Category Archives: News

Winter Scene

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  • Mini-Nav: At the very top of the site to the right of the “logo” are three links. One for the contact us page, one for directions to your store and the other to return people back to the home page. On mouseover, the red text will turn black. If the site is on the page already the text will remain black.To the right of that we will do a shot of your new location exterior. Shown is just a stand in. Clicking that will take the user to a special page that will be half about the move, etc. and half ad for whatever special you want to run.
  • Main Nav: Below the “minnav” is the main navigation area of the website. The five major sections (the ones we want people to focus on) are listed here; Hardwood Flooring, Ceramic Tile, Vinyl Flooring, Laminate, and Carpets & Rugs. These white buttons will change to a bright yellow link on mouseover. When one of these is the active page the button will remain yellow.
  • Business Card: The address and phone number are easily visible at the top of the page. The design directs the eye to the phone number at the right
  • Building Blocks Feature: The 8 blocks beneath the header are your photo feature and enticement to pick a product group. The block aren’t animated but the tiles will slowly change from picture to picture over time and some will be color blocks with faded text over them.
  • Advertisement Space: At the bottom, above a footer with copyright info, will be a space to run weekly specials (ads you do elsewhere or something you have us make). This is an inset rounded corner box that will draw the user’s eye to the final option on the home page. We can have this click to a more detailed sale page or just leave it static.
  • Store Hours: As before,

 

Insurance for your life, home, auto and future

Whether it’s your first car, second home or third child, we can recommend the coverage that best utilizes and protects your assets.

  • What events could jeopardize your family’s finances?
  • What could threaten your assets or your earning ability?
  • How have you prepared to handle those events if they should occur?

We can help you develop a personal insurance plan to protect the people you care about and give you peace of mind. Without a plan:

  • You may be over-insured in some areas and underinsured in others.
  • You may be unaware of the risks to which you are exposed
  • You may be insuring risks that are more emotional than financial in nature.

Our insurance professionals can help you:

  • Identify those events which pose a financial risk to you or your family
  • Determine which methods you are currently using to manage your risks
  • Identify gaps in your current insurance plan

Our goal is to provide you with adequate insurance at a competitive price.

Can I Afford My New Driver?

Young drivers are expensive to insure. Such drivers, particularly teenagers, frequently cause traffic accidents because of their lack of experience and the fact that, due to their youth, they tend to be distracted, risky drivers. If your household is about to add a new driver, make sure that he or she understands that, besides endangering themselves and others, poor driving habits can result in higher premiums or a canceled policy. Here are some methods to help minimize the cost of a new driver:

  • Have your child complete a driver training class. The class’ cost is easily offset by lower insurance premiums. You also gain a more competent young driver.
  • Ask your insurer if it gives discounts to students with good grades.
  • Urgeā€¦.URGE against texting and driving
  • Find a company that charges a rate according to the car your new driver usually drives instead of assigning him or her to the most expensive vehicle.
  • Try to discourage or delay your child’s driving to school. Insurers charge a lower premium for less frequent driving.
  • Build a long-term relationship with your insurer. Some companies reward longevity by forgiving a driver’s first accident or minor traffic violation.
  • Increase your physical damage deductibles or, for older vehicles, eliminate this coverage.
  • If your child owns a vehicle, he or she should have a separate policy. However, if you share the cost of the car and its insurance, it may make sense to also own or co-own the vehicle. Your ownership interest lets you take advantage of a multiple-car discount.
  • Think carefully about giving a young driver his or her own car. Coverage for young drivers who have full-time access to a vehicle is very expensive. Make sure you balance the considerations of convenience, cost and safety.

Don’t pursue lower premiums blindly. It’s important that your young driver is protected from the financial consequences of causing a serious accident. Further, you may need to protect yourself since you could also be sued for an accident caused by your son or daughter. You might consider getting higher limits of liability by purchasing an umbrella policy. Talk to an insurance professional about more strategies to keep your new driver affordable.