Sioux Falls Car Insurance

Sioux Falls Home Insurance

noreply@blogger.com (Sioux Falls Car Insurance) — Mon, 14 Feb 2011 20:11:00 +0000

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44 teens lost over 4 years in South Dakota

noreply@blogger.com (Sioux Falls Car Insurance) — Wed, 18 Aug 2010 20:36:00 +0000

Graduate to Safety

It may not surprise you to learn the most likely cause of death in today’s world for someone between the ages of 13 and 19 is a motor vehicle crash, according to the National Highway Traffic Safety Administration (NHTSA). It may surprise you that over the past four years, 44 South Dakota teenagers died in underage drinking and driving crashes, according to state statistics. Another 479 South Dakota teenagers suffered injuries over the last 4 years.

While teens drive fewer miles than other drivers, they’re involved in more crashes than any other age group. Why? Immaturity and a lack of driving experience are considered the main reasons.

What can be done? State laws that limit teenagers’ driving exposure are considered by many to be most effective – for example, nighttime curfews for beginning drivers and higher age requirements for initial licensing. In 24 U.S. states, graduated licensing systems are in place to provide beginning drivers with an opportunity to drive under conditions that minimize risk.
What can you do if your teen is graduating in 2011 and plans on attending the prom, homecoming, etc.? Here are some suggestions for those big events:
1. Get involved in the big event and the after party activities.
2. Have an open door policy when it comes to safe rides home. Realize your teen may not be drinking but there are friends who may be. Offer to be the ride your children may need any time.
3. Express your concerns with your children! Prom and graduations are big nights for most families. For some, they have very sad endings, so share with your child that there will be many big events in their lives!
4. Be informed about your child’s plans and whereabouts. Let them know you may be following up with other parents because you are concerned about their safety.
5. The first step in becoming an adult is making good decisions and taking responsibility for the choices made. Get your teen involved in the planning and decision making. Be clear and direct about drinking and driving: it kills and can be prevented. Have alternate plans and rides set up and ready for implementation.
The excitement of teenage years is enhanced by the freedom that accompanies a driver’s license. With that freedom comes increased risk. Open communication, clear expectations and involvement in their activities are the keys to a successful celebration!

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Are your records organized for an emergency?

noreply@blogger.com (Sioux Falls Car Insurance) — Wed, 18 Aug 2010 16:21:00 +0000

If you were incapacitated, or had a peril that destroyed your home and important paperwork would anyone or you be able to find your important records and take care of your family’s financial or business matters? Having important papers organized and accessible in advance can be very important in an emergency or crisis situation. Consider the following for organizing your important records.
Which papers? Regardless of who knows what, organized records are always a plus. The following items might be part of your “important documents” list:
• safety deposit box key
• life insurance policies
• deeds, contracts, leases, titles, mortgage(s), loan notes
• banking, savings, investment and retirement account(s) records
• will
• burial arrangements
• all other insurance policies (health, auto, home, etc.)
• birth certificates

Computer Documents and Passwords:
• Important financial sites to your family and business
• Names of any companies you may be investing in
• Internet sites you do business with
• Credit card accounts and web addresses
• Banking, savings, investment and retirement account(s) records online and the sites you use for your finances

Location: Options for storage might include a home safe, fire-security box or off-site location such as a safety deposit box. The storage container should be securable and fire resistant.

Who knows? Does someone in addition to your spouse know where these papers are kept? Consider making a list of such papers and records, and on the list state where these documents can be found. Then advise a trusted third party – an attorney, CPA, relative, or family friend – where this list is kept. The general idea is that someone not living in your residence knows about this list and how to access it. This decision requires a certain comfort level, and you alone are able to make that determination.Beyond however you decide to store your personal records, and whatever you decide to include, one fact is clear. If important legal, business and personal documents are organized and accessible, the handling of a crisis situation is made much easier.

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What is your objection to term life insurance?

noreply@blogger.com (Sioux Falls Car Insurance) — Wed, 18 Aug 2010 13:40:00 +0000

One objection to purchasing term life insurance is just that: when the term is over, the policy is finished. That’s it. No more coverage.

Many people I’ve talked with about term insurance worry they will outlive the policy period and ‘waste their money’ on something they didn’t need. It can be difficult to counter these arguments except by explaining how term insurance can be an affordable way to provide life insurance coverage for a specific time period.

Until now. Insurance companies are offering term policies that actually return the premiums you’ve paid after the level premium period ends. In other words, if you purchase a 20-year term policy and are still living when the 20 year level premium period ends, the premiums you paid will be returned to you, in many cases free of federal income tax.

Those returned premiums can have a number of uses. If you still need life insurance you could purchase another policy. You could also use the premiums that are returned to pay down your mortgage or even add to your retirement savings.

Life insurance can provide peace of mind that your loved ones’ financial burdens may be eased if you are no longer there. The benefit provided by life insurance can help keep dreams alive.

One objection to buying term life insurance has been addressed by a policy that may return the premiums you paid.

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Life insurance can make sense for your employees!

noreply@blogger.com (Sioux Falls Car Insurance) — Wed, 18 Aug 2010 13:38:00 +0000

One of the more important products a person can purchase is life insurance. The funds from a life insurance policy can help cover final expenses or help provide for the financial well being of a family after the loss of a loved one.

Unfortunately, a number of working age people seldom think of purchasing life insurance. They are either put off by the perceived cost of such a policy, or they feel it is something they have many years to worry about.

If you are a business owner, you understand how difficult it can be to attract and keep qualified employees. As an employer, you can purchase affordable group life insurance to cover your employees, providing a needed benefit that could very well separate you from other businesses in your area.

Potential employees may not be looking for specific benefits when applying for jobs, but group life coverage can be one that gets their attention. They may be surprised that life insurance is available through a small business. Such an offering may tip the balance in your favor as other businesses are competing for their skills.

Offering the additional benefit of life insurance coverage can not only help to meet your needs, but also those of your employees.

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Best Car Insurance? You - Focused On Driving!

noreply@blogger.com (Sioux Falls Car Insurance) — Tue, 10 Aug 2010 13:51:00 +0000

Distracted driving is extremely dangerous and can cause personal injury and property damage. Drivers who use hand-held devices are four times as likely to get into crashes serious enough to injure themselves.

Even with a hands-free device, multi-tasking while driving could have serious consequences.

You’ve seen it before; a vehicle near you is weaving in the traffic lane or traveling well below the speed limit. Chances are that driver is not focused on the road!

According to the U.S. Department of Transportation2, there are three main types of distractions:

·Visual – taking your eyes off the road

·Manual – taking your hands off the wheel

·Cognitive – taking your mind off what you are doing

Distracted driving isn’t just about phone calls or text messages. Many activities that take your attention away from traffic can lead to accidents. Examples of distracted driving include:

·Adjusting a navigation system

·Eating

·Grooming

·Reading

·Retrieving a dropped item

·Talking on the phone

·Texting

·Watching a video

Nearly half the U.S. states have restrictions against activities that cause distractions. Some states ban phone use in construction zones and school zones. Others place restrictions on novice drivers and operators of commercial vehicles, such as large trucks and school buses. Take the time to research the laws in your state and visit www.distraction.gov.

So, the next time you reach for the phone while driving, answer this question: Is this call important enough to risk hurting someone, or can it wait?

Sioux Falls Auto Insurance

How Much Homeowners Insurance Should You Buy?

noreply@blogger.com (Sioux Falls Car Insurance) — Mon, 26 Jul 2010 16:51:00 +0000

You need to consider two major factors:

* How much it would cost to replace your home if it were completely destroyed. You can get an estimate from a local builder or real estate agent to figure out this amount.

* How much it would cost to replace your belongings. Doing an inventory and totaling up the value of everything you own will help you determine this amount.

What Does Your Homeowners Policy Protect You Against?

Your homeowners insurance policy protects your home and your belongings against damage from:

* Wind and hail

* Explosions

* Fire and lightning

* Vandalism and theft

* Smoke and plumbing leaks

It also protects you if someone is injured on your property, and it pays for your living expenses if you need to live somewhere else while your home is being repaired.

How Can You Save On Your Homeowners Insurance?

There are several ways you can help reduce your premiums:

* Keep your credit record clean. People with poor credit pay more for their policy than those with good credit.

* Get discounts. You may qualify for discounts if you're a non-smoker or a senior citizen, or if you install smoke detectors, sprinkler systems, or deadbolts in your home. Ask your insurer about all the discounts you qualify for and include them in your policy.

* Set your deductible as high as you can afford. The higher your deductible, the lower your premium.

Cheap Car Insurance May Turn Out To Be Expensive

noreply@blogger.com (Sioux Falls Car Insurance) — Mon, 26 Jul 2010 16:32:00 +0000

Buying a Car Insurance policy, like most policies, is the kind of spending that people like to avoid, especially because of its recurring nature. Insurance is said to be an investment that repays itself incase of a mishap. In most cases, as it is observed, such accidents never happen. This leaves people with a feeling that their money is spent on an imaginary unpleasant incident that hardly ever, and in their own case, never, takes place.

However, accidents do take place. They may not affect everyone simultaneously but at one point of time or other someone could be seen in the middle of a severe adversity. This is precisely the premise which gave birth to the concept called "insurance". Maximum people will pool money for the loss that might happen to someone among themselves.

It is crucial to know that the low-priced options are not necessarily the best options. In the eventuality of a disagreeable contingency people may perhaps discover that the insurance policy that they bought for their car was not the right choice. "Cheap" could turn out to be expensive. It denies the policy holder the benefit Car Insurance is supposed to provide in case of an accident.