This week we helped a few clients who recently moved to NH with car insurance. It made me appreciate how affordable New Hampshire Auto Insurance really is.
A recent article shows that NH is the 4th most affordable state for car insurance. As an independent agent we research different carriers and recommend the best fit for each client and their unique situation. Here is a quick summary of 2 new clients who bought insurance from our agency.
Client #1- Progressive $300 Savings
Gentleman, age 51, was relocating from Florida to NH and needed to change his auto insurance. (This time of year you would expect someone to move in the opposite direction!) He bought an auto insurance policy through us from Progressive and saved over $300.
Client #2- SafeCo Auto Insurance Savings of over $500
Lovely couple relocated from Baltimore area and bought an apartment renter's policy and auto insurance on 2 vehicles. On the cars they saved over $500 compared to what they were paying in Maryland- and got better coverage (No deductible on Glass and Higher Liability Limits).
Whether you are new to NH or have lived here all your life - please give us a call for an auto insurance quote. If you haven't shopped in the past 24 months I think you will be pleasantly surprised..!
Mom and Dad you have done your best, your kid has arrived at age 16 in one piece.
All those hours you spent teaching your kid to drive plus a little Driver's Ed has helped give your kid confidence when it comes to driving and with the dreaded parallel parking on the exam. But before your child gets behind the wheel, buckles up and turns the key- here are a few tips:
1. Talk with Your Kid
Please let them know the enormous responsibility of driving, and the importance to drive safely. Statistics don't lie, in the US each year a third of teen deaths are caused by motor vehicle accidents.
Many parents will set ground rules that impose common sense limits like:
Here are some helpful resources for parents of teen drivers.:
Children's Hospital of Pennsylvania Resource (Excellent!)
Parent Teen Driving Agreement
2. Shop Around
Prior to your son or daughter getting their license it's a good idea to call your insurance agent and ask their advice. Local Trusted Choice Agents know how important it is to find the right insurer for a family with teen drivers- and they probably already know the insurers that offer the best deal for teens in your area.
Make sure you take advantage of all the discounts that are available, like:
3. Consider Making Changes to your policy- to reduce the increase of adding a teen driver many families will consider increasing deductibles on newer cars, and perhaps removing collision from older vehicles. But prior to doing this please make sure you have the budget to absorb a potential increase in deductible or total loss.
4. Plug-In Devices
Mom and Dad may not like Big Brother watching their driving, but it's a great learning tool for young drivers. Several insurance companies offer a device that will monitor a driver's speed, time of day, and risky driving. Insurers usually offer a discount for participating in a program that monitors driving patterns and provides feedback to the driver on how to drive more safely.
Two great monitoring programs are the Progressive SnapShot the SafeCo Right Track.
5. No Phone Use
On the road each day it is easy to spot distracted drivers of ALL AGES. Some states like Massachusetts BAN the use of cell phone for teen drivers. One less worry for Mom and Dad is the requirement that kids do not use their phone at ALL when they are behind the wheel. If parents believe their kids will not comply check out some of the downloadable apps that you can use to ensure no phone use while driving.
Apps that Make Driving Safer
Good luck Mom and Dad, if you would like some help making sure you get the best car insurance rates for your family please give us a call at 1-888-882-2909.
I came across this sheet called Which Door Could You Enter to Get Health Insurance? on the CMS Website. It is really kind of interesting- and shows where different people can buy health insurance
If you are not sure about which door you should enter give us a call 1-888-882-2909.
Each year, in advance of the Medicare Open Enrollment (10/15-12/7) I conduct seminars to educate Senior Citizens about the many aspects of Medicare.
This year I was grateful to be invited to speak by Thomas Brueckner of Senior Financial Resources, a firm that specializes in helping retirees and pre-retirees plan for their financial futures. At their Nashua location, Senior Financial Resources has a classroom where they provide education on Social Security, Retirement, Investments, Real Estate and other important topics.
My educational Medicare 101 presentation focused on:
I enjoyed the well attended event, and I am thankful for the attendee feedback provided that will help strengthen the presentation in the future.
For more info about Senior Financial Resources please call 603-595-4990, or visit their website today.
Talented Caitlin Donohue stars as Sherry (aka Scheherazade) in the Atlantic Theater Company's production of Bobby Lopez's 1001 Nights. See great review the show received from the NY Times Here!
Show runs through October 16, for tickets or more info:
Atlantic Theater Company at the Linda Gross Theater
336 W. 20th St.
In the past 20 years homeowners insurance rates have increased over 50%. Today, the US average annual premium for homeowners insurance is $952. (Source Value Penguin)
Here are 8 things you can do to make sure you are not paying too much for your home insurance:
Great Article on Loss Assessments: Home or Condo
Posted: 12/06/2011 9:56 AM EST By Trusted Choice Staff Writer
If you live in a home in a developed area or subdivision, there’s a reasonable chance that you are a member of a homeowner’s association. The same is true if your pad is a condominium.
Association membership has its benefits. In return, members of the association are sometimes asked to contribute funds to help maintain the integrity/value of the common elements. Those common elements—a garage or clubhouse, for example—are those items of property commonly owned by all members. “Asked” may be too soft a word—such contributions usually are collected through mandatory assessments.
What are some things for which you as an association member can receive an assessment? Good question. The answer is typically found in association bylaws. In some states, laws will have something to say about the extent an assessment can be charged and for what it can be charged. However, such statutes do not exist everywhere.
Here’s another question: If you receive an assessment from your home or condo association, will your home or condo insurance policy help you pay for it?
The answer, well, depends.
Most home and condo insurance policies have very similar language in how they address coverage for loss assessment. There are a few things you will need to know before coverage can be determined.
Key considerations to review when purchasing insurance