Happy Halloween!!! Tips to Stay Spooky & SAFE!

Halloween Candy 1

Today is Halloween!  We hope that everyone is having a fun day and that everyone will be safe tonight!  We hope that you will find this article helpful in keeping you and your family safe this Spooky Halloween Night!

Trick-or-Treating Safety

  • Remind children to walk only on the sidewalk and look both ways before crossing the street.
  • Instruct children to never enter someone’s home to receive candy unless you are with them.
  • Do not allow children under 12 years old to go trick-or-treating by themselves. Also, plan out a route with older children before they leave the house.
  • Remind children to never approach or get into a car with a stranger offering them candy.
  • Once your children get home, inspect their candy and throw away treats that are unwrapped, homemade or suspicious-looking.
  • Do not allow young children to eat hard candy, gum or items with small ingredients such as peanuts, since these treats are all choking hazards.

 pumpkins

Pumpkin Carving Tips

  • Only carve pumpkins on a flat surface with good lighting, such as a kitchen table.
  • Use a pumpkin-carving kit that includes tools appropriate for the task.
  • Young children should draw on the pumpkin with markers and parents should do the carving for them.
  • Place lit jack-o’-lanterns away from flammable objects such as sheets and curtains, and only use votive candles or battery-operated tea lights.
  • Never leave a lit jack-o’-lantern unattended, especially when children or pets are nearby.

 

Halloween giveaway

Head on over to our Facebook Page to win this adorable double wall tumbler full of candy! The contest ends at midnight!  http://www.facebook.com/assuresouth

And be sure to follow us on Twitter!  @AssureSouthInc

 

 

Advertisements

Comprehensive and Collision Automobile Coverage- What Does it All Mean?

dad and kid driving

The Basics

Collision and comprehensive coverages provide financial safety nets in the event that your vehicle is physically damaged and needs to be repaired or replaced. Though these coverages are generally not required by state laws, they are certainly attractive options to reduce your financial hardship during a loss.

Also, if you are financing a loan for an automobile, your lender will most likely require both collision and comprehensive coverage as part of your Automobile Insurance policy.

Collision Coverage:

Collision coverage pays for the cost to damage repairs, and will even replace your entire vehicle, if it is beyond repair when you are at fault. Typically, you will collect only the actual cash value of your car versus the replacement cost value. Gap insurance protects you in the event you owe more than your vehicle is worth.

Comprehensive Coverage:

Comprehensive coverage pays for damage to your vehicle that is caused by an unknown party (theft, vandalism) or “Act of God”—fire, natural disasters or hitting an animal on the road.

Top Ways to Save on Your Premium:

  • Consider raising your deductible
  • Keep up your good driving record
  • Drive less to qualify for a low-mileage discount
  • Drive a car with safety features such as anti-lock brakes, airbags, etc.
  • Install an anti-theft device
  • Ask about our multi-policy discounts

Understanding your coverage options will give you the power to make wise decisions when it comes to your Automobile Insurance policy. Contact AssureSouth at 864-582-5481 to learn more about collision and comprehensive coverage, and how we can insure you to protect against losses.

Prevent Dog Bites this Halloween with these Tips!

Tauntaun-Dog-Costume-main

You may be going around to neighbors’ and friends’ houses this Thursday evening for Halloween fun, but if you are around pets who do not know you, it is always best to be safe.  According to the Insurance Information Institute, dog bites accounted for $490 million in homeowners insurance liability claims paid out in 2012 in the United States.

Tips to Avoid Being Bitten

  • Never pet dogs without allowing them to smell you first.
  • Do not approach a dog that you do not know.
  • Do not turn your back to a dog and start to run away if you feel threatened, because their natural instinct is to chase and catch you.
  • Avoid disturbing a sleeping or eating dog, as it may bite out of fear.
  • Always leave dogs alone if they are playing with toys or caring for their young.

Tips for your own dog

Even if you think your dog is about as ferocious as Snoopy, it’s wise to minimize your risks.

  • Spay or neuter your dog to reduce its desire to roam and become aggressive with other dogs and humans.
  • Introduce your dog to various situations and people so that it will not be nervous in new social circumstances.
  • Accompany your dog to training courses to learn how to respect humans and the rules you establish in your home.
  • Teach your dog to act properly at all times. When the dog exhibits signs of aggression, even in a playful manner, put a stop to it. Your pet does not understand the difference between playtime and a real life attacking situation.
  • Provide your dog with regular veterinary care, vaccinations and licensing.
  • Do not bring your dog into social situations if you are unsure how it will react. This will reduce the chance that something could go wrong.

For more tips like these LIKE us on Facebook http://www.facebook.com/assuresouth and FOLLOW us on Twitter @AssureSouthInc

Preparing Your Vehicle For Cold Weather

hourly forecast cold

In case you haven’t noticed, the temperature has gotten a bit chilly over the last couple of days.  With winter approaching is your vehicle prepared for colder temperatures?  Here are some tips to help protect your car during the cold months.

Check your tire pressure

  • Properly inflated tires ensure the best possible connection between your vehicle and the road, especially in slick conditions.
  • Cold temperatures cause tire air pressure to drop since gases contract when they’re cold.

Check your four-wheel drive system for malfunctions

  •  Check that your system engages and disengages properly and does not make any unusual noises when you start it. Also, check the gear oil levels and transmission before temperatures get too cold.

Change the oil in your engine and check the viscosity grade

  •  Viscosity of oil – how thick it is – will change depending on its temperature. The colder oil is, the thicker it will become. Consequently, thick oil does not circulate through an engine as easily as thinner oil during start-up. To reduce the risk of problems with your engine oil, place thinner oil in your engine before the cold weather season.

Have belts and hoses inspected

Inspect wipers and refill wiper fluid

Check your car battery

  •  Extreme temperatures can cause your vehicle’s battery to operate at less than 50 percent. If your battery is over three years old, have it tested.

Check the antifreeze mixture

  •  The ideal mixture of antifreeze and water in your radiator is 50:50. If this ratio is off, your vehicle will not perform as well.

Place a roadside emergency supply kit in your car

road

Contact us today to learn more about all of our insurance solutions for your auto, home and life! 864-582-5481

Did you know that we are now on Twitter?  Follow us @AssureSouthInc

And LIKE us on Facebook!  http://www.facebook.com/assuresouth

Creating a Driving Contract with Your Teen

fb-post-distraction1

This week is National Teen Driver Safety Week.  Automobile crashes are the leading cause of death for American adolescents. So how can you keep your youthful driver safe as they take on this huge responsibility of driving?  Talk with your teen, set ground rules, and discuss the repercussions if your child breaks the rules, including losing driving privileges.

Driving is a serious responsibility and a major step towards adulthood.  One of the best resources I found this week is from Travelers – a Parent-Teen driving contract that makes clear what safe driving rules are and will reduce arguments when driving rules are enforced.

Follow this link to download the contract- https://www.travelers.com/personal-insurance/auto-insurance/teen-driver/Parent.aspx

Did you know that AssureSouth is now on twitter?  Follow us @AssureSouthInc and find more safe teen driving information by searching #ntdsw on Twitter.

 

Insuring Your Teen Driver- How to Keep Premiums as Low as Possible

teen driver

Curb the Cost of Insuring Your Teen Driver

If you’re the parent of a teenager who is getting ready to climb behind the steering wheel, insuring your new driver can be an expensive endeavor. This is because the risk of motor vehicle crashes is higher among 16- to 19-year-olds than among any other age group. We’ve gathered some helpful tips to help you keep your premiums as low as possible, and keep your teen safe and accident-free.

Top Ways to Save on Your Auto Premium:

  •  Consider raising your deductible
  •  Ask about a good student discount
  •  Have your teen keep up their good driving record
  •  Enroll your teen in driver’s education
  •  Ask about our multi-policy discounts

Minimize Distracted Driving

While you can’t do anything about your teen’s young driver status, there are many things you can do to help them keep their good driver standing. Teens can get distracted easily, which increases their risk. To minimize their potential for distractions:

  •  Do not allow them to drive with more than one other person in the car for their first year.
  •  Ban the use of electronics, such as talking or texting on a cell phone or listening to music while behind the wheel.

Not only is restricting phone use a good idea, it may be the law. The use of cell phones by young drivers is prohibited in 28 states and the District of Columbia. Also, in many states, the law designates the number of passengers young drivers are allowed to have in their vehicle at one time. Make sure you – and your teen driver – know the regulations in your state, county and city.

Set Your Expectation for Safety

The best way to keep your teen’s insurance premium stable is to ensure he or she maintains a clean driving record. To help reduce potential accidents:

  • Restrict your teen’s nighttime driving
  • Limit the number of passengers in the vehicle
  • Ban cell phone use while driving even if your state’s laws are more lenient
  • Establish driving-area limits
  • Set a curfew
  • Talk to your teenager about the dangers of drinking and driving
  • Insist on seat belt use for everyone in the vehicle
  • Ride with your son or daughter occasionally to make sure they are keeping up with the safety habits that they learned in driver’s education

For more information on how to keep your teen safe behind the wheel CONTACT US TODAY:  Tel: 864-582-5481 http://www.assuresouth.com

October is Breast Cancer Awareness Month

Breast-cancer-ribbon-white-3

Did you know that 1 in 8 women will be diagnosed with invasive breast cancer at some point in their lives?  We at AssureSouth would like to show our support to those affected by the disease and would like use the opportunity of Breast Cancer Awareness Month to encourage early screenings and to promote healthy lifestyles.

Medical experts attribute the development of breast cancer to a combination of both unknown and known factors including genetics, lifestyle choices and reproductive factors, which may include:

  • Older age
  • Menstruation at an early age
  • Family history
  • Having dense breast tissue
  • Never having given birth, or having first given birth at an older age
  • Having radiation therapy to the breast/chest
  • Drinking alcoholic beverages
  • Taking hormones

According to the American Cancer Society, There is no sure way to prevent breast cancer. But there are things all women can do that might reduce their risk and help increase the odds that if cancer does occur, it is found at an early, more treatable stage

At this time, the best advice about diet and activity to possibly reduce the risk of breast cancer is to:

  • Get regular physical activity.
  • Reduce your lifetime weight gain by eating fewer calories and getting regular exercise.
  • Avoid or limit your alcohol intake.

Did You Know?

The best way to find breast cancer early is by performing a breast self-exam each month. Early screening such as self exams and mammograms are crucial to surviving breast cancer.

breast cancer

To obtain more information about this topic, or to discuss your insurance needs contact us today!