Breaking it down: Top 10 discounts explained
Maybe you're the type of person who likes to clip coupons, or perhaps you find yourself driving across town to save two cents on a gallon of gas. It's a good feeling to save a few bucks. Chances are you can save money on your home and auto insurance premium too.
While all insurance carriers may not offer these deals, you should ask your agent about these top ten insurance discounts:
Valued policyholder discount. You're rewarded for being a loyal customer. The longer you stay with your insurance carrier, the more you save, regardless of your claim history.
Smart home discount. Earn a premium discount if your home is equipped with internet-enabled self-monitoring systems that protect against fire, burglary, or moisture.
Hybrid vehicle discount. Earn this credit by owning or leasing a hybrid car.
Good student discount. Receive this discount if your policy covers a good student driver. The student must be age 16-24, go to school full time, and have a 3.0 grade point average or better.
Away at school discount. This discount is available if your full-time student is away at college and does not take a vehicle with them.
Accident prevention course discount. Provide savings to a driver 55 or older who completes a state-approved driver improvement course.
Claim free/violation free discount. Qualify for this discount if you've been accident-free for the past three years and have no moving violations.
Package discount. Sometimes referred to as "bundling," this discount automatically applies if you have both your vehicle(s) and home insured on one policy.
Umbrella coverage discount. Reduce your home premium when an umbrella policy is added to your coverage.
SECURA is among the carriers that provide these and other discounts to its' MILE-STONE Gold or Basic home and auto, or apartment and condo policyholders. If you've had your policy for several years, it's a good idea to check with your agent, who can update your policy, and help you discover if you qualify for these and other discounts that come with being a loyal and safety-conscious customer.
Delayed flights and lost luggage often headline the list of concerns for travelers, but they are minor inconveniences compared to severe illness, missing prescriptions, or serious injury away from home.
The time to prepare for sickness is before germs hit your team. Illnesses can happen anytime, but flu season generally peaks between December and February, although it can stretch from October through May. Consider how you canprevent an outbreak and how you can respond quickly to limit the impact and costs to your business.
When Jenny VanDeHei left for college to study business, she thought she had picked her last stone and fed her last calf. She loved the family farm she grew up on, but she saw her future as an accountant, in an office building in the city, far from the country fresh smell of cow manure.
When you’re born into a farm family, on the job training begins the moment you can walk. You learn quickly where it’s safe to play, not to startle the animals, and that there’s always a way you can help – no matter your age. Curt Weis, Manager – Farm and Agribusiness Training, can attest to this because he earned his keep by working on his family’s farm right up until he left for college.
Patti Lemke, Sr. Agribusiness Underwriter, spent her entire young life living and working on a farm. Her parents owned and operated a small farm in Eden, Wis. that milked 65 cows in a stanchion barn, and she worked on a large dairy farm that milked 700 head from the time she was 14 until she left for college.