Fireplace

Protect Yourself this Holiday Season

The holiday season is a great time for caring, being with family, being appreciative, and giving. But it’s also a time for thieves to target you, accidents to happen, and for increased chances of fires. That’s why you need to protect your home, your belongings, and your car this holiday season. Here is our guide to making sure you have a safe holiday season.

Burglars

One of the major threats of the holiday season is from burglars. Your house is bound to be full of expensive gifts. There’s also the potential that your house may be empty as you visit family or take a vacation. Thieves may take advantage of this time of year to break into your home and rob you. So, it’s a good idea to make sure your home is secure when you leave. You should lock all doors and windows and close your curtains, so potential burglars cannot see inside. It’s also a good idea to arm your alarm systems, put your lights on timers, and let neighbors know you’re traveling. A good neighbor may pick up your mail for you and even shovel your driveway, so it looks like you’re at home.

Driving

With more people on the road and potential wintry weather, driving can be a dangerous business during the holiday season. It’s a good idea to make sure you drive safely and defensively. Leave plenty of space between you and the car in front of you. Slowdown in bad weather and put your lights on. Make sure your tires have good tread and your windshield wiper blades are in good shape.

Fire

The risk of fire is much higher during the holidays. More people cooking, more people using their fireplaces, more people lighting candles, cheap or old holiday decorations with lights: all of this puts your home at risk. So, make sure you’re taking care of your home. Throw away faulty lights, always be safe when cooking or using a fireplace. Keep your Christmas tree well-watered and away from your candles and fireplaces. Also, never leave candles unattended for any period of time or left lit overnight.

Protection

Another great way to protect yourself this holiday is with the right insurance plan from ABCO. A homeowner’s insurance plan can help you recover from burglaries and fire damage. And the right car insurance plan will help you recoup losses after an accident. Contact us today to make sure you’re protected this holiday season!

 

Cornucopia

Protect What You’re Thankful for and Appreciate More

Yesterday, most of us gathered around the dinner table and thought about what we’re thankful for. During this time of year, it’s a great thing to think about what you’ve accomplished, what you have, what you want to achieve, and what you’re hoping for. If you’re lucky enough to have been thankful for a wonderful home, a working car, and a family that loves you, that’s a great thing. If you’re hoping that next year (or some years down the line), you’ll be able to give thanks for one or all of those things, that’s great too. Sadly, worry creeps into the human mind far too easily and makes it hard to be grateful sometimes. One way to set aside some of that worry is with the right insurance.

How Insurance Helps

Worry is a common human emotion, but sometimes worry is unnecessary. When you take the right precautions and protect what you’re thankful for, you can set aside some of the doubt. For example, with the right home owner’s insurance, you can rest assured that your home is protected in the event of something unexpected. Maybe that unexpected issue is a strong wind taking shingles off your roof. Or maybe it’s fire damage from a candle left burning. Either way, the right insurance plan can help ease your mind and help you prepare for these incidents.

The same goes for your car. Your car is important to you. It makes sense that you would be thankful for your primary means of transportation. But it’s easy to worry about your car being hit or damaged. That worry can be set aside when your car is adequately insured. Your family is also going to be something you’ll worry about. A life insurance policy can help rest your mind about the possibility of your family having to provide in your absence.

The Right Plan

Insurance isn’t only about recouping finances after a disaster, accident, or act of nature. Insurance is about ease of mind. It helps you set aside the worry that makes life complicated. It’s there to help, not to hinder. Our team at ABCO understands that.

So, contact our team today to discuss the right plan for you!

A Roof Rake Can Help Prevent a Costly Homeowner's Insurance Claim

Prepare for Winter Now with These Tips

It’s definitely starting to get colder and that means that winter is quickly approaching. There is still some time before the long cold nights get really cold, though. While fall is sticking around, it’s a great time to start getting your home prepared for the mayhem that winter can bring. If you live in the Northeast, you’re likely used to harsh winters. That doesn’t mean you can predict everything that winter weather can throw at you though. Here are our tips for getting you home prepared for winter this year.

Trees and Branches

It’s always good to get ahead of bad weather. And winter can bring the worst weather there is. One great way to get ahead this year is to take a look around your property for branches and trees that may become problematic once ice and snow start falling. Trees are great at knocking out your power. And ice and snow are great at taking out trees. Sometimes, your power company may even take care of potential problem branches themselves. Either way, identify what needs to be taken down, and get rid of it.

Portable Generators

As trees come down and power lines fail, you’re left without electricity. Especially if you have electric heating in your home, this can be a major problem. If you don’t have a portable generator, now is a great time to look into buying one. Better to have it and not need it than need it and not have it.

Your Car

You’ll also want to make sure your car is ready for emergencies. You should always keep a shovel around your house for snow but having one in your car is a good idea too. You should also keep blankets and some kitty litter in your car. The blankets can help you keep warm in the event of a winter breakdown and the kitty litter is great for helping your tires find traction when stuck in the snow.

Insurance

The most important way to be prepared this winter is to make sure that both your home and your car are insured. The right insurance plan will make sure you have money for repairs, replacement, and possibly for a place to stay in the event of something major. So, make sure you have auto insurance and home owner’s insurance. If you don’t have a plan, ABCO Insurance Agency, Inc. can help. So, contact us today!

 

vandalism | insurance | NJ

Halloween and Mischief Night: Does Your Insurance Cover Vandalism

Halloween is a fun time of year. You have kids (and grown-ups) in costumes, candy and trick-or-treating, and all kinds of fall activities. But there is also the trickier side of trick-or-treating. Vandalism has been a part of Halloween for a very long time. People have been going door to door and looking for treats and threatening misfortune on specific days for hundreds of years. So, it’s not a new phenomenon to find people destroying property on Halloween or the day before Halloween, known as mischief night. But when vandalism becomes destructive, what are your options and are you insured?

Homeowner’s Insurance

Many insurers provide coverage for property destruction as a result of vandalism. This will vary and be dependent on the extent of the damage and your policy. But it is still a good idea to consider a homeowner’s insurance policy that includes vandalism coverage. Or it may be a good idea to ask your insurer if you’re covered.

When it comes to vandalism done to your home, there are harmless pranks that likely won’t need insurance coverage to mend. For example, toilet paper in the tree in your yard or eggs pelted at your front door may be easily remedied with a garden hose and a bit of careful toilet paper removal. But sometimes vandalism goes beyond harmless pranks and becomes destructive. You may find your lawn salted, destroyed, or dug up. You may find your door locks glued. People may do damage to your plumbing, leading to flooding. Windows and lights may be broken. Worst of all, a fire may be started, leading to damage to your home.

It’s a good idea to be prepared for such destructive behavior and have a comprehensive insurance plan that will help you recover and restore your home.

Vehicle Insurance

Your vehicle may also be damaged by vandals. Again, a few eggs on your windshield may be easily remedied, but more serious damage can be done to your car. Slashed tires and sugar in your gas tank can lead to some serious bills for repairs and replacements. Like your homeowner’s insurance, it’s good to know if your car insurance plan covers these potential situations.

ABCO

If you’re looking for a comprehensive insurance plan that will suit you, ABCO Insurance Agency Inc. can help. Contact us today to discuss your options!

insurance | cherry hill

Prepare for Hurricane Season with the Right Insurance Plan

Hurricane Florence has begun wreaking havoc in North Carolina. Over the next few days, the storm is expected to continue on its path, bringing heavy winds, heavy rains, and dangerous flooding. Although our area is not directly in the path of this hurricane, we will likely still feel its effects. But Florence is just the first major storm of this hurricane season to touch down on the east coast. There are likely to be more and that is just one of the many reasons you should be considering insurance if you don’t already have it.

Strong Winds

Hurricanes bring major destruction. Although our area is not always directly in the path of worst of these storms, that does not mean we go unscathed. Hurricanes bring strong winds that can wreak havoc on your home and possessions. Heavy winds bring down trees that can fall directly into your home. Heavy winds can tear shingles off of your roof. Heavy winds can send branches and debris through windows. Home owner’s insurance can cover many of these problems, which can wind up being very expensive.

Heavy Rains

Hurricanes also bring heavy rains. Heavy rains can cause water damage in a leaky roof, short circuit electronics, contribute to fallen trees, and cause mud slides. All of these have the potential to cause damage to your home or property. That can include your car. Not to mention that driving during wet weather can be risky in itself. Homeowner’s insurance and vehicle insurance will help protect you in the event of rain related damage.

Flooding

Rain can also cause major flooding. Flood insurance may seem like an unnecessary expense, but during a hurricane, or any period of heavy, sustained rain, flooding can wreak havoc on areas that have not been at risk of flooding before. And flooding can cause more damage that a wet basement. Mold and structural damage can come along with heavy flooding. Flood insurance is a great investment for anyone who may have to deal with this problematic weather from a hurricane.

ABCO

If you need insurance, ABCO Insurance Agency Inc. can help. We can help you find the right plan to protect you from all of the above issues. Hurricane recovery can be hard, but with the right insurance, you won’t have to worry. So, contact us today!

 

 

Car Insurance

Auto Insurance is More than a Legal Necessity

If you weren’t aware, car insurance is a necessity. You can get into legal trouble for not having auto insurance. That’s not the only reason to invest in car insurance, though. When you really think of it, it’s only one small reason you should have a good plan protecting your car.

The Road is Unpredictable

The road can be a crazy place. Thousands of people are on the road at the same time you are. Some of those people are very good drivers. Some of those people are very bad drivers. And there’s no way to control the actions of our fellows on the high way. If they behave badly behind the wheel, there’s little we can do to change that. This makes driving a varied experience every time we hit the road. It also makes it quite possible for someone to hit your car and cause some serious damage. Considering this, it makes sense to protect your vehicle as much as possible and ensure that you’ll have money to repair or replace your car.

Your Car is Expensive

Your car is an expensive piece of equipment. Most people go into considerable debt to afford a reliable and attractive car. With that much money moving at high speeds, you should want to be sure your car is protected. A vehicle is an investment and that means you should protect the time and money you’ve spent on your car. An insurance plan does just that.

Your Car is a Necessary Tool

Aside from the money you spend on your vehicle, it also serves a very necessary service. A car gets you from place to place. When you rely on your car to get you from point A to B, you really cannot afford to lose that mode of transportation. If you wind up in an accident or your car is damaged and unusable, you’ll have no way of getting places. An insurance plan makes sure that you can afford repairs and a rental car, or even a brand-new vehicle if necessary. This means you can get back on the road and get back to your life quickly.

If you’re looking for auto insurance, ABCO Insurance Agency can help. Contact our team today to discuss your options!

ABCO Insurance - Auto Insurance

How to Save Money on Teen Car Insurance Rates

Adding a teenage driver to your policy could cost more than many unsuspecting parents realize. In some states, a rate can increase as much as 227% after adding a teen to an existing policy. While the cost will be much larger than adding an adult due to the inexperience of teen drivers, there are some ways to cut down on some of the costs.

Discounts for Teen or First Time Drivers

  • Good Student. For students with a GPA of 3.0 or above, or rank in the top 20 percent of their class, they could save anywhere from 5 to 25% on their insurance, depending on the company.
  • Driving Training Program. There are options in driving school and defensive driving classes that can save your teen between 5 and 15 percent on their insurance rates. Some insurance companies feel the driver’s education courses are part of the licensing process, but most give a good discount for defensive driving.
  • Low Mileage. If your teen only drives to school and back, or only runs errands, they could save big. These discounts start at 10,000 miles, but those that drive 7,000 or 5,000 annually could have huge savings.
  • Special Programs. Some insurance companies have their own programs set up for discounts. If your teen completes one of these programs, they could get a chunk cut out of their policy. These discounts vary highly from company to company.
  • Family Plan. Adding your teen driver to your plan could save on their premium through a family plan.
  • Student Away. If your child will be attending college more than 100 miles away and won’t be taking a car, they can get a significant discount since they won’t be driving. The discount can range between 5 and 35% off.
  • Car Monitors. Pay as you drive programs could be the best bet for a responsible teen driver that doesn’t use the car much. It tracks miles driven, braking, speed, and time of day to give significantly discounted rates.

Getting their first license and car should be an exciting time for a teen. Contact an ABCO agent today to shop around the different insurance companies and find out what discounts can work in your teen’s favor today!

To Grab the Best Deal: For Auto Insurance, Always Shop Around

Vehicle Insurance Accident Damage Protection Concept

These days, the most common way to get car insurance is to use an easy and convenient method, such as a direct quote online, or with a price comparison tool. Rarely do people go through an agent anymore – this might be because, with all the tools available to consumers, it simply isn’t necessary any more.

That said, when shopping online for auto insurance, there are a few things you should keep in mind in order to get the best deal. The main point to remember, however, is to do your due diligence to get the best price.

Car Insurance: Reasons Why Shopping Around is the Best Plan

It Saves You Money

When insurance companies need to compete for your business, you save. When their prices are stacked up against each other, the best deal will shine like a newly polished gem. Companies will want to edge each other out to look the best for the customer – you!

Put simply, shopping around reinforces the competition in the market. It also reassures you that you’re getting the best deal, because you’ll be aware of price changes and competitor rates.

It Gives You an Understanding of the Insurance Marketplace

Even if you’re new to shopping for car insurance, the act of shopping around will quickly give you a quick course on the ins and outs of the process.

Among other things, you’ll learn about types of insurance, deductibles, premiums, pricing, policy options and limits. You’ll get comfortable with these terms and the lingo, so that the next time you shop, you’ll be even more savvy about scoring the best deal with the coverage you need.

It Lets You Move Through the Process at Your Own Pace

Shopping around for insurance online is perhaps the most low-stress way to find the best, most affordable coverage.

Firstly, no one is trying to sell you anything directly, which means you won’t face pressure and the stress of quick decision-making. Secondly, you get to go at your own pace. You can look through your policy options as carefully as you want, and even put the process on hold and come back to it later.

All of these things might mean you’ll make a wiser, more well-informed decision. Plus, if you do find that you need help, you can still call up an agent.

Tips for Shopping Around for Auto Insurance

Keep Your Personal Information Handy

You may know some information off the top of your head, such as the make and model of your vehicle, your address, date of birth or your Social Security number, but you will need additional information when shopping for car insurance that you will want to keep at hand.

Examples include your auto insurance history, the year of your vehicle, your license status, and the personal information of any other drivers you want to be included on the insurance policy. Keeping this information readily available will speed up the process, especially when you need to enter it into a price comparison tool.

Understand the Different Types of Coverage

If you don’t understand the type of auto insurance coverage you’re getting, you may be spending more money than necessary. Read up on the various types of coverage and decide which are essential and which are not.

Basic types of car insurance coverage include the following:

  • Comprehensive coverage: This type covers you in any situation unrelated to a traffic accident. Weather, natural disasters, vandalism and more all qualify.
  • Collision coverage: Get collision insurance in order to cover your own damages in a car accident.
  • Uninsured or underinsured motorist coverage: In an accident situation where the other driver doesn’t have adequate car insurance (or any motor insurance at all), this type of coverage protects you.
  • Personal injury protection (PIP): Regardless of who’s at fault in a traffic accident, PIP pays for lost wages, medical expenses, and other costs associated with the incident.

Don’t Settle

You should never settle for the first quote you get when it comes to car insurance. This is because the industry is competitive – providers don’t keep their prices at the same rate from year to year in order to stay relevant in the market.

This means you need to look around at different prices and quotes and compare and contrast what they offer. The best deal for you may require a bit of digging in order to find it.

Keep Credit in Check

When shopping around for insurance, don’t forget to look at your credit and check the state of your score. Make sure there are no errors in reporting, and give yourself plenty of time to get errors corrected in case you do find some – it can take as long as two months for these to be investigated and fixed.

Also – and this may be a no-brainer – it helps if your credit is at least in the “good” range. Anything less, and you will not get the best deal.

Use an Auto Insurance Price Comparison Tool

Shopping for insurance can be a lot easier if you use a comparison tool. These tools let you enter your basic information and then present a variety of auto insurance quotes from different companies, side-by-side. This lets you quickly see who’s offering the best prices without having to click through a maze of websites.

A comparison tool also lets you test how adding various policy options changes your quote. You can play with your options and the price to your heart’s content without having to commit to anything. This is incredibly useful for finding the best balance between price and options.

A great place to get quote comparisons and find the best deal for your insurance is at ABCO Insurance. With us, you get a comparison of 25 different insurance companies, so you’re sure to find the best quote that fits your needs at the right price. When it comes to car insurance, we give you options, not to mention the power of choice.