Thursday, February 8, 2018

Insurance Tips When You 'Tie the Knot'

February is all about love.  In fact, it is estimated that as many as 4 million people will get engaged on Valentine’s Day!  

And with all of that love and wedding planning in the air, it can be hard to think about the boring parts of a marriage.  

So I want to make it easy for you.  Here are a few things you need to think about in regards to your insurance policies when you 'tie the knot'.

Combine your auto insurance policies.  If you both own a vehicle, the easiest thing to do is combine your policies by adding your spouse and their vehicle to your policy.  We can take care of this in just a few minutes!

Make sure you and your spouse are listed on every policy.  You both need to be on the homeowners or renters insurance so you can get assistance if needed.  Do all of them at the same time and you won’t have to worry about it again.

And if you combine your auto and homeowners or renters insurance with the same company, you can save even more with a multi-policy discount!

Schedule an overall review.  When you combine two households you will obviously have more belongings!  Speak with your agent and verify that you have enough content and liability insurance to cover any new assets.  

Purchase life insurance.  It’s your honeymoon and you don’t want to think about death, but now is the time to get this very important coverage in place.  It doesn’t cost much and will give you peace of mind that the person you love will be taken care of in the future.  It’s really the very best gift you can give to those you love.  

The best part of this?  It doesn’t have to be hard!  In fact, one short appointment with SAV-ON can take care of every item on the list.  Give us a call today at 888-867-2866 or go online to www.sav-on.com to schedule a review with one of our friendly agents!

Thursday, January 25, 2018

Pay Off Your Debt in 2018

The New Year is only a few weeks old, and a lot of people are busy making good on their annual goals and resolutions. For many, improving their finances is at the top of the list.

Getting out of debt can be a big and almost overwhelming goal.  It’s not a fast process and it takes a lot of dedication, but it is worth it in the end!

So where do you begin?

First start by getting an accurate picture of where you stand.  Gather up all of your recent debt statements.  This includes credit cards, car loans, student loans, any personal loans or other big ticket items, and your mortgage.

Run your credit report.  You can request a free copy ever year at www.annualcreditreport.com from all three credit bureaus.  This is a great time to check for any mistakes and make sure that every debt on your credit report is included in your list.

Make a debt payoff plan. Create a spreadsheet with all of your debt information.  Include the name of the debt, total balance, interest rate, and minimum payment.

Now figure out what order you want to attack your debt. Some organize them from lowest to highest balance, while others prefer to pay off the debt with the highest interest rate first.  

Whatever you decide, here’s the trick: Once you payoff your first debt, combine that payment with the second debt.  Now you’re paying a lot more then the minimum and it just keeps growing as you go!

Look for ways to keep throwing money at your payoff.  Sell unused items around the house, have a yard sale, clip coupons, or get a part-time job.  Just do whatever it takes to keep your momentum up! 

Get the whole family involved.  Make getting out of debt a family goal!  Put your payoff on the fridge and count down.  Let the kids help with the family budget.  When everyone understands what you’re working toward, they’ll be more likely to cooperate when the budget is tight. 

And how can you find a few extra dollars toward your debt payoff?  Save on your monthly insurance costs!

SAV-ON can help! Call us at 888-867-2866 for a quote on your auto, home, business, and life insurance today.


Wednesday, January 10, 2018

New Year - The Perfect Time to Get Organized!

Make A Home Inventory

January is all about getting organized, right?  So what better time to document what you own in case you were to suffer a serious insurance loss (like a fire).  

Grab your cell phone and make a short video of each room in your home, focusing on big ticket items.  Many times it’s difficult for our clients to remember every little possession after the shock of a large claim.  Make sure to save the video to your hard drive or the Cloud, so it will not accidentally get deleted from your phone! You’ll be glad you took the time to make the videos if you ever need them.

Deep Clean Your Dryer Vent

A large percentage of home fires begin in the clothes dryer!  Lint builds up in the vent and hose, which can spark a fire.  Unhook the hose and vacuum the area well on a regular basis to keep your home protected.

Organize Your Warranties

Do you have a big pile of warranties, product documents, and receipts stuffed in your desk drawer?  Do you even own those items anymore?  These days, many owners manuals can be found online without taking up valuable drawer storage.  
Also consider scanning and keeping a digital file of your receipts and warranties for easy storage and retrieval if needed.  

Check Your Circuit Breakers

How often do you actually look in the breaker box?  Open it up and make sure the labels are correct and readable.  Also stash a spare flashlight (with working batteries) close by in case of a power outage.

Gather Your Tax Documents

It won’t be long until you’re filing your 2017 taxes.  Start gathering up all the documents you or your accountant will need.  If you find you need a copy of your insurance policies or premiums, call SAV-ON at 888-867-2866 and we’ll be happy to help!  

Know Your Deductibles

When was the last time you reviewed your deductibles?  This is what you would pay out of pocket in the event of an insurance claim.  It’s a good idea to keep this amount in your savings account so it’s available when you need it.  

Feel free to give us a call @ 888-867-2866 or go to www.sav-on.com. We can setup an appointment to review all of your insurance policies in detail.  
January is a great time to get organized for the new year!  Let us know if we can help in any way!  

Happy New Year!  

Thursday, December 28, 2017

Time for New Years Insurance Resolutions

2018 is about to arrive!  And with it come resolutions and goals for a fresh start over the coming months.  

If one of your resolutions for this year was to get organized, then here are some tips on how to get financially “fit” in 2018!  At least as far as your insurance goes...

1.  Set up a meeting with us  

Each year, we like to do a policy review with every client.  We look at all of your policies and update your information.  Insurance needs tend to change with major life events so if you got married, had a baby, changed jobs, retired, or anything else in 2017, you probably need revisions to your existing policies.  Many times you qualify for new discounts or we can point out ways to help you save (like getting a multi-policy discount!)  

We can schedule this meeting over the phone or in the office, whichever is easier. Call us at 888-867-2866 or go to www.sav-on.com to set up an appointment.  

2.  Get a life insurance quote 

For some reason, life insurance is one of those things that gets neglected.  People know deep down that they need it, but often never get around to actually purchasing any.  

Many times you can get a basic term life insurance policy for $30 a month or less.  (Depending on age and health status, of course. It varies for everyone.)  

3.  Organize your insurance documents 

Keep a file with a copy of your current auto, home, and life policies in one easy-to-find place. When your renewal comes in the mail, you can throw out the old copies. Some people also like to keep a copy of their life insurance with their attorney or in a fire safe. We can always help you get a copy if you need it, just call us!  

4.  Put a current auto insurance card in your car and your proof of insurance in your glove box...

...and don't forget to throw out the six old ones that are likely crumbled up in there.  :)  


That’s it!  Let SAV-ON Insurance help you take care of these items and you’re on your way to being organized and properly covered in 2018!

Wednesday, December 13, 2017

Create a Winter Weather Emergency Kit

It’s the time of year when the weather gets cold and the roads get icy. Winter is almost here, and we’d like to share a few things to get you prepared before the winter storms hit!

First things first, you want to have the right supplies on hand, in case the power goes out.  Create a basic emergency kit that includes a battery-powered radio and at least one week’s worth of food and safety supplies.  Also include:

• Drinking water
• Canned/no-cook food
• Non-electric can opener
• Prescription medicine as needed 
• First Aid kit
• Bag of cat litter or sand to add traction on walkways
• Battery-powered lamps
• Carbon Monoxide and smoke alarms in working order

And what about when bad weather hits?  Here are a few things to put on your winter storm checklist:

• Wrap outside spigots in an old towel or t-shirt to prevent them from freezing and cracking.
• Leave water taps slightly open so they drip to prevent frozen pipes.
• Open kitchen cabinet doors under the sink to keep the pipes warm.
• Have an alternate heat source in case the power goes out.  If it’s the fireplace, make sure you have plenty of dry firewood.

The most important thing you can do?  Be prepared!  A benefit to winter storms is that you generally have plenty of warning that one is on the way.  Don’t wait until the roads are icy and dangerous.  Get your supplies packed, your pipes protected, and a backup plan in case of a power outage.  


And make sure that you have great homeowners insurance to protect you from winter’s blast!  We can help with that.  Call SAV-ON at 888-867-2866 for a free quote today.

Friday, November 24, 2017

Why You Should Buy Life Insurance During the Holidays

Have you ever considered life insurance to be a gift?

No it actually doesn’t come wrapped in a box with a bow.  And it’s not all that exciting.  But, in our opinion, it really is the gift that keeps on giving.

Life insurance has gifted families in so many ways.  After the loss of a breadwinner, children have been able to go to college without debt.  Parents have been able to stay at home with their children without needing to go back to work.  Homes have been paid off and long-term dreams have been realized.

All because a family member made the decision to purchase life insurance.

No one wants to think about this coverage, but if there is someone out there counting on your income and support right now…then you need it.  

And we can help you make it extremely easy and affordable.  In fact, studies have shown that most people overestimate how much life insurance by as much as 10x its actual cost!  There are options for everyone.

So why think about it now?  

If you currently don’t have any life insurance or you only have it through your work, then it’s time to come in and talk with us.  We can look at all of the options and find the best solution for you and your family.  

And if you’re struggling with what gifts to buy at Christmas….then look no further!  Your family members don’t need another sweater they’ll never wear or a new set of pots and pans.  They need long-term peace of mind and protection. 


Let us help you gift that today.  Give SAV-ON Insurance a call today at 888-867-2866 or go to www.sav-on.com to set up an appointment. 


Monday, November 6, 2017

Top 10 Reasons to be Thankful for Insurance

Since Thanksgiving is almost here, what better time to think about what we’re grateful for?  And while we love insurance all year long, we’re especially thankful for all the things it does for our clients.  


Reason #10.  You don’t have to panic when a hail storm comes along (and you don’t have a garage).

Reason #9.  You can rent the apartment and know that your possessions are still protected, even if you don’t own your own home yet.

Reason #8.  You don’t have to empty your savings account when an uninsured driver hits your car.

Reason #7.  You don’t have to worry about losing your home to a lawsuit from an honest mistake.

Reason #6.  You can invest in nice things without worry that they’ll be stolen.

Reason #5.  You know that if a big storm comes, you can evacuate to safety without worrying about your home.

Reason #4.  You know that if you were to lose your spouse, you would be able to survive financially.

Reason #3.  You know that your assets are protected, even if you can’t predict the future.

Reason #2.  You know that even if there is a disaster, as long as your family is safe, everything will be okay.  


And the #1 reason:  You don’t have to worry.  We’ve got you covered!

If you're unsure whether you have adequate insurance coverage from all that life throws at you, call SAV-ON at 888-867-2866 and one of our friendly agents will be happy to help you figure it out. Or, go to www.sav-on.com and send us an inquiry!