"The highest compliment we can receive, is the referral of friends and family."
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| Your Stimulus Package: Ways to Save
Raise Your Deductibles
We are looking for ways to help you save money on your insurance, increasing your comprehensive and/or collision deductibles is a great place to start. Also, if you have an older vehicle that is worth $2000 or less, it is probably time to remove the collision coverage from that vehicle. It is also recommended to take a look at your homeowners deductible....most insurance companies are happy to give you lower rates for higher deductibles so they do not have to process the smaller claims.
Change your Payment Plan
Changing your payment plan could save you as much as 7% a year on your bill! We also offer EFT which automatically deducts your payment from your account which can also save you money.
Consolidate
Another way to possibly save money is to have all your insurance with one company. Many of the insurance carriers we represent offer a multi-policy discount for clients who have their home and auto with that company.
Stick Around a While Changing companies can be tempting, especially with the catchy ads on TV and in your mailbox. Changing companies could actually lead to higher premiums in the long run; the longer you are with a company, the more you may save in renewal and/or longevity discounts. A rule of thumb is that unless you are saving 15% or more, it is a not a good idea to change carriers!
Annual Reviews
Policyholders are recommended to review your insurance yearly. Life changes such as retirement, marital status, job or career changes, car pooling or commuting all can have an impact on your insurance rates. (Not always do your rates go up if you make changes, sometimes the rates are reduced!) The easiest way to review your policy is to call our office and we will be happy to walk through the review process with you. Many times we find ways to save you money without giving up important coverage.
Check Before Buying
Consider insurance costs BEFORE making a commitment to buy a new car. If you provide us with the VIN (Vehicle Identification Number or Serial Number) we can quote the cost of the insurance for you within minutes.
Also, before buying that home or business property, let us go over the insurance costs and make sure there are no hidden insurance issues that could create an unexpected burden; flood insurance requirements, occupancy concerns, prior water damage claims can have an affect on the insurance on a property. Let us help you.
Call us to discuss which way to save would work best for you!
301.694.0028
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 College Students and Your Youthful Driver
Do you have a son or daughter away at college? "Will my child be covered under my home and auto policy while they are away at school?" The answer to that question is not as simple as a yes or no! We need to know if your student is living in an apartment instead of a dorm, and if so, who's name is the lease in and how many are sharing the space? Will your student take a vehicle with them to school or will they only come home on college breaks? (And, how is your vehicle titled?)
~ Call our office to find out more and how it could affect your policy.
Do you have a youthful driver that is licensed or about to be licensed? If you have someone in your household that is soon to be licensed, it is important that you call our office as soon as possible to avoid having something called "insurance premium shock". We can review procedures and "brace you" for the cost of a new inexperienced driver. We strongly encourage ALL youthful drivers to watch the Insurance Institute for Highway Safety (IIHS) Video, Young Drivers: The High Risk Years. (Click here or refer to our website for the link) Once your youthful has watched the video, call our office and we can check if you will be eligible for any discount.
301.694.0028
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 Autumn Checklist
- The chance of carbon monoxide poisoning increases when your house is closed up during the colder months. Installing a carbon monoxide detector can help protect you.
- Clean your furnace ducts to ensure heating efficiency.
- Change the filters in your furnace and see if any yearly fix-ups are necessary per your manual.
- Clean your fireplace, consider hiring a chimney sweep.
- Check the weather-stripping around doors and windows. Replace any stripping that are worn.
- Clean your gutters. Remove debris, check joints , check for leaks and for structural problems.
- Drain your sprinkler systems. Also shut off outdoor spigots and use freeze-proof covers if needed.
- Clean your dryer vents to prevent a possible fire hazard.
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Paper or Plastic...Paying Online
Many of the carriers we represent at DeLauder Insurance offer a variety of ways to pay your insurance bill.
*You can mail your check into the company direct
*You can have your payment electronically debited from your account every month
*You can pay with a credit card, checking or savings account online or over the phone
Contact us to find out the different ways we can help streamline your insurance payment process, OR CLICK HERE to be linked to the payment section of our website. Each insurance carrier is listed, and there is a link to each company's site.
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Halloween Street Safety
Tips for Drivers
Keep a lookout for Stray Spirits - Be aware of your surroundings, excited children could run into the street without looking.
Look before backing out of driveways - Be extra mindful of what or who is behind your car.
Avoid talking on the phone and Avoid texting- Having little to distract you during heavy foot traffic can benefit ALL.
Tips for Walkers
Glow in the dark - Make sure you are visible in the dark. Glow sticks are a fun way to make kids more visible as they trek down sidewalks and yards. Another option is reflective tape on shoes and clothes.
Talk to strangers only with parental permission - Make sure kids know when it is OK to talk to a stranger.
Know your safety plan - Make sure your kids know the "plan" if they are separated from you in the excitement of the night. Practice the plan before you leave for Trick or Treating. Also make sure they know important phone numbers to call if they find themselves on their own. It might be a good idea to give them a spare phone if you have one.
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We Love Referrals!
Win Dinner on Us by sending referrals our way!!
Send us a referral between October 1st and December 31, and we write their insurance, you will be entered in a drawing for a $50 gift card that is good at Outback Steakhouse, Carrabas Italian Grill, or Bonefish Grill.
We will be announcing the winner of the drawing in our January Insurance Connection issue. Top of page |
| Here are some fun facts for your amusement!
- The average four year-old child asks over four hundred questions a day.
- Fires on land generally move faster uphill than downhill.
- There is no tipping in Iceland.
- The average day is actually 23 hours, 56 minutes and 4.09 seconds. We have a leap year every four years to make up for this shortfall.
- One billion seconds is about 32 years.
- Every U.S. bill regardless of denomination costs just 4 cents to make.
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