With the harsh Philadelphia winters, the last thing you need to be worried about is to be stranded along side of your auto. When you add roadside assistance to your auto insurance policy, it is typically less expensive than the big name companies that offer the same service. You have enough going on in your everyday life, you don’t need the stress of having to worry what you would do if you needed help on the road with your auto. Here of some reasons why adding roadside assistance to your auto policy will make your life easier
1. Don’t know how to change a flat tire on your auto? No problem, just call the roadside assistance number. An experienced person will be out to change it for you.
2. Run out of gas? We are all so busy we don’t always check the auto’s gas gauge. Not an issue, call the roadside assistance number and the gas will be delivered to you so that you can get to a gas station without worry to fill up.
3. On your way to that appointment and your battery won’t start? Don’t have jumper cables in your trunk? Just give them a call and your problem will be solved.
4. Busy running around and locked your keys in your auto or trunk? Roadside assistance also helps gets your keys out.
5. Have you broken down and not sure what to do or who to call? Call for roadside assistance and your auto will be towed.
6. Another great reason to add roadside assistance to your auto policy is that you don’t need to put any money out of your pocket to call for help.
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.
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.
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.
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!