can help make your recovery from a loss a lot less painful.
Property Damage Or Theft...
  • Begin by making a list of everything that has been damaged or lost in the claim. The more information you can provide, the more quickly we can adjust your claim.
  • List as much detail as possible including the model, place and date of purchase, and amount of all your damaged or stolen property.
  • Receipts, owner's manuals, canceled checks and credit card bills are especially helpful.
Fire And Smoke Damage...
You can take other steps to minimize the impact of a loss at home.
  • In case of fire and smoke damage promptly report your loss.
  • Do not try to clean the damaged items as sometimes cleaning things without the proper equipment can do more harm than good.
  • We can advise you how to best protect your property and review what is covered.
Water Damage...
If your home has suffered water damage...
  • Move all your possessions out of the affected areas and then make sure that all the water is removed.
  • A wetvac or emergency cleaning service can help with this job. If you use a cleaning service, save your receipts.
In the case of either fire or water damage, help protect the safety of your family and pets by keeping them out of the damaged areas.
If Your Home Is Uninhabitable...
  • If your home is uninhabitable and you must stay elsewhere, keep the receipts for all your expenses.
  • Your homeowners policy will pay for the covered expenses that exceed your normal, day-to-day living costs.
  • Receipts are helpful in determining how much you should be reimbursed.
  • It is also important that you provide us with a telephone number where we can reach you or a family member.

Liability Claim...
Another loss that is covered by homeowners insurance is a liability claim.
  • Liability claims occur when one person feels that he or she has sustained an injury because of someone else's negligence.
  • If you think you or a family member may have caused an injury to someone, or if someone is claiming that you have, please report the claim to our office immediately.
  • As with any other kind of incident, the more information you can provide to us, the better we can serve you. If someone is injured on your property, begin by making sure the person receives immediate medical attention.
  • Then collect full names, addresses and phone numbers for all parties involved.
  • Finally, gather as much information as you can about how the injury occurred and be prepared to provide your adjuster with as clear an account of the incident as possible.
Most importantly, as 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, Michael Reso, 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: atreutel@southgroup.net , 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!
  


Tuesday, June 17, 2014

Build It Baby! But Be Sure You Have The Right Contractor Insurance Coverage!

As a Contractor or a Consumer, it is prudent to understand the risks associated with building a structure, as well as the ways to protect yourself from a catastrophic loss.

Construction insurance is a catch-all phrase referring to a wide range of insurance products designed for general contractors, specialty contractors (masons, carpenters, framers, plumbers, electricians), homebuilders, remodelers, and other businesses involved in certain areas of a construction project.

Construction insurance is vital to making sure these businesses minimize the risks they face from employee injuries, equipment and materials damage, motor vehicle accidents and more.
Construction firms face complex, costly risks every day—from a project’s start to finish. In fact, the risks that construction companies face are as unique and numerous as the businesses themselves.

However, most of these specific risks can be categorized into one of the following types of exposures: property damage, loss of income, employee injury, illness or death, and liability claims.
Because of the diversity of construction companies and the work that they perform, not every type of construction firm needs the same type of insurance. Your insurance needs should be based on the size of your company, the number of employees you have, and the type of work you do. In general, construction companies should consider the following types of insurance, but not all of them will be necessary for you.  Be sure to consult with your Trusted Choice agent to discuss your exposures and appropriate coverages.
  • General liability insurance protects you if your business is responsible for bodily injury or property damage to others. Be mindful that most construction firms need general liability insurance in order to obtain a contractor’s license, so this is not a coverage that you can go without!
  • Builders risk insurance provides coverage if you experience business property damage at a construction site.
  • Professional liability insurance (or errors and omissions insurance) covers you if a client experiences a loss based upon any professional services you have provided, such as design work or advice.
  • Loss of income/business interruption insurance provides coverage in the event that you are unable to operate due to a business interruption.
  • Workers’ compensation insurance covers medical and certain other expenses for employees who experience a job-related illness, injury, and even death.
  • Commercial auto insurance provides liability and property damage coverage for any vehicles owned by your business or used for business purposes.
Most importantly, as 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, Michael Reso, 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: atreutel@southgroup.net , 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!
  

Monday, June 16, 2014

Gain a Brilliant Understanding of Your Auto Policy - Go Go Go!!!

Every company and their brother are writing auto insurance now --- think about it --- even Walmart has joined into the frenzy.  There are commercials that suggest that you can purchase auto insurance from a box on the shelf in a store .... NOT!!


Many who but from an 800 number, or from a box, or from Walmart will learn the hard way, that insurance is a complicated contract, that must be understood, and is best obtained through an agent who is able to advocate for you in the event of a loss, so that your nearby attorney doesn't need to get involved and TAKE 40% of what you deserve as a claim settlement!!


The Insurance Information Institute has a great article on what is covered by a basic auto insurance policy. Your Trusted Choice agent can explain all of this to you in plain English and also recommend the best coverages for you based on your personal situation


1) Bodily Injury Liability - this is extremely important an should be high enough to protect you and the sum of your assets.  You have worked to hard to lose all that you have earned throughout your life. Be sure that you have enough protection.


2) Medical Payments - This is a liberal coverage to protect you and anyone within your vehicle or another vehicle you may accidently injure.  This level should be at least what your health insurance deductible is, so that in the event of an accident, you will minimize your out of pocket costs.


3) Property Damage Liability - This coverage pays for the damage you cause to another person's property --- their car or building or anything you may hit --- be sure it is high enough to protect your assets!  The average car today costs significantly more than the $25,000 minimum limits.


4) Collision - This pays to repair your vehicle in the event you are in an at-fault accident.  To save money, choose a higher deductible, which is the amount you must pay toward a repair


5) Comprehensive - This covers theft  or weather or acts of God or getting hit (or hitting) a deer -- To save money, choose a higher deductible.


6) Uninsured and Underinsured Motorist - this is HIGHLY recommended, because far too many drivers do not carry the right level of coverage, which will hurt only you --- This level of coverage should match the coverage you select to protect "the other guy" --- in other words, the UM coverage should be the same or close to the level of coverage


Most importantly, as 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, Michael Reso, 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: atreutel@southgroup.net , phone: 228-466-4498 begin_of_the_skype_highlighting 228-466-4498 FREE  end_of_the_skype_highlighting  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 Ste 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!
  




Monday, June 9, 2014

Feeling HOT HOT HOT -- Fire Up the Grill ... Safely!

The Gulf Coast is a wonderful place to enjoy the great outdoors in the summertime. Wether you're camping, boating, or having friends over - at some point, we all enjoy outdoor grilling. While we focus on making sure the kids are safe in the pool, and we're all slathered in sunblock and staying hydrated, there are those special safety factors about outdoor cooking that can be easy to overlook if you're busy having fun too!

In this blog, we would like to share with you some important safety tips regarding food handling and grill maintenance that could save you from spending your fun time in an emergency room instead of with your toes in the sand! If you have some additional tips you'd like to share with us, please do! And, we're also not opposed to any good recipes you can share for family grilling fun time!

Before you fire up your grill, be sure of the following:

  • Inspect behind, underneath and inside your grill to be sure there are no lingering objects from the last time you grilled which could flame up. If you have a gas grill, be sure lines are not damaged or leaking and are secure.

  • Lighter fluid is dangerous and should never be added to hot coals or active flames on another type of grill in hopes to kick up the heat

  • Be sure your grill is grease free - clean and safe from grease fires

  • Keep a fire extinguisher nearby your grill

  • Everyone should keep their distance from a grill when in use

  • A grill should be distanced from the home and any overhangs when in use and as it cools down after use


Now that your grill is ready to use, here are some important dos and don'ts about cooking outdoors (or cooking any time)!!

  • DO wash food before you prepare it and wash your hands after you handle each item before touching another. Wash everything raw meat, poultry or seafood comes in contact with.

  • DON'T leave food uncovered! Flies and insects carry bacteria and germs on their feet from their nasty travels and could spread this to your uncovered food if they land on it.

  • DO be sure to clean any cooking utencils you store outdoors. Even though they may appear to be clean and you cleaned them after your last use, they have been exposed to the elements and those pesky, dirty insects we mentioned above!

  • DON'T use a marinade that held raw meat to baste cooking meats afterward. Create your baste fresh instead.

  • DO keep it hot!! Bacteria die around 165 degrees Fahrenheit. Make sure that all cooking surfaces are brought to a very high temperature. If you enjoy low & slow cooking, start your smoker off by making sure all metal parts are brought to a temperature above boiling water before you start cooking.

  • DON'T leave thawed meat out in the elements too long. It's best to thaw and leave thawed meat in the refridgerator until it's time to put it on the grill.


Remember, when you're grocery shopping, you should keep raw meats separated from your other groceries to avoid cross contamination. We recommend using the plastic produce bags to wrap packages of raw meat before puting them in your shopping cart.

SouthGroup Insurance Gulf Coast is wishing all of our friends a fantastic summer! Keep watching our blog for more useful info regarding your safety, your insurance needs or other useful information. Like us on facebook for our fun summer contests and awesome updates you can use;
facebook.com/southgroup.gulfcoast.

Most importantly, as 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, Michael Reso, 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: atreutel@southgroup.net , phone: 228-466-4498 begin_of_the_skype_highlighting 228-466-4498 FREE  end_of_the_skype_highlighting  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 Ste 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!
  

Thanks to Susan Monti for her words of wisdom!