Check Out These Ways That You Can Save on Household Expenses

Ways That You Can Save on Household ExpensesSave money on your household expenses with these tips!

Homeownership is expensive. From mortgage payments to insurance to utilities, there is a lot that goes into keeping your home up and running. In addition to the basics, you have extras such as cable television or gym memberships. However, if you’re trying to save, it’s important to make an effort to save on your household extras. Check out what you need to know about how you can save.

Eat Meals at Home.

Going out to eat all your meals can add up quickly. Instead of dining out, start cooking more meals at home. Head to the grocery store with a grocery list and a set budget so that you have better control of what you’re spending. You’ll save more money, and you’ll have the opportunity to eat healthier.

Get Rid of Cable.

In home entertainment has changed over the years. No longer are you confined to your television, but you can stream your favorite shows and movies through the internet. Rethink how you use your home entertainment. You may be able to nix your cable and stick with streaming to save a little extra money.

Clean House Yourself.

Home cleaning services are convenient. They help to ensure that your home stays clean and tidy. However, it’s often a job that you can do yourself. Make an investment in quality cleaning supplies and create a cleaning schedule. That way you can clean your home yourself and can save a little extra cash each month.

Discover how to save money on your household expenses. Save money on your homeowners insurance with a little help from your independent insurance agent. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs. Contact us for more information.

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.

When Should You Add Your Teen to Your Auto Insurance Policy?

Teen Auto Insurance

Watching your teenager walk out of the DMV with their license is a very exciting, yet scary moment as a parent. While they have reached a huge milestone in their life, getting their license also means that you cannot be with them at all times in the car. It will also mean much higher auto insurance premiums. Knowing when you have to add your teen driver to your car insurance policy can help to make sure that you are paying the right price.

Generally, you will not have to add your teen to your California auto insurance policy while they just have their permit since your existing coverage will be enough. Make sure to talk with your insurance agent before your teen gets behind the wheel to make sure that you have enough coverage.

Once your teen passes their drivers course and becomes a fully licensed driver, you will have to add them to your policy or get them their own policy. In most cases, adding them to your existing policy will be less expensive than putting them on their own policy. However, that does not mean that the coverage will be cheap. Adding a teen driver will significantly increase your auto insurance rates since teen drivers are considered some of the riskiest drivers on the road.

Luckily, there are some ways that you can save money when adding your teen to your policy. Ask your insurance agent if they offer a good student discount for teens who keep at least a “B” average in school. You may also qualify for a multi-vehicle discount if your teen has their own car.

When looking for the right teen auto insurance policy that will properly protect your family, contact the independent insurance experts at Panzera Insurance Agency.

Tips To Keep Your Teen Driver’s Auto Insurance Rates Low

Saving On Your Teen’s Auto Insurance

It is easy to feel proud of your teen when they get their driver’s license. It is also easy to be shocked when you get your first auto insurance bill after adding them to your policy. While there is no way to completely avoid the hike in your premiums, there are some steps that you can take to help you save as much money as possible. Keep these tips on how to save money on teen auto insurance policies to help keep some money in your wallet.

  • Shop around – do not just choose the first auto insurance company that you find. Instead, shop around and compare prices from at least three different insurance companies. Working with an independent insurance agent can help to make the process much easier and smoother.
  • Look for discounts – there are many discounts that are geared specifically to teen drivers. Ask your insurance agent for any discounts that can help you save money, such as a low annual mileage, taking a driver safety course, or having a good report card.
  • Choose the right car – the safer your teen’s car, the less likely that they will be injured if they are in a crash. Look for a car that has a high safety rating and that has the newest safety equipment to keep them safe while on the road.
  • Increase your deductible – the higher your deductible is, the less you will have to pay each month for coverage. Keep in mind that your deductible is what you have to pay out of your own pocket before your coverage kicks in, so choose a deductible that you can actually afford.

For all of your auto insurance needs when adding your teen to your car insurance policy, contact Panzera Insurance Agency. As an independent insurance company, we will help to ensure that you have the right amount of protection, all at the right price.

How Much Auto Liability Do You Need?

Auto Insurance Liability Limits

When looking for the right auto insurance policy, you should pay close attention to the liability limits that are provided by the policy. The liability portion of your auto insurance policy will provide coverage if you are found to be at fault for an accident, including the damages to someone else’s property or any injuries that you cause. Your liability coverage will also pay for a legal defense if you are sued after the accident.

While you are allowed to stick with the minimum required amount of liability coverage by law, it may not be the best idea. While choosing the minimum amount that is required can help you save money, it can also mean that you do not have enough protection in case of an accident. If you are sued after an accident, the minimum required amount can be easily exceeded, leaving you to pay hundreds or thousands of dollars out of your own pocket.

While there is no one rule to follow when deciding how much liability coverage to invest in, many insurance experts agree that you should go no lower than 250/500/100. This amount means $250,000.00 liability coverage for bodily injury per person, $500,000.00 liability coverage for bodily insurance per accident, and $100,000 liability coverage for property damage per accident. Talking with your insurance agent can help to give you a better idea of how much liability coverage you should invest in for your specific situation.

If you are looking for even more liability coverage, consider investing in a personal umbrella insurance policy, which will provide extra liability coverage that kicks in once the liability coverage of your auto insurance policy has been exceeded.

Contact the insurance professionals at Panzera Insurance Agency, Inc. for all of your car liability insurance coverage needs.