Eliminate These Home Expenses to Save Money

Eliminate These Home Expenses to Save MoneyLearn how to save money by eliminating these household expenses.

The cost of living is expensive. Between housing payments, utilities, and bills, your income is already spread pretty thin. However, with a few adjustments you can start saving in no time. Check out how to eliminate these costly household expenses so that you can save money.

Eliminate: Take Out Food

Alternative: Learn to cook. When it comes to your eating habits, some are more expensive than others. Dining out can add up quickly. Rather than grabbing a quick meal at a restaurant, cook at home. You’ll save more at the grocery store so that you have more money to add to your savings.

Eliminate: Cable Television.

Alternative: Netflix. Even with hundreds of channels, it’s hard to find something to watch. Don’t throw money down the drain when it comes to your cable bill. Rather, ditch the television altogether. Instead, stream your favorite shows on your computer. Streaming services like Netflix and Hulu are infinitely cheaper than cable, and you can stream a show whenever you want so that your shows fit into your busy schedule.

Eliminate: Gym Membership.

Alternative: Local track. By all means, you should make your health a priority. However, that’s not to say that you should throw away money on a gym membership. Rather, all you need to get in shape is a good pair of running shoes. Take a walk around your neighborhood or head over to your local track to run a few miles. That way, you can get in your exercise without having to break the bank.

Reduce your home expenditures so that you have more savings. For additional savings, consult with your insurance agency to get the best deals on your homeowners insurance. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs. Contact us for more information.

Find Out How to Deal With a Popped Tire While Out on the Road

How to Deal With a Popped Tire While Out on the RoadLearn how to deal with a popped tire while you’re out and about.

Driving is a dangerous business. You’re at constant risk of an accident. Should your tire pop while you’re on the road, it’s important to know exactly what to do. Read up on this guide to roadside preparedness so that you’re best able to handle a popped tire. Check out what you need to know.

Maintain Composure.

It’s easy to panic when your tire pops on the road. There’s a sudden loud noise followed by a sudden jerk of your vehicle in the direction of the busted tire. However, in order to take action and safely get off the road, you need to remain calm. Do your best to relax so that you can get to safety.

Hesitate Before You Brake.  

When you have a popped tire, braking will only make the situation worse. It can cause the car to spin out or roll, making your situation even more dangerous than it already is. Rather than braking, keep your foot on the gas pedal until your car has stabilized. Then you can gradually ease up off the gas until your car slows down.

Pull Over & Call for Help.  

When you regain control of the car, do your best to pull over as soon as possible. Turn on your hazard lights, and ensure that you’re visible and wary of oncoming traffic. Change your tire yourself, but ensure that you have another person around to spot you. If you’re by yourself, call for roadside assistance.

Get the right auto insurance coverage so that you can keep your car safe on the road. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs. Contact us for more information.

Protect Your Home From Water Damage with Flood Insurance & These Tips

Flood Insurance & Tips to Prevent Water DamageGet flood insurance to protect your home from water damage.

Water damage can be detrimental to your home. Not only can it create structural damage, but it can also lead to hazardous mold growth. Unfortunately, your homeowners insurance doesn’t cover water damage. Instead, you need flood insurance. That way you can rest easy knowing that any water damage in your home is covered. Sometimes water damage develops over time. Learn how to check for warning signs of water damage with these tips.

Bows & Dips.

Look for any bows or dips in your roof. Water is a powerful substance that can change the shape of your roof. Have your roof and attic inspected every six months or so to look for any signs of water damage. Additionally, look for any damaged shingles and damp ceilings. The sooner you find a leak, the easier it will be to repair.

Wood Rot.

The exterior of your home is exposed to all the elements, including rain. Over time, the water can seep into the wood on your home causing water damage. Look out for any cracked or peeling paint, and any soft, pliable wood. It’s a sign that moisture has gotten into the wood, and it’s slowly rotting.

Keep an Eye on Your Water Bill.

It can be hard to detect a pipe leak without tearing up the drywall to check. However, if left unattended to, your leaky pipe could turn into something much worse. Protect your home from water damage, and watch your water bill. If all of the sudden your bill is extra high, it could be an indication of a leak. Talk to your plumber to have it fixed before it gets out of hand.

Avoid costly water damage with proper maintenance and flood insurance. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs, so contact us for more information.

Check Out What You Need to Know About Tax Deductions for Your Small Business

What to Know About Tax Deductions for Your Small BusinessLearn what hidden tax deductions that your small business may qualify for.

April has long gone, meaning you’re free from all the stress of tax season. However, it’s important to be mindful of your taxes year-round. Organization is key. The more you focus on organizing your materials now, the easier it will be to file your taxes by the time April comes around. As a small business owner, it’s even more important to be wary of your taxes, especially when it comes to deductions. Always consult with a licensed professional when doing your taxes, but check out these ways that you might be able to claim a few tax deductions for your small business.

Travel.

Sometimes you need to travel for business. Whether you drive around the city or have to fly across the country, your travel expenses are tax-deductible. From meals to hotel rooms to plane tickets, there are lots of items from your business travels that can help to save you money. Additionally, if you’re driving your own car, keep track of the mileage and any parking fees. No matter what kind of travel you do for business, remember to keep your receipts organized.

Business Fees.

As a small business, you’re eligible to claim certain business expenses as deductions. From legal fees to new materials and resources, your business is sure to incur a few additional expenses. Fortunately, most of these are tax-deductible. Whenever you meet with a professional or buy new materials, save the receipt. That way you can claim them on your taxes.

Health Care.

If your small business provides health insurance to your employees, the expense is often tax-deductible. While the actual amount and how to go about claiming the deductible will differ, health care costs for small businesses get a bit of a tax break.

Find out how your small business can rack up tax deductions. Get the right commercial insurance to protect your business. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs, so contact us for more information.

Know How A Traffic Ticket Affects Your Auto Insurance Premium

How A Traffic Ticket Affects Your Auto Insurance PremiumLearn how a ticket affects your auto insurance rates.

It’s human to err. From a speeding ticket to a parking ticket, every so often we slip, and let our perfect driving fall to the wayside. However, a traffic ticket can wind up being a bigger mistake than you think. Even a tiny infraction can increase your auto insurance premium significantly. Certain infractions are costlier than others, find out how a driving ticket can affect your insurance rates.

Minor Infractions.

Any traffic ticket will affect your auto insurance. However, some traffic tickets aren’t as bad as others. For smaller issues like forgetting to wear your seatbelt or a broken taillight, your ticket won’t significantly increase your premiums, but they will go up a bit. On average, a premium can increase by five percent for not wearing a seatbelt.

Moderate Violations.

As the offense becomes more serious, your premium increases. Tickets given for reckless driving carry a bit more weight when it comes to increasing your insurance. Things like speeding, are not taken lightly because it significantly increases your risk of getting into an accident. Depending on how fast you were going, a speeding ticket can increase your premium by almost 30 percent.

Serious Offenses.

When it comes to driving, nothing is taken more seriously than driving while under the influence. Alcohol and driving don’t mix. In fact, doing so can be deadly not only to yourself, but to innocent drivers on the road as well. A ticket for a DUI is just as serious when it comes to your auto insurance. After receiving such a ticket, expect to see a hefty increase in your premiums. On average, your policy can go up by as much as 334 percent.

Avoid traffic tickets, and drive safely. Abide by all the traffic laws, and invest in the right auto insurance. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs, so contact us for more information.

Learn Why You’re Insuring Your Home for More Than It’s Worth

Why You're Insuring Your Home for More Than It's WorthFind out why your home is insured for more than it is worth.

Home insurance is a necessary safeguard to protect your property from damage and destruction. However, such protection doesn’t always come cheap. Sometimes the coverage you’re getting is worth more than the market value of your home. This is because there’s a difference between the value of the home and how much it costs to rebuild your home.  Learn why you home is insured for more than the market value of your home.

Market Value vs. Rebuilding Costs.

There are different values associated with your home’s worth. When selling a home, a house’s value is determined by factors such as appraisals and home values around the neighborhood. However, a home’s rebuilding costs are based on how much it would cost to rebuild a home from the ground up. In most cases, the values don’t match up, which means that you need to pay extra attention when getting adequate coverage for your home.

Reconstruction Costs to Consider.

If you ever needed to rebuild your home, there are lots of factors to consider. You would need to think about the square footage, the type of materials used in your home, what special features are in the home, and how much construction costs are in your neighborhood. Take into consideration everything that you’d need to rebuild your home.

Homeowners Insurance Coverage.

When it comes to your coverage, know that you’re covered with enough insurance. Update your policy annually and verify that you have enough to rebuild your home.

Know that your home is protected and choose a home insurance policy that gives you enough coverage to rebuild your home. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs, so contact us for more information.

Check Out How Your Auto Insurance Quote Is Determined

How Your Auto Insurance Quote Is Determined

Learn all about your auto insurance quote!

Auto insurance helps to ensure that you’re covered in the event of an accident. However, with so many types of policies and variations in coverage, it can be difficult to pick a policy. Be sure to shop around before you commit to a policy. Compare at least three policies. Look at their coverage specifics as well as the price. To check the price, be sure to request a quote. But, what factors determine your auto insurance quote? Check out this guide to interpreting your insurance quote.

  • Personal Information. Elements of your personal identity like your neighborhood or your gender can affect your auto insurance quote. The safety of your neighborhood can determine how much of a risk the environment poses to your car. If there’s a greater risk to your car, then you can expect to see higher rates. Additionally, men tend to engage in riskier behaviors which increase the likelihood of an accident. Thus, men are quoted higher rates than women.
  • Time Spent On The Road. Mileage plays a role in your auto insurance rates. If you spend more time on the road, you have a greater likelihood of eventually getting into an accident. Depending on your mileage, you may have greater insurance rates.
  • Driving Record. From speeding tickets to previous accidents, your past driving experiences play a big role in your auto insurance rates. If you’re a relatively safe driver, expect to see lower rates. However, if your record is a little less than perfect you may see an increase in your rates.

Be sure that you find the right auto insurance policy for your needs. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs, so contact us for more information.