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Saturday, November 21, 2009

How to Save Money on Auto Insurance

A CPI study completed for October 2009 reflected an 11% increase in auto rates over the past year.  Nebraska (+20%) and Idaho (+15%) led the nation's increase, while Montana (-16%) and several southern states, Mississippi (-5%), Louisiana (-6%), and Georgia (-7%) actually benefitted from lower rates.

An article on Top Ways to Turn Your Current Car Insurance Into Cheap Insurance recommends the following ways to lower your insurance cost:
- Add theft devices and/or window sketching
- Combine all vehicles in the household on one policy to obtain multi-car discounts
- Look for carriers offering 12-month policy (instead of 6 months)
- Check your mileage carefully.  Many policies offer discounts for vehicles with low annual mileage.
- Increase deductibles on comprehensive and collision coverage (if you have a loan, you will need to verify that your lienholder will allow the higher deductible)
- Take Defensive Driving classes for a policy credit
- Combine policies with the same provider (auto and home, or auto and rental).  The discounts can be significant.
- Watch your credit rating which could impact your rate.  If your credit is a problem, you may wish to seek a carrier who does not check credit, although there are very few.
- Purchase an "insurance friendly vehicle" (i.e. Avoid sports cars and luxury vehicles and vehicles with a high theft history.  Select vehicles that have low repair costs)

Your Trusted Choice agent,, can provide you with multiple quotes from multiple carriers and advise you on coverages and available credits.   Every day we work with our clients to provide better coverage and save them money!  Contact us for a free-no-obligation quote.  Reach us via CHAT, EMAIL, PHONE:228-467-5662, FAX:228-466-4314, or visit us at 401 Hwy 90 in Bay St Louis MS.

We are licensed to write coverage in Mississippi, Louisiana, and Alabama.

Also, check out our MOST BEAUTIFUL SNOWFLAKE contest which is running through the end of December at

Saturday, November 14, 2009

Cellphone Medical Diagnosis

New software is being developed by American and Austrailian scientists that will allow a person to merely cough into their phone and obtain a diagnosis of their illness.  (Source:

The software measures the "type of cough" (dry or wet, productive or non-productive) and the "intensity" and can determine whether a virus or bacteria is causing the cough.  According to Dr Jaclyn Smith from University of Manchester "It could really improve disease diagnosis and help improve people's access to health care".

Preventive care is being promoted by most health insurers today and innovative applications will continue to improve our healthcare.  Contact Angelyn or Becky at Treutel Insurance,, for information on health care insurance.  Treutel Insurance is your Trusted Choice agent. 

You can reach us by CHAT (, FACEBOOK, email: , phone: 228-467-5662, fax:228-466-4314, or visit us at 401 Hwy 90, Bay St Louis, MS 39520.

Wednesday, November 4, 2009

Which would you choose – chocolate, vanilla, or strawberry ice cream?

Which would you choose – chocolate, vanilla, or strawberry ice cream? A 2-bedroom condo only 10 minutes from the office or a 3-bedroom home 30 minutes from work?

In a book titled “How We Decide” by Jonah Lehrer, the author delves into the neuroscience behind our decision making. Our decisions are based on emotion and our connection to the topic. Decision-making has actually evolved over time, and we make decisions, in most cases, BEFORE we have assimilated all of the available data.

We typically will make up our minds using “loss aversion”, in other words, we will choose the option that keeps us from feeling bad, and we prefer the choice that will make us feel good. Decision making is part of our biological make-up. However, knowing your “reflex response” may help you recognize it and keep you from being misled by choices provided to you by marketers who would attempt to manipulate your emotions.

I attended a great presentation by David Goldsmith ( where he shared techniques one could use to make better decisions. The trick is to ensure that you fully and precisely identify your challenge and express it in the way that it “should” happen. Then look at it from a “future oriented” perspective. Example: Challenge= What would it take to increase my sales by 12%? Using this approach will yield more effective results. Especially since, according to a University study, we all make over 200 decisions per day related to food!

Another value used in decision making is time savings. Many in today’s fast paced work would choose to pay a higher price for convenience. We prefer “added-value” as we review our options.

Your Trusted Choice agent at Treutel Insurance can save you time and money on your complex decisions regarding insurance coverages. Contact Treutel Insurance via CHAT or EMAIL: or PHONE: 228-467-5662, or FAX: 228-466-4314 or FACEBOOK or MERCHANTCIRCLE or at our WEBSITE:

Monday, November 2, 2009

Using the Internet to Make More Sales for Your Business

Using Social Networking and Internet Marketing can help you boost sales for your business.  Why, you may ask?

1) Social Networking saves you money because you can reduce the cost of print advertising.
2) An integrated website is an extension of your physical storefront.
3) Cyber-connections allow you to reach more potential customers than you could physically meet in a day.
4) Measure the success of your business website and search engine optimzation with tools like Google Analytics (
5) Use a rotation schedule to leverage the time comittment for maintaining your social networking presence.

Your Trusted Choice agent is using Social Networking and Internet Marketing to provide more convenience for today's insurance consumer.  Contact Treutel Insurance via chat: or email: or phone: 228-467-5662 or fax: 228-466-4314 or come visit: 401 Hwy 90, Bay Saint Louis MS.

See you in cyberspace!