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!


Friday, April 1, 2016

Protect Your Family During Severe Weather


While we watch the news and see death and destruction from tornadoes in the southern states recently while we're basking in beautiful spring weather, we are well aware that it has a nasty way of changing fast at this time of year. April can bring with it lots of stormy, windy weather with rain, hail and -- yes -- even an occasional twister.

Is your family prepared if the weather turns ugly? Now is the time to think about protecting your home and family. 

A Safe Place to Go

First things first, make sure you have designated a safe place to go to if the weather gets severe.  It could be a basement, closet, or room with no windows or outside walls. Make sure this space is cleared out enough that you could easily get your family (and pets) inside if needed.  (You don’t want to be frantically clearing out the closet if there is a tornado!)

An Emergency Kit

Next, put together a small emergency kit.  What would you need if the power was out?  Consider putting in flashlights, extra batteries, canned food, a weather radio and plenty of water. (Don’t forget supplies for your pets too!)

Emergency Phone Numbers

Keep emergency phone numbers in your cell phone contacts, including the phone number for our office in case you need to make a claim.  You could even save a note in your phone with your policy numbers too.

If you do suffer damage, give us a call to report a claim once the danger has passed.  We’ll do everything we can to make the claim process simple and quick! 

While we can’t prevent bad weather, it’s always great to be as prepared as possible. Take care of your family first and know that SAV-ON will be there to protect your belongings.

Make sure your homeowners insurance is adequate for your home BEFORE the storm hits! Call us at 888-867-2866 for a free analysis.

Thursday, March 17, 2016

Are You Prepared for a Flood?

March is the time of year when we talk about severe weather.  That can mean hail, tornadoes, and even floods. This has been an especially wet winter in the Northwest, so the danger of flooding is still high.

A little flooding in a home can cause thousands of dollars in damage. The majority of flood insurance claims come from areas that are considered to be low to moderate risk. Whether you live in a low-risk flood zone as determined by the Federal Emergency Management Association (FEMA) and the National Flood Insurance Program (NFIP), or if you are in a high-risk area and coverage is being required by your mortgage lender, having a flood insurance policy is prudent for anyone that occupies a residence.

Also, it's important to keep in mind that you'll face a delay between getting flood insurance and when it becomes effective! FEMA and NFIP require a 30-day waiting period before coverage becomes effective, but we can provide coverage that becomes effective in only 15 days. That still means there is a delay before your policy is in effect, so don't wait too long!

Flood safety is extremely important. That’s why it’s a good idea to review these basic flood safety tips, provided by Ready.gov, with your children every year. 

If a flood is likely in your area, you should:

• Listen to the radio or television for regular updates and information.

• Be aware that flash flooding can occur. If there is any possibility of a flash flood, move immediately to higher ground. Do not wait for instructions to move.

• Be aware of stream, drainage channels, canyons and other areas known to flood suddenly.

• Flash floods can occur in these areas with or without typical warnings such as rain clouds or heavy rain.

If you need to evacuate: 

Turn off utilities at the main switches or valves if instructed to do so. Disconnect electrical appliances. Do not touch electrical equipment if you are wet or standing in water.

If you have to leave your home, remember these evacuation tips:
  • Do not walk through moving water. Six inches of moving water can make you fall. If you have to walk in water, walk where the water is not moving. Use a stick to check the firmness of the ground in front of you.
  • Do not drive into flooded areas. If floodwaters rise around your car, abandon the car and move to higher ground, when water is not moivng or not more than a few inches deep. You and the vehicle can be swept away quickly.  If your vehicle is trapped in rapidly moving water, stay in the vehicle. If the water is rising inside the vehicle, seek refuge on the roof.
  • Do not camp or park your vehicle along streams, rivers or creeks, particularly during threatening conditions.
With a little bit of preparation, you can keep your family safe!  Review these tips for flood safety and contact SAV-ON Insurance at 888-867-2866 if you have questions about flood insurance coverage, but don't wait until the last minute. Then it will be too late!

Wednesday, March 9, 2016

Time to 'Spring Clean' Your Insurance!

The arrival of spring means it’s time for spring cleaning!  So why you're cleaning up around the house, why not clean up your insurance policies and look for extra savings? Discounts are the best way to save on your insurance premium each and every month. But a lot of people are missing out on them!  With a little documentation, you could see great savings.

Here are some of the ways you can save:

Security Discounts - Does your home have a security system or fire protection system?  Some of these devices will help you save big on your home or renters insurance.  If you have a certificate of installation (and even if you don’t), let us know and we’ll see if you qualify.

Driver Training and Defensive Driving - Did your child take a certified Driver’s Education course?  Did you take a defensive driving course?  These classes will typically qualify you or your child for discounts!  Just bring in a copy of your completion certificate and we’ll get it added to your policy.

Teenage Drivers With Good Grades - Good grades will help you save!  Some of our policies offer a discount for students who maintain a high GPA.  Give us a call to see the requirements for your policy. 

Payment Discounts - There are many different options when it comes to paying your premiums.  Some policies offer discounts for paying in full or a reduced installment fee if you put the payment on auto-draft.  We can advise you of all the payment options so you pay as little as possible.

Multi-Policy Discounts - When you have all of your insurance in one place, you save more!  If your auto and home insurance is spread out between multiple companies or agencies, let us help you consolidate.  You’ll be better protected (with less gaps in coverage) and save money, too!

The key?  Talk to your agent!  When we schedule regular annual reviews, we can review your policy discounts and make sure you are receiving the best coverage at the best price.  Call SAV-ON today at 888-867-2866 to schedule an appointment.