Free Apps That Will Save You Money

Working on your budget? Download these free apps to make saving easier.

Here’s a list of apps that will make saving money a snap.

  1. Hopper: This app helps you get low airfares by predicting when the prices will be high and low. It first predicts when the cheapest time to fly will be and then shows you the cheapest time to buy the ticket. It also alerts you when ticket prices drop.
  2. Raise: Bid your unused gift cards with this app. Card goes to the highest bidder.
  3. OneReceipt: This app helps keep track of your receipts all in one place so you don’t have to worry. It’s great for tax write-off time.
  4. Goodbudget: Create a budget and stick to it with this app. Save up for a trip or a new couch. This app will help you stay on track!
  5. BestParking: This app is a revolution. It will tell you the location and price of the best parking around.
  6. GasBuddy: Use this app to find the best gas prices in your area.
  7. WiFi Finder: Guess what this app does! It also helps you find locations where you can use wifi for free.
  8. Hotel Tonight: Find cheap deals on hotels for tonight with this app. Many of these rooms are very upscale and beautiful.
  9. Roomer: Find someone to take over your hotel reservation if you have to suddenly leave.
  10. Campus Special: Find deals on food and stores near your school when you’re a college student strapped for cash.
  11. RepairPal: Protect against getting overcharged for your car repair with this app that helps you estimate costs for your car damage.
  12. Apples2Oranges: Use this simple and effective app to price compare at the grocery store.
  13. Goldstar: This app helps you find half-price tickets to great shows all over the world.

If you want to save even more money, contact Stromsoe Insurance Agency. We can help you get the best California insurance coverage at the best price!

Surprising Ways You Might Be Insured

Did you know you could have insurance in these surprising areas?

Everyone knows the basics. We need health and car insurance. If you own a home, you need homeowners insurance too. You’ve put a lot of thought into buying coverage for your business. There are some pretty hefty consequences for not being properly insured.

But these policies are just the tip of the iceberg. There are many things you can get insured for your home and business, though they may surprise you. You may even already be insured and not know it!

Hurricane Insurance, Insurance

As you may know, hurricane insurance is already a supplemental policy. It’s not covered on regular homeowners insurance. Now, you can get Hurricane PM insurance, which covers costs that your hurricane insurance may not be big enough to cover. So it’s insurance for your insurance.

Ransom

If you are a high profile person, or just travel a lot, you may consider ransom insurance being added to your professional liability insurance. It can cover ransom money asked for by your kidnappers.

Rotten Veggies

If you own a business with perishable goods like flowers, food, tobacco, etc., you may want to get Spoilage Coverage. You can add it to your Commercial Property Insurance to replace spoiled goods if your fridge goes out due to a power outage or malfunction. Be careful, because you may have to prove that you didn’t neglect to take care of or replace the fridge.

Your homeowners insurance likely already offers about $500 of coverage for food spoiled in your fridge during an extended power outage!

Losing a Big Player

You own a business, and one of your employees is worth more than just what their job description entails. They are a key player and losing them could mean a severe loss of knowledge, expertise, and great support. You can have your business covered if that person should become ill or pass away to cover losses your business might incur because of their absence.

To learn more about the different ways your insurance policies are protecting you, contact Stromsoe Insurance Agency in California.

El Niño & Your California Flood Insurance Needs

Why El Niño makes flood insurance especially important for your home.

All of sudden, it’s fall in Southern California. While we enjoyed (or didn’t enjoy – depending on your weather preference) unseasonably warm weather into November, the weather’s taken a turn.

No, it’s not just the usual weather patterns. Actually, experts are saying El Niño could be to blame for the sudden cold. They’re also predicting this weather pattern will bring serious storms our way.

If you can remember back to 1997’s El Niño, it caused millions of dollars of damage and cost over a dozen lives. According to people in the know, today’s climate models look a whole lot like they did in ’97. In other words, we need to be prepared for a very wet winter here in Southern California.

One of the best ways to be prepared is to buy flood insurance.  Don’t assume your homeowners insurance will protect you because, quite frankly, it won’t. Standard home insurance policies don’t include coverage against flooding, so you need a separate policy to be protected against rising waters this winter.

Also, don’t assume you can just wait until a major storm is rolling in to buy coverage! Flood insurance policies require a 30-day waiting period before they can take effect, so you need to buy your coverage now to be prepared against the seasonal surprises El Niño is projected to bring to Southern California.

Would you like more information about how to pair flood insurance with your existing homeowners insurance or renter insurance policy to be fully protected this winter? To talk to an expert who will evaluate your specific insurance needs and help you get covered, contact Stromsoe Insurance Agency. We’re dedicated to helping California renters and homeowners have the insurance policies they need to matter what our seasons bring our way!

Does Your Home Insurance Include Additional Living Expenses?

You may need additional living expenses coverage in your home insurance policy.

If a natural disaster were to destroy your home structure, you may be forced to move out of your home until it’s repaired. When you cannot live in your home because of a loss covered by your home insurance policy, such as a hurricane or tornado, your insurer is able to reimburse you for certain expenses that you occur while you’re living away from home. This is called additional living expenses coverage.

What does this coverage include?
The additional living expenses coverage in your home insurance is designed to cover the costs associated with loss of use of your home, including those of a hotel room, restaurant meals, and transportation.

How am I reimbursed?
You must file a claim with your home insurance company as soon as possible. Generally, this coverage will pay for the gap between pre- and post- disaster housing and food. For example, if you usually spend $500 a month for food, but you now spend $750 because you have lost use of your kitchen and must eat out, your insurer will may pay for the $250 difference.

What is not included?
Items that are not considered additional living expenses are belongings such as toiletries, clothing, temporary repairs to your home, entertainment expenses (unfortunately, going to the movies because you’ve lost use of your TV doesn’t count!), and your normal mortgage bills.

Can I obtain coverage if my home was damaged by a flood?
The damages caused by floods are not covered at all in home insurance policies, and most separate flood insurance policies do not provide additional living expenses coverage. Talk to a trusted insurance agent for advice on obtaining coverage.

So that your additional living expenses are covered by your California home insurance in the event of a disaster, contact Stromsoe Insurance Agency.

Car Insurance Discounts For Senior Drivers

Senior drivers, you can save on your car insurance with these discounts!

Your parents might not have told you, but they paid a pretty penny for your car insurance when you were a teen. Because teen drivers are inexperienced, they’re riskier for insurers to cover. They pass that risk along to parents in the form of higher premiums.

It makes sense, then, that as you gain experience behind the wheel you would pay less for your coverage. We want to help you save as much as possible for all of your years on the road, so we’ve collected some of the best car insurance discounts for a senior driver.

  • Mature Driver: Ask your insurer at which age they shave a specific percentage off your premiums. Most providers have a certain age in mind, and once you hit it you automatically qualify for this discount.
  • Driving Course: If you take a safe driving course offered to senior drivers (the AARP offers them all over the country), you can shave down your premiums.
  • Low Mileage: If you’re not driving as much as you used to, you might be able to save. Some insurers will offer a significant discount if you drive fewer than a certain number of miles each month.
  • Membership: Are you a member of the AARP or another senior organization? If so, tell your insurance provider. Most of them offer certain discounts to people with these types of group memberships.

Want to save more on your California coverage? To talk to a car insurance agency that will work hard to dig out all of the discounts for which you apply, contact Stromsoe Insurance Agency. We know that every senior driver deserves to save big, and are here to help you do just that!

Your Teen Drivers Need Car Insurance (Even If They Don’t Have A Car)

How to get your teen drivers the car insurance they need.

In theory, your teen becoming a licensed driver takes a lot off your plate. You don’t have to drive to school in the mornings, you’re not responsible for shuttling your teen and his or her friends to after-school activities, and you free yourself from playing weekend chauffeur.

Unfortunately, though, when your teen starts being able to drive you do have or thing or two you need to worry about. For starters, you need to focus on making sure your family’s newest driver is safe behind the wheel.

Secondly, you need to consider your insurance coverage. That’s right, even if your teen doesn’t have his or her own car you still need to insure him or her. In the state of California, all drivers on the road are required to have liability insurance. That means that if you let your teen drive without having coverage for him or her, you’re letting your teen break the law.

Fortunately, insuring your new driver is easy! Just give your insurance agent a call, and he or she will be able to add your teen as an operator on your family’s existing coverage.

Let us forewarn you: when you add a teen, your rates will go up because teen drivers are statistically some of the riskiest people on the road. The good news is you can combat this by limiting how much your teen drives, getting a good student discount if he or she gets As and Bs, and waiting to buy him or her a car.

If you have questions about the California car insurance your growing number of drivers requires, don’t wait to contact Stromsoe Insurance Agency. We know that you already have enough to worry about with your new teen driver, and are here to making getting him or her covered easy! Protect your family, your vehicles, and your liability by calling us today.

The Importance Of Monitoring Tire Pressure

What You Need To Know About Tire Pressure

When you think of your car’s safety features, what comes to mind? The seatbelt? Antilock braking system? Side airbags? Your tires may not be your first thought, but they should be!

Your vehicle’s four tires are your only point of connection with the road. When they do not properly function, you are in serious danger of skidding off the road or into another vehicle. Without proper tire pressure, your vehicle could hydroplane during a rainstorm. Low pressure also makes it more difficult for your car to come to a quick stop and for your tire’s to grip the road. Obviously, this is something you want to avoid, but how do you avoid underinflated tires?

One of the best things you can do to ensure your tires keep your car safely on the road is pay attention to its tire pressure. Even if your vehicle has a tire pressure monitoring system, it will not alert you until your vehicle is 25 percent below the recommended psi! That is why it is important to not rely entirely on your car’s monitoring system.

What can you do? First, regularly check your tire pressure. It is a quick and easy thing to do and could save your life! Then, when you do fill up your tires, experts recommend setting them at three psi above what is recommended in your owner’s manual. This gives you more cushion (literally!), since tires deflate over time.

Caring for your tires can help you stay safe out on the road, but to be truly protected you need great auto insurance. To get the right California coverage, contact Stromsoe Insurance Agency today!

Workers’ Compensation Savings For Small Businesses

How To: Save On Your Workers’ Compensation

As a business owner, you know that workers’ compensation is important. Not only does it protect your workforce—ensuring they get the medical care and lost wages reimbursements they need to maintain their quality of life—but it is also crucial for your business. This coverage helps you take care of your team without compromising your bottom line.

That does not mean you want to pay a pricey premium, though. Here is a quick guide on how to save on your workers’ compensation.

  • Get Grouped: Group rates can help you get significant savings on your workers’ comp coverage. If your business is not large enough to qualify for this type of coverage on its own, consider joining a trade association with at least 300 members or asking a couple of other businesses with similar risks to join with you in securing coverage.
  • Support Safety: California requires you to have a written safety program. Why not show it to your insurer—along with documentation about your regular safety trainings—to let them know how much you prioritize safeguarding your staff. Informing your insurer that you are making strides towards minimizing workplace accidents can help you save.
  • Prepare Programs: Certain programs—like a substance-free workplace program or return-to-work program—can help your employees minimize injury times and injuries themselves. By implementing these types of programs to help your workforce stay safe on the jobsite and protect their health if an injury does occur, you can show your insurer you are actively reducing your risk and their costs, which should lower your premiums.

Want to talk to an insurance expert about how to keep your workers’ compensation as affordable as possible? Contact Stromsoe Insurance Agency today! As California business insurance experts, our dedicated team is standing ready to help you get the best workers’ comp at the best price.

Your Guide To Motorcycle Riding Gear

Motorcycle Riders: Read This Gear Guide

Your motorcycle is an amazing machine. It lets you navigate tight spaces and heavy traffic. It uses minimal gas. It lets you feel the fresh air and sunshine. For all of these reasons, though, your motorcycle is also compact and exposes you to the environment around you. To avoid a serious injury, you need to wear the right pieces to protect your body. Here is a quick guide to the motorcycle riding gear you need.

  • Helmet: It should come as no surprise that you need to protect your head when flying down the freeway. Helmets reduce your risk for head injury by nearly 70 percent, so they are crucial. Choose a full-face helmet that properly fits and has been approved by the Department of Transportation to best protect your important brain.
  • Jacket: Your jacket will not only protect your skin from serious road rash, it can also protect your internal organs! Look for a jacket that has CE rated body armor but still allows your full range of motion. You might want to choose one that has ventilation so you will not be tempted to skip it on sunny California days.
  • Gloves: When your bike gets away from you, your natural reaction is to put out your hand to steady yourself. Protect your hands against this possibility—plus the very present hazards of wind and water—by investing in good motorcycle gloves. The right ones should include water resistant material, armor that protects your knuckles and palms, and a retention strap to keep your glove on should you need it.

Another crucial part of protecting yourself while on your motorcycle is carrying the right motorcycle insurance. Are you protected out on the road? To learn about the California coverage you need, contact Stromsoe Insurance Agency today.

Could Mechanical Breakdown Insurance Protect You?

Protecting You On The Road, And By Its Side

Your auto insurance is here to protect you if your car gets stolen, you get into an accident, your car is vandalized, or another covered mishap happens. Yet, you still seem to be shelling out for your car every time you have to take it to the auto body shop. Sure, you accepted the new car warranty your dealership offered you when you purchased your vehicle. Inevitably, though, a short time after that warranty expires something goes wrong with your car. How do you avoid this expense?

Fortunately, there is a way you can protect your pocketbook against the hefty cost of a breakdown. Mechanical breakdown insurance will protect you in a way similar to an extended warranty, but with a few notable differences. First off, rather than having to pay a big lump sum at one time, you can space out the cost as you pay your monthly premiums. Secondly, mechanical breakdown insurance covers all of the parts and systems of your car instead of just the specifics listed in your warranty from your dealer. Finally, with this coverage you can get your car repaired whenever you like. Something sounds funny to you? Bring it in to the shop, without a worry about the cost.

Mechanical breakdown insurance ensures that you will be protected by your coverage not just while you are on the road, but also if you are pulled over on the side, broken down.

Your car is an important piece of maintaining your quality of life, as it allows you to get around when you need. To protect it with great auto insurance, including mechanical breakdown insurance, contact Stromsoe Insurance Agency in California. We are here to help you get the coverage you need to know that you will be protected no matter what lies on the road ahead.