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Bundling Home and Auto Insurance Policies

Thinking you want to bundle insurance, but aren’t sure if it’s the right move? Here are a few reasons why we generally recommend it.

 

Bundle Insurance to Save Money

The main reason to bundle insurance is to save a pretty penny. Since you have to get auto insurance and home insurance anyways, why not find a way to get a good deal? Bundling insurance generally provides that. According to this article on Forbes, you can save between 5% to 25% by bundling insurance.

The insurance company is able to give you a better rate because it’s kind of like shopping at Costco. You are essentially buying a higher volume of insurance, so you get a high volume discount.

That said, the amount of money you save by combining your auto insurance and car insurance will vary from state to state. The thing is, you don’t really know how much you can save until you actually go request a quote. You may live in a state that will let you get a great deal, or you may live in a state where the savings don’t add up to much.

The good news is there is more than one reason to bundle insurance.

 

Bundling Insurance Makes it Easier on You

Anyone who has experienced a meal with multiple young kids knows how hard it can be to please everyone. One kid loves pizza, the other hates it. The little girl wants apple juice but the boy only drinks milk.

This kind of divide puts the adults in a bad spot. Do they give one kid what they want, making the other one frustrated? Or do they take the time to make two different foods to keep everyone happy?

The ideal in this situation – just like with your insurance – is to be able to simplify things as much as possible. You want all of the kids to eat the exact same food so you aren’t dealing with two different dishes on the stove. Likewise, bundling insurance means you only have to work with one insurance company instead of two.

Get in a car accident? No problem – you know who to call, and they know you since you have multiple policies with them.

Have a hail storm and need a new roof? Again, no problem – your trusted agency is there to help.

 

Bundle Insurance to Simplify Your Life

Let’s face it – most Americans live busy lives. School, work, extracurriculars, family, friends, side hustles, hobbies – we have a lot going on. Even during COVID, people were finding ways to get out of the house all the time.

Sometimes the busyness of our lives can get overwhelming and we want to simplify things. Instead of eating different foods all the time, maybe you come up with a meal plan where you eat the same things most days. Instead of going to different events every weekend, maybe you pick your favorites and chill on the others instead of being on the go all the time.

Bundle home and auto insurance to simplify your life. You go from two payments to one. You only have one company to talk to if something comes up or you have questions about your policies. You only have one password to remember (or save somewhere) instead of two.

 

We Can Help

Want more information on how to bundle insurance? Give us a call at (877) 600-7347 or send us an email at info@partnersdirectins.com. We’ll guide you through the process and answer any questions you may have.

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St. Patrick’s Day Crafts for Kids

Wondering what kind of St. Patrick’s Day crafts you can do to keep the kids entertained and make it fun for them? Maybe you want a sweet treat they can munch on while making the crafts? You’ve come to the right place.

Why do St. Patrick’s Day Kids Activities and Crafts?

Most kids like being creative and making things with their hands. That’s why doing some kind of crafts will usually go over pretty well with them.

It’s a win-win for everyone:

  • The kids are engaged and learning something new.
  • It’s something you and your child can do together
  • Everyone gets a little more creative and exposed to something fun
  • You end up with a tangible craft the kids can play with, decorate their room with, etc.
  • It kids your kids away from a screen (video games, tablets, etc.)

The best news is these crafts don’t need to be too difficult.

Easy Craft Ideas for St. Patrick’s Day

In no particular order, here are a few things you can try.

Toilet Paper Roll Stamp

Cardboard tubes like toilet paper rolls are a crafty parent’s best friend. You can do all kinds of things with them – today, it’ll be turned into a “stamp” that can be used to help your kids make shamrocks.

First, fold in part of the roll so when you look through the tube, it’s the shape of a heart. Put a piece of tape across where you just pushed it in to hold the heart shape.

Now that you have your stamp, dip it into some green paint. Stamp the green paint onto some construction paper 3 times, putting the bottoms of the hearts touching each other. This gives you a shamrock shape – you just need to add the stem and color the leaves!

Rainbow Binoculars

This craft is more proof that a toilet paper roll is a great tool for crafty parents. For this project, you’ll need

  • Two toilet paper rolls
  • Six pieces of construction paper (purple, blue, green, yellow, orange, red)
  • Tape
  • Ribbon

First, tape the toilet paper rolls together, side by side. Make sure the ends are even with each other.

Next, cut the construction paper into strips and put the red strip around one end. Tape the ends together on the bottom.

Put the orange strip next to red, again taping at the bottom. Continue with the rest of the colors in order: yellow, green, blue, and purple.

The ribbon is optional but we recommend it. It’s a way for your child to hang the binoculars around their neck, so cut a decent length – about 2-3 feet – and tape the two ends to the binoculars.

Paper Plate Leprechaun

For this one, you’ll need

  • Green, black and yellow construction paper construction paper
  • A paper plate
  • Orange paint
  • A black marker or crayons

First, turn the paper plate upside down and paint the outside “frills” orange.

Next, use your marker to draw the leprechaun’s eyes, nose, and mouth.

Use your construction paper to cut out a hat. You need 4 things to make the hat:

  • The tall part (a wide rectangle)
  • The brim (can be a narrow rectangle or oval)
  • The belt (a small black rectangle that goes across the tall part)
  • The buckle (a small yellow square with a hole in the middle that goes on the belt)

Attach the hat to your plate and voila! You have your leprechaun.

St. Patrick’s Day Cookies

Who doesn’t love a good cookie? For this, we recommend keeping it easy.

  • Make your favorite sugar cookie dough
  • Get some St. Patrick’s Day cookie cutters (leprechauns, shamrocks, horseshoes, rainbows, etc.)
  • Use the cookie cutters to make the shapes you want
  • Add frosting to the tops of the cookies after they’re done baking

Simple but effective!

We hope you enjoy your St. Patrick’s Day!

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5 Things to Know About Car Insurance

Car insurance can be a tricky thing. Even though it’s a great safeguard in case you get in an accident or suffer damage to your vehicle, it’s also required across much of the United States. It can be difficult to decipher what type of policy that you need, especially since you’ll have to take note about if it satisfies legal requirements for insurance.

Here are a few things to know about car insurance for your own knowledge, and to help you find the right policy for your needs.

Insurance Coverage Varies: Drivers in California need liability insurance. This is to protect you and other drivers in case of an accident. Coverage usually includes limits for injuries per person, injury per accident, and other property damage.

Cost Depends on Statistics: Insurance companies often assign prices for different coverages based on statistics. For example, teenage drivers have statistically been shown to be high-risk drivers, and insurance companies charge for coverage accordingly.

Others will use your driving record and even your zip code and credit score to come up with a rate that’s based on these types of statistical metrics. Some states limit what type of statistics insurance companies can use to come up with rates. Using a credit score as a risk indicator for insurance is not allowed in California.

Buy Before You Drive: It’s important to secure car insurance before driving, and before the actual car-buying process. Shopping around early for insurance will help you with the car budget because you’ll have an idea about your premium. It’s important to not have a lapse in coverage between policy terms for your insurance. Otherwise, don’t be afraid to switch up your insurance. If you add a new driver, or feel that your rates are jumping up too high, then start shopping around for new quotes.

Click here to learn the risks of not purchasing auto insurance!

You Can Lower Your Rates: It’s certainly possible to lower car insurance rates to a certain extent. For example, maintaining a clean driving record can go a long way towards keeping rates lower in the future. Other strategies include sharing a policy with someone else, bundling car insurance with a homeowners policy, or paying your premiums early. These tips could help you make a stronger case for lower rates in the future, but it is not guaranteed.

Keep these five things to know in the back of your head as you hit the road.

Do you have a question about car insurance? Click here to contact Partners Direct Insurance Services today!

Courtesy of Cuselleration

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No Auto Insurance: California Dreaming Turns Into a Nightmare

 

You are probably like millions of Californians who depend on their cars to get to work, run errands, pick up the kids, go to the grocery store: in other words just live life. Then, one day while you’re on the interstate, someone abruptly cuts in front of you and the two of you collide, totalling your car. If you don’t have auto insurance, you are looking at a huge financial uphill climb. You will have to find another vehicle, and find a lot of money to buy it. It can be a life game-changer, and it all happened in a split second.

 

Let’s Look at Auto Insurance Numbers

  • 1 in every eight Americans chooses to have no automobile insurance
  • Here in the Golden State, there are about 32 million registered motor vehicles. Think about that: 32 million is far more than most states have in population!  Each owner is required by California state law to have auto insurance, but unfortunately, many do not.
  • One interesting note is that there are more registered motor vehicles than there are licensed drivers.
  • We have roughly 22 million licensed drivers in the state, so that is 10 motor vehicles for every eight drivers.
  • Even if we cut out the five-and-a-half million extra automobiles, Californians drive 300 billion miles a year.
  • To do this, in California we use 15 billion gallons of gasoline.
  • In terms of Vehicle Miles Traveled (VMT) California drivers average 13,636 each year. Compare that to the national average VMT of 9,363, according to recent data.
  • In its 2012 Urban Mobility Report, the Texas Transportation Institute declared that drivers in two regions: Los Angeles Long Beach Santa Ana (LA-LB-SA) and San Francisco Oakland (SF-O) experience a yearly average of 61 hours of delay in traffic.

 

So in other words, here in the Golden State, we are dependent on our automobiles and we drive a lot.

 

  • The State of California requires insurance companies to take the number of miles you drive each year into account when figuring out auto insurance premiums. It just makes sense: the more miles you drive, the more likely you would be to get into an accident.
  • Also, the type of vehicle you drive impacts your rates. California car insurance premiums are largely based on how old, how expensive, how safe, or how prone your car is to be stolen by thieves.
  • It is imperative that you have insurance, so if you are in a wreck, you can be covered, and get in a new vehicle without it impacting your financial life. Also, if the wreck is deemed to be your fault, you need liability insurance in order to take care of the other driver as well.

 

At Partners Direct Insurance, we take your individual driving needs into consideration in order to find you the best premium to keep you covered. For example, if you were driving a large number of miles, say 15,000 but your job change has cut that down significantly, that could mean a reduction in your premium.

 

That’s why it is important to work with an insurance company who will find the best deal…for you, in order to protect your savings and your assets in case of an accident.  Contact us at Partners Direct Insurance: just fill out your contact information and one of our team members will be in touch to provide a quote on our comprehensive Auto Insurance policies. We want you to have the best option so you can have peace of mind while stuck in traffic!

 

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