safety

Discounts- Are you getting all the discounts you qualify for?

Let’s make sure… just in case something’s changed since we last talked. Call us so we can review together the possible ways you might save.

  • Safety Discounts — save with select safety devices.
  • Multi-car Discount — save up to 20% when you insure more than one auto.
  • Multi-policy Discount — save up to 25% when you insure your auto and home with us.
  • Life Multi-policy discount — save up to 5% on your auto premiums with a qualified life policy.
  • College Student Discount
  • Pay Plan Discounts
  • Driver Training Discount

 

  • Multi-Policy Discount – You can save on your homeowners insurance with each additional policy you add through the same company— auto, business auto, personal catastrophe liability or a qualifying life policy.
  • Fire, burglary alarm, sprinkler system credit – Install smoke alarms or a burglary alarm system in your home and take advantage of additional discounts. You could also save if your home is equipped with an automatic sprinkler system.
  • Advanced Quote Discount – You get a discount just for thinking ahead. If you get a quote seven to 60 days before your policy takes effect, you get this discount.
  • Longevity     
  • Life multi-policy discount     
  • New Home Discount    

Monthly Memo- May: Poor Service, Not Price Drives Auto Insurance Customers to Shop

Poor Service, Not Price Drives Auto Insurance Customers to Shop

While a poor experience with their insurer is the leading reason customers shop for, and ultimately switch to a new auto insurance company, declining new price satisfaction is the primary reason customers are less satisfied when they do switch insurers, according to the J.D. Power 2014 U.S. Insurance Shopping StudySM released April 2014.

The study finds that 30 percent of auto customers shopped for a new insurance provider in 2013, among whom 36 percent ultimately switched insurers. Increases in premiums do not drive shopping as much as poor experience. Customers who experience a premium increase shop at a rate of 13 percent—less than half the rate of shopping among those who have a poor experience (28%).

Price, however, is still important in the selection process—eight in 10 customers continue to select the lowest-priced insurer—and an increasingly important driver of new-buyer purchase experience satisfaction once customers have selected a new insurer. Overall new-buyer satisfaction with the auto insurance purchase experience averages 821 (on a 1,000-point scale), down significantly from 828 in 2013. The decline in satisfaction is driven by a 17-point drop in the price factor, which has the greatest impact on satisfaction.

“The insurance industry spends billions of dollars each year on advertising, and over the last seven years many of those ads have tried to entice customers with big savings,” said Jeremy Bowler, senior director of the insurance practice at J.D. Power. “While switching to a new insurer usually results in savings, the ads make promises of savings that a growing number of new customers don’t believe they’ve received.”

Erie Insurance ranks highest among auto insurers in providing a satisfying purchase experience for the second consecutive year, with a score of 843. Erie Insurance performs particularly well in all three factors. MetLife and State Farm rank second in a tie at 839, while American Family and Ameriprise rank fourth in a tie at 835.

The 2014 U.S. Insurance Shopping Study is based on responses from more than 16,900 shoppers who requested an auto insurance price quote from at least one competitive insurer in the past 9 months and includes more than 50,000 unique customer evaluations of insurers. The study was fielded in July 2013, October 2013 and January 2014.

Article by Insurance Information Institute- http://www.iii.org/insuranceindustryblog/?p=3649

BIKE MONTH

More people are biking than ever; indeed from 2000 to 2011, the number of bicycle commuters in the U.S. grew by more than 47 percent. We’re celebrating Bike Month with a reminder to ride safely and make sure you and your bicycle are properly covered. More info at #BikeMonth. http://bikeleague.org/bikemonth

Watch our Facebook for posts throughout the month of May on bike safety!  https://www.facebook.com/wilsonsitesinsurance

 

October 2013 Monthly Memo: Fire Prevention Week/Fire Safety

FPW13Banner

How Fire Safety savvy are you

Fires cause an estimated 3,500 deaths and nearly $4 billion in property damage in the United States annually — much more than hurricanes, tornadoes or floods. Yet many people ignore common fire hazards in the home and don’t prepare themselves or family members for this more common catastrophe. Set aside some time and effort to protect your home from a devastating blaze with these safety tips.

In this fun, animated video, Rover the Home Safety Hound and Freddie Flashlight teach children to stay away from things at home that might cause fire and burns.

 

This segment from NBC’s TODAY Show may surprise some parents, as it shows how kids can sleep right through the sound of a smoke alarm.

This video done by the NIST shows a VERY DRY Christmas tree on fire in a room. It takes a little over 30 seconds for the room to flashover. Keep your tree watered. Once it ignites (short circuit of a strand of lights, direct flame, etc) it will become a fully developed fire very fast and extend to the rest of the structure very quickly.

Home Fire Prevention and Safety Tips          *         Fire Safety for Children

 

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Fire Resources - a page of links and resources on these topics

  • Smoke Alarms 
  • Fire Extinguishers
  • Escape Plans (details/sample plan)
  • Chimney fires
  • Carbon Monoxide
  • Halloween Fire Safety
  • Household appliances
  • Cook Up a Safe Place
  • Buffer Home Heaters
  • Holiday Fire Safety
  • Personal Property 

September is Disaster Prepareness Month

If you only had 10 minutes to evacuate your home, would you be ready? What would you take with you? See how two families deal with an evacuation order, and what a difference having a plan can make. http://ow.ly/o5QSs

Ready your Family Emergency Plan…. http://ow.ly/o5TeB

In the event of a sudden emergency such as a hurricane, you may have just minutes to gather your family and important papers, and get out of your house, possibly for good. Are you prepared? Where would you go? What would you take with you? http://ow.ly/o5RQr

Sesame Workshop, along with its project partners has created Let’s Get Ready! Planning Together for Emergencies with tips, activities, and other easy tools to help the whole family prepare for emergencies – together! http://ow.ly/o5Siv

Build a kit for disasters and emergencies! (and don’t forget to update/refresh it) http://ow.ly/o5SFf

A Disaster Supply Kit should contain the following:

  • Water – at least 1 gallon daily per person for 3 to 7 days
  • Food – at least enough for 3 to 7 days- Non-perishable packaged or canned food / juices, foods for infants or the elderly, snack foods, non-electric can opener, cooking utensils / fuel, paper plates, plastic utensils
  • Blankets / Pillows, etc.
  • Clothing – seasonal, rain gear, sturdy shoes
  • Medical supplies – first aid kit, medicines, prescription drugs
  • Special Items – for infants and the elderly
  • Toiletries – hygiene items
  • Moisture wipes
  • Flashlight – extra batteries
  • Radio – battery-operated and NOAA weather radio
  • Cash – (Banks and ATMs may not be open or available for extended periods.)
  • Important documents – in a waterproof container- Insurance, medical records, bank account numbers, social security card, etc
  • Keys
  • Toys, books and games
  • Tools -  keep a set with you during the storm
  • Vehicle fuel tanks filled
  • Pet care items- Proper identification, immunization records, ample supply of food and water, a carrier or cage, medications, muzzle and leash.

Visit www.Ready.gov, and www.fema.gov/what-mitigation/plan-prepare for  a thorough look into disaster preparedness  and a more detailed list of emergency supplies. Also, www.Ready.gov/kids is an excellent  resource for information on how to involve children in the process of  assembling the family’s Disaster Supply Kit.