Tuesday, August 23, 2016

Back to School Tips


It’s August and back to school season is just around the corner.  Are you prepared?  Here are a few tips to get you and your family ready “insurance” wise!

Talk About Safety! 


Do you have young children who will be walking or riding their bike to school?  Take time to talk about safety and do a “dry run” of the school route. 

Have your children practice following the sidewalks, understanding the traffic lights, stranger safety, and what to do in case of an emergency. 

Don’t forget to buy new helmets or other safety gear so that it’s the right fit for the new school year.  There are some great video resources on bike safety for a variety of ages available here:  http://www.pedbikeinfo.org/bicyclesaferjourney/

Cell Phone Safety

If your children are a little older, then you have another safety discussion!  Talk about the rules for using cell phones while driving, especially in regards to texting.  In 2012, driver distraction was the cause of 18% of fatal accidents.  Some studies have shown that texting increases the risk of a crash 23 times over driving while not distracted! 

Set up clear consequences for distracted driving and be clear with your teens about the dangers.  If you need ideas, here is a sample contract to create between you and your teen driver that you can adjust as needed - http://www.hagen-law.com/teenage-drivers-contract/ 

Get Good Grades

Depending on your policy, you may be eligible for discounts when your teenage driver has good grades!  Encourage them to keep their grades high for many reasons, with better insurance rates being one of them.  This is especially motivating for teens that have to pay for their own insurance!

There are also some discounts available for drivers ed and additional drivers training courses.  Give us a call to discuss what is available on your particular policy.   

College Kids Count, Too!


While you’ll want to remind your college age kids about not driving distracted, there are a few other things to consider for them, too.

Depending on your homeowners insurance, you may or may not need additional coverage for your college student’s belongings while away at school.

Those laptops, textbooks, clothes, and electronics can add up fast!  While Homeowners insurance does provide coverage for property off premises, it may not be enough (or may have a high deductible). 

We can review your current policy and look at options for covering your student’s belongings through your homeowners or a new renters insurance policy.

If you have questions about your college student's or teen driver’s insurance, give us a call at 888-867-2866.  And enjoy going back to school!

Tuesday, August 9, 2016

What Factors Can Cause Rate Increases?

Worried about your insurance rates going up?  Here are some things you can do to prevent a rate increase! 

There are a lot of factors that go into determining your insurance rate.  And, at times, your rate may go up (or down!)

Let’s look at what can cause changes:

You buy a new vehicle.  If you purchase a new vehicle, there is a good chance your insurance rates will change somewhat.  If the vehicle is newer, more expensive, or if you have a lienholder and require full coverage, your rate may increase.

Why do some vehicles have higher rates than others?  Simply because some cost more to fix.  If a vehicle has expensive tires or other fancy upgrades, it's more expensive to replace these items. All of these things play into the rate on that particular car.

You change your household.  Any household changes may change your rate.  Getting married might lower your rate, but adding a teenage driver will probably increase it!  Rates are determined by the age and driving history of each person in the household.  That doesn’t mean you’ll see huge swings in price, but just keep it in mind when making changes.

You move.  Rates are also calculated based on the zip code where you drive the most.  If you move from a high-traffic city, where there tend to be more collisions, to a much less populated rural area, your rate will go down (and vice versa).



You get a ticket.  Unfortunately, getting a moving violation ticket can raise your rates.  Whether it's speeding, negligent or reckless driving, or other dangerous practices, it shows that you’re at a higher risk of having an accident and causing a claim. Obeying all traffic laws and keeping your driving history clean will save you money! 

You lose a discount.  Most policies have several discounts included and if those discounts expire, your rate may increase.  If you’re receiving a discount for being accident-free for several years and then have an accident, the loss of the discount will increase your rate.

If you have your auto and home insurance with the same carrier for a multi-policy discount, then move one to another insurance company, your rates will go up.

Maybe you were receiving a discount for having your policy on monthly draft and then decided to just send in a check.  You might see a slight increase here too. 

The best way to keep your rate low?  Work with us!  As a local insurance agency, we’ll review your coverage, discuss your discounts, look at potential risks for rate increases, and help keep you protected.  Call SAV-ON today at 888-867-2866 for a quote!  

Friday, July 8, 2016

Liability Insurance: How Much is Enough?

What is liability insurance? Liability insurance is what protects you when you cause damage to another person.  If you hit someone else’s car, your liability insurance pays to fix it.  If someone is injured in an accident that you caused, then liability insurance pays for their medical bills.

But how do you know the amount of coverage you need?  And what happens if you don’t have enough?  Here’s what you need to know:


There is a minimal amount of liability coverage that is required by the state in order to drive a vehicle.  But here’s the thing to keep in mind:  If you cause damage that exceeds that amount of liability coverage you have, then you’ll be responsible for the difference.   And if you can’t pay it, there could be a lawsuit in your future.

If you own your home or have additional assets, then you need more than the minimum amount of liability coverage. 

Here are some other risk factors:

Rental Property: If you own rental property, you need extra liability coverage.  If someone is injured on your property, then you could be held responsible.  Even a small dog bite could cause a problem if you’re not insured properly.

Teen or College Drivers:  If you have young drivers, you’ll want to have additional liability coverage, even if they are not on your auto policy right now.  Your college student may have their own coverage and live away from home, but if you’re still responsible for them and financially support them, you could be responsible for accidents that they cause.

Watercraft:  If you own a boat, jet ski, or other watercraft, then you’ll want more liability coverage.  Boat expenses and injuries can add up quickly and you’ll want to have plenty of protection in place.  

Umbrella Insurance: Additional coverage when needed

Another way to help ensure that you are covered, no matter what befalls you, is to purchase umbrella insurance. This is in addition to your other policies, and will cover you and your assets if your other coverages aren't adequate enough for the damages that were caused. These policies are relatively inexpensive, but can keep you from real financial hardship.

If, for example, you were liable for injuries to someone in an auto accident, and your liability coverage was not enough to cover the repairs and hospitalization costs, your umbrella insurance would kick in and cover you up to the maximum amount on that policy, above and beyond the limits of your auto insurance policy.

Likewise, if someone injured themselves on your property, and your homeowners limits were inadequate to cover the costs, that same umbrella policy would cover the damages that exceeded the homeowners policy, up to the limits of your umbrella coverage.

The best way to determine the amount of liability coverage you need?  Work with one of our local agents, who can identify all of your risk factors and explain each coverage fully.  You can’t get that from an automated call or form!  Call SAV-ON today at 888-867-2866 to review your policy and get a quote. 

Monday, June 20, 2016

What College Graduates Need To Know About Auto Insurance

You’ve proudly watched your child graduate from college (and celebrated the last of the tuition bills!)  Now they’re searching for their first “real” job and ready for a new phase of life.  

This is what you and your new graduate need to know about their insurance.

First, in most situations, they can remain on your auto insurance policy as long as they are living in your household.  If they’ve moved back home while job hunting, you can keep them on your policy.

But once they decide to move out, it’s time to look at other options.  Some of this will depend on who is the owner of the car and if you’re living in the same state.  The best option is to talk to one of our helpful agents to discuss your particular situation in detail.

Remember, regular on-time insurance payments can help your son or daughter establish credit history and even serve as a reference when renting an apartment.

If your graduate is moving out on their own, you’ll also want to get some information on renters insurance.  It will protect their belongings and protect you from any liability for damage they might cause to a residence (even if it’s just an accident, like a small kitchen fire.)  In most cases, a parent is a co-signer for a lease and needs to make sure this protection is in place. Until your child is totally on their own, you can face potentially expensive claims or lawsuits.

The end of college marks some big transitions into adulthood.  Help your new graduate  make smart financial decisions and establish a great start.  We can help!  Schedule a personal review and quote today with SAV-ON Insurance. Call 888-867-2866 or get a quick quote at www.sav-on.com.


Friday, June 10, 2016

Boating Season is Here...Is Your Insurance Enough to Keep You Afloat?

Summer vacation and boating season are just around the corner.  That means it’s time to pull the boat out of storage and get ready to hit the water with friends or family.  But don’t head out until you know that your boat is properly insured!

Here’s what you need to know about boat insurance:

Your auto policy won’t cover your boat (unless you’re driving with it on the trailer.) And just like when you drive a car, you can be held responsible for damage you cause while driving your boat!  That’s why it’s important to have liability coverage.  Imagine causing damage to another boat or a dock and not having any insurance!  It would be a very stressful -- and potentially costly -- situation. 

Beyond liability and bodily injury coverage, boat policies have many great additional coverages that can be added to your policy.  Do you have a fish finder or other special gear?  Even your fancy cooler and fishing equipment could be covered with the right policy.  Your boat insurance can even cover the cost of towing your boat if it breaks down while out on the water.  Just talk to us about how you use your boat and what you typically carry, and we can look for the right options.

You’ve invested a lot of money into your boat or personal watercraft, and you don’t want to put them at risk by not keeping it covered.  Boat insurance is very inexpensive, and will give you peace of mind when you're cruising around.

Call SAV-ON today at 888-867-2866 to get a quote before putting your boat in the water. Then go out and enjoy the water!



Monday, May 23, 2016

Do You Need Full Replacement Cost Coverage for Your Home?

When you purchased your home, you bought insurance to protect it.  Your Homeowners insurance is there to rebuild your property if you were to suffer a fire, severe weather, or many other losses.

However some people make the mistake of buying the cheapest insurance, thinking that it’s just like every other Homeowners policy.  That’s not true! 

When you look at the details of your home policy, you’ll see that you are either covered for “full replacement cost” or for “actual cash value.”  These are important differences

Big difference between 'Full Replacement' and 'Actual Cash Value'

Full replacement cost means that the insurance company will pay whatever the cost is to get your home back to the state it was in before the claim.  It’s why your home is usually insured for a lot more than you actually paid for it.  Building costs and materials are always increasing, and it may cost much more to rebuild your home then it originally did.

Actual cash value on the other hand, only pays what your home was worth at the time of the loss, minus any depreciation.

Here’s an example:  Let’s say that your couch was burned in a covered fire claim.  Full replacement insurance would buy you a new couch in the same style and value as the original was when you bought it.  You get a brand new identical couch.

Actual cash value would only pay what your couch was worth at the time of the fire.  The “market value” of your couch is more likely what you could have sold it for on Craigslist. You’re not going to get a new couch from the claim, but you could go buy a used one similar to the condition of yours right now.

Now imagine what a difference that makes if you were to suffer a major loss on your home! 

We believe that full replacement cost is what everyone needs!  So if you’re shopping for home insurance and notice that one price is substantially less than the others this could be why.  Always check to see what kind of coverage you’re purchasing. 

And give SAV-ON a call at 888-867-2866 to learn more and get a quote for your home. 


Thursday, May 5, 2016

Spring Home Maintenance Checklist

Spring is in full swing!  And that means it’s time for warm weather, spring flowers, outdoor activities, and storms. 

Now that the temperatures are warmer, the days stay light longer, and the rain has mostly gone away, there are a few things you can do to make sure that your home stays in great shape! 

Your spring home maintenance checklist:

• Test smoke & carbon monoxide detectors and change their batteries.

• Check garage door, replace batteries in your remote.

• Check outside of house for tree limbs touching roof. Trim them back so a falling limb won't damage your roof in a windstorm.

• Clean siding and check for peeling paint. Now's a great time for a new coat of paint!

• Weed your garden and plant some fresh flowers.

• Inspect roof and chimney for cracks and damage.

• Wash all windows - inside & out.

• Service your lawn mower.

• Dust blinds and vacuum curtains.

• Insure your boat before summer!  (Call us today for a quote.)

• Install screens on windows and doors to keep bugs out and let fresh air in.

• Clean outdoor furniture.

• Clean kitchen and bathroom cabinets and throw away outdated food, medicine, and cosmetics.

And if we don’t currently insure your home and autos, give SAV-ON Insurance a call at 888-867-2866 today for a free quote and review!  We’ll make sure that your family is protected all year long, and save you money in the process, too!