17 Aug 2017
Add-Ons for Auto Insurance

Are Add-Ons for Auto Insurance Worth It?

Does your auto insurance need all of the added bells and whistles?

A typical car insurance policy covers you from having to pay for damages that you cause. However, for truly personalized coverage that protects you from all sorts of accidents and financial hardships, auto insurance add-ons are available. When comparing auto insurance policies and add-on coverage, the cheapest policies tend to be the ones without all of the trimmings. However, motorists should be advocates of getting the right level of coverage at the right price, rather than opting for the cheapest, most minimal policies. After all, insurance protects your wallet in the long run.

Here’s a run-down of the extras most commonly offered, so that you can work out your desired coverage!

Accident forgiveness – For those who are normally a safe driver and rarely file a claim, this is for you! Some insurance companies will provide those who are qualified with forgiveness for accidents that rarely occur.

Small claim forgiveness – Small claims, such as fender benders, can increase your auto insurance rate.  In the spirit of forgiveness, this coverage means that your rate remains the same even if you file a minor claim.

Loss of use – Anyone who has been without their car after an accident knows the frustration of using public transportation and taxis or splurging for a rental car. This coverage reimburses your expenses that you face when your car is getting repaired or replaced.

Personal umbrella – Personal Liability Umbrella insurance supplements the liability coverage you already have on your auto and homeowners policies, providing an extra layer of protection.

Towing & Roadside Assistance – Avoid the heart-sinking feeling of breaking down on the side of the road with no means of help. Your auto insurance policy can provide you with a tow truck that will transport you and your car to a mechanic, locksmith services, jump-start your battery, or deliver you fuel so that you get back on the road quickly.

Rental car reimbursement – If you need a rental vehicle after an accident, your policy can foot the bill of this expense so that you don’t have to be without your car and money!

Extended customized equipment coverage – If your ride has a new stereo system, subwoofer, chrome rims, spinners, or a similar feature, you may not be covered if they’re damaged or stolen. With this coverage, you can protect this equipment!

Talk to your independent insurance agency today to customize your auto insurance policy so that you can cruise the roads, protected! Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

10 Aug 2017
First Home Insurance Policy Affordable

Making Your First Home Insurance Policy Affordable

Buying a home? Don’t lose money with an over-priced home policy.

After an exhausting process of finding the perfect starter home, buying the first homeowners insurance policy that you can find sounds pretty good. While this is tempting, it’s important not to do this.

Home insurance is just as crucial as securing the right mortgage rate! With this coverage, your beloved home and large investment are kept in great shape for years to come. Even though it’s hard to imagine your sparkling new home in disarray in the aftermath of a natural disaster, accidents happen.

If your new hubby or happy family are looking for your first home insurance policy, here are some tips to keep your coverage high and rates low!

Don’t just go for the cheapest policy.
In a ridiculously cheap policy, it’s likely that the coverage will be less than minimal. You’ll need to secure the right amount of protection for the risks to your dwelling, personal belongings, and liability.

Save by bundling your policies.
Many insurers will grant you savings when you purchase multiple policies from them. This way, you can enjoy managing all of your policies under one entity and save money! That’s what we call a win-win.

Understand your coverage limits.
You should always know what exactly is covered in your policy – and what isn’t! If you find gaps in your policy, be sure to call your insurer to learn how you can protect yourself, your finances, and your assets. In many cases, you can increase or decrease your coverage limits, which means that you get the protection levels you want!

Review your credit score.
Not only does a good credit score help you to get a better interest rate on your mortgage, it could also help you to save on your homeowners insurance. If you have less than ideal credit, improve it by spending less, reducing your debt, and paying your bills on time.

Are you ready to secure the right homeowners insurance policy for you and your new home? Contact Moser Group Inc., located in New York, to get started today!

03 Aug 2017
Compare Life Insurance Policies

How to Compare Life Insurance Policies

Compare life insurance policies to find the best coverage for you and your family. 

Like anyone else, you want a life insurance policy that meets your needs and budget. However, a simple search on the web can bring up thousands of results of policies, all seeming so familiar – so where do you start? The key is to know how to compare policies and evaluate the results.

Know What You Need

When purchasing life insurance, the questions isn’t really how much you need, but how much capital your family will need at the time of your death. This depends on two variables:

  • How much will be needed at death to meet immediate obligations? (e.g. uncovered medical bills, funeral costs, outstanding debts, mortgage balance, etc.)
  • How much future income is needed to sustain the household? (e.g. the total “present value” of cash-flow streams your family will need after your death)

Know What You Want

There are different types of life insurance policies to be aware:

Term – This provides life insurance protection for a specific length of time at a fixed rate.

Whole – It is not defined by a specific term length but it pays a guaranteed benefit to your beneficiaries when you die, and generally accrues a cash value over time through interest.

Universal – This is referred to as a flexible premium or adjustable life insurance. This is not limited to a set term.

Once you’ve established what insurance policy that you want, it’s time to search!

Check the Coverage
While you may be tempted to go with the cheapest policy, be aware that it may not provide enough coverage for your family. Do you really want to put them in a financial bind – even after you’ve passed? Talk to a professional insurance expert to find out what life policy is best for you!

For the reliable life insurance policy that you need and deserve, contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

27 Jul 2017
Gardening tools and flower

Keep Your Garden Alive with These Green Maintenance Tips

Go green this summer with these gardening maintenance tips!

Going green in the garden and around the home is a great way to contribute to the well-being of the planet we call home. Homeowners across the country are looking for simple ways to go green and lessen the impact of our carbon footprints. Read on for some maintenance tips on how to go green in your garden this summer!

Green Gardening Maintenance Tips For Homeowners:

  • Going green will be easier with drought tolerant plants such as succulents. Once you decide where you will be planting your greenery, it is important to do some light research about the environment and climate. This will help you in choosing the appropriate fertilizer and watering schedule.
  • Gardening maintenance will depend on the types of plants you choose; make a compost bin or pile so that you can take advantage of all the leftovers remaining after pruning, trimming, and repotting.
  • Did you know that you can make your own fertilizer out of the nutrients in your compost heap? This is a great way to save on fertilizers while also yielding environmental benefits.
  • Altering your irrigation habits is extremely important in maintaining a beautifully green garden. It is important that you always water sparingly as to not soak the soil and always keep an eye out for the weather forecast so that you can take advantage of incoming rain.
  • Avoid using pesticides at all costs. Before we created pesticides, there were insects performing this job. To further continue your environmental efforts, use lacewings, hoverflies, and ladybugs instead of pesticides.

Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff help you meet all your personal and commercial insurance needs.

20 Jul 2017
Thief with a bar of iron

Keep Your Home Safe While On Vacation

Keep your home safe while you’re on vacation with these tips.

Vacation season is here. With beautiful weather and time off from school, it’s the perfect time to take a vacation. As you’re packing your bags and putting the finishing touches on your getaway, don’t forget to take precautions to secure your home. Your home is at a greater risk for burglaries when you’re out of town. Protect your home while you’re away with these home safety tips.

  • Turn the lights on. A well-lit home tells burglars that someone is home. Set your lights on a timer so that they’ll go on and off, even when you’re not home.
  • Make friends with the neighbors. It’s good to have neighbors that you can count on when you’re away. From keeping an eye on your home to picking up your mail, ask your neighbors to help you out while you’re away.
  • Be wary of your newspapers and mail. A driveway full of papers and a mailbox full of letters, are tell-tale signs that you’re out of town. Have your mail taken care of while you’re away to reduce your chances of a burglary.
  • Avoid posting on social media. Posting your travel plans on social media can alert burglars that your home is empty. Hold off on posting on social media until you return from your trip.
  • Double check that all the doors are locked. It may seem like common sense to lock up, but with all the stress of preparing for a trip, it can be overlooked. Walk through your home before you leave so that you know that everything is ready to go.

When it comes to keeping your home safe while you’re on vacation, take precautions to protect your home and invest in homeowners insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff help you meet all your personal and commercial insurance needs.

13 Jul 2017
Fotolia_24172983_Subscription_XL

Tips to Help Reduce Stress

Keep your stress under control with these stress management tips.

Stress is a part of everyday life. From rushing getting kids to school on time to walking into that big meeting, there are lots of opportunities for stressful moments. While a little stress is okay, too much stress can have detrimental health effects. Find ways to better manage your stress so that you stay healthy. Find out what you need to know about managing your stress with these tips.

Find Your Zen.

Practicing mindfulness and meditation can help you to keep your stress under control. When feeling overwhelmed, practice deep breathing, meditation, or do some yoga or stretches. Focusing on a single task, instead of multiple, can help relax and better manage your stress.

Stay Positive.

The mind is a powerful thing. When it comes to your mindset, ensure that you are thinking positively. The more positive your thinking the better able you are to cope with stress. Adopt a more optimistic outlook on life so that you have less stress.

Eat Well.

The foods that you eat give you the right nutrients to help your body function properly. Help your body fight off stress by eating a nutritious diet. Eat plenty of fruits and vegetables so that you’re better able to combat stress.

Exercise.

Moving your muscles help to release stress from the body. Plus, when you exercise your brain releases certain chemicals to help you fight stress and boost your mood. When you’re feeling stressed, go for a walk, run, or bike ride. The exercise can help to balance your stress levels.

When it comes to keeping your stress under control check out these tips. Don’t stress about finding the perfect insurance.Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial insurance needs.

 

06 Jul 2017
distracted-driving

Avoid These Distractions While On The Road!

Stop with the distracted driving and put safety first with these tips.

It’s no surprise that distracted driving is on the rise. In an ever increasing age of technology, our mobile devices go everywhere with us, including the car. From texting, to eating, to daydreaming, there are lots of ways in which your focus is taken off the road. While it may not seem like a big deal, distracted driving is incredibly dangerous. Put safety first, and check out these tips to help you stay focused on the road.

Turn Your Phone Off.

It’s no secret that texting while driving is dangerous. However, talking on your phone, even while using a Bluetooth device can be just as distracting. Avoid the risk of cellphone-related disasters all together and turn off your cellphone. You can even stow it away in the glove box until you reach your destination. That way you won’t be tempted to reach for your phone while behind the wheel.

Come Prepared.

Inputting an address into your GPS or fiddling with your wallet to pay the toll, takes your focus off the road. Avoid such distractions and prepare ahead of time. Before you leave for a new destination, set up the GPS and have your money ready before you even start your engine. That way you can rest assured that your only concern on the road is driving safely.

Enlist the Help of You Passengers. 

Having other people in the car can be dangerous as a deep conversation can easily distract you from the road. However, traveling with passengers can have its advantages. Have your passengers help you turn on the radio, text, or look up directions so that you’re free to drive safely.

Use these tips to stay focused and avoid distracted driving. For added protection, invest in the right auto insurance policy. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial insurance needs.

29 Jun 2017
Drive Safely All Summer Long with These Driving Safety Tips

Drive Safely All Summer Long with These Driving Safety Tips

Check out these summer driving tips to help you stay safe on the roads.

When it comes to your safety on the road, it’s important that you have the tools that you need to protect yourself. While it’s important to follow the rules of the road, sometimes there are risks specific to certain seasons. Ensure that you stay safe on the road this season with these summer driving tips.

Be Wary of the Sun

With plenty of sun this summer, it’s important to use caution while driving. Glare can reduce your ability to see the road, increasing your risk of an accident. Ensure that you use your sunshield and wear your sunglasses all summer long.

Keep Your Tires in Great Shape

Your tires take a beating. It’s important to ensure that they’re in good condition year-round. However, it’s especially important during the summer when temperatures are warmer. The summer heat paired with old tires increases your risk of a blowout. Keep your tires well maintained so that you can prevent any serious damage.

Be Mindful of the Heat

Never leave pets or kids left in the car unattended, especially during the summer. Temperatures rise quickly in your car, even with the windows rolled down, and can be lethal. Avoid a bad situation and never leave anyone in the car unattended.

Look Out for Teens

During the summer, there are more teens on the road. Their driving inexperience makes them more dangerous road companions. Ensure that you’re prepared to drive defensively so that you can stay safe all summer long.

Check out these summer driving tips to ensure that you have the tools that you need to protect yourself from harm on the road. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

22 Jun 2017
Stay Healthy & Save on Life Insurance When You Avoid These Foods

Stay Healthy and Save on Your Life Insurance When You Avoid These Foods

Avoid eating these foods to keep your blood pressure under control so you can save on insurance.

When it comes to protecting your family, it’s important that you invest in the right security. Life insurance is a vital component in your financial planning. If something should happen to you, life insurance gives your loved ones the resources that they need to get back on their feet. However, your life insurance rates are determined based on your health. The healthier you are, the lower your rates. Help to keep your health in check, especially when it comes to your blood pressure, so that you can save on your insurance. Check out these foods to avoid so that you can keep your heart healthy and so that you can save on your life insurance coverage.

Foods to Eat in Moderation:

When you eat foods that are high in salt, sugar, and fat, you increase the risk of all sorts of diseases. Since your blood pressure is used as a measure of health when purchasing life insurance, ensure that you keep your blood pressure under control. The average blood pressure is 120/80. However, often your insurance carrier gives you a little wiggle room. Eat plenty of fruits and vegetables, and check out these foods to avoid to keep your heart and blood pressure healthy.  

  • Processed Food. Foods that come prepackaged require lots of sodium to help preserve the food. Eating such foods increases your sodium intake, which in turn can raise your blood pressure.
  • Fast Food. A trip to your local drive-through may be costing you money in the long run. Full of sodium and fat, fast foods are not great for your heart. In fact, they may increase your blood pressure.

 

Ensure that you help to protect your health so that you can save on your life insurance premiums. Invest in the right coverage so that you’re well protected. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

15 Jun 2017
Celebrate Father’s Day with These Ideas

Celebrate Father’s Day with These Ideas to Help You Shower Your Dad with Love and Appreciation

Check out these tips to help you celebrate Father’s Day.

Father’s Day is here and it’s time to celebrate your dad. Your dad has always been there for you. Show your dad how much you love and appreciate him for Father’s Day. Check out these celebration ideas to help you plan the perfect Father’s Day.

Explore the Great Outdoors

When it comes to celebrating Father’s Day, spend the day together exploring nature. Whether you go for a hike, spend the day kayaking, or take your mountain bikes out for a ride, there are lots of ways to spend time outdoors with your dad. It’s a great way to bond and make new memories.

Schedule a Spa Day

Your dad works hard. Treat your dad to a little rest and relaxation by sending him to a spa for a massage. It’s a great way to help him unwind and relax.

Have a Barbecue

Make celebrating Father’s Day easy by sharing a meal together in the comfort of your own home. Invite the whole family over for a backyard barbecue. Fire up the grill and whip up some of your dad’s favorites so that you can enjoy Father’s Day together as a family.

When it comes to celebrating your dad, ensure that you plan the perfect Father’s Day. Celebrate your father and give him the gift of peace of mind. Invest in the right insurance policies so that you can rest easy knowing that you’re safe and secure. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.