Archive for July, 2014

Tips for Preventing Car Theft

Thursday, July 31st, 2014

car theftWe’re currently in one of the worst months for car theft. Because of the nice weather and the ease with which people can get around right now, car theft is at its all-time high in the months of July and August. Car theft isn’t usually something that takes place when a thief has to break in windows and hot wire a car, like many movies would lead you to believe. Things like that can take a long time and just beg for someone to notice a car thief. The most effective car thieves prefer to do it in a way that’s quiet and easy, and will look for the easiest (not even the most expensive) vehicle to take.

What Can You Do to Avoid Vehicle Theft?

It’s actually pretty easy. You just need to take a few precautionary steps to avoid allowing easy entry into your vehicle!

  • Don’t leave your keys in your car – Sometimes we get in a hurry and leave a spare set of keys in our cars or figure that we’ll be back soon, so it doesn’t really matter. This is the optimal time for someone to steal your vehicle. If the doors are unlocked and they have easy access to get in your car and turn the ignition, chances are that no one will ever suspect them of stealing that vehicle.
  • Remember to lock doors and roll up windows – This may seem like an obvious instruction, but it could save you a lot of hassle. Leaving your doors unlocked leaves an easy in for car thieves as well as people who just want to steal things out of your car. Which leads us to the next important point.
  • Don’t leave valuables in your car – And if you do, make sure that you have them well hidden and locked up. You’re better off just taking them with you, though. Make sure that you carry your purse or wallet with you, but do so in a well-lit area for your own personal safety. Your car is one of your biggest assets. Don’t leave its safety up to chance.

Vehicle Insurance from Wachter Insurance Agency

If your car is ever stolen, you want to know that you have comprehensive coverage on your vehicle so you don’t find yourself in an even worse position. At Wachter Insurance Agency, we take the time to get to know you and find out more about what kind of coverage you need. We’re local to the Frederick area and can better understand your situation and needs.  We are a family owned and operated facility, right down to the 3rd generation. We’re an independent agency representing the ERIE Insurance Group, Progressive, AIC – Agency Insurance Co., Foremost, Chesapeake Employers Insurance, and Wright Flood. Our offerings include auto, home, motorcycle, boat, flood, business and life insurance coverage. If you have any questions about vehicle insurance, or if you’d simply like to talk to a representative, please feel free to contact us at 301.371.6335.

Source: Erie Sense

Insurance Tips for Prospective Landlords

Tuesday, July 22nd, 2014

landlord insuranceSo you’re considering becoming a landlord. It’s important to remember first and foremost that being a landlord is a big responsibility and a lot of work. It can also be very rewarding and help you to pay off your mortgage. The important thing to remember is that your tenants are people who make mistakes and have lives and needs just like you do. You need to make sure that you mesh well with your renters and that you both understand all of the caveats that come with renting a home/condo/apartment. You’ll also need to make sure that both you and your tenant are properly insured in case of an accident, disaster, or destruction of property. Some of the following tips will help you and your tenants become more insurance savvy!

What Insurance Will Protect Landlords and Renters?

  • Landlord Requirements – Having home insurance is absolutely necessary as a landlord in case anything happens that is beyond your control.  We suggest that landlords carry “building, income protection, and general liability” insurance as well as other optional choices.
  • Renter Requirements – Surprisingly, there is no requirement for renters to have insurance. You’ll find that most leasing offices and landlords do require renter’s insurance, though. It’s generally inexpensive and can help protect both you and the renter. Most tenants will purchase insurance that covers all of their assets that they keep in the apartment in case of fire, flood, or other natural disasters. Having this type of insurance prevents headaches down the road for you and your tenants.

Make sure that you talk to your insurance agent before making any decisions. It’s important to remember that being a landlord is a big responsibility. It helps to sit down and have a thorough discussion about insurance as well as any other issues that are important to you before your new tenants sign a lease or move in. Get everything down on paper and make sure that you and your new tenants have open lines of communication.

Home Owner’s Insurance from Wachter Insurance

At Wachter Insurance Agency, we take the time to get to know you and find out more about what kind of coverage you need. We’re local to the Frederick area and can better understand your situation and needs.  We are a family owned and operated facility, right down to the 3rd generation. We’re an independent agency representing the ERIE Insurance Group, Progressive, AIC – Agency Insurance Co., Foremost, Chesapeake Employers Insurance, and Wright Flood. Our offerings include auto, home, motorcycle, boat, flood, business and life insurance coverage. If you have any questions about homeowner’s insurance or business insurance, or if you’d simply like to talk to a representative, please feel free to contact us at 301.371.6335.

Source: ErieSense

Car Insurance for Your Teen

Monday, July 14th, 2014

teen driverIt’s no secret that adding a brand new driver to your car insurance policy can make your rate shoot up. Most people hate the idea of putting a teenager on their insurance policy for a couple of different reasons, liability and cost being two of the biggest. It can’t be avoided, though. Teens eventually have to learn how to get out and drive on their own and insuring them on their own policy is usually more expensive. Putting them on your policy will help you control your costs and will help ease your teen into the world of driving and the costs that come with such a big responsibility. Following are some tips from the professionals when you’re getting ready to include your teen on your car insurance policy.

  • Have the “young driver” talk – Erie Insurance agents are always happy to do this with you and your new driver. Kids can be really resistant to parental advice. It almost seems to be hardwired. When an Erie Insurance agent talks to your teen, you both know that they’re speaking from experience and statistics. Your agent will talk you and your teen through all of the risks associated with being a new driver and how to be safe on increasingly dangerous roads. Sometimes the shock treatment helps.
  • Learn more about your rate options – Your options change when you get ready to add a teen driver. When you do the young driver talk, you’ll learn more about why your rate goes up. The statistics alone will be enough to explain to you why you’re suddenly paying so much more. You should also ask about ways to get the rate down.  Every little bit counts.
  • Spend a lot of time driving – The more time you spend in the car with your young driver, the more experience they get with someone who’s been on the road for years. It’ll reduce their chances of getting in an accident and eventually start to push your rates lower. Maryland requires 60 hours of driving time with an adult over the age of 25. 60 hours may seem like a lot, but if your new driver doesn’t seem completely confident, or if you aren’t comfortable yet, spend some extra time with them before the driver’s test. It’ll pay off in the long run.

Having a young driver in the house can be scary, but taking the time to learn more about young driver insurance and helping them to be safe drivers can make the process a little bit easier. To find out more about insuring your Frederick teen drivers, call us at 301.371.6335, visit our website, or drop by our Middletown, Maryland office to schedule a personal and informative appointment.

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Source: Erie Sense

Why Should You Have Life Insurance?

Wednesday, July 9th, 2014

life insuranceis a question that comes mostly from the younger population. To a lot of people, life insurance can seem like a luxury or a concept that doesn’t apply to them. For those who have life insurance, you know that it’s an important part of life that can help your family when you pass away. The fact of the matter is that everyone can benefit from life insurance, whether you have a family to support or not. Not having adequate life insurance can put your spouse, parent, or child in a tough position after your death. Life insurance policies allow you to support and protect them even after you’re gone. There are many advantages to purchasing life insurance, especially at a young age.

  • Costs less the younger you buy – If you’re young and healthy, your life insurance isn’t going to be as expensive as that of a 50 or 60 year old. Insurance companies see you as less of a liability. It also gives you more time to pay into the system. It’s true that you’ll probably have to change your policy here and there as you get older to accommodate for life changes, but buying young is a good place to start.
  • Protect your spouse – If you don’t have children but are married, you’ll want life insurance to help protect the person who is closest to you. It isn’t just your spouse that you’re protecting, though. If your parents are still your next of kin, they’ll have to cover funeral costs and outstanding bills that aren’t eradicated by death. Your spouse may need help covering lost income, mortgage, and more after you pass. Don’t leave them without something to help get them through.
  • Leave a legacy – If you do have young children, you’ll want to make sure that they can go to college and won’t have to worry about your spouse making ends meet in the case of your untimely passing. Having life insurance will help ensure that they get through the months and years following your passing as smoothly as possible. Your parting gift will help them know that you truly cared about their welfare and want to see them do well in life.

When you’re ready to start discussing life insurance with your Frederick insurance provider, we’re here to help. you can call us at 301.371.6335, visit our website, or drop by our Middletown, Maryland office to scheudle a personal and informative appointment.

Source: Nationwide

4th of July Safety Tips for Frederick County Residents

Tuesday, July 1st, 2014

4th of july frederickIndependence Day is one of the greatest days of the year for US residents. We really know how to celebrate in Frederick County, from the local carnivals to celebrations in Baker Park, the 4th is always a fun event. The holiday does have the potential to be dangerous, though, especially if you don’t take the proper precautions to avoid holiday mishaps. It’s important to keep in mind some summer safety tips, as well as some safety precautions specific to the 4th of July. We’ve put some together to help you get through this holiday weekend in a safe (yet fun) manner.

  • Keep a fire extinguisher on hand – Most of the events that center around the 4th involve fire: grills, fireworks, sparklers, etc. Make sure that you read all of the safety precautions before setting off any fireworks or sparklers and that you have a fire extinguisher (and a bucket of water) close at hand all day long.
  • Enjoy water sports responsibly – If you’re headed off to Ocean City for the holiday, remember to be safe on the beach. Keep an eye out for riptides and ALWAYS listen to the lifeguard. Even if you’re sticking around the Frederick area to swim, make sure that you never swim alone. If there are children around, keep a close eye on them. Lifeguards are only there in case of trouble.
  • Remember to wear sunscreen – You’ll likely spend most of the day outdoors on the fourth. Even if it’s cloudy or overcast, you should make sure you slather on the sunscreen. Start with SPF 15 at the very lowest, but consider using SPF 30 or SPF 50 if your skin is particularly sensitive to the sun. Remember to read the back of the bottle to find out how often you should reapply and whether it’ll work in the water or not.
  • Drink responsibly – If you’re planning to indulge a little on this Independence Day, remember to do so responsibly. Stay hydrated by drinking a glass of water in between alcoholic beverages and assign a designated driver for the evening to avoid being a hazard on the road. It’s important to keep our Frederick County roads safe for everyone this 4th of July. If you know you can’t drive and don’t have a designated driver, you shouldn’t hesitate to contact a cab company.

Remember to be safe and responsible this Fourth of July! You can still have fun while practicing our summer safety tips. For more tips, check out our Summer Safety Blog. If you need insurance in the Frederick County area, you can call us at 301.371.6335, visit our website, or drop by our Middletown, Maryland office.

Source: Surf Net Kids, Medicine Net