How Can I Qualify for a Good Driver Discount?

We all love discounts because they mean we’re going to be saving some money. Do you know how you can get a discount on your car insurance?

Each auto insurance company has different definitions on what “good driver” actually means. Most, however, fall into two categories that are quite easy to understand. Some companies offer discounts for every year you avoid an at-fault accident or moving violation. Other companies gauge your good driving based on your driving record over a period of years. Many of those companies have a three-year window.

How You Can Qualify for a Good Driver Discount

When determining if you qualify for a good driver discount, keep in mind that each company has different requirements for determining what qualifies as a good driver. Generally, it means these things.

  • Having a clean driving record free of moving violations like speeding tickets, DUI/DWI, and reckless driving will certainly help your case for a good driver discount.
  • You’ve avoided at-fault accidents, showing your insurance company that you are a responsible driver and are able to hold your own on the road. This is a nice green light for your insurance company and can help you acquire this discount.
  • Being claims-free is a big bonus as well. The less hassle you cause your insurance company, the more inclined they’ll be to reward you a nice discount. If you keep driving claim-free for the time required by your insurance company, they’ll see this as a good sign and will be more likely to extend discounts to you.

As a good driver, you deserve to get a good driver discount and put some more money in your pocket! For all of your auto insurance needs in California, be sure to contact Stromsoe Insurance Agency. We are more than happy to help you get the coverage you deserve!

Manage the Cost of Your Small Business Insurance With These 3 Tips

When you own a small business you’re in charge of every single detail and there are constant demands that require your attention . . . and your checkbook.

Business insurance is likely one of the items on a list you have that keep sucking money out of your business and your pocket. You should look at it as an investment, though, because it’s a very important part of your business that you’ll most likely eventually need—even if you are the most careful of business owners. To save more money on your insurance costs, follow these tips which you may find to be very useful.

  1. Check Your Deductible

A deductible is the amount of money you have to pay out-of-pocket before your insurance carrier steps in to cover you. The higher your deductible, the lower your premium is bound to be. This is because you are assuming a greater financial responsibility and will be paying more in the event of a claim than your otherwise would.

  1. Bundle Up

Some business owners purchase multiple policies to cover a variety of potential risks. Bundling, or purchasing each policy from the same vendor, may be something of which you can take advantage. Your insurance company may reward you for your loyalty and offer a discount.

  1. Review Your Coverages

Make sure that you are paying for exactly what your business needs. If you don’t have vehicles for your business, then why are you paying for commercial auto insurance? If you don’t need it, let the policies go. You’d be surprised how much money you can save by only paying for what you need.

For help managing your business’ expenses, having the right team of insurance experts behind you can give you the peace of mind that you deserve. Contact the experts at Stromsoe Insurance Agency for all of your small business insurance coverage needs. We will work with you to ensure you have the right amount of protection, all at the right price to fit your budget.

National Barbecue Month Recipe: Simple BBQ Ribs

National Barbecue Month may be the best national month we have on record, and we don’t need to be told twice to go out and enjoy a delicious stack of ribs.

Country-style ribs that are cut from the loin are one of the most delicious things to which you’ll ever treat your taste buds. Need a recipe to prepare yours? These ribs are seasoned, boiled, then baked with your favorite barbeque sauce. If your mouth is watering right about now, get the ingredients and release your inner Bobby Flay!

Prep Time: 2 hours

Servings: 4 servings

Calories: 441 (per serving)

Ingredients

  • 1 cup barbeque sauce
  • 1 tablespoon garlic powder
  • 1 teaspoon ground black pepper
  • 2 tablespoons salt
  • 2 1/2 pounds country style pork ribs 

Directions

  1. Place ribs in a large pot with enough water to cover. Season with garlic powder, black pepper, and salt. Bring water to a boil and cook the ribs until tender.
  2. Preheat oven to 325 degrees F (165 degrees C).
  3. Remove ribs from pot, and place them in a 9×13 inch baking dish. Pour barbeque sauce over ribs. Cover dish with aluminum foil, and bake in the preheated oven for 1 to 1 1/2 hours, or until internal temperature of pork has reached 160 degrees F (70 degrees C).

We at Stromsoe Insurance Agency really want you to enjoy cooking these delicious ribs and hope they taste as good as your best expectation! National Barbecue Month lasts an entire 30 days, so be sure to use your BBQ sauce as often as you can and try many kinds of BBQ recipes to fill every delight your heart desires. And don’t forget that for all of your insurance needs throughout California, you can contact Stromsoe Insurance Agency

June is National Camping Month

Pack your bags and your tent and get ready to sleep outdoors. It’s National Camping Month!

The outdoors has always given us a sense of wonder. After all, humanity spent the first 150,000 years of our species’ existence outdoors (approximately 75 percent of all human existence). Now, we live indoors and have used our smarts to shelter ourselves from the environment. So much so that it seems that we have completely severed our connection to nature. But that doesn’t have to be the case, especially during National Camping Month this June!

Sleeping in a tent allows us to hear the wind blow, the roar of the river, or the crashing of the waves. It removes this mask which blinds us all and puts us back on a more equal footing with all the species with which we used to share the planet. Experiencing nature as it was intended may give us a bit more respect for the land and the critters, which will undoubtedly make the world a better place.

The light source at any gathering usually come from light bulbs or televisions or phones. When you go camping, leave your phone behind and let the only source of light be the blaze of a warm fire. Share stories, cries, and laughs all in the same night. When you don’t have the distractions of a screen in front of your face, it’s amazing what is said around these campfires!

If camping has never been your thing, however, be sure to take advantage of this time to get to know the planet you are living on because it’s the only one we have.

A camping trip isn’t without its own set of risks, and to easily take care of the consequences that are tied with these risks you need a proper RV, Boat, Jet Ski or ATV insurance plan. To learn more about the different ways your insurance policies can protect you this summer, contact Stromsoe Insurance Agency in California.