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Issue No. 3
November 2010
"The Advisor"

Greetings!

Save money on Auto insurance.... Avoid common mistakes....  


This month we are going to talk about how to be a safe driver and how to save money on your car insurance.

 

Dave Kotowych          Brenda Sigurdson        Bryce Kotowych 
 
281.354.4500
 
STOP


Last year alone, distracted drivers were blamed for nearly 6,000 deaths. A recent survey found half of those between the ages of 16 and 29 admit to texting-while-driving, according to Common Knowledge Research Services.

It's NOT only teens that text and driveTexting While Driving on The Today Show
Take the Quiz
 
 to test your knowledge on Distracted Driving.....

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Save $$$$

     Learn how you can save money on your premiums by:

  • Reducing rates on teenage drivers
  • Keep your auto rates down
  • How credit history affects your premiums

For more ways on how you can save, contact us today.

Safe Driving Tips

We are spending more and more time in our cars, with more distractions than ever.  Below are some ways to make the road a safer place for everyone. 


Pay Attention With White Space


  • Buckle up
  • Know the rules of the road
  • Avoid distractions
  • Limit the number of teen passengers
  • Don't drive while drowsy
  • Don't drink and/or take drugs and drive
  • Drive defensively
  • 3 second rule
  • Don't be over-confident
  • Q&A's
    1. When I rent a car, is it necessary for me to purchase insurance from the rental company?
    2. How much does the cheapest car insurance cost?
    3. My teenager let her friend drive her car and she had an accident, is she covered under her insurance or mine?
    4. What can I do to minimize the additional cost of insuring my young driver?



     
          Have more questions?     
      
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    In This Issue
    STOP Distracted Driving
    Premium Savings
    Safe Driving Tips
    Q&A
    Find Cheap Gas
    Prodigy Athlete
    Did You Know?
    Insurance Terms
    What Our Clients Say About Us
    Find Cheap Gas
    In this economy, we are all looking for ways to save money, especially when it comes to our cars.  Go to our website for an interactive way to FIND CHEAP GAS in your area.

    Prodigy Athlete

    High School sports are in full swing and as a proud supporter of your community, we would like to give special recognition to a deserving athlete. Nominate your favorite athlete today.

    Did You Know?

    Texting while driving slows reaction time 35 percent - making it more dangerous than driving while high or drunk. Yet 48 percent drivers under 25 have done it.

    11,773 people will die in drunk-driving crashes - one every 45 minutes.

    Car Insurance Rates can vary by as much as $500 between carriers with all things remaining equal.

    Combining your Home and Auto Insurance can save you between 15% and 25%per year on BOTH policies.

    Child car seats: Any child younger than 8 - unless they are taller than 4 feet 9 inches - must be in a safety seat.

     

    Cellphones: No one younger than 18 can use a cellphone while driving. No one of any age can use a cellphone in a school zone, unless it's to make an emergency call, the vehicle is stopped or a hands-free device is used. Fines will be up to $200.

    Insurance Terms
    Familiarize yourself with insurance terms and understand your Home and Auto insurance coverage.

    Auto
    Accident Forgiveness- In most states, customers who have not had an at-fault accident in the previous.......

    Collision Coverage-Covers damage to your car when your car hits, or is hit by.......
     
    Comprehensive Coverage-Protection against damage resulting from incidents other than collision, such as.......

    Liability Insurance-Insurance providing money on behalf of the policyholder to pay because of bodily injury or.......

    Deductible-Usually, a dollar amount the insured must pay on each loss to which.......
    What our customers are saying...

     "I switched my Home, Auto, and Umbrella insurance to Prodigy Insurance Group and saved $2,545 per year AND got better coverage!  How can that happen?  I don't have the time to continually shop my insurance and now Prodigy does that for me every year."
                -David & Liz, New Caney, TX        

    Prodigy Insurance Group is an Independent Insurance Agency
    Trusted Choice

    Learn what that means and how we can help you.
     
    281.354.4500
    Questions or Comments?  Email .