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Umbrella Policy – Insurance Philadelphia, Freedom Insurance Group, Inc

by Anita on November 20, 2015

One question insurance agents frequently are asked is “How do I know if I need an umbrella policy?” We advise our customers to look at their whole financial situation and their lifestyle. Do you own a swimming pool? Own a dog? Have large assets to protect? Agents typically recommend that customers have enough home insurance coverage equal to their assets. Umbrella policies cover liability, personal injury coverage and legal expense coverage. Umbrella polices are there to protect you against large lawsuits. There are certain parameters that must be met to get an umbrella policy. First you must carry your auto and homeowners insurance with the same company. Second you must acquire the highest limits available for auto insurance and home insurance. The maximum amount of coverage you can have under an umbrella policy varies by state. This protection can extend beyond your auto and home. It can also cover your RV, boat, snow mobiles, golf carts, ATV’s, jet skis and motorcycles. There are some added protections with an umbrella policy that are generally excluded from homeowners insurance polices. These policies can run approximately $300-$400 a year for a million dollars coverage. That is relatively inexpensive for extra coverage.The best part is that everyone in the household is covered as long as they are listed on the auto policy and live in the home.  Something to think about if you have teen drivers in the home.

The best thing to do is to speak to a licensed agent who can discuss your risk and assets. There are certain situations which will increase your need for an umbrella policy.  Call us at 215-673-0300 so we can discuss your current auto and homeowners insurance in Philadelphia, we can evaluate if you have enough coverage and if you should also look into getting an umbrella policy.  You can also visit our website at www.freedom4insurance.com click on all coverages to read about umbrella policies.

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AnitaUmbrella Policy – Insurance Philadelphia, Freedom Insurance Group, Inc

Winterizing your automobile in Philadelphia

by Anita on November 16, 2015

It’s that time of year where there is frost appearing on the windshield of your auto when we wake up. We all have begun our home winterizing and taking the steps to make sure our home is ready for the winter. Have we done the same for our automobiles?  The change of seasons is a great time to remember to get the oil in our automobiles changed. It is a good idea to check in the glove compartment and make sure you have your current auto ID cards, a flashlight, pen, paper and tissues. Tire pressure on your automobiles tires should also be checked to ensure proper inflation. A set of jumper cables is also helpful not just for your car but also for someone who may be in need of a battery charge. You can be extra prepared and store a blanket, some water bottles and non-perishable snacks in the trunk along with an ice scraper and kitty litter in the event you lose traction driving your auto. Take a little extra time to allow your auto to warm up properly especially in the chilly Philadelphia area.  Schedule an appointment with your auto mechanic for an auto tune-up to ensure your auto is winter ready.   Ashbrook Frost on Car

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AnitaWinterizing your automobile in Philadelphia

Fall home maintenance – Homeowners Insurance Philadelphia

by Anita on November 3, 2015

Daylight saving time is upon us. Now is the time to assess what you need to do to winterize your home. Do you need to clean your gutters, caulk your windows and door frames? A quick trip to the home store to pick up new batteries for those fire/carbon monoxide detectors some insulation and caulk will put your mind at ease by reducing the risks in your home and reduce your worries.  Schedule an appointment to clean the fireplace and chimney so you can safely burn and have those cozy winter nights without a worry. Checking dyer vents and heating vents for debris will also make your home more energy efficient.

A little maintenance now goes a long way later for your home. Some routine tender loving care can avoid future disasters and homeowners insurance claims. Winters in Philadelphia can be pretty brutal and can really take a toll on your home. Many times we are forced to put a claim in with our home insurance company in order to pay for damages from we sustain from bad winter and fall seasons in Philadelphia. We hope this post can help avoid that unfortunate situation.

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AnitaFall home maintenance – Homeowners Insurance Philadelphia

Back to school with lower Car Insurance – Philadelphia

by Anita on August 27, 2015

It’s that time. Kids are going back to school. Most people think about books, pencils, back packs, school clothes, new sneakers and haircuts. But you may want to add insurance to the list. If you still have high school students in the house who drive or will soon be getting their license, remind them that good grades equal lower car insurance rates. Many insurance companies offer the good student discount which is for earning a B or better. You must provide your insurance agent with a copy of the last report card as verification. Cheaper car insurance is just another incentive to do well in school.

If you are sending your kid off to college for the first time most likely they will not have a vehicle on campus and will be living in a dorm. Is your son/daughter living away at school 100 miles or more? If the answer is yes, then you may qualify for a discount on your auto insurance. If you have a junior or senior in college they may have a car at school with them and living off campus.  If they have a vehicle at school with them, remember to provide your agent with the address where they are in school. The agent can then split rate the vehicle so that all cars are rated at their respective addresses. This is important for your auto insurance policy. When you are renting a house or apartment your contents are not covered under the landlord’s insurance policy, therefore you may want to think about renter’s insurance. Many students bring TV’s, laptops, game systems and personal belongings with them. Renters insurance may insure these items in a covered loss.  Keep your college student in the loop when it comes to insurance. This way when they are ready to purchase their own auto and renters insurance policy they will know what to do.  These are beneficial life lessons for your kids.

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AnitaBack to school with lower Car Insurance – Philadelphia

Advance Quoting – Freedom Insurance Group, Inc. – Philadelphia

by Anita on August 27, 2015

Advance Quoting

Freedom Insurance Group, Inc.  announces they represent six companies that offer an early quote discount for car insurance quotes in Philadelphia.

Many consumers do not know the savings advantage associated with calling ahead when you need car insurance.  Some of their companies offer a discount just for calling for a quote one to ten days prior to your policy expiration date.  For example, Travelers calls this discount their Early Quote Advantage. With Travelers you may be eligible for a 10% discount if you call for a quote 8 or more days in advance.  Many of the companies they represent have this discount only it’s referred to by a different name.

The following companies offer a discount for getting a quote in advance:  Progressive, Travelers, The Hartford, Safeco, Grange & Mercury.

“It’s true; the early bird does get the worm.  Most consumers are not aware of the fact that calling ahead of time for a car insurance quote can save you money.”  said Anita Allegrezza, Owner & Principal agent of Freedom Insurance Group Inc.   “Freedom Insurance Group, Inc.  represents  10 A or better insurance companies, but we put the customer first.  Everyone wants to save money and take advantage of discounts.  Some people won’t buy if they don’t have a coupon, find it on sale or get a discount.  If insurance companies are offering a discount for calling your agent ahead of time, take advantage of all the savings you can.”

The agency is a full service insurance agency.  They offer auto insurance, homeowners insurance, motorcycle insurance, boat insurance, umbrella insurance, commercial insurance, life insurance, RV insurance, and more.  For more information on Freedom Insurance Group, Inc. or to get a quote, go to their website www.freedom4insurance.com.  There you will also find a money saving checklist with many discount opportunities for you to review prior to speaking with an agent.

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AnitaAdvance Quoting – Freedom Insurance Group, Inc. – Philadelphia

Freedom Insurance Group Inc. as featured in the Northeast Times – Insurance Philadelphia

by Anita on August 7, 2015

Freedom Insurance Group Inc. is an Independent Insurance Agency who has been helping customers save money in Northeast Philadelphia and the surrounding areas since 2003. This Trusted Choice agency represents 10 A rated insurance companies such as Progressive, The Hartford, Travelers, Safeco, Grange and is an AARP authorized agent. What does that mean to the consumer? That means they have the ability to offer the consumer choices and “Freedom from the high cost of insurance.” With just one phone call their team of agents are able to get quotes from 15 different companies. Not only can they save you time, but their experienced agents will review your current coverage and identify any potential areas where you may be underinsured. Freedom Insurance Group Inc. is thorough and reviews all discounts that are available to you. When you have an independent agent, if your rate goes up you don’t have to go far. This agency continually reviews their customers’ policies to make sure they are getting the best rates on car and home insurance. “When you buy insurance from a captive agent your only option is to reduce coverage when the rate goes up. At Freedom Insurance Group Inc. if your rate increases we quote you in other companies, so you can keep the coverages you need. We give our customers the freedom of choice.” said Anita Allegrezza, Owner & Principal Agent.

This full service agency writes car insurance, homeowners, life, commercial, motorcycle, boat, umbrella policies and more. They are conveniently located in the Grant & Academy shopping center next to the Police & Fire Federal Credit Union.

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AnitaFreedom Insurance Group Inc. as featured in the Northeast Times – Insurance Philadelphia

Auto Insurance Philadelphia, Car Insurance Philadelphia

by Anita on July 21, 2015

Auto Insurance Philadelphia

Are you looking for new auto insurance in Philadelphia?  If so… Look no further!

Freedom Insurance Group, can and will help you get the best rates for your car insurance in Philadelphia and the surrounding areas. Our main focus is our customers and we work diligently to provide the best customer service along with the getting you the best rates possible for your vehicle.

We are an independent insurance agency located in Philadelphia. This means that we work with several large insurance companies and will find you the best rates possible by shopping around to all of the different companies for your car insurance. Philadelphia is one of the largest cities in the united states with lots of people driving and commuting every day.  Having the right auto insurance in Philadelphia is very important to make sure that your vehicle, yourself, and your loved ones are covered in the unfortunate event of an accident.

Commercial Auto Insurance Philadelphia 

We also offer many different commercial auto insurance options for your company if you have just a few vehicles on the road for work, or a whole fleet. We will find the coverage to make sure that you, your employees, and your vehicles are insured and covered.

If you are looking for Car Insurance in Philadelphia or Commercial Auto Insurance in Philadelphia, contact us today for a free quote.

 

www.freedom4insurance.com

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AnitaAuto Insurance Philadelphia, Car Insurance Philadelphia

Summer Road Trip

by Anita on June 12, 2015

If you are planning a Road Trip this summer it is better to be prepared rather than fly by the seat of your pants! Your first order of business is to decide if you are going to drive your own car or get a rental car. Both options have positives and negatives. By driving your own car you will save money, but depending on how far you drive you will put excess wear and tear on the vehicle. If you go the rental car route, you will incur more of a cost. The next question is ….what kind of roadside assistance will be needed in both scenarios. If you currently have roadside assistance on your car insurance policy you will be covered for flat tire change, lock outs and running out of gas. An issue may come in to play with towing in case you break down. Questions regarding towing coverage on your auto insurance policy should be addressed with your agent. To get more information on roadside assistance see our website: http://www.freedom4insurance.com/roadside-assistance.html If you have roadside assistance through AAA they also have their own set of rules. As always have your current car insurance card with you at all times.

Map out your route on paper before setting out on your adventure. Some people use their smart phone maps app and some have a navigation system in their car. You should still have a good old handy map. There will most likely be rest stops along the way so you don’t have to plan those out. You will also have to stop along the way for gas. Here is a website that we found where you can get the best prices on gas http://www.gasbuddy.com/ We even found a great website listing on AARP that estimates the cost of gas for your trip: http://www.aarptravel.costtodrive.com.
During a long road trip you are sure to get hungry! A fun website to check out for some great eats along your journey is: http://www.tvfoodmaps.com/ You just plug in your destination and notable restaurants mentioned on TV, like Diners, Drive ins and Dives will populate along your route.

If you have homeowners insurance or renters insurance, your contents in the vehicle will be insured as well. For example if you are taking ipads, smartphones, golf clubs, or a laptop on your trip and they are stolen from the car, you are covered minus your deductible.

It’s time to pack! Be smart when packing personal items, just because you are driving don’t be tempted to over pack. Have a first aid kit in the car as well as an emergency road kit. To avoid making frequent stops pack a cooler with drinks and snacks. If you are bringing kids along, pack movies, activities, books, ipads, hand held games and have some road trip games in mind. Some popular road trip games are ispy, I’m going on a picnic, license plate game and road trip bingo. If you are lucky the kids will sleep!
All of these tips should help you enjoy a well planned road trip full of fantastic family memories!

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AnitaSummer Road Trip

Grilling Safety Tips

by Anita on May 29, 2015

Last weekend officially kicked off grilling season. Who doesn’t love a grilled hot dog with mustard and relish or a burger with bacon? Why not get fancy with some grilled pizza, grilled quesadillas, grilled fish/lobster or grilled vegetables, baked potatoes, all of it sounds delicious! Some people are masters at the grill are some unfortunately are not. What ever your grilling skill level, it is important to practice safety at all times. Whether you use a gas grill or a charcoal grill each has its own set of risks.

Let’s start with food safety.
1. When grilling meats always use a meat thermometer to ensure meats are cooked to the correct temperature.
2. Throw away the marinade after use.
3. Don’t use the same platter or utensils for raw meat and the cooked.
4. Don’t let raw meat sit out for a while before cooking. Either put it in a cooler or take out of refrigerator/freezer right before use.

Personal Safety.
1. Keep your grill outdoors, not in a garage and away from your home and trees with low hanging branches.

2. Place your grill on flat ground, not uneven or hilly surfaces.

3. Follow all manufacturer instructions for checking connections and lighting the grill.

4. Purchase barbecue gloves to protect your hands and arms while grilling.

5. Use proper grilling utensils that have long handles.

6. Keep all pets and kids away from the grill while in use.

7. Remember to watch the flames especially when grilling meats with lot of grease. Too much grease will cause the flames to rise.

8.  Never leave a grill that is in use unattended.

9. If using a charcoal grill, do not put hot embers in a metal container until cool.

10.  When finished remember to turn the propane off and let cool before putting on the cover.

Hosting barbecues is a lot of work, but always a good time. If you follow these safety tips, your barbecue should be drama free! Who wants to stop and call your homeowners insurance company in the middle of a party?

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AnitaGrilling Safety Tips

Five reasons why you should take advantage of free quotes on auto insurance.

by Anita on May 20, 2015

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  1. It takes as little as five minutes to answer a few questions to get the quoting process started. If you choose an independent agent they take the information once and get rates from many companies.  This inevitably saves you time and will save you money. If you choose a Trusted Choice Agency with a good rating from the Better Business Bureau you will receive expert advice.
  2. There are times when auto insurance policies go up, even with no claims. If it goes too high for your budget, an independent agent can price your auto insurance with the other companies they represent.  Independent agents offer you choices.  Customers want the freedom to purchase insurance with their budget in mind and not have to forego the coverages that they need.
  3. You may end up paying less and receive better coverage than you had before.
  4. Insurance companies are not one size fits all and have their own set of discount offerings. An insurance company that had great rates while you were single and renting an apartment may not be good for you now that you are married and own a home.  You could also be missing out on significant savings.
  5. The free gifts! Agents who care about their customers always have nice giveaways to thank you for your business.

So before you renew your auto insurance think about getting a competitive quote.  Have your old auto policy out to get an apples to apples quote.  If you own or rent a home you can also get a homeowners insurance/renters insurance quote.  Bundling your policies with the same company will save you money too! Does your agent have a money saving checklist?  We do. For quotes on car insurance or homeowners insurance call Freedom Insurance Group Inc. today at 215-673-0300 or visit our website www.freedom4insurance.com.  We represent 15 A+ insurance companies such as Progressive, Safeco, Grange, Travelers, The Hartford, Philadelphia Contributionship, and many more.  The Independent Agency has been in business for 12 years and is a Trusted Choice Agency.

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AnitaFive reasons why you should take advantage of free quotes on auto insurance.