How To Save On Your Auto Insurance Policy

Car Insurance Savings

The 2015 spring season is here, and while you are planning all of your summer trips, you may be looking for ways to save money. As you start pinching pennies to afford that Hawaiian vacation, take a look at your auto insurance policy to see if you can save money with your coverage. Keep these car insurance savings tips in mind to see when you can save on your car insurance policy.

  • Shut your sunroof – while your car is parked, make sure that your sunroof is completely closed. If you leave it open and a sudden spring rainstorm hits, you will most likely be left paying for the damage to the interior of your car out of your own pocket, especially if you do not have comprehensive coverage.
  • Figure out how much you drove – if you have cut down on the number of miles you drive each year, such as if you retired or started working from home, you may be able to drop your premiums. The less you are on the road, the less likely you are to get into an accident, which may help to keep the cost of your policy low.
  • Raise your deductible – increasing your deductible is a great way to lower your monthly payments. Keep in mind that your deductible is the amount that you will have to pay out of your own pocket before your coverage kicks in, so make sure your deductible is something that you can actually afford.
  • Look for discounts – the more discounts you qualify for, the more money you can save. Ask your insurance agent if there are any discounts that you can qualify for but are not already taking advantage of.

Contact The Insurance Shop in White Bear Lake, Minnesota for all of your car insurance coverage needs this season.

It is Time to Break Out Those Snow Shovels!

Snow on Driveway leading to home

Snow on Driveway leading to homeThe cold winter weather is here, and if it has not already started snowing at your home, it will soon. Although shoveling snow out of your sidewalks and driveway may seem like a bothersome task, it is essential to making sure that nobody is injured when they come to visit. Keep these tips in mind to help keep your driveway and sidewalk clear of snow and ice.

  • Remove snow in a timely manner – it is especially important to make sure that you shovel your sidewalk and driveway during a snowstorm since the compressed snow can easily turn to ice, making it much more difficult to remove. The job is much easier with less amount of snow on the ground.
  • Stay safe while shoveling – snow is very heavy, especially when there is a lot of it. Push the snow to the side when you are shoveling instead of lifting it out of the way so that you do not injure yourself.
  • Take advantage of sunshine – sunshine will melt ice, which will make it easier to clean up. Spread gravel or sand on icy patches before they fully form to help create more traction. It will also help future cleanup of the icy patches.

Keeping your sidewalks and driveways clear of snow and ice is the best way to prevent someone from getting injured when walking by your house. If someone is injured on your property, you can be held responsible for any medical bills associated with the accident. The injured party also has the option to sue you for more money because of the injury.

Having the right homeowners insurance policy is the best way to make sure that you are protected in case of an accident at your home this winter. Contact The Insurance Shop in White Bear Lake, Minnesota for all of your home insurance needs.

Get Your Business Ready for Black Friday With These Tips

commercial insurance

commercial insuranceThanksgiving is just a couple of days away, which means so is Black Friday! As a retail business owner you probably have mixed feelings about the day, it is one of your busiest days of the year but it will also be stressful. With the day fast approaching, it is important to make sure that you are fully prepared. Keep these tips in mind to help get your business ready for Black Friday!

  • Put your best foot, or deal, forward – put up signs for your biggest discounts in the front of your store to help guide people to the most desired items. Also, consider putting signs and advertising deals outside of your store to help entice people to make it into your store.
  • Set your alarm extra early – even though you may want to sleep in after your Thanksgiving feast, set your alarm as early as possible. Most people look for stores that open as early as possible to get the best deals around.
  • Get social – social media is the best way to reach the largest group of people to let them know about your deals. Make sure to post on all of your social media accounts, such as Twitter, Facebook, and Instagram.
  • Reward your customers – send out emails to your regular customers by sending special discounts and notices through email.
  • Increase your insurance coverage – Black Friday will bring many more people into your store than you are typically used to dealing with. Make sure to increase your business insurance so that you will have the right amount of coverage for any unfortunate situation that may happen.

For all of your commercial insurance needs this holiday season, contact the insurance experts at The Insurance Shop in White Bear Lake, Minnesota.

Stay Safe This Halloween with These Tips

Frightening girls

Frightening girlsHalloween is almost here! While preparing your costume and home for all of the Halloween parties, it is also important to make sure that you know how to stay safe this holiday. Keep these Halloween safety tips in mind to ensure that everyone has a fun and safe holiday.

  • When choosing the right costume for your children, opt for light colored costumes so that they will be more visible to passing drivers. Also, make sure the costume is a good fit to avoid tripping and falling while trick or treating.
  • If your child insists on a dark costume, use reflective tape or stickers to make them more visible to drivers. Have them carry a flashlight or glow stick to help them see in the dark and to help them be seen by others.
  • Before you head out to go trick or treating, plan out your route and stay in neighborhoods that you are familiar with. If your older children are trick or treating with friends, set a strict curfew on when they have to be home.
  • Teach your children to only cross the street in designated crosswalks and to always follow traffic laws and traffic lights.
  • Consider using a glow stick or electric candle to light up your pumpkin. If you have to use a real candle, make sure to place the jack o’ lantern on a sturdy table away from any flammable items, such as curtains.
  • Before allowing your children to enjoy their candy, check each piece and throw out any candy that is open or looks like it has been tampered with.

The Insurance Shop in White Bear Lake, Minnesota would like to encourage you to keep these tips in mind so that you have a safe and fun Halloween!

Speed Up The Claims Process With a Home Inventory

Checklist

A home inventory list can make the processing of your claims at least 70% faster than it would have been without one. Processing a home insurance claim does not need to be as tedious as it sounds. Taking inventory by making a list of belongings and keeping track of receipts can make your claim a whole lot more efficient.

A home inventory is an easy way to speed up an insurance claim turn around and the best part is, once you start your home inventory list it is simple to keep it updated. Here are some tips to help you get started with your own home inventory checklist:

  • List off your possessions by category, age, and price. Include information about the condition of your item, the purchase price, cost of replacement, and where and when you purchased an item.
  • You can use photographs or video to simplify the inventory process.
  • Pay special attention to your more costly possessions and make sure to record the serial numbers of these items in your inventory.
  • Hold on to any receipts you may have especially for items that are more expensive.
  • Keep two separate copies of your inventory at home and in a safe place away from home.
  • Estimating the cost and replacement cost of an item is something you need to do when you file a homeowners insurance claim. Know that prices may fluctuate depending on the value and age of an item.
  • Inventory can be very time-consuming but there is no need to fret, you do not need to finish it all in one day. Tackle your home inventory list with one room at a time to make it more manageable.

The Insurance Shop wants you to be prepared with all the tips and tricks to simplify the insurance process. We are here to answer any of your life insurance questions and offer you the best insurance solutions for your needs. The insurance shop is a group of experienced insurance agents in White Bear Lake, Minnesota offering coverage options ranging from homeowners insurance, cyber liability, life insurance, and auto insurance at a competitive price. Contact us today to get started with your coverage.

Back to School Carpooling Tips

Welcome back to school

With the new school year starting, it can be stressful getting back into the routine of getting the kids ready for school in the morning. It can also add stress if you are in charge of carpooling with your neighbors to get all the kids to school. Keep these simple back to school carpooling tips in mind to ensure that everyone gets to school on time, and your morning is a stress free as possible.

  1. Get organized. Work out a schedule that works for all the parents involved in the carpool program. Make sure that all of the responsibility is evenly distributed.
  2. Know emergency contacts. Make sure that everyone who is involved in the carpool program has a list of emergency contact information in case of any unfortunate situation that may arise.
  3. Think about your after school activities. Consider creating a carpool program with children who do the same extracurricular activities as your child so that the responsibility are evenly distributed.
  4. Stay safe. Before your child get into another parent’s car, make sure that they know how to stay safe in the vehicle, such as always wearing their seat belt and not distracting the driver.
  5. Be on time. Make sure that you child is always ready when they are getting picked up in the morning, and that you are always on time when it is your turn to drive.
  6. Keep your child updated. Make sure that your child always knows who is picking them every day and where they will be getting picked up.

The new school year is also a good time to look at your insurance coverage to ensure that you are covered in any situation. For all of your Minnesota auto insurance, home insurance, and umbrella insurance needs, contact the insurance professionals at The Insurance Shop.