Sunday, February 23, 2014

Hidden Hazards in Your Home

The Coalition for Consumer Health and Safety says many household injuries can be prevented. Steve Brobeck of the Consumer Federation of America says by taking some simple steps, you can protect yourself and your family from serious injuries. Falls are one of the most frequent causes of serious injury. Use double sided tape to secure loose rugs and place rubber mats in bath tubs and showers. Use step stools with hand rails, and be sure your child's crib is safe. Discard old cribs which might not meet current safety standards. The Insurance Information Institute says a few simple steps can prevent thousands of serious injuries from occurring.

Thursday, February 20, 2014

Is an Annuity Right for You?

This video is from the Insurance Information Institute. For more information about insurance, go to the I.I.I. Website at

Monday, February 17, 2014

CalChamber News Video Features In-Depth Discussion of California Drought

(February 13, 2014) Today, the California Chamber of Commerce released its newest edition of CalChamber News featuring an in-depth discussion of issues stemming from California's historic drought.

Friday, February 14, 2014

Protect Your Home Against an Earthquake

This video is from the Insurance Information Institute. For more information about insurance, go to the I.I.I. Website at

Tuesday, February 11, 2014

Avoid Auto Insurance Rate Increases

There are several ways to avoid auto insurance rate increases, and most of them have to do with a lack of proactive action on the part of the vehicle owner. Here is a list of the main reasons why car owners fail to capitalize on lower insurance quotes:
Traffic Violations:
This is one of the main reasons that auto insurance can suffer from rate increases without the awareness of the vehicle owner. Starting at a 3 percent increase for simple violations, infractions such as being booked for reckless driving can end up costing a policy holder more than 20 percent in rate increases on their previous policies. Safe driving is one of the best ways to keep your auto insurance premiums down, apart from being a sensible practice on its own.
Shopping for New Car Rates:
People often find that when they buy a new car, they're loaded with ridiculously high insurance premiums. You can avoid this by getting insurance quotes on all potential vehicles that you're considering purchasing. Some of them will have different insurance ratings because of factors like built-in safety features, etc. For example, a car with an automatic braking system (ABS) with brake assist will probably attract a lower premium than a car without, because of the smaller likelihood of the car going out of control and crashing on a wet road, for example. Similarly, there are several other factors that go into arriving at a final insurance rate for a particular vehicle, so do the research so you don't get left in the lurch.
Periodic Insurance Shopping:
When the time comes to renew your insurance, don't just renew with your existing provider. Rather, shop around online and look for reputed insurers with high service ratings who will be likely to give you better deals on your renewal. Companies constantly strive to attract customers away from their competitors so they will definitely have a promotional that they can give you to help you save money and bring you over to their side, so to speak. Use the market competition to your advantage and get multiple quotes before making your decision.
Policy Review at Renewal Time:
Even if you're convinced that you're already getting the best rates from the best possible insurance provider, be sure to review your policy for missing or unnecessary elements. For example, traffic tickets that may be out of the statute of limits, or discounts that may not have been applied. You might be able to avoid rate increases in auto insurance just by taking this simple action.
Multi-policy Discounts:
A lot of policy-holders may not realize that they get additional discounts for having several policies with the same company. For example, if your housing insurance is underwritten by the same company as your auto insurance, then you're probably eligible for discounted rates on both. Don't ignore this as an option to help you save money.
Hiding Information:
This is the worst thing to do: not telling your insurer about a new driver handling the car or about traffic violations that you may have. Insurers are authorized to back-charge you for any bit of missed information when it comes to calculating your future renewals or at the time of paying out on a policy, so be sure that you give them all the information that is relevant to the policy.
These are just a few tips to avoid rate increases on your auto insurance. Remember, don't assume that the rate you're getting is the best deal out there - there's always another way to keep your rates down and get whatever savings you deserve.

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Saturday, February 8, 2014

Homeowners Insurance Quiz

This video is from the Insurance Information Institute. For more information about insurance, go to the I.I.I. Website at

Wednesday, February 5, 2014

Automobile Theft

Every ten seconds a car is broken into somewhere in the United States. An experienced thief can brake into your car in 5 seconds, and braking into the trunk is even easier. Viet Nguyen of the Arlington County, VA police department advises parking in well lit areas. Another way to protect your car is by installing anti-theft devices such as wheel locks and ignition cut-off switches. The Insurance Information Institute urges drivers to always lock their cars. By making your car harder to steal than the one parked next to it, you lessen the likelihood that your car will be stolen.

For more information about insurance, go to the I.I.I. Web site at

Sunday, February 2, 2014

Tax Deductible Losses

If your house or other expensive property was damaged by a fire or a flood or other sudden unexpected disaster, some of your losses could be deducted on your taxes. This video is from the Insurance Information Institute. For more information about insurance, go to the I.I.I. Web site at