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4 Car Insurance Saving Tips

4 Car Insurance Saving Tips

1) Pay entire premium in advance to save on installment charges and possibly get a paid in full discount. 

2)  Don’t let your coverage lapse. Continuous insurance coverage is very important to insurance companies and therefore to the size of your premium. 

3) If you are a student or you have household drivers that are in school, maintain good grades to make sure you get and keep a discount. Good student discounts are usually available to drivers that are full time students with a B average (3.0) or better. 

4) Bundle your home and auto together with the same carrier, it can make for a better rate with the multi-policy discount.

As always, check with your agent to see what discounts may be available to you.

Call us for a discount check and coverage review.

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The Ins And Outs Of Motorcycle Insurance

The Ins And Outs Of Motorcycle Insurance

Readers new to riding motorcycles should know the majority of states require Motorcycle insurance. For the most part, policies that cover motorcycles are fairly similar to those covering automobiles. Those who have never owned a motorcycle may want to read on to find out a little bit more about how these policies work before they buy, though. After all, it’s always best to be prepared.


What Does Insurance Cover?
Most states require at least Basic Coverage. These policies typically cover liability for damage to other vehicles or properly and bodily injuries to drivers and riders. Depending on the company chosen and the type of policy riders take out, they may need Extra Coverage for things like damages to bikes that occur due to natural or human-made disasters rather than collisions. Some riders may also be required by state law to take out SR-22 insurance policies if, for example, they’ve been caught driving without insurance, have suspended licenses, or have been convicted of a DUI.

Determining Coverage Amount
State minimums for insuring motorcycles and riders can vary greatly, so it’s best to ask an agent about options prior to deciding on a policy. It’s usually not a good idea to go for the cheapest possible policy, as more comprehensive coverage can be extremely helpful. Riders who are worried about cost should know that many companies offer Discounts to those who bundle their insurance for their bikes with homeowners insurance, renters insurance, or traditional auto insurance.

All the Extras
It’s often possible to take out policies that offer far more comprehensive coverage. This may include roadside assistance, rental coverage, trailer coverage, accessory coverage, or even trip interruption coverage. Taking out a comprehensive plan will ensure that riders are protected under all possible circumstances.

What to Compare
In addition to checking out the cost of a particular policy, it’s also a good idea to ask about deductibles, coverage limits, and exclusions. For example, some policies will not cover riders who are engaging in extreme riding behavior like racing their bikes. It’s important to know what the policy will cover so riders can compare apples to apples when they are deciding on a plan.

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Road-Trip Your Way To Baseball Statiums Across The U.S.

Road-Trip Your Way To Baseball Statiums Across The U.S.

Love baseball? Enjoy a good road trip? Why not take a cross-country excursion to visit the nation’s most popular baseball stadiums. Check out the tips and resources below to plan your all-American sports adventure.

Check the Schedule
The 2016 Major League Baseball season is tentatively scheduled to start Sunday, April 3, and end Sunday, October 2. Decide how long you’d like to be on the road and which stadiums are on your must-see list. Consider the two oldest major league ballparks: Fenway Park in Boston and Wrigley Field in Chicago. You can find the 2016 MLB schedule here.

Plan Your Route 
Use this baseball road trip planner to help you plan your trip and figure out the best course to take. Select your favorite teams, and enter your start and end dates. Click the “Plan Your Trip” link to open up the corresponding schedule. From that page, you can map your trip. Also check out this guide to the best stadiums; it includes suggestions on where to eat, drink, sit and stay.

Visit Fan-Worthy Attractions
While you’re on the open road, be sure to stop at iconic baseball attractions along the way. Consider checking out the Baseball Hall of Fame in Cooperstown, New York; the Louisville Slugger Museum and Factory in Kentucky; or the site of the classic baseball movie “Field of Dreams” in Dyersville, Iowa.

Once you have your route and schedule worked out, see if you have time to visit additional tourist hot spots that interest you or maybe just leave some time for relaxing or casual exploring. Happy road-tripping!

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Keep Your Children Safe On The Road

Keep Your Children Safe On The Road

As a parent, keeping your child safe from harm is a top concern, and it’s particularly important when they’re inside a moving vehicle. In honor of Child Passenger Safety Week, September 18 to 24, remember these basic guidelines to help keep your kids safe on the road.

  1. Use the right car seat or booster for your child based on their age, weight and height. There are three main types: rear-facing car seats for infants and toddlers, forward-facing car seats for toddlers and preschoolers, and booster seats for children ages 8 to 12 years. Once the vehicle’s seat belt fits your child properly, it should be worn at all times.

  2. Always keep kids 12 and younger in the back seat. The powerful force of an air bag deploying can cause serious injury and may even be fatal for children.

  3. Buy your car seats new or from a trusted source. If you can’t verify a car seat’s full past, including the expiration date and accident history, don’t get it.

  4. Get your car seat inspected by a professional. Improper use or installation of a car seat can put your child’s safety at risk, and it’s more common than you might think.

  5. Set a good example for your children. Always keep your own seat belt safely fastened.

In addition to these guidelines, all 50 states have child safety seat laws with different requirements and penalties. Make sure you’re following your state’s laws and keeping your child as safe and secure as possible when riding in the car.

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Summer Vacation And Time Away From Home

Summer Vacation And Time Away From Home

Summer Vacation and time away from home.

As the Independence Day/Fourth of July holiday weekend approaches, many Americans are making plans to be away for several days or take advantage or the long weekend to get a head start on their summer vacation.

According to the U.S. Department of Justice’s Bureau of Justice Statistics, you’re more likely to be a victim of a burglary during the summer months, and thieves are looking both inside and outside your home. Even if you have a monitored alarm system at your home, you may not be fully protected.

Consider what is outside the home. Some or our most valuable items are not inside protected by the locks and alarms. For instance, Bicycles, ATV/UTVs, Boats, AC system compressors, vehicles or swimming pool filters. Even Mowers and sporting equipment kept in a shed or barn are not as protected as you might think. It is a known fact in the legal profession and by law enforcement officers that a lot of thieves will target items not in the home due to the fact that if they were caught they may not receive as large a penalty as they would have if they broke into the home.

What can be done?

First off, make sure your exterior buildings are secure. Use good looks and see if it is possible to add these buildings to an existing monitored alarm system. You should also consider exterior motion lighting around the perimeter or outbuildings and the dwelling.

Second, talk to neighbors and let them know that you will be gone. Ask them to keep an eye on the place while you are away. Note: Do not tell anyone nonessential that you will be gone. That goes double for Social Media.

Remote cameras. Consider placing cameras on the exterior of your home. The presence of these cameras may deter a thief from causing harm to your property or at least documenting the crime if someone does decide to vandalize or steel from you.

Also consider having a family member or close friend stay at your house while you are gone. A home that has activity is far less likely to be hit by thieves than one that is empty.

Of course, if all else fails you still have your homeowners insurance. Call Taylor & Associates at 937-962-2123 today or contact us by email to do a quick review of your insurance coverage to see if you have any gaps that may need to be addressed.