Thursday, June 28, 2012

Distracted Driving Not To Be Taken Lightly

Recently, the U.S. Transportation Secretary applauded West Virginia for enacting a new law that prohibits text messaging and hand-held cell phone usage while driving. West Virginia becomes the 36th state to prohibit texting behind the wheel and the 10th state to outlaw hand-held cell phone use by all drivers. The new law takes effect on July 1st and violators will be fined $100 for the first offense, $200 for the second offense and $300 for the third offense. Three points will also be assessed against driver’s licenses on third and subsequent violations.
According to the National Highway Traffic Safety Administration, distracted driving is any activity that could divert a person’s attention away from the primary task of driving and all distractions endanger driver, passenger, and bystander safety. The NHTSA lists the following as types of distractions:
And, according to the NHTSA, because text messaging requires visual, manual, and cognitive attention from the driver, it is by far the most alarming distraction.
In November 2010, the Department of Transportation launched “Faces of Distracted Driving,” a video series featuring people from across the country that have been injured or lost loved ones in distracted driving crashes. To watch videos from the “Faces of Distracted Driving” series, and to learn more about the Department’s campaign against distracted driving, visit the Distraction site.
So, make sure you are not distracted while driving; it could save your life and others.

Wednesday, June 27, 2012

Outrageous VIP ticket offer- Rascal Flatts

Farmers Insurance is sponsoring the 2012 Rascal Flatts tour called “Changed Tour” after their upcoming new album that is being released April 3rd 2012. Farmers Insurance Group is the corporate sponsor of the tour and they are offering a outrageous VIP ticket offer. In this VIP Package each winner is to receive two tickets to a show of their choice and an exclusive backstage experience. This backstage experience will be complete with a VIP dressing room tour, a catered meal, swag bag (official merchandise) and the opportunity to meet the band! It is important to note that these tickets are not available for purchase, and are exclusive to thispromotion only. If you want in on this promotion click this link to the registration page

What New Parents Need To Know


As a new parent you have plenty on your mind: late-night feedings, new-found financial responsibilities, childcare, the list goes on…One of the most important things to consider during this exciting time is life insurance coverage. Even if you currently have life insurance, assessing your needs is a must.

How much life insurance coverage do you currently have?

Employer-Provided Life InsuranceIntelliQuote Life Insurance for New Parents

Like many Americans, you probably depend on group life insurance through your employer to protect your family. Unfortunately employer-provided life insurance generally only covers a small fraction of the financial support your family would need if you were no longer able to provide. If you currently have life insurance coverage at work, your first step as a new parent is to find out just how much protection your group policy provides. Even if you’ve checked in the past, it’s a good idea to reevaluate. What may have seemed like a lot of coverage just a few years ago may no longer be enough.

Private Life Insurance Coverage

If you currently have a private life insurance policy, be sure to reevaluate that coverage as well. Will it adequately provide for your spouse and your child? Once you’ve assessed your current life insurance coverage it’s time to determine if you need an additional policy. Though it might seem like a task you simply don’t have time to complete, shopping for and even starting the purchasing process for life insurance coverage online can be fast and easy. At IntelliQuote we offer instant online quote comparisons, enabling you to shop and compare when time allows. No more excuses, next time the little one goes down for a nap, take the opportunity to request a quote.

Assessing Your Needs

Now that you know how much life insurance coverage you have, it’s time to determine how much you need. If you were to pass away what would your spouse and your new baby need to survive financially? Your life insurance coverage should compensate for: replacement of income, remaining mortgage debt, outstanding car loans, credit card balances, your child’s college tuition and your spouse’s retirement. If your life insurance coverage is coming up short, now’s the time to purchase additional coverage.

Update Your Will

Though there are many measures you can take as a new parent to protect your little one’s financial future, updating your will should be a top priority. Be sure your wishes are clearly defined and your child is protected. If something should ever happen to you, there is no recourse if your will is out-dated. So take the time, update your will and protect what matters most!

5 Life Insurance Myths

When people talk about life insurance, it seems to cause a great deal of apprehension and confusion. Unfortunately, the common myths surrounding coverage result in too many people waiting too long to buy or not buying at all. Clearing up these myths may help you get the right coverage at the right price and at the right time in your life.
Myth #1: There’s no reason to buy life insurance when you’re young.
Many people believe they should wait until they have large debts to cover or dependents to provide for before purchasing a life insurance policy. The truth is there are many reasons to acquire life insurance at a young age. If you provide financial support for aging parents or siblings, you may want to consider it. It may also be appropriate if you have substantial debt you wouldn’t want to pass on to surviving family members if you were to die prematurely. Other types of insurance are a must, even for single people. If you borrow money to buy your car, the lender will require you to purchase at least some insurance to protect your investment, and if you buy life insurance when you are young, it will mean lower premiums.
Myth #2: No-medical exam life insurance is the best choice.
While it may be a good choice for some, those who are in good health would do well to consider a traditional policy. The health exam might take a little more time, but taking that time can mean qualifying for much lower rates. Traditionally underwritten policies also offer more options in terms of policy length and coverage amounts, letting the buyer choose what they really need.
Myth #3: Buyers need to choose between term and permanent insurance.
These are the two main types of life insurance, and choosing between them can be difficult. Term life insurance, the most affordable type of insurance when initially purchased, is designed to meet temporary needs. It provides protection for a specific period of time (the “term”) and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
Permanent life insurance, by contrast, provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid at your death. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.
It’s impossible to say which type of life insurance is better because the kind of coverage that’s right for you depends on your unique circumstances and financial goals. Often, a combination of term and permanent insurance is the right solution.
Myth #4: Life insurance is expensive.
There are so many options for life insurance today that it can be affordable for just about anyone. The key is to shop around and to obtain life insurance as soon as possible—the older you are, the higher the premium is likely to be. Term life insurance policies are surprisingly affordable, and provide the coverage when it is most needed.
Myth #5. Life insurance isn’t available to senior citizens.
Many companies provide life insurance to seniors. Seniors who lose work-related coverage as they retire may be at a loss to provide for final expenses, but they can get coverage at affordable rates, and those who are continuing to work may still need life insurance to cover lost earnings when they die.
There are 95 million Americans that have no life insurance, many because they don’t understand the need or are confused about their ability to qualify. The truth behind the life insurance myths is that most people do need life insurance, and it is easier and more affordable to obtain than most people think. Don’t procrastinate. Do the research and make the decision to buy your life insurance today.

What kind of insurance do I have for my windshield?

What kind of insurance do I have for my windshield?

Farmers Insurance offers a great coverage called, "Glass Deductible Buy-Back".  If you choose to carry "Glass Deductible Buy-Back" on your Ohio Auto Insurance Policy you will get a few nice benefits.

Glass Buyback means that any covered glass claim replacement needed on your Farmers Insurance policy will have a reduced deductible of $100.  If you don't have Glass Deductible Buy-Back, then your comprehensive deductible would apply.
Chip repairs are done at no cost to you, the insured!

Give us a call today or look us up on Facebook and find out what other cool things we can offer on your auto insurance policy.

Joel McKinnon- Farmers Insurance
875 Blake Ave SW
New Philadelphia, Ohio 44663