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3 Home Security Tips to Consider this Summer

by Anita on July 7, 2017

Your home should be your safe shelter, but the fear of burglaries and break-ins can make any home feel a little less inviting. As one of the top providers of home and renters insurance in Philadelphia, PA, we see firsthand the spike in break-ins during the summer months. In fact, oftentimes July and August are the most common months of the year for burglaries and robberies because people are away on vacations. Therefore, consider these tips to keep your family safe, and make sure that your summer stays easy and carefree.

  • Check your windowsWhy do break-ins spike during the summertime? One cause is that homeowners and renters frequently leave their windows open when they are home to get some air, then subsequently forget to close them when they go out. An open window is like a golden ticket to a thief because the person can enter your home without leaving signs of forced entry. Before you leave your home, make it a habit to double-check that all doors and windows are closed and locked before going out.
  • Be wary of door-to-door sales – With the advance of online shopping, the door-to-door salesman is pretty much a thing of the past. However, a common tactic that thieves use to choose targets is to pose as door-to-door salesmen. The thief will pretend to be selling something, or will pose as an uninvited handyman looking for work. When you let the person into your home, he or she is secretly making a mental note of where obvious valuables are for when the person robs the home later. If a salesman comes to your door, tell the person that you are not interested, or hear the pitch outside.
  • Don’t announce your vacation – Everyone loves posting on social media, especially if they have an exciting trip planned. However, by announcing to the whole world that you are leaving your home for up to a week, you are essentially inviting thieves into your house. Save the beach updates until after you’ve returned home.

Even the most diligent homeowners or renters can still be the target of break-ins. Speaking to a licensed provider of home insurance in Bensalem PA can make sure you’re protected if something does happen.

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Anita3 Home Security Tips to Consider this Summer

Get Your Vehicle Ready for Summer with These Tips from Freedom Insurance Group Inc.

by Anita on June 20, 2017

Make sure you prepare your vehicle for the summer season. With the cold weather gone, Freedom Insurance Group, Inc., a company that offers low-cost insurance to residents of Bensalem, PA, and the surrounding communities, wants to make sure everyone remembers to adjust their vehicles accordingly. Some summer maintenance on your automobiles will be helpful in the long run, saving you both time and money.

A vital factor when it comes to maintaining your vehicle during the summer is ensuring that the coolant system is operating correctly. A properly running coolant system keeps the engine cool when it’s hot in the summer. We also suggest checking the radiator and hoses for leaks and cracks. Aim for 200 degrees Fahrenheit, so the engine doesn’t overheat. Furthermore, we advise that you regularly look at the temperature gauge, located on the dashboard. Should the engine get too hot, we recommend that you act immediately.

If you put winter tires on your automobile, now is the time to make the switch to summer tires. Just by adding a new set of tires you’ll have better tread as well as the benefits of using summer-specific tires. To make the change, take a spare set of rims to any mechanic, and he or she can easily take care of it for you. Another option is to use tires that are good for any time of year. It’s less work for when the weather changes, but they won’t last as long since you’re using them year-round.

Perhaps most important of all, Freedom Insurance Group, Inc. urges you to have your brakes checked. Rain is most prevalent during the summer leading to puddles and wet roads, and therefore, wet brakes. Not only that, but hot weather can cause the temperature of the brake pad system to rise, which in turn causes your brake pads to erode at a faster rate. Speak with your mechanic to find out if it’s time for you to upgrade your brake pads.

Sometimes, accidents happen anyway. You can prepare yourself and your car all you want, but that won’t prevent them altogether. When that happens, you’ll want Freedom Insurance Group, Inc. by your side. Besides our car insurance policies, we also offer policies for renters, life, and home insurance to those who reside in Bensalem, PA and many other areas.

If you’d like to purchase a policy or update your current one, please give us a call at 215-375-7733. Otherwise, browse the rest of our website for more information.

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AnitaGet Your Vehicle Ready for Summer with These Tips from Freedom Insurance Group Inc.

10 Ways to Maintain a Safe Home Between Seasons

by Anita on April 3, 2017

We want you to feel safe in your home! Freedom Insurance Group, Inc. cares about more than just your home insurance in Yardley, PA; we care about your safety and your budget. In order to prevent potential hazards, accidents, or other problems from taking you by surprise, try these helpful tips for maintaining a safe home between seasons.

 

Outdoor Inspections

  1. Gutters: Easy to clog and get backed up with debris over the fall, gutters should be cleaned out and repaired or replaced when necessary. Check how the water is flowing and draining to prevent water damage from eroding your siding or causing damage to the roof.
  1. Trees: The weight of snow often causes boughs to bend and eventually break. Fallen limbs might go unnoticed while you are less likely to spend time outdoors, so take a minute to pick up stray branches in the driveway or yard that are large enough to trip over or cause damage to cars and other vehicles. Make sure to trim healthy yard plants back from electric wires, cooling devices, air filters, and other machinery.
  1. Roof: Harsh winter weather can do a number on your roof. Make sure to inspect your roof before the excessive heat of summer sets in, which can open any cracks caused by ice from previous months. Don’t forget the roof of your garage, shed, or any other enclosed structure on your property!
  1. Landscaping Equipment: Often, landscaping tools go several months before being reused, and it is easy for them to erode or for parts to break while remaining unmaintained for too long. Avoid accidents by checking all equipment for missing or loose pieces, and rust (that could cause it to break unexpectedly).
  1. Windows and Doors: Important for internal and external safety, windows and doors are used heavily year round. It is imperative to check and make sure all locks are functioning and have at least two matching keys to go with them. Inspect the seals on your windows and doors routinely, so that you don’t acquire any costly drafts or unwanted pests.
  1. Heating and Cooling Systems: Both your heater and your air conditioner run nearly constantly during half of the year and sit dormant for the other half. Prolonged use as well as staying stagnant leads to natural degradation and a need for inspection. Right before Spring is the perfect time to hire a professional to tune up these systems and replace your furnace filter or other air filtration devices.

 

Indoor Inspections

  1. Electric: One of the most common causes of household fires is actually from faulty wiring! Without checking your electrical outlets and cords for potential fire hazards, you could be putting your home at risk, or even yourself.
  1. Fire Extinguishers: Make sure to look over your fire extinguisher before backyard barbeques have a chance to set dry grass ablaze. Check the nozzle, hose, and pressure gauge to ensure that your fire extinguisher is ready to operate and easily at hand.
  1. Smoke and Carbon Monoxide Detectors: It is easy for smoke detectors and carbon monoxide detectors to run out of battery and turn off without a homeowner noticing. Carbon monoxide is colorless and odorless, is lethal if inhaled for too long, and can come from machines present in your home. Be sure to replace the batteries for your detectors at regular intervals, because they could potentially save your life and that of your family.
  1. Vents: Clogged vents that help to circulate air can negatively influence physical health if they are not cleaned properly. The vent to your dryer can cause warm air to cycle back into the room and raise household temperatures; it can even become combustible if too much lint accumulates. Simply cleaning the vents that you can reach could prevent a more costly electric bill and avert a medical bill.

 

Here at Freedom Insurance Group, Inc., we want to help you stay safe throughout the year and avoid having to pay extensive bills unnecessarily. If you are a homeowner and looking for a package to also cover your car, combining our home insurance with  auto insurance in Yardley, PA could save you an additional 15%! Just like you want the best for your family, we want the best for ours. We promise to always provide the coverage that you and your family deserves, while always trying to save you as much money as we can.

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Anita10 Ways to Maintain a Safe Home Between Seasons

2 Ways to Save on Your Car Insurance with Lifestyle Discounts

by Anita on February 23, 2017

Paying your car insurance bill each month is definitely a drag, but not for those who keep the coverage, but cut the premium! With Freedom Insurance Group, offering auto and home insurance in Philadelphia, you won’t have to look anywhere else. We will take your budget and work with you to find the best coverage you can get. We understand that the last thing you want to pay for is your car insurance bill (or any bill for that matter), that is why we want to open your mind to two ways you can start saving!

 

 

  1. Good Student Discount

If you or your child is under the age of 22, you are eligible for a discount of up to 20% just for getting good grades. Use this as motivation to study harder and grind those gears! It will save you money you can use on nights out with friends, travel, and, of course, coffee. All of those A’s you have worked so hard for will literally pay off with the Good Student Discount. Students will need a B average to qualify for this benefit.

 

  1. Defensive Driving Courses for Senior Citizens

As people age, it is important to adjust accordingly to weaker vision and slower reflexes as well as acquire the skills of up-to-date driving techniques. By offering a defensive driving course to improve the ability of seniors behind the wheel, insurance companies are able to offer discounts on their car insurance. Because senior citizens have a high risk of collision, it is very important to be covered by the right insurance while saving where you can. Consider taking Defensive Driving Courses to lower your monthly payment and still receive the same coverage to protect you.

 

Car insurance in Bensalem, PA and surrounding areas, can be lowered with these lifestyle discounts. Please consider saving on your bill by letting us at Freedom Insurance Group take you under our wing. All of our clients are treated like family; we are all in this together. We want to help you save as much money as we can while ensuring that you get the coverage you and your family deserves.

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Anita2 Ways to Save on Your Car Insurance with Lifestyle Discounts

5 Key Ways to Save in the New Year

by Anita on January 26, 2017

Since 2017 hit, everyone has been looking for ways to save this year. 2016 wasn’t so kind, and with bill after bill, it can be overwhelming.  Instead of worrying about tomorrow, it’s important to think about today. What can you do?  

We at Freedom Insurance Group have put our heads together to come up with ideas for you to think about so you can save money this year. It’ll be a hard, long road, but the extra money will add up over time, eventually saving you quite a lot. Ride it out with us, and see where it takes you.   

  1. Switch up your grocery habits
    First, you have to ask yourself, “What are my grocery habits?” This bill varies significantly from household to household, and it can be anywhere from $70-$1,500 a month for just two adults. If you have a larger family, you could be spending even more than that. By changing things up a little bit, shopping around, using coupons or making a few sacrifices, you could lower your monthly costs by a lot. Ice cream isn’t always necessary (but most of the time it is).
     
  2. Never pay the full price
    Coupons are the answer — that is, if you really need what you have in your cart. Always make sure you are buying something you actually need, and not just because it’s on sale. Search online for coupons, check your mail, ask at stores, and talk to your friends for advice. That way, you are never paying for items you need at full price. 
  3. Reduce your energy costs
    There are many things you can do in your home to reduce your monthly bills. Get a programmable thermostat. Check the caulking on your windows and doors. Replace all the lightbulbs in your home with energy efficient LED bulbs. Turn the temperature of your water heater down. By changing your day-to-day, you can lower the costs of heating, water and electricity bills.
  4. Review your insurance to see if you can save money
    Reach out to us at Freedom Insurance Group. We not only want you to be able to save money on your bills, but we also want to help you save on insurance — any kind of insurance. We can take care of your homeowners insurance, life insurance, car insurance and much more. We will not only find you the best prices, but we will work with you and your personalized budget to get you just want you need.
  5. Are you eligible for life-changing discounts?
    If you have married recently, or bought a new home or car, we are here to cut you some slack. Give us a call today to see if you are eligible.

Our customers are family to us, and that includes you. If you have a little extra money in your pocket, to us, that’s a job well done. Just think what you could do with those savings! You could go out into the world and enjoy yourself or spend some quality time together with your family. Please contact Freedom Insurance Group today and start saving.  

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Anita5 Key Ways to Save in the New Year

4 Sensible Shopping Safety Tips for the Holiday Season

by Anita on December 20, 2016

It is that crazy time of year, when getting behind the wheel of a car or approaching the grocery store seems like a feat in and of itself. Danger lurks in the mundane things that many wouldn’t even consider a problem normally. Why is that? The holiday crowds. Everyone is out and about during the holiday season shopping for extra food supplies, gifts, and the like. Their schedules are busy and stop lights aren’t in their best interests. It is a dangerous time, and we at Freedom Insurance Group want to make sure that you are safe. To us, our clients are like extended family, and we don’t want anything bad to happen, especially during the holidays.

In order to stay safe while shopping, it is best to keep a few things in mind.

Even though you are rushed, stay alert.

If you are stuck in your head, going over lists, or too involved in what you are doing, you will lose track of your surroundings. This goes for both when you are on foot as well as when you are in your car! If you’re thinking about a million things, you could easily run into something or get yourself into a situation. We want to remind you to keep your head up!  

Do not overload yourself with purchases.  

Carrying multiple items can crowd you, make you off balance, and act as a large distraction from your surroundings. If you’re doing a lot of shopping, consider stopping off at your car, unloading, and hiding your purchases in the trunk. This will reduce the strain on you and keep you on your toes.   

Avoid wearing expensive jewelry, protect your purse or wallet, and beware of approaching strangers.

You know what this means. It is a bad idea to ever leave your valuables unattended in a crowd, and even worse not to check them. Keep good attendance of your belongings; this time of year is notorious for con-artists who can distract you with the intention of taking your valuables. Do not let that happen by keeping an awareness about you.   

Shop with friends or family.

There is always safety in numbers, especially when all who are present remain vigilant and look out for one another.

This year, let’s keep safety in mind; Freedom Insurance Group wants you to have a successful shopping experience while also being able to enjoy yourself. We know all about the bustle the holidays bring, but with stress levels high, you are more susceptible to theft and injury. Please be careful.      

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Anita4 Sensible Shopping Safety Tips for the Holiday Season

Winter is Coming! Here are Tips to Winterize Your Car This Year

by Anita on November 15, 2016

As November winds down, we can see that more and more leaves are crowding the ground and the frost is beginning to set in. The threat of snow is coming, and your car is vulnerable. We at Freedom Insurance Group, Inc. want to make sure you’re prepared for anything in these coming months because driving through Pennsylvania’s snowy weather can be a harrowing experience that requires composure and concentration. However, the weather is just as hard on your vehicle as it is on you. We compiled this list of basic tips to help you winterize your car so you’re ready for Old Man Winter.

  • Check your tires.
    When the temperature drops, your tires will most likely lose pressure. It is important to confirm that your tire pressure is up to par in all four and your spare. Also, because having worn tires on a slick road is extremely dangerous, it is necessary to make sure they have a good tread. You can also consider switching to winter tires, which are designed for optimal tread in slippery conditions. Along with that, be sure to check your tire-changing equipment just in case anything happens, like potholes – we’re all familiar with those.

  • Make sure you have visibility.
    If your windshield wiper blades are leaving streaks on your glass or if they are showing any signs of cracking or stiffness, it is time to replace them. Also, with all of the dirt, mud and salt residue being sprayed off the road, it is necessary to keep your windshield washer reservoir filled with a washer solution that contains an antifreeze agent.

  • Keep your gas tank full.
    A full tank of gas prevents moisture from freezing in the gas lines while also preventing you from running out in freezing winter conditions.

There are so many other tips we want to share with you, but we could go on and on. When you’re in doubt, get your car a tune-up to check your cooling system, battery, engine oil, etc. to make sure everything is okay and ready for the winter. At Freedom Insurance Group, Inc., we believe that if you treat your car with care, it will last you through the hectic months ahead. We think of you like family and want everyone to be safe and happy this coming season!    

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AnitaWinter is Coming! Here are Tips to Winterize Your Car This Year

The Requirement of Auto Insurance in PA and the Elimination of Stress to Find the Right One

by Anita on October 11, 2016

In the state of Pennsylvania, many people own automobiles as their main mode of transportation. Let’s face it, how else are you getting to work? It’s just easier to drive a car when trains and buses are often late or unreliable. However, in order to get behind the wheel of a car, there are many requirements.

Skipping the basics, let’s jump right to auto insurance: drivers are legally required to carry bodily injury liability limits of $15,000/30,000, medical benefits of $5,000, and $5,000 in property damage. It seems like a lot, but when it’s all sorted through in your auto insurance, it can be made simple by a trustworthy agency like ourselves at Freedom Insurance Group, Inc. Instead of shopping for a complicated process, it’s easier to, instead, get one shaped for your needs and your car.

There are additional options to choose from, offered by most auto insurances:

  • Motorist protection
  • Roadside assistance: 24-hour/7 days a week support in the event of an emergency (such as, a dead battery, running out of gas, vehicle breakdown, etc.)
  • Death benefits
  • Loss of work
  • Full coverage auto insurance: this covers your vehicle for comprehensive and collision in the event of an accident or damage to your vehicle.

Right now, there are seven million cars registered in Pennsylvania. Can you imagine? That is no bluff; auto insurance is a real need to many people, covering one, two, even multiple cars in their garage. When you look at the statistics on how many miles are driven annually, the cost of auto insurance in 2016 being averaged at $120/month isn’t so surprising.

Annual miles driven by age group:

  • 16-19 years old: 7,624 miles
  • 20-34 years old: 15,098 miles
  • 35-54 years old: 15,291 miles
  • 55-64 years old: 11,972 miles
  • 65+ years old: 7,646 miles
  • Average: 13,476 miles

If people are driving so much, certainly the risk of a collision is higher. Many insurance companies are constantly raising rates the more and more people get behind the wheel. And that is why we are here for you–to help you, to work with you, and to give you “freedom from the high cost of insurance.” Our name entails just that: we want to save you money and treat you like family because we believe that no one should have to suffer when they are just trying to get to work on time.

Learn more about what Freedom Insurance Group, Inc. provides and give us a call today at: 215-375-7733 for our personalized service and competitive quote!

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AnitaThe Requirement of Auto Insurance in PA and the Elimination of Stress to Find the Right One

Get to Know Us Like Family: Here’s What We Can Do For You

by Anita on October 4, 2016

August 2003 is when Freedom Insurance Group, Inc. came to be, established by Anita Allegrezza as an independent agency. Here, we focus on property and casualty insurance, priding ourselves on our friendly customer service. Even now, we are continuing to expand, ensuring that all of our customers are met with the protection they need.

As a Trusted Choice Agency, we aspire to be your sole insurance agent, freshening your rates and coverage to give you “freedom from the high cost of insurance.” All of our customers are like family to us; we will always strive to provide you with an insurance policy that has competitive rates and complete coverage for all stages of your life.

At Freedom Insurance Group, Inc., we currently have appointments with fifteen different companies:

  1. Progressive Insurance Company
  2. Safeco Insurance Company
  3. Grange Insurance Company
  4. Travelers Insurance Company
  5. The Hartford Insurance Company
  6. AARP/The Hartford Insurance Company
  7. Universal Property
  8. Philadelphia Contributionship Companies
  9. Casualty
  10. Bristol West Insurance Group
  11. Foremost Insurance Group
  12. Capitol Insurance Company
  13. American Independent Insurance Company
  14. Franklin Flood Insurance Company
  15. Agency Insurance Company

All of these companies allow us to remain competitive in the market and give us the flexibility to determine the perfect insurance company suited to you. We customize an insurance package based on your needs, working with you the whole time. We reduce costs, offering multiple discounts to help your monthly budget.

We have four major areas of insurance coverage:

  1. Auto
    Auto insurance provides property coverage that pays for damage or theft of your car, liability coverage that pays for your legal responsibility to others for bodily injury or property damage and medical coverage that pays for the cost of treating injuries or rehabilitation.
  1. Home
    Homeowners insurance entails protection against damages to your house itself as well as to the possessions inside. While it covers damages to your property, it also covers your liability for any injuries or damages incurred by family members or pets to other people’s properties.
  1. Life
    Life insurance has two major types: term and whole life. Whole life insurance is often referred to as permanent life insurance, as it pays a death benefit whenever you pass away, even if you live to be 100. Term insurance is more simple; it only pays if you pass away during the term of the policy.
  1. Renters
    Renters insurance provides liability insurance, covering the tenant’s personal property against perils like fire, theft and vandalism.

Freedom Insurance Group, Inc. will give you the best insurance possible to keep you covered while limiting any kind of risk. When you feel safe with a little extra in your pocket, that is a job well done. We are confident that we can free your world from the restraints other insurance companies impose by ensuring you receive the perfect package for your needs. Call now for your personalized quote!

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AnitaGet to Know Us Like Family: Here’s What We Can Do For You

How To Keep Your Car Cool In The Summer

by Anita on July 13, 2016

car shadeThe heat can make us all feel miserable and getting in a hot car only makes it worse. The stifling air and hot steering wheel make you rethink public transportation. There are plenty of easy things you can do to keep your car cool in the heat. Putting a sun shade on your windshield will block the rays from the sun heating your steering wheel and front seats. Tinted windows are another good way to block the sun not only when your car is parked but also while driving.  Be sure to check with your car insurance agent for your state’s laws regarding the restrictions for the darkness of the tint allowed. When parking your car, look for a shaded area or a spot where the sun hits the back of your vehicle as opposed to the front. Covering your leather seats with a towel or cooling pads will help keep the seats somewhat cooler and not expose your skin to the hot leather. Have your air conditioner serviced and recharge your system or add refrigerant if needed. When getting in your car turn the air on full blast and crack your windows slightly until the air inside the car is cool.  Waiting to put children and pets in the car until the car cools down is strongly suggested.  We hope you find these tips resourceful.  We hope you stay safe and comfortable in these summer months!

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AnitaHow To Keep Your Car Cool In The Summer