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Alternative Heating Sources Guide

Consumers will likely turn to alternative heating sources again this winter to heat their homes. Renewed interest in wood pellet stoves, space heaters, fireplaces and other devices can be expected as temperatures drop. With that in mind, the Institute for Business & Home Safety offers the following safety information.

 

Tips to help keep your holiday season safe

 

What’s on your “give” list this year? Want to provide something different? Share Travelers’ holiday safety tips with customers, friends and family to spread the gift of preparedness.

 

It is a busy time of year full of shopping, home-cooked meals and traveling to visit loved ones. We’ve taken a deep look into what helps make all of the season’s festivities run smoothly so you can enjoy these wonderful moments. Get prepared by visiting our Safe For the Holidays page.

 

We want you to enjoy a holiday season that’s full of joy and comfort while you’re at home, work or on the road.

 

Happy Holidays!

Please join Fair & Yeager Insurance Agency in supporting Small Business Saturday 2013, on November 30th.
Show your support for our local businesses – THINK BIG & SHOP SMALL!

 

SPECIAL OFFER – GET $10 BACK WHEN YOU SPEND $10 OR MORE
Register your eligible American Express® Card and get a $10 statement credit when you make a purchase of $10 or more at a qualifying small business location on Nov 30.
Registration is limited. See Offer Terms for full details.
www.facebook.com/SmallBusinessSaturday

 

SHOPSMALL.COM

We have added the Mapfre/Commerce instant quote engine to our website so you now have 2 great options:

1.  Compare all of our carriers and a representative will get back to you within 24 hours.
2.  Get an instant quote from Commerce Insurance.

You can get an
Automobile Insurance Quote 2 ways:

bad_weather 

As a customer of MAPFRE | Commerce Insurance, we are pleased to offer you FREE weather alerts sent directly to your mobile phone or email. Alerts can even be customized to your specific geographic location.

Get alerts about sever weather, winter weather, tropical storms, flooding, hail and more.

Click here to sign up today!
weather aler

Source: http://www.commerceinsurance.com/Weather-Alert/

Please join Fair & Yeager Insurance Agency in supporting the 19th annual Coats for Kids drive, which runs from October 14, 2013 through January 11, 2014. “Anyone who needs a coat will have one” is the continuing mission of Coats for Kids. Coats are needed for all ages: children, teens, adults, and babies. In its history, Coats for Kids has collected, cleaned and distributed nearly 800,000 coats.

Coats For Kids 2013

Here’s how you can get involved today!:

Most expensive 2013 cars to insureMercedes-Benz drivers must have worked hard in the past year to increase insurance claims costs and thus their auto insurance rates. Mercedes models control half the list of the 20 “most expensive vehicles to insure” for 2013 models.

The 12-cylinder Mercedes-Benz CL600 coupe earns the unenviable top spot for the highest national average car insurance rates.  AutoTrader.com notes the car’s “blistering acceleration.” The next sounds you hear may be squealing brakes and cracking metal: Expensive claims have propelled the CL600’s rates.

With an MSRP of about $160,000 and an annual average insurance bill of $3,357 (and that’s for a good driver), the CL600 is expensive driveway candy.

It could be worse.  When we look at state-specific auto insurance rates, we see that insuring an Audi R8 5.2 Quattro in Washington, D.C., costs an average of $6,009.

The table below shows the 2013 models with the highest insurance premiums.
Of course, the most expensive vehicles for you to insure will depend on your driving record and other personal information.  The best way to find out what you’ll pay is to contact us for a quote before you buy.
Rank
Make & model
Cyl.
Avg. annual premium
1
Mercedes-Benz CL600 
12
 $     3,357
2
Mercedes-Benz CL65 AMG
12
 $     3,330
3
Mercedes-Benz S65 AMG
8
 $     3,221
4
Mercedes-Benz SL65 AMG
12
 $     3,207
5
Mercedes-Benz CL63 AMG
8
 $     3,184
6
Mercedes-Benz S600
12
 $     3,158
7
Mercedes-Benz SL63 AMG
8
 $     3,075
8
Mercedes-Benz S63 AMG
8
 $     2,978
9
Porsche 911 Turbo
6
 $     2,958
10
Porsche 911 Turbo S
6
 $     2,925
11
Porsche Panamera Turbo
8
 $     2,912
12
Mercedes-Benz CL550 4Matic
8
 $     2,897
13
Jaguar XKR (convertible)
8
 $     2,822
14
Jaguar XKR (coupe)
8
 $     2,756
15
Jaguar XK
8
 $     2,684
16
BMW 650i
8
 $     2,681
17
Mercedes-Benz SL550
8
 $     2,671
18
Porsche 911 Carrera 4S
6
 $     2,642
19
Mercedes-Benz S550
8
 $     2,640
20
Porsche 911 Carrera S
6
 $     2,626
Source – Insure.com. – commissioned Quadrant Information Services to provide average auto insurance rates for 2013 models. Averages were calculated using data from six large carriers in 10 ZIP codes per state. Not all models were available, especially exotic cars.
Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on personal factors.
Cheapest Cars To Insure 2013Discover which vehicles offer the most affordable insurance premiums.

When you’re enticed by a new car, it’s easy to overlook practical costs such as insurance premiums.  However, depending on the vehicle, these costs could add significantly to what you spend.

For the 2013 model year, SUVs have edged out minivans as low-premium leaders.  Because more families are choosing SUVs and crossovers for their around-town rides, safer and more experienced drivers are often behind the wheel of these vehicles.  Add safety and technology advancements, and SUVs have become a good bet for insurance companies.

If you’re looking to purchase, the table below shows the 2013 models getting high marks for low insurance premiums.

Of course, the least expensive vehicles for you to insure will depend on your driving record and other personal information.  The best way to find out what you’ll pay is to contact us for a quote before you buy.

Rank
Make & model
Cyl.
Avg. annual premium
1
Ford Edge SE
4
 $     1,128
2
Jeep Grand Cherokee Laredo
6
 $     1,148
3
Subaru Outback 2.5i Premium
4
 $     1,150
4
Kia Sportage
4
 $     1,157
5
Jeep Patriot Sport
4
 $     1,160
6
Chevrolet Express 1500
8
 $     1,171
7
Subaru Outback 3.6R
6
 $     1,180
8
Hyundai Tucson GLS
4
 $     1,189
9
Ford Explorer
6
 $     1,197
10
Hyundai Tucson GL
4
 $     1,204
11
Dodge Grand Caravan SXT
6
 $     1,206
12
Ford Transit Connect XLT Premium
4
 $     1,210
13
Chevrolet Equinox 1LT
4
 $     1,210
14
Honda Odyssey EX-L
6
 $     1,217
15
Jeep Compass Sport
4
 $     1,217
16
Kia Sorento LX (2 WD)
6
 $     1,222
17
Nissan Pathfinder S
6
 $     1,224
18
Chevrolet Equinox 2LT
6
 $     1,235
19
Honda Fit
4
 $     1,235
20
Kia Sorento LX (4 WD)
4
 $     1,237

Source – Insure.com. – commissioned Quadrant Information Services to provide average auto insurance rates for 2013 models. Averages were calculated using data from six large carriers in 10 ZIP codes per state. Not all models were available, especially exotic cars.
Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on personal factors.
texting driving new jersey lawA New Jersey court says a person who knowingly sends a text to a driver can share liability if the driver causes an accident.
The ruling last week came in the case of a couple severely injured when their motorcycle was hit by a teenager who was texting while driving in 2009.
The injured couple settled their lawsuit against the driver for $500,000. They also sued his girlfriend, who sent him a text message.
The appeals court says someone who texts a motorist can potentially be liable if the sender knew the recipient would view the text while driving.
Nevertheless, the judges upheld a lower court ruling that dismissed the lawsuit against the girlfriend. The court says the couple didn’t show evidence that the girl knew her boyfriend was driving or would look at her text.

People living in mid-Atlantic and northeast states are waking up to the fact that hurricanes might be a permanent part of their landscape and gearing up to be better prepared for when the next one hits.

The U.S. government is predicting as many as six major hurricanes in the Atlantic region for this year, compared with two major hurricanes that occurred in 2012. Although meteorologists say hurricanes can happen anytime between June 1 and Nov. 30, historically 90% of them occur in August and September.
“People in the South are generally more prepared for hurricanes because they’re more common there,” says Nicholas Depola, claims manager for State Farm Insurance.

Zevan Cohen, a 40-year-old in MillburnN.J., had an electrician install a $1,200 generator in his home last week. He lived through Irene in August 2011, when his basement filled with six feet of water, and Sandy in October 2012, when he lost power for 12 days. After last year’s storm, he says his two children, ages 7 and 11, were getting “shuffled around every night” as the family stayed with friends and other family members. Mr. Cohen says he intended to purchase a generator after Irene, but never got around to it. After Sandy, and with the 2013 hurricane season starting up, he decided to be proactive.

Mr. Cohen says he installed the generator mainly to run the furnace, in case a storm hits again in cold weather. “After Sandy the temperatures really dropped and pipes freezing in the house became a concern,” he says. “Also, it’s for peace of mind, just knowing that the outlets will work and I’ll be able to run a few things in my house.”

Home Depot, the big home-improvement chain, has added hurricane-preparation workshops in places like Staten IslandN.Y., and the New Jersey shore to help people understand basic issues like how to choose the right generator, says Tony Lemma, Home Depot’s regional vice president for the New York metro area. It has long conducted such workshops in the South Atlantic and Gulf States. “Since we’ve had Irene and Sandy, we’ve found that things have changed. So, in the past two years we’ve ramped up the focus around being prepared, and seen attendance at these workshops go up,” Mr. Lemma says.

Some preparations need to be done well before a hurricane warning is issued, insurance and public-safety officials say. Trim tree branches that could damage the house if they fall. Replenish a home-survival kit, making sure it has water, flashlights and batteries, a portable radio, a first-aid kit and medicines. Maintain at least a three-day supply of nonperishable foods like canned goods, nuts and protein bars.

Insurers say a big problem they saw after past storms was homeowners who didn’t know what possessions they had. If there is damage, it’s easier to file a claim if you have an inventory taken in sunny weather, says Alan Niederfringer, vice president for risk control at property insurance company Travelers. Take snapshots of every room and write down the estimated value of items, he says. Focus most on major or hard-to-replace items, and include details such as the model number of appliances. Keep paper copies of the inventory and insurance policy in plastic sleeves and try to also have an electronic version stored in the cloud.

Another big problem insurers saw was loose garage doors, which are vulnerable in heavy winds. Homeowners can install fortifying braces, though for older structures it might be better to replace the door with one that is pressure- and impact-rated, says Marty Henry, a senior vice president at Travelers.

High-demand items like generators, plywood, batteries and flashlights can be out of stock by the time a hurricane warning is issued, says Home Depot’s Mr. Lemma. He says car chargers are important to power radios and cellphones and suggests stocking up on plastic containers to store small valuables, chargers and converters, toothbrushes and prescriptions or a dry change of clothes.

“If a storm hits and you have a generator and you need gas, the last thing you want to do is try to find a gas can,” says Mr. Lemma. After Sandy, some areas had two-to-three-hour lines for gasoline, so fuel up the car and fill the gas cans in advance.

In the final days before a hurricane threatens your area, experts say homeowners should stock up on cash, move patio furniture inside and tie down other items, such as propane grills. Elevate items in the basement in case of flooding.

When local authorities say a storm is imminent, finalize evacuation and communication plans. After Sandy, there were numerous instances of adults struggling to find information about older relatives, says Mary Goepfert, external affairs officer for the New Jersey Office of Emergency Management. Give your location and contact information, including the names and numbers of neighbors, to family members, she says. Coordinate with neighbors as well: Ms. Goepfert says that in some neighborhoods people with generators hosted charging stations at their homes for those nearby who lost power.

Pets can easily get separated from their owners during a hurricane. A microchip implanted in the animal can help bring everyone back together. And for people forced to leave their homes, one of the biggest problems was forgetting to bring medications, Ms. Goepfert says.

Historically, most hurricanes hitting the East Coast don’t go much north of North Carolina, says Christopher Landsea, science and operations officer at the National Hurricane Center, part of the National Oceanic and Atmospheric Administration, or NOAA.

Still, the fact that Sandy and Irene went as far north as they did was unusual, but not unprecedented. A similar spike in hurricanes hit the mid-Atlantic region in the 1950s. The world has been in an active period of hurricanes since 1995, caused by warmer-than-average Atlantic Ocean temperatures, stagnant wind patterns and low-pressure clouds moving in from the west coast of Africa, says Gerry Bell, NOAA’s lead hurricane forecaster. “Such periods can last for 40 years,” he adds.
By ANGELA CHEN, Wall Street Journal,