Archive

Archive for October, 2015

Halloween Safety

October 29, 2015 Leave a comment

Halloween Safety

We all enjoy seeing little ghosts & goblins going from house to house looking for Halloween treats, but there are some things to keep in mind to make the holiday safe. Today we shared this article from the CDC on being safe at Halloween.

Matt also found this video on YouTube of a Halloween safety film from 1977, check it out as many of the items discussed are relevant today!

In need of a “hometown” insurance agent and live in Michigan? Give us a call at 800-968-1497 today!

Categories: Uncategorized

A New Car

October 22, 2015 Leave a comment

A New Car

This week Matt talked about some things to consider when purchasing another vehicle. Here’s a recap:

Financing – Of course it’s better to pay cash and avoid interest payments, but if you can’t – take a look at the fine print when it comes to financing options. The average American will own a vehicle for about 52 months (a little less than 5 years) and yet a lot of auto financing commercials offer a low monthly payment for up to 84 months!

Leasing – This may be an option for getting another vehicle but be aware of the lease contract. There may be low rates on the front end, but what about at the back end when it comes time to turn the vehicle back in? What is the cost for going over in mileage? What about wear-and-tear? These things may come back to bite you if you aren’t aware of them up front.

Loan/Lease Gap Coverage & Credit Life – for new cars we recommend getting the Loan/Lease Gap coverage from your auto insurance carrier, this way when your vehicle’s value is more than what is owed you can cancel the coverage. Purchasing the Loan/Lease Gap coverage from the loan company, you’re stuck with the coverage until the loan is paid off. We would also recommend looking into getting a Term Life policy instead of Credit Life because Credit Life is tied to one asset (either a car, home, or credit card) and is considered “decreasing term” meaning the coverage goes down as the payments remain the same. Purchasing a Term Life policy, your beneficiaries can use the money to pay off the loan balance and still have money left over.

Insurance – Talk to your hometown insurance agent as you are considering vehicles to find out the insurance ramifications. Many insureds fail to do this and are shocked when they see the premiums for their newly-purchased vehicle. Having the Vehicle Identification Number will help the agent to give you an accurate premium figure.

Discounts – You should be sitting down with your hometown insurance agent at least once a year to go over your insurance policies and determine what discounts you qualify for. Oftentimes you may qualify for discounts due to a major life change such as retirement.

If you’re in need of a hometown insurance agent & live in Michigan, give us a call at (616) 396-1497 for a quote today!

Categories: Uncategorized

Fire Prevention

October 8, 2015 Leave a comment

Fire Prevention

This week Matt spoke about the week of October 4th-10th being designated as national “Fire Prevention Week”. October 4th-10th has been chosen in remembrance of The Great Chicago Fire that occurred from October 8th-10th, 1871. Today’s podcast shared some safety tips from the National Fire Prevention Association’s website. There are many great articles on how to keep you and yours safe when fire does occur.

Live in Michigan? In need of a hometown insurance agent? Then give Marsilje & Vander Plow a call today! 616-396-1497

Categories: Uncategorized

Hunting Safety

October 1, 2015 Leave a comment

Hunting Safety

Deer hunting season is here, today we shared some important tips to keep you safe when you head out. We talked about this article from Ezine Articles and this one from DeerHunterTips.

Be safe, if you live in Michigan and you’re in need of a hometown insurance agent – give us a call at 616-396-1497 or visit http://www.mvpinsure.us!

Categories: Uncategorized