You're driving along, taking care of business when all of a sudden you look in the review mirror and there they are...the dreaded flashing lights signaling you've done something wrong. Don't beat yourself up, it happens to all of us, sometimes no matter how safe of a driver you are. Now, most of us will try and use the traffic school option but there are times when either you're not eligible or there's that pesky old saying, "not enough hours in a day".

Reasons why people don't go to traffic school...

• In some states you can only go once every 18 months.
• If you have a commercial license. A lot of states will not allow you to go, even just for one ticket, depending on the class drivers license.
• Sometimes it also depends on the type of violation you get, if you qualify for school or not.
• The reason most insurance agents hear is, "I just got busy and forgot".

Whether you have an option to go or not, did you know that some insurance companies now offer ticket forgiveness too. This is something you have to add on before you have any violations so make sure to ask your agent, TODAY, how much this costs or if you can qualify for it. You might be pleasantly surprised by the answer!

Some believe that accident forgiveness is rewarding people who drive badly. That it's giving them a hall pass to not pay attention to the road and do whatever they please. Generally, most drivers do not intend to have an accident but there are a few people that break the law and intentionally cause accidents over and over again - accident forgiveness is not designed for these people due to it'll only forgive you for one accident. After one incident your rates will go up so people that continuously have accidents would only benefit once. 

This program is targeting teen drivers. Let's face it, when you're learning to drive this is when you're mostly likely to have an accident, never really intending it but it happens. For parents a tip may be, don't let your teen know you have this coverage, this is mainly for your protection. And make sure you instill safe driving habits from the beginning. 

One last point may also be the safe driver bonus. This program by Allstate insurance has been set up to reward people for not getting into accidents - 5% of your premium back every six months. Now, does that sound like it's advocating bad driving?

Make up your mind for yourself and call us for more info!

 

Many people struggle with the thought of buying life insurance because let's face it...who wants to think about death?! But if you have children, a mortgage, a business partner and/or married you want to take care of the people that care about you or at least have a financial interest. Life insurance isn't so bad and can be really cheap but there are a few things you should keep in mind:

1. The younger you are the cheaper the insurance. Lock in your age today, before your next birthday, and save money.
2. Go with a company that you know like Allstate, Lincoln Benefit, State Farm, etc. There are a lot of companies on the internet that will promise you a lower rate and pull the ol' switch and bate when it comes to issue time, basically after your medical exam is done.
3. Term life insurance is pure life coverage and is the cheapest. If you're on a budget get term life and ask your agent down the road about converting to a permanent life policy. You've locked in your good health today and have the coverage you need.
4. Consider starting a whole life policy for your children, while they're young. Permanent/whole life builds a cash value, locks in their young age today and gives them life insurance for life - this is cheaper than you think!

All in all the best time to buy life insurance is today! You're the youngest you'll ever be today - talk to your agent or call us at 866-614-3400 for a no obligation life review.

Do you have $25,000 to replace your stuff? Take a moment and add up the cost of your TV, stereo, computer, PDA, furniture, CD's, DVD's and clothing. You'll be surprised at how much it would cost to replace your stuff.

Renters insurance is an excellent way to cover your personal belongings for loss due to theft or fire as many as other perils. This policy covers your personal property anywhere in the world and you will be surprised at how affordable it is...$25,000 in coverage for about .50 cents a day! And remember, is your car is broken into and your purse, computer, CD's, etc. is stolen your car insurance will not cover these items, but renters insurance will. 

So how do you save on your car insurance? By having a multiple policy discount on both policies you combined discount is up to 30%! Sometimes, just for having this discount it'll pay for the renters insurance and then some. It's wild concept but you could qualify for a free renters policy with the money you save on your car insurance! Call to find out more ways to save.

When looking for ways to lower your car and health insurance bill the easiest and fastest is to raise your deductible. On your health insurance it will save you money if you look into options like higher deductibles and then putting a supplemental health plan in there to fill in the gaps like accident insurance and/or cancer insurance - You'll be amazed with the savings!

Also, look at coverages on your car insurance where you might have double coverage. Example: You have rental car reimbursement but have an extra car you could use in the event your car is in the shop being repaired. 

Another might be...if you have a low deductible health plan and still have medical coverage on your car insurance. But remember, on this coverage medical covers all passengers so keep this in mind and talk to your agent first before doing anything.

Insurance food for thought!