Showing posts with label Insurance. Show all posts
Showing posts with label Insurance. Show all posts

Thursday, February 4, 2010

SAV-ON's Involvement with Northwest Harvest

We received a wonderful e-mail today from Northwest Harvest--
Your service is deeply appreciated, particularly during the holiday season when many of us have extra demands on our time. This year, you have every reason to be especially proud. In December alone, volunteers contributed a record-breaking 9,793 hours of time to help Northwest Harvest be successful. One month into the New Year, it looks as if 2010 could be just as busy for all of us at Northwest Harvest as 2009 was. Currently, volunteer hours are up 33 percent over this time last year.

Because of your generosity, thousands of our neighbors in need have food on the table during some of the winter's coldest and darkest days. We are deeply grateful to each of you for the work you do!


SAV-ON volunteered time and efforts at the Kent Warehouse last December. And it doesn't stop there. Every location has a donation bin and for every referral we get that we provide an insurance quote for, whether or not the policy is written, we donate $1 to Northwest Harvest. In 2009, we contributed a total of $1,076 to this worthwhile organization, and this year we're determined to do even better!

We're volunteering again this month. Anyone and everyone is welcome so let us know if you'd like to join us!

Tuesday, December 8, 2009

Only 1-in-4 Have Flood Coverage

With only 1-in-4 homes covered in the Green River Valley, WA area, insurance commissioner Mike Kriedler is urging residents to purchase now, especially with the 30 day waiting period.

“Recent work on the Howard Hanson Dam has lowered the risk of catastrophic flooding in the valley. That’s the good news,” Kreidler said. “But the risk of flooding is still significantly higher than normal. Getting this relatively low-cost coverage can protect against major losses.”

FEMA will be revising their flood zone in the Green River Valley and these maps will likely broaden the area considered high-risk. These new maps take effect in September 2010.

Many don't realize that renter's can get contents-only coverage starting at only $39 for the year. However, we are suggesting that they consider building coverage too in case the building does not have a master policy for flood.

Kriedler adds, “renters shouldn’t assume that their apartment owner’s insurance will cover their losses, because it generally doesn’t,” said Kreidler. “A flooded apartment can easily lead to thousands of dollars in damages. Renters have to protect themselves, too.”


Log on to our website: www.sav-on.com for a quick quote or call us 1-888-867-2866.

Thursday, November 19, 2009

FYI, Homeowners Policies DO NOT Cover Flooding

Your regular homeowners policy does not cover flooding. But a flood insurance policy does.
  • Flooding is the #1 natural disaster.
  • Flood damage is not covered by most homeowners insurance policies.
  • 25% of flood claims are filed by people living in low-to-moderate risk areas.
  • In high-risk areas, 1 in 4 homes will experience a flood over the course of a 30-year mortgage.
  • Only 2 inches of water in your home can cost $7,800 or more in damage. (Can you guess what 1 foot would be? Find out the cost with this interactive tool from FloodSmart.gov.)
  • Disaster assistance- if it's available- is usually a loan you must repay with interest.
  • Flood insurance is mandatory if you live in a high-risk area and have a mortgage from a federally regulated lender. Check with your lender for details.

Aren't those enough reasons to protect yourself from flood?
If you haven't already, now is the time. Call us 1-888-867-2866, e-mail us, or request a flood quote from the web today.

Flood insurance rates are all federally regulated by FEMA which means, it's the same cost anywhere you go. So why not shop with the Agency that cares, the agency you trust?

Remember, all flood insurance policies have a standard 30 day waiting period!


Thanks to FloodSmart.gov

Friday, October 30, 2009

SAV-ON Halloween Contest Update



Our original Dopey was out sick, but we had a great stand in...meet Kid's Club Secretary, Donny!



When the Evil Queen found out where Snow White was hiding, she came to drop off an apple.
Careful Snow White!








AND NOW THE RESULTS!

The Des Moines office as Snow White and the Seven Dwarfs first place, the "Best Costume" trophy, and pizza next week!

The Kent office won 2nd place, the "Most Original" trophy and will also be enjoying pizza next week.

And Normand in our Lynnwood office gets a consolation prize for his awesome rendition of Jack Sparrow; a McDonald's Big Mac Meal!!


Have a safe and Happy Halloween! For tips on trick or treating, check out our latest newsletter.

Monday, October 19, 2009

Flood Insurance, Time is Running Out!

For people that wait too long for a flood insurance policy, you may be in for a rude awakening when companies stop offering it!
With the high volume of policies being issued, companies are starting to see that they could be in for some catastrophic financial losses.

Attention homeowners, renters, & mobile owners! Flood is not included in your regular policy. Flood works a little differently and we're always here to explain how flood coverage, exclusions, and deductibles work.

It's also VERY important to remember that there is a 30 day waiting period for flood policies. Which essentially means that if you take out your policy on 10/20/09, your policy will not go into effect until 11/20/09. Any flood occurring before that date will not be covered.

So just call us or e-mail us for a quote TODAY! You will be surprised at how inexpensive flood coverage can be.

For Flood Quotes & Questions
E-mail: info@sav-on.com or call 1-888-867-2866

Tuesday, September 15, 2009

New Spanish Commercial Airs this Month!

Our latest commercial to air this month on a few Spanish channels. Here's the sneak peek! Marque ya!

Thursday, September 3, 2009

SAV-ON Proudly Sponsors Youth Sports Teams

SAV-ON is proud to support the local community and youth sports teams. Enjoy the team photos!


Co-Owner Rick Devitte proudly stands alongside the Des Moines Bulldogs Basketball team!




The Des Moines Dragons Baseball team are all smiles!










In addition to being active in the community, all 6 SAV-ON locations offer Northwest Harvest drop boxes all year round! Thanks to the Kent office for recently donating another full box!

Tuesday, September 1, 2009

Media Event Announces Solar Pie Project

Elected officials and news reporters will be at PEMCO tomorrow, Sept. 2, for a lunchtime media event announcing our support of Solar Pie, a local not-for-profit that teamed with our Real Estate department to install solar panels on PEMCO’s Home Office roof. The event takes place in PEMCO’s parking lot directly across Harrison Street from our loading dock.

During the event, we’ll “unveil” new information on our rooftop time and temperature sign. In addition to showing time and temperature, during daylight hours the sign will also show kilowatts being generated, while at night you’ll see reductions in carbon emissions made possible by the solar panels. Web surfers will be able to track the data at http://solarpie.org/pemco/, and a new webpage on pemco.com will summarize the Solar Pie project.

PEMCO is playing a support role in this project. Our purpose is to help Solar Pie’s principals, Carolyn and Scott Sherwood, educate the public that solar energy works, even in cloudy Seattle. The PEMCO Seattle Solar Pie Project is made possible by our Real Estate department; Seattle-based contractor McKinstry, project managers; and Seattle City Light and the Seattle Department of Planning and Development, regulatory oversight. For more information, check out the recent Seattle Times article: http://seattletimes.nwsource.com/html/localnews/2009614669_solarpie07m.html

This post was made possible on the behalf of Jon Osterberg, PEMCO marketing communications manager, 206-628-4019.

Survey Shows Support in Banning Texting While Driving

Data suggests legislation alone will not solve the problem

Columbus, Ohio — Nationwide Insurance today released the results of its new On Your Side® survey, which found that 8 in 10 Americans surveyed this month say they would support legislation restricting cell phone use while driving. The survey, conducted Aug. 5-9, 2009, by Harris Interactive, reports that 80 percent of Americans favor a ban on texting while driving, while two thirds favor a ban on cell phone calls, and more than half say they would support a ban on cell phone use altogether. Earlier this summer, Nationwide announced its support of the concept of a national ban on texting while driving to help curb crashes and reduce auto insurance claims.

The survey results are being announced as hundreds of highway traffic safety advocates and officials are convening at the Governors Highway Safety Association’s annual conference in Savannah, Ga., to discuss driving while distracted (DWD) and other highway safety issues. This meeting is taking place in advance of a presidential summit on DWD that is scheduled for Sept. 30 and Oct. 1 in Washington, DC.

“In recent months, the debate about the dangers of DWD has intensified as more and more states consider taking legislative action,” said Bill Windsor, Nationwide’s Safety Officer. “The survey results confirm that there is strong public support for banning texting while driving. It also provides insight into support for additional restrictions policymakers may want to consider.”

Public support for DWD legislation
The results of the new survey show there are varying degrees of support for different types of restrictions. Overall, the survey found that 8 in 10 drivers support some type of cell phone usage restriction.
  • The majority of respondents say they are supportive of laws restricting any type of cell phone use while driving.
  • 80 percent of respondents support a ban on text messaging while driving.
  • 80 percent of respondents support a ban on e-mailing while driving.
  • Two thirds (67 percent) of respondents say they are supportive of laws restricting phone calls while driving.
  • Of those who support some type of cell phone usage restriction, nearly 3 in 4 believe the law should apply to all drivers, not just specific groups.

    Regional differences
    In geographic regions where one would expect to find higher cell phone usage and more multitasking lifestyles, support for a ban was high. The majority of respondents in the west and northeast regions say they would support a ban on any type of cell phone use while driving.

    Generational differences
    While it’s not surprising that older generations are supportive of bans, even members of Generations X (ages 33-44) and Y (ages 21-32), who are more likely to use cell phones, are supportive of laws – particularly those banning text messaging and e-mailing. Three fourths of Generation X and Y respondents favor these restrictions.

    The overwhelming support for legislation may be driven by increased public recognition of the dangers associated with DWD. In 2008, Nationwide’s DWD survey revealed that 45 percent of respondents had been hit or nearly hit by another driver using a cell phone.

    Need for education
    According to the survey released today, respondents say they are witnessing a growth in distracted driving behavior on the roads, underscoring the importance of public education to raise awareness about this dangerous practice.
  • More than half of respondents say they see more drivers using cell phones while driving than they did 12 months ago.
  • Nearly three-quarters of respondents say that when they drive, they always or often see other drivers using cell phones.

    The importance of technology
    “The new information in this survey also indicates that many drivers are either in denial about their DWD habits or resistant to changing their behavior,” said Windsor. “This suggests that legislation may not be enough to eliminate distracted driving and highlights the need for a technological solution that can prevent cell phone usage in moving vehicles while still allowing people to stay connected.”

    Drivers in denial
    Nearly half (49 percent) of drivers say a law restricting use of cell phones would not change their behavior because they don’t currently use cell phones while driving.
  • When you compare this statistic to Nationwide’s 2008 DWD survey, which revealed that more than 80 percent of drivers admit to talking on their cell phone while driving, it may be the case that some drivers are either in denial or too embarrassed to admit their DWD problem.

    Resistance to new laws
    In the new survey, four out of five respondents (82 percent) who admit to using their cell phones while driving say their behavior would change if cell phone usage were restricted by law.
  • However, 18 percent of respondents who admit to using their cell phones while driving say they would continue to do so regardless of a change in law, with Generation Y most likely to resist the change (26 percent).

    Further evidence that a technological solution is needed comes from Nationwide’s 2008 DWD survey. This study found that 43 percent of drivers believe technological advances that prevent cell phones from working in a moving vehicle would be the most effective solution to DWD.

    Nationwide’s commitment to reducing DWD
    Nationwide is committed to helping customers protect what matters most and that is why the company recently stated its support of the concept of a national ban on texting while driving. In addition to saving lives, fewer DWD related crashes could also result in lower insurance costs for consumers.

    “DWD impacts all of us in one form or another and Nationwide will continue to raise public awareness about this important issue,” said Windsor. “By working closely with legislators, public safety officials and other key stakeholders we can arrive at real-world solutions to this problem and help make the roads a safer place.”

    Survey methodology
    This survey was conducted by Harris Interactive via its National QuorumSM telephone omnibus service. This study was conducted by telephone within the United States between Aug. 5-9, 2009 among a nationwide cross section of 1,008 adults (aged 18 and over). Figures for age, sex, race, and region were weighted where necessary to bring them into line with their actual proportions in the population. The results for the overall sample have a sampling error of +/-3 percentage points at a 95 percent certainty.
  • Tuesday, August 25, 2009

    Des Moines Office Wins Prestigious Award

    SAV-ON Insurance has been selected for the 2009 Best of Des Moines Award in the Insurance Agents category by the U.S. Commerce Association.

    Each year, the US Commerce Association (USCA) identifies companies that they believe have achieved exceptional marketing success in their local community and business category. These are local companies that enhance the positive image of small business through service to their customers and community.

    Thank you to our wonderful clients and others that made this award possible. We will continue to strive for the most excellent service and provide to families and individuals in need in our local community.


    US Commerce Association Website

    Tuesday, July 28, 2009

    Insurance Myth: You've Got Insurance To Pay EVERY Claim

    Insurance Myth: Insurance is there to pay for every claim or accident...
    Truth: Insurance is meant for catastrophic losses.

    Small claims and accidents that could have been paid out of pocket will usually come back to haunt you in the form of higher premiums...or worse, non-renewal. This is something that is prevalent with homeowners policies and Preferred auto companies.

    Also, a lower deductible may make it possible for you can make more claims-- but you pay the price. Literally. If you can pay for the loss or damage without a financial hardship then pay it.

    Something to keep in mind...depending on your policy, you may not have the coverage to pay your claim! For example, you're driving down a rural road and hit a deer; you don't have comprehensive or collision coverage and there's considerable damage to your vehicle. In this case, you're out of luck.

    Tuesday, July 14, 2009

    Earthquake Preparedness: What To Do Before an Earthquake

    Check for earthquake hazards
  • Fasten shelves securely to walls.
  • Place large or heavy objects on lower shelves and store breakable items such as bottled foods, glass, and china in low, closed cabinets with latches.
  • Hang heavy items such as pictures and mirrors away from beds, couches, and anywhere people sit.
  • Brace overhead light fixtures.
  • Repair defective electrical wiring and leaky gas connections. These are potential fire risks.
  • Secure a water heater by strapping it to the wall studs and bolting it to the floor.
  • Repair any deep cracks in ceilings or foundations. Get expert advice if there are signs of structural defects.
  • Store weed killers, pesticides, and flammable products securely in closed cabinets with latches and on bottom shelves.

    Identify safe places indoors and outdoors
  • Under sturdy furniture such as a heavy desk or table.
  • Against an inside wall.
  • Away from where glass could shatter around windows, mirrors, pictures, or where heavy bookcases or other heavy furniture could fall over.
  • In the open, away from buildings, trees, telephone and electrical lines, overpasses, or elevated expressways.

    Have disaster supplies on hand
  • Flashlight and extra batteries.
  • Portable battery-operated radio and extra batteries.
  • First aid kit and manual.
  • Emergency food and water.
  • Nonelectric can opener.
  • Essential medicines.
  • Cash and credit cards.
  • Sturdy shoes.

    Make sure the whole family knows the plan
  • Make sure children know how to call 911 and how to tune into emergency radio broadcasts
  • Teach family members how and when to turn off water, gas, and electricity
  • Have an earthquake drill
  • Have a plan to reunite after a disaster if family is separated
  • Have an out of state family member or friend as an emergency contact in case local friends and family are not reachable due to the disaster


    Thank you to FEMA
  • Monday, July 6, 2009

    June: Graduate Results

    We moved 40 people from high risk rates to low-cost Preferred rates this last month through our Exclusive Graduate Department. That brings us to a total of 259 for the year!

    Our top savers this last month... (These savings are per 6 month terms!)
  • Ben O - Enumclaw - $937
  • Maria A - Seattle - $773
  • Richard S - SeaTac - $734
  • Robert T - Seattle - $698
  • David D - Kent - $697
  • Robert L - of Orting - $578
  • Patricia K - Tacoma - $544
  • Jaime D - Kent - $510
  • Kathleen C - Edmonds - $499
  • Anatoliy V - Tacoma - $424
  • Kathleen C - Edmonds - $499
  • Monday, June 22, 2009

    Hagerty Insurance Co. Announces its Top 10 Most Unusual Collector Cars

    TRAVERSE CITY, Mich. (May 2009) – For more than a decade, the nation’s largest collector car insurance agency has issued policies on some of the greatest and most valuable cars in the world. But from time to time they also receive a request that may prompt them to say: “You Want To Insure What?”

    “When we first set out to insure collector vehicles, we intentionally didn’t want to discriminate and limit ourselves,” says McKeel Hagerty, CEO of Hagerty Insurance Agency. “But we never anticipated how broad the collector category really is or how many unique and cool vehicles there really are out there. It’s never dull. But we wouldn’t have it any other way.”

    “Top Ten Quirkiest, Coolest and Most Unusual Collector Cars.”

    1. Wienermobile - Invented in 1936 by Carl Mayer, the “Wienermobile” was created to travel across the country as a “traveling billboard” to advertise the Oscar Meyer brand name. Today, college graduates compete for the prestigious position of Hot Dogger so they can travel the nation to various events and promotions in the Wienermobile.

    2. Pumpkin Chucker/Old Fire Truck – This vintage fire truck can shoot pumpkins ¼ mile in any direction you point it. The 25-foot long barrel makes garaging an issue, but it certainly keeps unwanted trespassers at bay.

    3. The Big Red Phone car - This 1975 VW Beetle was transformed into exactly what it sounds like – a big, red telephone. Complete with a keypad, receiver and matching owner/mascot, this car is not easy to miss.

    4. Star Wars Land Speeder - Used by Lucas Films, the hovering vehicle made its first appearance during Star Wars Episode IV: A New Hope. The dirty, beat up land speeder was Luke Skywalker’s alternate mode of transportation when his T-16 skyhopper was in the repair shop.

    5. Cinderella’s Carriage – This carriage evolved from a mere pumpkin and was hauled by a couple of mice-turned-horses. Pretty unbelievable you say? Well, it happened and it needed insurance, so Hagerty gave it the best coverage a budding princess would ever desire. No word on whether elusive glass slipper coverage is next on their list.

    6. Corvette Station Wagon – What do you get when you cross a truly iconic American sports car with a grocery getter? Apparently, you get what is most commonly referred to as a 1954 Commemorative Sport Wagon. Quite the oxymoron, but a conversation starter.

    7. German Panzer Tank – Think you feel safe in your big, American SUV? This military vehicle can only hit up to 25 mph even on the flattest surfaces, but you’ll never have the problem of getting stuck in traffic.

    8. Velorex Oskar 3-wheel car – This 3-wheel, Czechoslovakian, vinyl-covered mini car enjoyed quite a long production run. It was produced from 1953 to 1971 in a town named Hradec Kralove.

    9. 1985 Owosso Pulse – This futuristic looking vehicle is one of just 347 Pulses ever built. The “Autocycle,” as it’s commonly referred to, appeared in the film Back To the Future Part II.

    10. 1974 Dodge Clown Car – Want to be the funniest neighbor on the block? Park this in your driveway.

    Tuesday, June 2, 2009

    Insurance Fraud on the Rise, Costing Everyone Higher Premiums

    The National Insurance Crime Bureau found a sharp increase in "questionable insurance claims" with the current economy. Insurance fraud is costing Northwest Households about $300 per year in higher premiums.

    Seattle NICB investigator, Scott Wagner, says so far this year vehicle arson is up 27% nationwide. In many cases, he's found that vehicle owners are behind on their payments so they torch it and call it stolen. "The car ends up burning and the insurance company ends up finding out that they're four months behind on their payments," said Wagner.

    In another example, Wagner shows a surveillance video of a woman pulling her S.U.V. into a Seattle restaurant parking lot. The video seems innocent enough, until she walks away from her car - forever. "She parked her car, set her alarm and then left and reported it stolen," said Wagner.

    According to the NICB, in the first quarter of this year compared to the first quarter of last year, vehicle owner give-ups are up 24 percent.

    Darrin Sanger with the Northwest Insurance Council calls insurance fraud a crime against everyone. He says that's because in the end all of us pay in the form of higher premiums. "When someone commits insurance fraud they're not just stealing from insurance companies," said Sanger, "They're stealing from fellow customers."

    A recent study from the NICB shows property/casualty insurance fraud costs Americans nearly $30 billion each year.

    The Northwest Insurance Council offers a reward for citizens who help investigators track down people who've committed insurance fraud.


    Thank you to King5.com

    Thursday, May 7, 2009

    To Drive or Not To Drive!

    To Drive or not to Drive!

    And that really is the question! What age is the right age for a teenager to get their drivers license?

    The age and requirements vary state-to-state and have varied laws concerning all aspects of when, where and how teens may drive.

    We pose the question regarding readiness to the parents.
    Even if the age to get a license in your state is 16, you must ask yourself is your teen mature enough and ready for the responsibility?

    No parent wants to say no to their children but feelings and emotions involving things like peer pressure and the ability to impress their friends have no place behind the wheel of a car. Being that traffic deaths are the number 1 reason for high mortality rates in teenagers.

    Let's face it, driving is all about responsibility. Are your kids good with following the rules, doing the chores, handling their emotional ups and downs sensibly? Only you know how your child will measure up to these questions.

    Here are some ideas from another parent.

    Many parents "basically cut their kids loose the minute they get their driver's license." That was not the case with the Cox family's oldest child, Rachel, who turned 16 in January and got her license in April. The decision to allow her to drive was tied to certain rules. Among them:

    She's not allowed to use a cell phone while driving. Cox checks the itemized statement to ensure the rule is followed.

    She's not permitted to have passengers (except for family) for at least a year. Cox sometimes bends this rule, depending on where her daughter is going and with whom.

    Rachel must continue to drive with her parents on occasion, so they can observe. And she's required to enroll in a New Driver Car Control Clinic.

    There was never any room for negotiation. Donna Cox has had the rules in mind since 1997, when she helped her best friend bury her 16-year-old son in Louisville. He had been driving just four days.

    "His death notice and picture have hung on my kitchen cabinet for the last nine years," Cox says, "so it's a daily reminder."

    Tuesday, May 5, 2009

    Swine Flu Update....

    The Swine Flu is receiving significant international attention. Now, the World Health
    Organization has raised the Pandemic Threat Level to 5 (out of 6!)

    Symptoms are similar to regular human flu: fever and chills, a cough, sore throat, aching limbs, headaches, and general malaise. However, there are reports of swine flu also causing diarrhoea and vomiting. Pneumonia and respiratory failure can occur leading to death as also happens in regular human flu, which kills thousands of people every year.

    And how are we preparing ourselves to battle this pandemic virus? It appears to many folks that we are spending a great deal of time scaring the pudding out of ourselves, lots of knee jerk reactions, and reports of an ominous nature.

    But, this swine flu outbreak should wake us all up to either getting our acts together and begin to plan for the reality of many other pandemic possibilities. Businesses as well as our schools and homes should have a plan. I love this definition given in one of the many swine flu articles I've read: "Cyberchondria is an anxiety disorder related to hypochondria and brought on by reading too many tweets with the #swineflu tag, listening to conspiracy theorists, and viewing online news stories about diseases that scare the sheesh kebab out of you for no good reason." All you good scouts out there, be prepared.

    Monday, May 4, 2009

    Stephenie Sings

    We've posted some fun videos of our commercials and just some fun around the office. Type of in "Stephenie Sings" on YouTube. Enjoy :)

    Thursday, April 23, 2009

    AIG aka 21st Century Insurance

    Troubled AIG has decided to sell their personal lines portion aka 21st Century. "The combination of 21st Century and Zurich Financial's 'Farmers Insurance' creates a three-way tie for third place in the private passenger auto insurance market," Farmers Chief Executive Robert Woudstra said in a media call.

    Of course questions come to mind for too many of us as to whether this will just create another Monster Insurance Company? Example in point, a few years back when the airlines began to acquire other airlines becoming large mega air carriers, did our airfares become more simple to understand and easier on the wallet? Did service become better? Bigger isn't always better and consumers sometimes find themselves with less options, poorer service...paying more and getting less.