16 Car Insurance Discounts – Shield Insurance Agency Blog

16 Car Insurance Discounts

16 car insurance discounts to ask your agent about

You don’t have to skimp on quality to get the kind of car insurance that fits your unique needs and your budget. In fact, car insurance discounts can help you get the best of both.

Shield Agency is a knowledgeable resource that can help you become aware of and take advantage of any car insurance discounts that are available to you. The next time you speak with your insurance agent, use this list to get the conversation started. Consider asking about these 16 car insurance discounts to see if you qualify.

Common car insurance discounts

These discounts are available through most car insurance companies

  1. Safe driver discount – Haven’t been at fault in an accident or received a ticket in a long time? Having a good driving record can save you money on your car insurance.
  2. Good student discount – If you have a student on your policy with no chargeable accidents, excessive speed violations or major violations, you could qualify for this discount.
  3. Multiple policy discount – When you purchase multiple policies with the same insurer (home, auto, life, etc.), you may be able to “bundle” your policies and receive this discount.
  4. Multi-vehicle discount – If you have multiple vehicles you’re adding to your auto policy, you could receive this discount.
  5. Paid in full discount – For policyholders who pay in full before their due date, you could receive this discount.
  6. Electronic payment discount – Paying your bill online or setting up automatic payments can help reduce your car insurance costs with this discount.
  7. Student away discount – You can receive this discount while your college student is away at school and not using a vehicle.
  8. Homeowner discount – Own your home, townhouse or condominium? You’ll qualify and be able to save on your auto insurance with this discount.
  9. Legacy loyalty discount – Your child will receive this discount when they move off your policy and onto their own policy with the same insurance carrier.
  10. Advance quote discount – A new customer whose auto policy starts at least one day after receiving their quote will receive a discount.

Less common car insurance discounts

Some car insurance carriers offer unique discounts to help you save on your auto insurance.

  1. Education discount – You’ll receive a discount if you or your spouse has completed post high school education. This discount is based on the highest level of education achieved.
  2. New beginning discount – This discount is available for customers who are recently divorced or separated.
  3. Full coverage discount – For those who purchase Collision Coverage on all vehicles on their policy, you can receive this discount.
  4. Occupation discount – You’ll receive a discount based on the occupation level of you or your spouse.
  5. Violation free discount – You’ll receive this discount if you’ve had no chargeable violations for three or more years.
  6. Young operator renewal – New drivers will receive a discount based on the length of the current customer’s policy with Grange.

Contact our office and let us find the best policy for your best coverage!

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Ladder Safety Tips Everyone Should Know – Shield Insurance Agency Blog

Ladder safety tips everyone should know

Ladder Safety

Ladder Safety. Remember in old cartoons when the main character is caught wobbling at the top of an extension ladder? A funny skit ensues as the ladder inevitably begins to fall and a friend scurries around under an expanding shadow trying to catch them.

Scaling a ladder in real life, we know, is a lot more serious. According to OSHA, portable ladders (step, straight, combination, and extension ladders) are one of the leading causes of falls and injuries to workers on the job. Knowing how to use a ladder properly at home or at work decreases your chances of risk and injury.

From cleaning your gutters to fixing a roof, you’ll most likely need a ladder to get the job done. Keep these ladder safety tips in mind the next time you climb to ensure the job is completed in a safe and timely manner.

Before use

Preparation is key to ladder safety. Keep these tips in mind before you climb:

  • Inspect the ladder for cracked or broken parts such as rungs, steps, side rails and locking components.
  • Be sure all locks on an extension ladder are properly engaged.
  • Do not place ladders on boxes, barrels, tables or other unstable objects to gain additional height.
  • Make sure all tools and materials are securely fastened to the ladder to prevent falling.
  • Do not use a self-supporting ladder, like a step ladder, as a single ladder or in the partially open position.
  • An extension ladder should extend three feet above the point of support.
  • To set your ladder at the right angle, place its base a quarter of the working length of the ladder from the wall or other vertical surface.
  • If using a ladder outside, do not use in windy or inclement weather.
  • Check in with yourself: Avoid using a ladder if you feel dizzy, tired or are impaired.

During use

Ladder safety doesn’t stop on the ground. Keep these tips in mind while your ladder is in use:

  • Do not exceed the maximum load rating of the ladder. Read and follow manufacturer’s labels and warnings for use and weight rating.
  • When climbing, maintain three points of contact through a combination of hands and feet at all times.
  • Don’t stand on the top rung of the ladder unless it’s designed for such activity.
  • Never have someone climb up to bring you something. Only one person should be on a ladder at a time.
  • Don’t move the ladder while it’s in use.
  • Don’t lean or overreach. Reposition the ladder instead.
  • Face the ladder and always grip the rungs, not the side rails.

This article is for informational and suggestion purposes only. To learn more about your insurance needs, contact Shield Insurance Agency.

References:
– Grange Risk Management
– Occupational Safety and Health Administration (OSHA)
– National Safety Council (NSC)

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How to Handle 10 Common Home Emergencies - Shield Insurance Agency Blog

How to Handle 10 Common Home Emergencies

You love your home. Make sure you know how to keep it — and you and your loved ones — safe and sound. Here are 10 common home emergencies and how to handle them.

1. Kitchen fire.

The most common culprit of a kitchen fire is an inattentive cook. It’s never a good idea to leave your stovetop or oven unattended when food is cooking. Prevent kitchen fires by cooking during times when you won’t need to step away from the kitchen.

If a kitchen fire happens, take these steps:

  • For a small grease fire, try smothering it with baking soda or sliding a metal lid over the pan to suffocate the fire. Turn off the stove. Never use water to put out a grease fire; it can be dangerous and make the situation worse.
  • For an oven fire, keep the oven door closed and turn off the oven.
  • If the fire continues, help everyone to evacuate the house, close the door behind you and call 911 from a safe distance from your home.

Also, remember to regularly check your smoke detectors. Put a reminder on your calendar to test all the smoke detectors in your home monthly, and promptly replace batteries when needed. Consider replacing all your smoke detectors every 10 years.

2. Water leak.

Whether it’s a slow drip or a steady stream, the best thing you can do is know where your home’s main water valve is located — typically it’s in the basement or near the front of the house — which controls the flow of water into your home and learn how to turn off your water in an emergency to prevent water damage to your home. Then you will need to call a plumber for assistance.

If your ceiling is leaking, gather buckets or plastic sheets under the leak to help prevent water damage. Then try to track down the source of the leak. If it’s likely a roofing issue, it’s best to call a professional right away to assess the situation and help with repairs.

Finally, take steps to insulate your pipes before the weather turns cold to prevent pipes from freezing and bursting.

3. Water overflow.

Anything that holds a lot of water in your house can potentially overflow into the surrounding area. Here’s how to handle a water overflow

  • When a toilet overflows, find the valve behind the toilet near the wall and turn it off to stop the flow of water. Then, quickly mop up any standing water. Finally, try to determine the cause. Look for issues with the fill tube and float as well as for clogs or other issues that could be keeping the toilet from draining. If you’re still stumped, call your plumber for assistance.
  • When your bathtub or sink overflows, first stop the flow of water — whether it’s as simple as turning off the faucet or by shutting off the main water valve to your home if the faucet is broken. Then, quickly mop up standing water to prevent further damage. If the faucet is broken, make necessary repairs before using that sink or bathtub again.

4. Flooded basement.

Whatever the cause, if your basement is flooded with water, the most important thing is that you NEVER enter a flooded basement. For your own health and safety call your utility companies first, and stay away until they have turned off the electricity and gas. Then, it’s best to hire a professional to help you clean up, mitigate the damage to your home and help prevent you and your family from becoming sick. You will need to throw out anything the flood water reached unless it can be thoroughly cleaned and disinfected.

5. Power outage.


When the power goes out, check to see if nearby homes and streetlights still have power. If their lights are still on, check your breakers. If the neighborhood is dark too, then call your power company, or visit their website, to report the power outage and ask for an estimated repair time

Stay safe by following these steps:

  • Use flashlights. Don’t light candles. Keep your flashlights in an easy-to-find location, test them monthly, and keep spare batteries in a known and accessible location. If you don’t have a flashlight, your cell phone can help provide some light to help guide you safely through your home.
  • Keep your refrigerator door closed. Food can spoil in a refrigerator after the power has been out for more than 4 hours.
  • Turn off or unplug electronics. If the lights were on or you were using any electrical equipment, like a computer, when the power went out, switch your lights off and unplug your electronics.

If you anticipate having a power outage that lasts for days, such as after a hurricane, consider investing in a generator that can help provide electricity to essential things in your home, like a refrigerator or freezer. Be sure to follow all safety instructions while using it.

6. Carbon monoxide.

Carbon monoxide is a clear, odorless gas that can cause severe illness or even death. The symptoms are often like the flu without a fever. If you think you have carbon monoxide poisoning, call 911.

The best way to prevent a carbon monoxide emergency is to:

  • Use carbon monoxide detectors and test them once a month to make sure they’re in good working order. Check the manufacturer’s instructions to learn how often to replace your carbon monoxide detectors.
  • Have gas appliances inspected at least once a year.
  • Properly vent all gas furnaces, water heaters and fireplaces.
  • Follow all safety instructions for gas-powered appliances, such as space heaters and generators.

7. Gas leak.

When a natural gas line leaks, you may smell gas (it smells a lot like rotten eggs). While natural gas lines don’t leak often, you should always take it seriously if it does. A gas leak inside your home can make you sick or even lead to an explosion.

If you notice the smell of natural gas inside your home:

  • Go outside IMMEDIATELY and call the utility company and 911.
  • Don’t try to find the leak.
  • Don’t turn on or off any electrical appliances.
  • Don’t smoke or have any open flames nearby.

8. Broken glass.

Whether it’s a cracked window or a smashed dinner plate, broken glass can be a difficult mess to clean up. Whenever possible, take actions to prevent it, such as closing shutters, blinds and curtains ahead of severe weather or handling glass objects with care. But when it happens, here’s how to clean up broken glass safely:

  • Don’t handle glass with your bare hands. Put on thick or rubber gloves if you have them or use a tool like a piece of cardboard or stiff paper to help you scoop up the large pieces of glass.
  • Next, use large tape, like duct tape, to help you pick up smaller pieces of glass. Because broken glass can travel farther than you might expect, be sure to use your large tape on the surrounding area, too.
  • Finally, mop or wipe up the entire area with wet wipes or doubled-up paper towels. If the glass is in your carpet, thoroughly vacuum the area using a hose attachment and move it in different angles and directions to get as much glass out of the carpet fibers as possible.
  • If the window is broken, you can seal it temporarily by taking a trash bag and cutting it with scissors to fit the window. Tape several layers of this plastic bag to the window’s frame with duct tape. Then immediately schedule a window repair or replacement.

9. HVAC goes out.

When your air conditioning or heating decides to quit, your first call should be to a technician who can inspect it, and if needed, repair or replace it as soon as possible.

If your A/C goes out during warm weather, take steps to keep your body temperature stable to prevent heat stroke and stay comfortable. Here are some things you can do:

  • Drink ice water often and avoid drinking alcohol. Alcohol can raise your body temperature.
  • Eat foods that are easy to digest, like fruits and vegetables.
  • Take a washcloth and rinse it under cold water, then put it on your neck, wrists or behind your knees to help keep your body cool.
  • Consider living in the lower level of your home since heat rises. For example, it may be more comfortable to sleep downstairs instead of an upstairs bedroom.

If your furnace stops working during cold weather, stay warm and safe with these tips:

  • Add layers to your clothing.
  • Don’t use your oven for heating.
  • Find a small area inside your home that you can heat with a fireplace or electric space heater. However, someone should stay awake while either of these are used to make sure there aren’t any issues. Be sure that your fireplace has proper ventilation to prevent carbon monoxide poisoning.
  • Hang curtains, quilts or bedspreads over doors and windows.

10. Ant or rodent infestation.

If you have unwelcome house guests that have more than two legs, it’s time to assess the situation so you can send them packing.

  • After you’ve spotted a mouse, walk the perimeter of your home — both on the inside and outside — and look for any signs of mouse activity (for example, mouse droppings, chewing or nests) and look for any small hole or crevice where the mouse could be entering your home. Cover any entry points with sealant or wire mesh. Then, set a series of mouse traps. If you continue to have issues, call a professional right away.
  • When you’ve found a trail of ants, remove them and thoroughly clean anywhere you think they’ve been with a vinegar spray to help remove their ant trail scents. Look for tiny gaps or cracks near windows, doors and floorboards, where the ants may be entering your home. Set up ant traps and consider calling a professional who can determine if there’s an ant nest near your home. If you have large black carpenter ants, call a professional immediately since these ants can cause more damage to your home.

References:
– WebMD
– Familyhandyman.com

Contact your Shield Insurance Agency for complete details on your home insurance coverage and discounts.

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