Insurance 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

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.

7 Ways to pay less for car insurance in Philadelphia

by Anita on December 19, 2014

Most people love a good deal or a sale.  They get excited when they have a great coupon for something they actually need.  And we love friends and family discounts.   So what is the key to saving money on car insurance?  It’s not as complicated as you may think.  Here are 7 ways we have found that save our customers money on their car insurance policies in Philadelphia.

  1. Get quotes from an Independent agent.  Independent agents have access to many companies.  They don’t write policies for just one company so their loyalty is to you, the customer.  If your rate goes up or your needs change they can easily shop around for another insurance company.  When you go with an Independent agent you are able to build a relationship.  If you jump from one company to another, a new agent will not know you well enough to point out coverage or changes you may need.
  2. Be aware of the many discounts that are available to you. Different companies offer different discounts.  Here are some of the discounts that are out there.  Occupation & education, New car, multi policy, low mileage, good student, student away at school, safe driver, driver training, AARP defensive driving, accident forgiveness, paid in full, paperless and  hybrid vehicle discount.
  3. Choose higher liability limits. Yes I said higher.  If you go with state minimums you may pay more in the long run.
  4. Shop around. Insurance companies are not one size fits all.  What may have been a good company for you 10 years ago….may not be good for your present situation.  In today’s day there is no real reward for loyalty.  Your car insurance does not go down simply because you have had the same policy for many years.
  5. When purchasing a new or used car call an agent to get a general idea of what the insurance will cost. Many new car buyers will simply buy the car to then find out the insurance is so high that there is no way they will be able to afford both a car payment and their car insurance payment.
  6. Be an educated consumer. Do your research.  Find an agent that is a member of the Better Business Bureau and is a Trusted Choice Agent.   If you choose the right agent they will guide you through purchasing car insurance.
  7. Don’t let your insurance go out of force or have a lapse. Make your payments on time to ensure consistent coverage.

 

 

If you take the time to do your research, ask questions and take your agents advice you can save hundreds of dollars a year on car insurance in Philadelphia.  Make paying less for your car insurance in 2015 at the top of your to do list.

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Anita7 Ways to pay less for car insurance in Philadelphia

Holiday Decorating

by Anita on December 5, 2014

If you are an avid holiday decorator, your decorations have been up since the day after Thanksgiving. So this will serve as a follow up checklist for you. Any time you are dealing with lights, wires, candles, live trees etc… you need to take precautions.

We all remember the scene in National Lampoon’s Christmas vacation where the cat chewed on the Christmas lights and the whole tree went up in smoke. When dealing with live trees take all necessary precautions. When purchasing a live tree be realistic.  Don’t get a tree that you’ll need three grown men to carry in.  Make sure you anchor the tree so it doesn’t tip over causing damage or injury to guests.  Keep the tree watered.  If you have pets that show interest in the tree, ornaments or lights keep an eye on them.  If you have small children it may be a good idea to put up an artificial tree as they are less likely to tip over.

When placing lights around the tree and in and around your home inspect them first.  You need to look for wear and tear.  How are the bulbs? Is the wire starting to fray? It is also important to use indoor lights indoor and outdoor lights outdoor.  If you are using extension cords don’t cut corners.  If you have illuminated the outside of your home, get outdoor extension cords.  They are made to withstand rain, snow and outdoor weather conditions.

Are you planning on decorating your mantle with candles?  Use flameless candles.  These candles produce the same effect and are safer.  When you mix garland with real candles there is potential for a fire.  If you will be lighting a menorah this holiday season extinguish the flame upon leaving the room.

This is the time of year for mistletoe and holly as well as poinsettias.  If you have pets it’s not a good idea to decorate your home with these live plants.  They can be poisonous to your pets.  You can substitute by using artificial plants.  Many artificial plants are of good quality and look very real.

When the decorating is complete, look around your home to ensure everything is secure.  If you plan on having guests over during the holidays you would want to prevent any injuries.  Prior to decorating the outside clean out your gutter of all leaves.  If you are placing blow up items on your lawn take care to secure those as well.

One of the most important things to remember this holiday season is to turn off the lights at night and when you leave the house.  Safety is more important than impressing the neighbors and passers by with your beautiful light display.

Enjoy the beauty of this holiday season.

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AnitaHoliday Decorating

Early cold winter blast

by Anita on November 21, 2014

Last year we had snow before Christmas. This year we had snow before Thanksgiving in some parts of the country. Many of us dug out our coats and put the heat on due to the unseasonably cold, cold weather this early in the season. But what about rental properties and secondary residences? Hopefully if you own those you made sure to put the heat on there as well. Some nights the temperatures went down to 22 degrees. It is so very important to maintain appropriate temps in all of your homes. Frozen pipes can cause thousands of dollars in damage to a home. You are responsible to maintain heat in all of the properties you own.  Many of the new security systems include thermostat control which can be operated remotely. This is a great option for people who could not get to a second home relatively quickly.  Check that your pilot light is lit, change the filter in the heating unit and schedule a yearly maintenance call to ensure proper operation. The temperatures will creep back up into the 60′s this week, but now is a great time to think about winterizing your home.

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AnitaEarly cold winter blast

Halloween Safety tips

by Anita on October 28, 2014

There are only 57 more shopping days until Christmas!! But first Halloween is only 3 days away. If you haven’t gotten a costume time is running out. Whether your plan is to be a Witch, Cat, Teenage Mutant Ninja Turtle , Harry Potter, Fairy Godmother or a little pumpkin, safety is always a top priority. Halloween and Mischief night are times to be aware.  Unfortunately, there are damages to homes and vehicles on those nights.  You are also at risk for someone to get hurt on your property while collecting their Halloween candy.  As a homeowner you want to do your best to reduce that risk, especially since so many kids will be walking up to your door.

Here are some tips for keeping your auto and home safe as well as the trick or treaters!

Keep your vehicle locked.

Park your car in a well lit area if possible.  The best place is in the driveway or garage.

Fold in the side view mirrors if you are parked out on the street.

Keep outside lights on to illuminate your home.

Sweep leaves away from your walkway and front door.

Remove any obstacles where someone could get injured.

If there are any deep holes on your lawn or sidewalk, place a cone in them to alert people there is a hole.

When lighting a fire pit, keep it in an area out of the path of trick or treaters and keep a fire extinguisher near by.

If you own a dog keep them in an area of the house where they will be unable to run towards or out the door (especially if they are not good with strangers). We wouldn’t want to scare any trick-or-treaters!

Will you be making any ghostly Halloween treats in the kitchen?  Use caution around the stove and deep fryers.  Have your kitchen fire extinguisher handy and use those oven mitts!

If your kids are going out for Halloween, walk with them.

Have kids cross at the corner.

Only go to houses with the lights on.

Carry a flashlight…some neighborhoods have little in way of lighting.

Have kids wear comfortable shoes and dress warm, this Halloween it’s going to be a little chilly.

When taking toddlers out, bring a stroller in case they get tired.

If you have teenagers going out with friends give them a curfew and check in with them throughout the night.

The best place to give out candy is to sit at the end of your driveway or close to the sidewalk.  This will save those little trick or treaters some time and you needn’t worry about someone falling or tripping on their elaborate costumes.

Make it a rule to keep all candy in the bag until you have thoroughly checked it at home.

And always say Thank you!

Freedom Insurance Group Inc. hopes you will have a safe and very Happy Halloween!

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AnitaHalloween Safety tips

Save Money on Insurance

by Anita on September 22, 2014

We all love to save money. But there is a time when saving money initially is just not a value in the long run. If you have decided to get auto or homeowners insurance quotes from other insurance companies, ask yourself the following:

Did I give up coverage to save money?
Did I have to choose higher deductibles?
Did I reduce coverage?

Insurance protects you against risk. To ensure you are making informed decisions speak with a licensed agent to review coverages and potential scenarios.
Here are some examples of saving money, but not having the right protection.
If you have liability limits on your auto policy of 100/300 and you are told you can save money by lowering limits to 25/50…think twice. If you own a home and you are sued you put yourself at risk in a lawsuit.  The general rule is to have limits up to and including your assets.  And if your assets are great, consider an umbrella policy.

Another area where consumers cut corners on auto insurance where they shouldn’t is dropping collision coverage too soon. Although you paid off your auto loan and are no longer required by a bank to have collision coverage on your vehicle, your car may still have significant value. If you have a total loss and the accident is your fault you will not receive any money for the loss.

If you increase your comprehensive coverage and live in the suburbs you are at a greater risk for hitting a deer or incurring damage from fallen trees. Your comprehensive deductible would have to be applied first to repair any damage to your vehicle from the event. Glass claims are also covered by your comprehensive coverage, so if you get a crack in your windshield you will have to pay the comprehensive deductible prior to glass repair, which can be costly.  Even if an agent suggests increasing comprehensive deductibles it is not advisable for someone living in the suburbs.

Before you drop or reduce any coverages speak to your agent to make an informed decision. Some of the coverages people tend to opt out of are towing, rental and roadside assistance. These coverages are at times very economical and most often utilized.

When it comes to homeowners insurance there are agents that may steer you towards an HO1 policy when you currently have an HO3 policy in order to show a savings to get your business. But what they don’t point out is that an HO1 policy does not cover pipe breaks or roof leaks. Considering the harsh winters we had last year, both are very important coverages to maintain.

The best approach is to choose coverages and deductibles based on your situation, then shop for rates and companies. Insurance companies all rate differently. A local independent agent is very knowledgeable about the companies they represent and can find the right company for you. They can also make sure you are getting all relevant discounts in which you are entitled.

When getting competitive insurance quotes, do your research and find an independent agent that you can trust. Referrals and reputation within the community are the best ways to ensure you are working with a reputable agency.  Freedom Insurance Group is a Trusted Choice Agent.  Trusted Choice agents share a common commitment to serving their customers.

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AnitaSave Money on Insurance