The Insurance Information Institute has developed a short Video to assist consumers in saving money, which is really needed in today's economy!
1) Shop around. There are many insurers who offer auto coverage, so even if you THINK you have a good deal, it is a good idea to look around every once in awhile to be sure you still have a great rate. Your Trusted Choice agent has access to multiple carriers and can check your pricing and give you options.
2) Select higher deductibles. This is a way to "self-insure" for a small part of your overall risk. If you are willing to pay a bit more when or IF you have an accident, your ongoing insurance rate will be much lower. It is a calculated risk based on your compfort level. If you put some money aside for a "rainy-day", you can be more comfortable using higher deductibles.
3) Reduce coverage on older vehicles. As your vehicle ages, the "fair market value" is reduced, which means that you will get fewer dollars in the event of a total loss; therefore, you may prefer to save money by dropping collision coverage.
4) Most insurers give credits if you drive fewer miles and if you have good credit, because this makes you a safer risk. Check with your Trusted Choice agent to find out about other available discounts.
5) And last, but not least, be sure that your Trusted Choice agent and your insurer provide EXCELLENT service. If you are paying money to an 800 number, then you will lose in the long run, because they will not be there for you when you need them, but your local Trusted Choice agent will.
Your Trusted Choice agent can analyze your personal and business operations and recommend coverages from a variety of insurance providers for you to consider. They can also help you find cost effective ways to manage your risk exposures, implement safety and security plans, and understand different deductible levels. All of these will help you to manage your overall cost and help you to understand the complexities of the coverage you need.
To help you through the maze of coverages, carriers, premiums, and ways to save money on your insurance, if you are on the Gulf Coast, contact your Trusted Choice agent, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com/ / / , SERVICE TEAM: Angelyn Treutel, Tammy Garfield, Tammy Hogue, Wendy Johnson, Denise Russell, Melissa Moran, Alex Treutel, Kayleigh Davis, Matthew Langlinais, Anne Gillam, Ashlie Moody, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail: 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 offer the following Lines of Coverage: Workers Compensation, Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Directors and Officers Liability, Bonds, Group and Individual Life/Health/Dental/Disability/Vision/Long Term Care, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…
We serve Mississippi, Louisiana, Alabama, and many other states. We specialize in coastal exposures.
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Insurance and useful information for the online consumer
Friday, April 27, 2012
Monday, April 23, 2012
Is Your Home Business Covered Under Your Insurance?
Is your Home
Business covered under your insurance?
Check with your Trusted Choice agent to be sure you are properly insured
against losses. You should not assume
that your home policy is providing you with coverage, because there are
typically exclusions for business equipment and business operations.
Your Trusted Choice agent can analyze your personal and business operations and recommend coverages from a variety of insurance providers for you to consider. They can also help you find cost effective ways to manage your risk exposures, implement safety and security plans, and understand different deductible levels. All of these will help you to manage your overall cost and help you to understand the complexities of the coverage you need.
To help you through the maze of coverages, carriers, premiums, and ways to save money on your insurance, if you are on the Gulf Coast, contact your Trusted Choice agent, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com/ / , SERVICE TEAM: Angelyn Treutel, Tammy Garfield, Tammy Hogue, Wendy Johnson, Denise Russell, Melissa Moran, Alex Treutel, Kayleigh Davis, Matthew Langlinais, Anne Gillam, Ashlie Moody, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail: 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 offer the following Lines of Coverage: Workers Compensation, Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Directors and Officers Liability, Bonds, Group and Individual Life/Health/Dental/Disability/Vision/Long Term Care, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…
We serve Mississippi, Louisiana, Alabama, and many other states. We specialize in coastal exposures.
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Depending on
the type of business you operate, you can get coverage by adding an endorsement
to your home policy for an additional fee, as long as the business is considered
“incidental”. Otherwise there are other
policies available to provide you with the coverage you need to protect your
investment in business property from theft, fire and liability exposures. A businessowners policy is often very
affordable and provides a number of valuable coverage such as protection of
property both off and on the premises, accounts receivable coverage and loss of
business income coverage if you suffer a loss from a covered peril.
You may also
need an endorsement to your auto policy to cover the business use of your
personal auto. Also, as your company
grows, you may wish to provide health insurance or other employee benefits. More information is available at www.iii.org
Your Trusted Choice agent can analyze your personal and business operations and recommend coverages from a variety of insurance providers for you to consider. They can also help you find cost effective ways to manage your risk exposures, implement safety and security plans, and understand different deductible levels. All of these will help you to manage your overall cost and help you to understand the complexities of the coverage you need.
To help you through the maze of coverages, carriers, premiums, and ways to save money on your insurance, if you are on the Gulf Coast, contact your Trusted Choice agent, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com/ / , SERVICE TEAM: Angelyn Treutel, Tammy Garfield, Tammy Hogue, Wendy Johnson, Denise Russell, Melissa Moran, Alex Treutel, Kayleigh Davis, Matthew Langlinais, Anne Gillam, Ashlie Moody, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail: 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 offer the following Lines of Coverage: Workers Compensation, Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Directors and Officers Liability, Bonds, Group and Individual Life/Health/Dental/Disability/Vision/Long Term Care, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…
We serve Mississippi, Louisiana, Alabama, and many other states. We specialize in coastal exposures.
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Sunday, April 22, 2012
April is Financial Literacy Month-Time to Review Your Insurance Needs
The Insurance Information Institute published a helpful article reminiding all to take inventory of major life events and their impact on your insurance policies. April is Financial Literacy Month, the Perfect Time to Review Your Insurance Needs.
Getting married or Divorced? This will impact home and renters insurance due to combining or separating households. Newleyweds should ensure expensive wedding gifts are included on their policies. The III provides free Home Inventory software which you may use Know Your Stuff®. With a camcorder or cell phone camera, you can video the contents of your home for future reference.
Having a Baby? This will impact your life insurance needs. You want to be certain that your family is provided for in the event of your untimely death. Also, be certain to update beneficiaries to include the new baby.
Renovating Your Home? After adding a new room or upgrading existing rooms, be sure to notify your Trusted Choice agent to ensure your coverage is adequate. Also verify that outside structures are covered by your policy.
Renting a New Home or Apartment? You need to insure your belonging because this is not covered under your landlord's policy. A recent study conducted by ORC IUnternational concluded that only 29% of renters have proper insurance coverage for fire, windstorm, flood, or liabliity. Check with your Trusted Choice agent for your options.
Planning to Retire? If you stop working, your vehicle mileage will probably be reduced which will qualify you for a credit on your auto insurance coverage. There may also be discounts for drivers over age 55 or for taking Defensive Driving classes.
Your Trusted Choice agent can analyze your personal and business operations and recommend coverages from a variety of insurance providers for you to consider. They can also help you find cost effective ways to manage your risk exposures, implement safety and security plans, and understand different deductible levels. All of these will help you to manage your overall cost and help you to understand the complexities of the coverage you need.
To help you through the maze of coverages, carriers, premiums, and ways to save money on your insurance, if you are on the Gulf Coast, contact your Trusted Choice agent, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com/ / , SERVICE TEAM: Angelyn Treutel, Tammy Garfield, Tammy Hogue, Wendy Johnson, Denise Russell, Melissa Moran, Alex Treutel, Kayleigh Davis, Matthew Langlinais, Ane Gillam, Ashlie Moody, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail: 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 offer the following Lines of Coverage: Workers Compensation, Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Directors and Officers Liability, Bonds, Group and Individual Life/Health/Dental/Disability/Vision/Long Term Care, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…
We serve Mississippi, Louisiana, Alabama, and many other states. We specialize in coastal exposures.
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Getting married or Divorced? This will impact home and renters insurance due to combining or separating households. Newleyweds should ensure expensive wedding gifts are included on their policies. The III provides free Home Inventory software which you may use Know Your Stuff®. With a camcorder or cell phone camera, you can video the contents of your home for future reference.
Having a Baby? This will impact your life insurance needs. You want to be certain that your family is provided for in the event of your untimely death. Also, be certain to update beneficiaries to include the new baby.
Renovating Your Home? After adding a new room or upgrading existing rooms, be sure to notify your Trusted Choice agent to ensure your coverage is adequate. Also verify that outside structures are covered by your policy.
Renting a New Home or Apartment? You need to insure your belonging because this is not covered under your landlord's policy. A recent study conducted by ORC IUnternational concluded that only 29% of renters have proper insurance coverage for fire, windstorm, flood, or liabliity. Check with your Trusted Choice agent for your options.
Planning to Retire? If you stop working, your vehicle mileage will probably be reduced which will qualify you for a credit on your auto insurance coverage. There may also be discounts for drivers over age 55 or for taking Defensive Driving classes.
Your Trusted Choice agent can analyze your personal and business operations and recommend coverages from a variety of insurance providers for you to consider. They can also help you find cost effective ways to manage your risk exposures, implement safety and security plans, and understand different deductible levels. All of these will help you to manage your overall cost and help you to understand the complexities of the coverage you need.
To help you through the maze of coverages, carriers, premiums, and ways to save money on your insurance, if you are on the Gulf Coast, contact your Trusted Choice agent, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com/ / , SERVICE TEAM: Angelyn Treutel, Tammy Garfield, Tammy Hogue, Wendy Johnson, Denise Russell, Melissa Moran, Alex Treutel, Kayleigh Davis, Matthew Langlinais, Ane Gillam, Ashlie Moody, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail: 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 offer the following Lines of Coverage: Workers Compensation, Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Directors and Officers Liability, Bonds, Group and Individual Life/Health/Dental/Disability/Vision/Long Term Care, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…
We serve Mississippi, Louisiana, Alabama, and many other states. We specialize in coastal exposures.
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