1 year ago ·
by kate2230 ·
Comments Off on 6 Reasons That Shouldn’t Hold You Back From Buying Life Insurance
What are the real reasons holding you back from getting life insurance? Are you like the majority of Americans who don’t have it, but say that they know they need it?
A study by the financial and insurance organization LIMRA shows that 6 in 10 Americans have life insurance—yet 30 percent of them feel they need more.
Does this ring true for you? If so, maybe it’s because of one of these reasons. *
1. It’s too expensive. Cost is the number one reason people don’t have life insurance. Yet another LIMRA study shows that 80 percent of consumers think term life insurance costs much more than it actually does. Life insurance is probably more affordable than you think—and there are lots of ways to bring the price into your comfort zone.
2. I have a health condition. The good news is that having a health condition doesn’t automatically disqualify you from getting life insurance. If you overcame a serious condition in the past or if you are managing a condition with the help of a medical professional, you can still be covered.
3. I don’t have any kids. There are many reasons people with no children still need life insurance. Just a few include providing for a financially dependent spouse or another family member, having the money to pay for a funeral or being able to pay off a loan that has a cosigner. Life insurance can also help you leave a gift to a religious, educational or charitable organization near and dear to your heart.
4. I don’t work outside of the home. If you stay home to care for kids or other family members, it may take hiring someone to replace all that you do. And that could be pricey, so definitely consider buying life insurance as a way to cover those additional expenses.
5. I’m not sure what I need. Most people don’t—but your Erie Insurance agent is there to help you. Erie Family Life offers options like term insurance that’s designed to last for a specific period of time and permanent plans designed to last a lifetime. Your agent can recommend one that works with your life and budget.
6. I don’t have the time. Life is busy, which is why Erie Family Life offers e-signature on life insurance policies to make the process easy and convenient. You can also consider ERIE LifeSense®, which can provide up to $90,000 worth of coverage in about 15 minutes. There are no doctor’s visits or
complicated forms—just a simple application with only a few medical questions.
Life insurance probably isn’t something you want to talk about, but it really is too important to put off. Your Erie Insurance agent can make the conversation about protecting the people that matter most as easy as possible. When it comes to life insurance, the only wrong choice is doing nothing at all.
*Life insurance and annuity products are not available in New York. – See more at: https://www.erieinsurance.com/Blog/2016/hold-you-back#sthash.Lo231ptM.dpuf
1 year ago ·
by kate2230 ·
Comments Off on 4 Ways to Avoid Big Car Repair Bills
They say that an ounce of prevention is worth a pound of cure.
That saying certainly applies when it comes to your car. By spending a little bit of time and money before things go south, you could potentially save hundreds of dollars in the long run.
Not sure what to do? Then check out these four tips.
1. Buy a battery charger.
Dead batteries are a common annoyance, and you never really know when your battery is going to need a boost. It usually happens at the most inopportune time—and if there’s no one around to help out with jumper cables, you may need to pay a tow truck to have your vehicle towed to a mechanic. Then you’ll have to pay your mechanic to fix the problem.
The solution? Get yourself a battery charger. You’ll be able to help yourself, and you’ll be able to help other drivers who break down as well. Of course, you’ll need to take a few minutes to learn how to use it properly. But that’s a small price to pay when you weigh it against the possibility of being stranded on the side of the road.
2. Get repair estimates and keep track of repairs.
Many people get sticker shock after taking their cars to a mechanic. It can be surprising how much it costs to change the brake fluid or to handle any other repair. Instead of passively bringing the car into the shop and letting the mechanic do his thing, ask him for an estimate. It will help prevent sticker shock if there are additional charges once the car is fixed.
Knowing the history of your car is invaluable to both you and your mechanic. Like a doctor with medical records, a car repair record can help a mechanic get a better idea of your car’s history and what is causing the problem. Every time your car is repaired, keep the paperwork somewhere safe. The easier it is for a mechanic to diagnose the problem, the less you’ll have to pay for repairs.
3. Stay on top of maintenance.
There are many things you can do to keep your car running smoothly. First on the list is to get regular oil changes. Oil changes prevent serious damage from happening to your engine, and they really don’t require much time or money. Virtually every auto shop (and even many gas stations) offer oil change services. Know your car manufacturer’s guidelines for oil changes and track each time you get one.
When you get gas, it’s a good time to check how your tires are doing. Check the pressure to see if your tires are low, and also look for embedded rocks or small objects. If there appears to be a problem, have it checked out as soon as possible. You don’t want to stall out on the highway with a flat tire.
4. Find a good mechanic.
If you suspect that your car has even the smallest of problems, it’s smart to get it checked out right away by a reputable mechanic. Sometimes a small symptom indicates a much larger problem.
Finding a good mechanic goes beyond scoping out good prices—it’s about finding someone you can trust. Before you bring your car into the shop, speak with a friend or family member about who they recommend. Read online reviews, and check if there are any complaints against the mechanic logged with the Better Business Bureau.
A final way to take good care of your car is by having auto insurance you can truly count on. The right auto insurance will help you bounce back after an accident—and can even offer you extras like roadside assistance and insurance to rent a car after an accident. Contact an insurance professional like a local Erie Insurance agent to learn more and to get a free quote.
Steve Moore has been in the retail automobile industry for 24 years. He started his career in 1992 as a sales person working for the Hanover Toyota car dealership in Hanover, Pennsylvania. Today, he is the general manager of Hanover Toyota.
– See more at: https://www.erieinsurance.com/Blog/2016/avoid-car-repair-bills#sthash.OWnXhxPt.dpuf
September is Life Insurance Awareness Month (LIAM). This industry-wide campaign from the LIFE Foundation is aimed at educating Americans about the importance of life insurance and helping them get the coverage they need.
1 year ago ·
by kate2230 ·
Comments Off on Danica Patrick Kicks Off Life Insurance Awareness Month
Each year, the nonprofit Life Happens chooses a spokesperson for LIAM. In addition to having star power, the spokesperson also has personal reasons for promoting life insurance.
This year’s spokesperson is professional stock car racing driver, model and advertising spokeswoman Danica Patrick. Danica has a very personal story about why life insurance is something she would never think of going without. Watch the video below to learn about it and to see why she is encouraging the 100 million Americans without life insurance to consider purchasing it.
If you think you might need life insurance (or think you don’t have enough) to protect your loved ones, contact an insurance professional like an Erie Insurance agent. He or she can help you find affordable coverage that gives you protection and peace of mind.
– See more at: https://www.erieinsurance.com/Blog/2016/danica-patrick-life-insurance#sthash.fIm9yY8g.dpuf
1 year ago ·
by kate2230 ·
Comments Off on Electrical Extension Cord Tips
“Oh my goodness, you have so many things!” exclaimed the person who first stepped foot in my dorm room.
Actually, it wasn’t just one person. Anyone who peeked their head in my room had the same comment: “You have so much stuff!”
I liked to think it was a compliment. Yes, I had lots of things. But they were cute things that I arranged nicely in an extremely tiny room.
Part of the issue with having so many books, decorations, lamps and any other college necessities is space. Extension cords became my savior. This past year, I had a piece of furniture covering every single outlet my teeny tiny room offered–and an extension cord peeking out of every end. I relied heavily on these magnificent creations, as did all of my friends. Extension cord safety was far from my mind.
So you can imagine my devastation when I was told that the one amazing contraption that made my dorm living so much simpler could actually be dangerous. What do you mean the Electrical Safety Foundation International says they’re responsible for 4,000 injuries and 3,300 home fires every year? You must be mistaken. Not my precious extension cords!
After some research (and a few days of denial), I must admit that extension cords pose many risks when used improperly. And I was guilty of not using them properly.
Chances are you aren’t either. So what can you do? Here are some extension cord safety tips to keep your dorm room–or wherever you call home–safe.
- Don’t use them for long periods of time. Extension cords are intended for temporary use only. If a cord is being used on a more permanent basis, you should look into adding some extra outlets to your rooms if possible. In addition, be sure to unplug a cord when it’s not in use.
- Get an approved cord. When purchasing an extension cord, check that is properly certified by a nationally recognized laboratory. Some of these include Underwriters Laboratories (UL), ETL-SEMKO (ETL) and Canadian Standards Association (CSA)
- Be careful where you put them. Don’t snake cords under a heavy object that may damage them. Also, don’t keep extension cords hidden under rugs or carpets or run them through a wall, ceiling or doorway. Not only can this pose a tripping hazard, but it can also pose a fire risk. That’s because heat from the cord is not able to escape, which could cause a flame to spark.
- Be aware of how you use cords. Do not plug extension cords into other extension cords. They were not intended to be used this way. By doing this, you are creating a very real fire risk. Also be wary of how many appliances you plug into the extension cord. Just because there are five outlets doesn’t mean they should all be used at once. By doing this, you could overload the outlet, which could be extremely dangerous.
- Inspect cords for damage before use. If a cord is damaged in any way, do not use it. Damaged cords are extreme fire hazards. If a cord is damaged, do not attempt to repair it yourself. This type of work should only be done by a professional—anything else can be extremely hazardous.
Dorm living may get a little bit more difficult without all my extension cords. But when looking at the risks associated with using extension cords the wrong way, it’s just not worth it. Next order of business: talking to my school about adding some more outlets to the rooms!
– See more at: https://www.erieinsurance.com/Blog/2016/electrical-extension-cord-tips#sthash.Czz6ORay.dpuf
2 years ago ·
by kate2230 ·
Comments Off on Ridesharing Drivers are Among the Safest
Convenience and ease of use are two reasons why people like ridesharing services such as Uber and Lyft. Now, you can add safety to the list.
A new study by automotive analytics firm Zendrive and research firm Aite Group suggests that ridesharing drivers are more safe than the average driver. The 12,000-person study revealed that ridesharing drivers are less likely to speed, drive aggressively or fumble with their phones. The study follows a report out of Pittsburgh showing that DUIs dropped by 18 percent the first full year that the city had ridesharing options.
Learn more about this encouraging news by reading the source article at latimes.com.
– See more at: https://www.erieinsurance.com/Blog/2016/ridesharing-drivers#sthash.gIQpWLev.dpuf