Archive for the ‘Money Savings’ Category

Boat Insurance: 4 Boat Safety Tips To Practice Out On The Water

Friday, April 13th, 2012

Will you be using your boat for recreational use this summer? If yes, you need to know about recreational boat safety tips. This article will provide you with four tips to stay safe while out on the water.  Prepare for fun and safety now.

In the United States more than 13 million boats are registered as recreational boats. Although boating can be fun, it can also be dangerous and destructive – $50 million in boat property damage occurs annually in boat insurance claims. Boating fatalities are around 700 per year. Injuries beyond standard first aid are near 5,000 a year. It is obvious; boat insurance is necessary.

Here are  four  tips to stay safe out on the water:

Don’t Drink and Drive. Boating and drinking do not mix. Almost a quarter of boating fatalities had alcohol as a factor.

- Take a Boating Safety Course. When you are knowledgeable how to be safe out on the water, you are more likely to remain safe. The U.S Coast Guard is a resource you can use to learn and be trained for boating safety.

Follow Traffic Laws. Just because you are out on the open water does not mean you should disregard traffic laws. Laws are made and practiced for you to be safe as possible while boating. Follow the law.

-Have A Float Plan. What is a float plan? A float plan is letting someone know where you will be and when you will be back. This will help rescue personnel know you are gone and  make it easier for them to find you if an emergency happens.

For the best safety, purchase boat insurance from Kennedy Insurance Agency.

According to information from the U.S. Coast Guard, property damage to boats has been increasing. Many states now require boats to be insured. If you have your boat on a loan or use a marina, you will probably also be required to insure your boat. If you are not required to insure your boat, it is important you still consider purchasing boat insurance.

Boat insurance works similar to the insurance for your car, and can protect in the same way. But, since boats have different features than your car, you will want to make sure you have all the coverage’s you need and any savings that may lower your premium.

Kennedy Insurance Agency will help you make the right decisions about your boating insurance. Here are just a few features we offer for boat insurance .

 

If you have any questions or need professional services, contact the Kennedy Insurance Agency by calling 410-355-1010 or click here today!

Kennedy Insurance has provided Insurance solutions to individuals, families, and businesses for more than 25 years. No matter what type of Insurance you need, we have the knowledge, experience, and markets you can trust. Our Personal and Commercial lines departments can satisfy a broad spectrum of Insurance needs. With a large number of companies to choose from, we shop the markets so that you do not.

Our primary goal is to provide the people of Baltimore, Maryland and its surrounding areas with adequate Insurance at a competitive price, while still providing excellent customer service.

Check us out on Facebook and Twitter as well!

Source: Top 10 Recreational Boat Safety Tips

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3 Ways To Save On Motorcycle Insurance

Thursday, April 5th, 2012

If you are looking for ways to save on motorcycle insurance, you are in luck. You can find a good deal on motorcycle insurance by learning about the types of coverage available and how you can save money with them. Read to learn and start saving today.

The three types of motorcycle insurance are as followed:

Liability and Property Damage is the minimum coverage the state law requires. This insurance covers your bodily injury, another person’s bodily injury if you are at fault, and property damage you inflicted on someone else’s property.

Comprehensive and Collision is another motorcycle insurance coverage. This coverage will protect your motorcycle from fire, theft, flood, and vandalism. The higher your deductible, the lower the cost of your insurance will be. This type of coverage often only covers the cost of replacing factory parts. It will not cover custom parts and accessories. If you believe you will need custom parts and accessories covered, you will need additional coverage or optional equipment coverage.

Uninsured Motorist insurance covers you if you are in an accident with someone not carrying liability insurance. It covers medical bills, loss wages, pain and suffering. So make sure your motorcycle insurance covers both medical and property damage.

Here are a few ways to save on Motorcycle Insurance:

-Ask for a Higher Deductible when purchasing comprehensive and collision coverage for your motorcycle, especially when you have a high-end sports bike. When you have a higher deductible you can combat high premiums because your monthly premium is lowered by 30 percent.

Get a Motorcycle Safety Foundation Certificate. When you demonstrate to your insurance company you are a good driver, you can get a 10% to 15% discount on your motorcycle insurance.

-Combine Insurance Coverage. If you have all of your insurance coverage with one company, you can save big. You can combine your car, homeowners/ renters insurance with your motorcycle insurance. You could saver over 10% of insurance.

For affordable motorcycle insurance, request a quote from Kennedy Insurance Maryland here.

If you have any questions or need professional services, contact the Kennedy Insurance Agency by calling 410-355-1010 or click here today!

Kennedy Insurance has provided Insurance solutions to individuals, families, and businesses for more than 25 years. No matter what type of Insurance you need, we have the knowledge, experience, and markets you can trust. Our Personal and Commercial lines departments can satisfy a broad spectrum of Insurance needs. With a large number of companies to choose from, we shop the markets so that you do not.

Our primary goal is to provide the people of Baltimore, Maryland and its surrounding areas with adequate Insurance at a competitive price, while still providing excellent customer service.

Check us out on Facebook and Twitter as well!

Source: Saving on Motorcycle Insurance

 

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How To Spring Clean And Save On Your Car Insurance

Friday, March 30th, 2012

It is spring and time for you to do a little spring-cleaning and make your car insurance more affordable. We are here to help you do both with a few spring-cleaning tips for your car and ways to make your car insurance more affordable.

Spring Cleaning Tips For Your Car

When cleaning your car, you cannot just focus on the outside. You have to do a good cleaning on the inside. The first thing you should do is clean the clutter by getting rid of all trash – coffee cups, fast food bags, and water bottles. Vacuum your car out and do a deep clean.

Once you are finished cleaning out your clutter, clean your car windows inside and out. This will help you see more details and increase your vision clarity during driving.

Maintenance Your Car To Lower Your Insurance Rate

To save on your car insurance keep your car in the best possible condition. You can do this by going under hood to look at your fluid levels. Look at your oil, transmission fluid, power steering fluid, windshield washer fluid, and brake fluid.

All these fluids are important to the safe operation of your car. You do not want costly auto insurance because you didn’t keep up on your car maintenance. Sometimes auto accidents can occur because of your failure to properly maintain your car.

Once you are done looking under the hood, look at the underside. Inspect your car for corrosion that could have happened during the winter months from salt.

Lastly, take a detail look at your car insurance payments. What are you really paying for? When was the last time you compared car insurance quotes for your car?

You may be paying for more than you really need to pay. You can find affordable car insurance at Kennedy Insurance Agency Maryland.

When you buy an auto insurance policy, you are buying a package of individual coverages. Different coverage protects you against different types of losses. Once you understand the various coverages, you can decide which ones to include in your personal insurance package. You can also determine the limits of coverage you will need.

Check out your auto insurance options.

If you have any questions or need professional services, contact the Kennedy Insurance Agency by calling 410-355-1010 or click here today!

Kennedy Insurance has provided Insurance solutions to individuals, families, and businesses for more than 25 years. No matter what type of Insurance you need, we have the knowledge, experience, and markets you can trust. Our Personal and Commercial lines departments can satisfy a broad spectrum of Insurance needs. With a large number of companies to choose from, we shop the markets so that you do not.

Our primary goal is to provide the people of Baltimore, Maryland and its surrounding areas with adequate Insurance at a competitive price, while still providing excellent customer service.

Check us out on Facebook and Twitter as well!

Source: Spring Cleaning Tips for Your Car and Cheap Car Insurance for Your Wallet

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4 Car Insurance Tips That Save You Money

Friday, February 3rd, 2012

Are you looking for more affordable car insurance? If yes, we have four car insurance tips that will save you money while keeping your property covered. Read below to get started.

Know Your Coverage Types

When picking quality car insurance, you need bodily injury liability (covers injury and death claims against you, when in a car accident), property damage liability (covers claims for property that your car damages during an accident), medical payments (pays injuries to your physical health and occupants in your car during an accident) and uninsured motorist protection (covers your car if someone without car insurance does a hit-and-run).

Be Aware of State Minimums

Your state will have a minimum set of auto insurance liability coverage requirements. Find the minimum auto insurance liability cover requirement on your state’s insurance commissioner’s website. Make sure you know what minimums you have to maintain, so that you can eliminate ones you do not need out of your auto insurance cost.

Be Aware of Financing Requirements

Do you finance your vehicle? If yes, you might have additional requirements to pay. This affects your deductible. Know your required limit before you ever raise your deductible.

Get Every Discount You Can

When you look for discounts, you save big time. Call your insurance company and ask for a list of all discounts the insurance company offers. Review this list to see if you are getting the best discount for your money. For example, the defensive driving discount might be something to look into at an insurance company.

Start saving today with Kennedy Insurance Agency, an affordable and reliable insurance company.

If you have any questions or need professional services, contact the Kennedy Insurance Agency by calling 410-355-1010 or click here today!

Kennedy Insurance has provided Insurance solutions to individuals, families, and businesses for more than 25 years. No matter what type of Insurance you need, we have the knowledge, experience, and markets you can trust. Our Personal and Commercial lines departments can satisfy a broad spectrum of Insurance needs. With a large number of companies to choose from, we shop the markets so that you do not.

Our primary goal is to provide the people of Baltimore, Maryland and its surrounding areas with adequate Insurance at a competitive price, while still providing excellent customer service.

Check us out on Facebook and Twitter as well!

Source: 20 Tips For A More Affordable Auto Insurance Policy

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Entrepreneur Top 3 Business Insurance Tips

Thursday, January 12th, 2012

Are you a new entrepreneur looking to save money and get the right insurance coverage for your business? If yes, we have three great business insurance tips to share with you. Read below to start saving.

Premiums are Deductible for Tax Purposes

Your premiums for fire, casualty and burglary insurance can come in handy for your business property because they are all tax deductible as trade or business expenses. Remember if you are a business taxpayer that has a self-insured plan, all payments from the self-insurance will not be eligible for tax-deductible purposes. But you are not out of luck if you have a self-insured plan because premiums for life insurance are tax-deductible. Premiums paid on a policy covering anyone essential to your business are deductible if the business is not directly or indirectly a beneficiary. If the business is a direct or indirect beneficiary, it is not deductible because life-insurance proceeds do not need to be included in taxable income.

Write It Out

Make sure before you see an insurance representative that you write down your expectations. Your insurance representative needs to be informed of any important information about your business. They are here to help you. Not being informed about your business exposes you to more potential for loss. Also when you keep your insurance representative in the know, you avoid duplicating and overlapping policies. Never pay for insurance factors that you do not need.

Insurance Losses

Make sure you notify your insurance company of any accident with 24 to 72 hours. If you fail to report a loss in a timely fashion, you make it harder to nullify your right to recovery.

Never be afraid to tell your insurer your preference in reimbursement methods. An insurer usually gives you three kinds of options: paying cash, repairing the insured item or replacing the insured item with something of a similar quality.

 

If you have any questions or need professional services, contact the Kennedy Insurance Agency by calling 410-355-1010 or click here today!

 

Kennedy Insurance has provided Insurance solutions to individuals, families, and businesses for more than 25 years. No matter what type of Insurance you need, we have the knowledge, experience, and markets you can trust. Our Personal and Commercial lines departments can satisfy a broad spectrum of Insurance needs. With a large number of companies to choose from, we shop the markets so that you do not.

 

Our primary goal is to provide the people of Baltimore, Maryland and its surrounding areas with adequate Insurance at a competitive price, while still providing excellent customer service.

 

Check us out on Facebook and Twitter as well!

Source: Insurance Tips

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3 Tips To Save Money Through Insurance In 2012

Friday, December 30th, 2011

Great way to start the New Year is to save money. You can save a decent amount of money through your insurance in 2012. We are here to help by providing you 3 superb tips to save money through insurance. Read below to get started.

Shop Around For The Best Value Deal

When it comes to car insurance, you need to shop for the best value deal for your personal needs. For example, add an older driver to a vehicle a younger driver uses to significantly save on insurance. Insurance companies will make a policy more expensive when a driver is young in age. Other ways to save on car insurance is through car-pooling with co-workers. If you have less mileage on your car, you have large savings in insurance.

Pay Annually Instead of Monthly

When it comes to home insurance, you can have great insurance savings by paying annually rather than monthly. Be sure to shop around for the best value with home insurance to make sure you save in addition to the annual pay change.

Lower Your Life Insurance By Improving Your Health

You can save on your life insurance by practicing healthier behaviors in your lifestyle. You can improve your lifestyle by giving up smoking.

If you have any questions or need professional services, contact the Kennedy Insurance Agency by calling 410-355-1010 or click here today!

Kennedy Insurance has provided Insurance solutions to individuals, families, and businesses for more than 25 years. No matter what type of Insurance you need, we have the knowledge, experience, and markets you can trust. Our Personal and Commercial lines departments can satisfy a broad spectrum of Insurance needs. With a large number of companies to choose from, we shop the markets so that you do not.

Our primary goal is to provide the people of Baltimore, Maryland and its surrounding areas with adequate Insurance at a competitive price, while still providing excellent customer service.

Check us out on Facebook and Twitter as well!

 

Source: Ten Top Tips To Save In Insurance In 2012

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5 Useful Car Insurance Tips

Tuesday, December 20th, 2011

Did you know that the cost you pay for auto insurance could depend on a range of factors from age, marital status, car model and home location? Although you cannot change most of these to lower your auto insurance, we can give you five useful auto insurance tips that can save you greatly on your next car insurance bill. Read below.

Know Your Coverage Types

When you pay insurance you are insuring things that a certain car type has potential to experience in its lifetime and your lifetime:

Ø Bodily Injury Liability. This part of your insurance covers injury and death claims that could be against you if you injure or kill someone with your car.

Ø Property Damage Liability. This part of your insurance covers claims for property your car may damage during an accident.

Ø Medical Payments. If you or anyone in your car gets injured, this part of your insurance pays for medical needs.

Ø Uninsured Motorist Protection. This part of your insurance covers you for damages you may suffer from someone who is not insured or someone who hits and runs from an accident.

Ø Collision Coverage. This will cover damage to your car up to its value. It does this because it has a deductible which is what you must pay before insurance takes effect. If you have a very low deductible, you will have a higher premium. Comprehensive, also known as physical damage, covers theft, vandalism, fire, wind, flood and non-accident causes. This is deductible just like the collision coverage.

What You are Riding Matters

If you want to drive will affect your premium cost. For example if you drive a sports car, an insurance company is more likely to charge you more to protect it while you are driving around town. Insurance premiums are usually based on the price of your car and how expensive it would cost to repair it, if necessary. But you can also lower your insurance rate if your insurance company has a solid experience with dealing with a particular vehicle model or a certain category of drivers.

For more of the 5 great car insurance tips, read this article from Auto.HowStuffWorks.com.

If you have any questions, contact the Kennedy Insurance Agency by calling 410-355-1010 or click here today!

Kennedy Insurance has provided Insurance solutions to individuals, families, and businesses for more than 25 years. No matter what type of Insurance you need, we have the knowledge, experience, and markets you can trust. Our Personal and Commercial lines departments can satisfy a broad spectrum of Insurance needs. With a large number of companies to choose from, we shop the markets so that you do not.

Our primary goal is to provide the people of Baltimore, Maryland and its surrounding areas with adequate Insurance at a competitive price, while still providing excellent customer service.

Check us out on Facebook and Twitter as well!

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How To Get Cheap Insurance For Your MotorCycle

Friday, December 16th, 2011

Are you planning on getting a motorcycle this holiday season? If yes, we have a few tips to share with you to help you get the cheap insurance for motorcycles.  Now many insurance companies offer in person and online motorcycle insurance quotes. Read below to learn how to get cheap insurance for your motorcycle.

Include your motorcycle to your car insurance policy.

If you already have a car, request your car insurance agent for a quote for motorcycle insurance. Insurance companies offer a policy discount when you cover several vehicles.

Drive Less

If you drive your motorcycle less, an insurance company will offer a cut rate to you for driving less. Ask about the low mileage discount and see if you are eligible.

Aging Helps

The older you become, the cheaper your motorcycle insurance will be. Get experience being a motorcyclist and you will have cheaper motorcycle insurance.

Stay Clean

With a clean driver’s record, you have the potential to get cheaper insurance on your motorcycle.

Park It

Do you have a garage? If yes, you should park your motorcycle in your garage. Your insurance company will give you a better rate, knowing that you are taking precautious to protect your motorcycle. They do this because you reduce the risk of your motorcycle being stolen or vandalized.

For more motorcycle insurance tips, read this article from AnExcellentWays.com.

If you have any questions, contact the Kennedy Insurance Agency by calling 410-355-1010 or click here today!

Kennedy Insurance has provided Insurance solutions to individuals, families, and businesses for more than 25 years. No matter what type of Insurance you need, we have the knowledge, experience, and markets you can trust. Our Personal and Commercial lines departments can satisfy a broad spectrum of Insurance needs. With a large number of companies to choose from, we shop the markets so that you do not.

Our primary goal is to provide the people of Baltimore, Maryland and its surrounding areas with adequate Insurance at a competitive price, while still providing excellent customer service.

Check us out on Facebook and Twitter as well!

 

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6 Insurance Tips To Save Money This Christmas

Friday, December 9th, 2011

Are you trying to save money while being generous to your friends and family this holiday season? If yes, we are here to help by giving you six insurance tips to save money during the holidays. Read below to learn about the tips.

 

Gallup has estimated that the average American will spend an average of $764 on Christmas gifts in 2011. To afford this type of spending, it may be necessary to cut in your household insurance budget.

 

If you examine your insurance, you can have big savings you can use to add some holiday cheer this year and next Christmas. Here are just a few ways to save:

 

Ask for a discount on your auto coverage.

The Auto insurance industry is very competitive. Aim for a 10% discount. If they say no, threaten to seek a new provider. You will see them give you that 10% discount.

 

Combine your insurance policies.

If you consolidate your auto insurance with health, homeowners or life insurance, you can save 10% to 15% on your insurance policies.

 

Increase your deductible.

Yes, this has risk attached to it if you are a health insurance customer but increasing your deductible on auto or health insurance can save you up to 30% every month on insurance costs. You can switch back to less deductible once the holiday season is over.

 

For more great insurance tips to save during the holiday season, read this article from MainStreet.com.

 

If you have any questions, contact the Kennedy Insurance Agency by calling 410-355-1010 or click here today!

 

Kennedy Insurance has provided Insurance solutions to individuals, families, and businesses for more than 25 years. No matter what type of Insurance you need, we have the knowledge, experience, and markets you can trust. Our Personal and Commercial lines departments can satisfy a broad spectrum of Insurance needs. With a large number of companies to choose from, we shop the markets so that you do not.

 

Our primary goal is to provide the people of Baltimore, Maryland and its surrounding areas with adequate Insurance at a competitive price, while still providing excellent customer service.

 

Check us out on Facebook and Twitter as well!

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