http://www.claudereynoldsinsurance.com/blog/View Claude Reynolds Insurance Agency Inc.'s Website Blogen-uspostmaster@www.claudereynoldsinsurance.comInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:8f6facea-3ee7-486d-9f4c-84563e658289urn:uuid:a3be2474-bfc5-428d-a5d0-8d5933f90932<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/history%20of%20insurance.jpg' align='left' />Risk has been around since the beginning of time, and therefore, people have been trying ever since to share the risk and eliminate disaster. The basic concept of insurance is to spread risk; countries and their citizens needed an option to spread ri...Wed, 22 Feb 2012 09:23:28 -0600Risk has been around since the beginning of time, and therefore, people have been trying ever since to share the risk and eliminate disaster. The basic concept of insurance is to spread risk; countries and their citizens needed an option to spread risk among large numbers of people. This is how the theory of insurance emerged.<br /> <br /> <img title="History of Insurance" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/history%20of%20insurance.jpg" style="width: 250px; height: 318px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" alt="History of Insurance" />The first methods of transferring or distributing risk were practiced by Chinese when merchants traveling through the river would redistribute their products across many vessels to limit the loss due if any single vessel capsized.<br /> <br /> Many centuries later, the Greeks and Romans introduced the origins of health and <a href="http://www.claudereynoldsinsurance.com/life/louisville-life-insurance.aspx" target="_blank">life insurance</a> in 600 B.C. when they created "benevolent societies" which cared for the families of deceased members, as well as paying funeral expenses of members. Later, in Europe, "friendly societies" existed in which people donated amounts of money to a general sum that could be used for emergencies.<br /> <br /> In 1666, the great fire of London changed everything. When over 14,000 buildings were destroyed, people were searching for an answer. As a response to this insurmountable tragedy, a new business emerged for underwriters who formed insurance companies to offer fire insurance. The modern-day insurance industry expanded from there. <br /> <br /> While insurance thrived in Europe, the early colonial period in America was different. Because the colonists' lives were filled with so many dangers, it was impossible to provide any type of insurance. The death rate was so high, there was no option for insurance or protection because the risks were simply too great. It took more than 100 years for insurance to establish itself in America, brought together by none other than Benjamin Franklin. Franklin added insurer to his resume in 1752 along with statesman, scientist, inventor or author. He offered the first fire insurance policy in America through the Philadelphia Contributionship. Benjamin Franklin helped to promote and make <a href="http://www.claudereynoldsinsurance.com/blog/How_Much_Insurance_Do_I_Need_On_My_Home.aspx" target="_blank">property insurance</a> standard. From here, insurance expanded to include life, health and disability.<br /> &nbsp;<br /> The first employer-sponsored hospitalization plan was created by teachers in Dallas, Texas in 1929 and this plan incorporated the first HMO concept, by requiring all teachers to use a specified hospital. After World War II, the employer-sponsored health insurance plans expanded because federally imposed wage and price controls prohibited manufacturers and other employers to offer higher wages. As an alternative, they began to offer health insurance benefits to their employees. <br /> <br /> Since the days of the Chinese vessel insurance, insurance is always been in demand because people are always looking for ways to minimize risk. As the demand, range, options and policy variations became available, <a href="http://www.claudereynoldsinsurance.com" target="_blank">insurance companies </a>were established, grew and expanded. With the onslaught of the internet, people can now get insurance from all over the country, and even internationally. Insurance is a global market with a limitless number of <a href="http://www.claudereynoldsinsurance.com/content/get-a-quote.aspx" target="_blank">insurance options</a> available to spread the risk across the globe and protect the customers they serve.<br /> <br />urn:uuid:4e724133-3a3c-4c15-92cb-1aa201703b5a<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/home%20based%20business%20insurance.jpg' align='left' />Internet businesses, telecommuting and freelancing are all becoming increasingly popular among workers nowadays. For obvious reasons, people are switching to an online platform, which is not only more convenient, but also very cost effective for them...Fri, 17 Feb 2012 09:43:40 -0600Internet businesses, telecommuting and freelancing are all becoming increasingly popular among workers nowadays. For obvious reasons, people are switching to an online platform, which is not only more convenient, but also very cost effective for them. One thing that is necessary to conduct operate in the comforts of your own home, however, is a home office. Note that this makes things a little complicated, especially when it comes to your home insurance. <br /> <br /> <img title="Will Working From Home Affect My Insurance" alt="Will Working From Home Affect My Insurance" style="width: 250px; height: 188px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/home%20based%20business%20insurance.jpg" />It's often debated by home business owners whether working from home can and should affect their <a href="http://www.claudereynoldsinsurance.com/blog/How_is_My_Homeowners_Insurance_Premium_Determined.aspx" target="_blank">home insurance premiums</a>. Would it be for the better? Would it be for the worse? Read through the following arguments to finally dispel the misconceptions that are associated with home insurance and home-based businesses. <br /> <br /> <strong>Home-based businesses are required to have insurance coverage if any of the following conditions are true:</strong><br /> <br /> - The home-based business employs a staff<br /> - The home-based business manufactures a product<br /> - There is a need for professional indemnity that protects (i.e.) a consultant from a customer that complains for any losses that resulted from bad advice<br /> - The home-based business is using the house as its primary establishment and office<br /> - The furniture and fixtures are being used in the operation of the business<br /> - Consumables and supplies in the house are used for the business<br /> - The home-based business uses electricity and water to operate<br /> - Employer's liability and public liability insurance are involved<br /> - General buildings and contents are presently uninsured<br /> <br /> These are the things that may directly or indirectly affect the prices of your home insurance premiums. Remember that the way in which these factors will affect your insurance rates will depend on how the building contents are being used and what type of business you are operating within the premises of the house.<br /> <br /> <strong>Business Insurance Options for Home Based Businesses</strong><br /> <br /> <strong>- Endorsement on your homeowners insurance.</strong> The easiest way to get insurance for a home based business is to add riders or endorsements to a <a href="http://www.claudereynoldsinsurance.com/homeowners/home-insurance-quote.aspx" target="_blank">homeowner&rsquo;s policy</a>. Some insurers offer an inexpensive business endorsement. However, while this may be the least expensive way to get insurance coverage, it will provide the least amount of coverage.<br /> <br /> <strong>- Home business insurance policy.</strong> These policies are a step up and will not only cover liability, but can be constructed to cover loss of income, business expenses, equipment and data. They can also provide coverage for losses incurred by theft or fire. <br /> <br /> <strong>- Business owner&rsquo;s policy.</strong> This type of policy will offer the most comprehensive levels of coverage, including personal injury protection. This is for the home based business that has major investments or perhaps manufactures their own product. A BOP doesn't include workers' compensation insurance, which covers employee accidents on the job which is required by many states. <br /> <br /> It is recommended that you seek the advice of an <a href="http://www.claudereynoldsinsurance.com" target="_blank">insurance provider</a> in your area for further consultation and advice. They will be able to evaluate your situation and help you choose the right type of coverage for your home based business.<br /> <br />urn:uuid:e0a0826c-ed8a-4426-865d-c63efd76e14c<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/farm%20insurance.jpg' align='left' />This week, the future of farming is at the 47th National Farm Machinery Show. The National Farm Machinery Show is here with products, services, demonstrations and of course, the Championship Tractor Pull. As the nation&rsquo;s largest indoor farm sh...Wed, 15 Feb 2012 10:48:21 -0600This week, the future of farming is at the 47th National Farm Machinery Show. The National Farm Machinery Show is here with products, services, demonstrations and of course, the Championship Tractor Pull.<br /> <br /> As the nation&rsquo;s largest indoor farm show returns to the Kentucky Exposition Center it&rsquo;s clearly evident that farm and ranch owners have a different lifestyle than other businesses, which translates into unique insurance needs. <br /> <br /> <img title="What You Need To Know About Farm Insurance" alt="What You Need To Know About Farm Insurance" style="width: 250px; height: 169px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/farm%20insurance.jpg" />Traditional insurance might not quite cover all aspects of farming or ranching which is a special way of life, and it&rsquo;s vital that it stay protected. Although much of agriculture is now mostly dominated by large corporations, the traditional small family farms are a vital part of our economy. Significant losses can be devastating to the entire country and risks must be controlled and insured as much as possible. <br /> <br /> <strong>Determining Your Needs:</strong> In determining which agricultural insurance that fits your needs, you must first decide what your needs are. First, are you a farm? Or do you farm as a hobby? This can be a bit difficult to define but it is important because a standard homeowner&rsquo;s policy may cover certain hobby activities, so long as they do not produce a profit. However, some insurers maintain that once production and sales of a product occur, then a farm policy is necessary.<br /> <br /> Once you begin to make a profit, you must define what you produce, how much, and all operations that are completed within the farm. For example, you must define what crops are grown, what livestock are raised, what products are sold, which employees work, equipment used, visitors allowed, land rented, buildings used, etc. Only after everything is defined can you be adequately insured. <br /> <br /> <strong>The Farm Policy:</strong> The standard farm policy is a hybrid of <a href="http://www.claudereynoldsinsurance.com/homeowners/louisville-home-insurance.aspx" target="_blank">homeowners coverage</a>, <a href="http://www.claudereynoldsinsurance.com/business/louisville-business-owners-insurance.aspx" target="_blank">commercial business insurance</a> and <a href="http://www.claudereynoldsinsurance.com/blog/Choosing_the_Right_Insurance_to_Keep_Your_Toys_Safe_All_Year_Long.aspx" target="_blank">specialty insurance</a>. The basic policy covers property, liability, and medical needs on the farm. In addition to the basic policy, many insurers will give some additional options of specific add-ons or &ldquo;endorsements&rdquo; to customize your policy to your needs. Such endorsements might include:<br /> <br /> A. <strong>Exclusion Coverage</strong> which expands your basic policy to cover certain buildings or animals that are specifically excluded from coverage, but covered by the endorsement.<br /> <br /> B. <strong>Operation of Building Laws</strong> will cover the cost of bringing a house or outbuilding up to code after a loss. <br /> <br /> C. <strong>Boarded Animals Coverage</strong> for liability or property damage coverage if a loss is caused by or to a boarded animal.<br /> <br /> D. <strong>Crop Insurance</strong> protects the farmer from a loss of a seasonal crop from a disaster. <br /> <br /> Farmers and ranchers are still the heart and soul of the American heartland and should be protected with adequate coverage in all areas. In addition to a farm policy, any owner of a farm should seriously consider life and disability insurance to protect the farm and family in the unlikely event that a catastrophe or accident may have tragic consequences.<br /> <br />urn:uuid:43824a7d-0cb8-45a5-b027-8165cdb0fb3f<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/water%20damage.jpg' align='left' />Rain, Rain, go away. Come again another day. Raindrops can cause a migraine when you discover your home filling with water. Generally, your homeowners insurance won&rsquo;t cover flood damage, but it would cover water damage. While the world of water...Wed, 08 Feb 2012 13:22:59 -0600Rain, Rain, go away. Come again another day. Raindrops can cause a migraine when you discover your home filling with water. Generally, your homeowners insurance won&rsquo;t cover flood damage, but it would cover water damage. While the world of water damage can be a tricky one, the time to understand your policy options is not when your pipes burst or a leaky dishwasher creates a lake in your kitchen. <br /> &nbsp;<br /> <img title="Water Damage - What is Covered" alt="Water Damage - What is Covered" style="width: 250px; height: 188px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/water%20damage.jpg" />There are basically two insurance policies that deal with water damage-- a flood insurance policy and a <a href="http://www.claudereynoldsinsurance.com/homeowners/louisville-home-insurance.aspx" target="_blank">homeowner&rsquo;s insurance policy</a>. Losses not covered by one of these policies may be covered by the other. Homeowners are required to carry homeowners insurance, but are not required to purchase an additional policy specifically for flood damage. Many homeowners do not purchase flood insurance unless they live in a flood-prone geographic area, but understanding what your coverage limits are may save you headaches when the raindrops start falling.<br /> &nbsp; <br /> Homeowners Insurance: Your homeowner's insurance policy does not provide coverage for floods, but it does provide coverage for <a href="http://www.claudereynoldsinsurance.com/blog/Will_My_Homeowners_Insurance_Cover_Water_Damage.aspx" target="_blank">other types of water damage</a> to your home such as: <br /> <br /> 1. A hailstorm smashes your window, resulting in a rainstorm in the bedroom. <br /> 2. A heavy rain soaks through the roof and drips into your ceiling. <br /> 3. A broken water pipe spews water into your home. Note that a slow leaking pipe or neglected frozen pipes might not be <br /> covered if the homeowner has been irresponsible.&nbsp; <br /> 4. Water leaks from your backyard pool into your basement<br /> 5. Dishwasher or washing machine overflows, causing a flood. <br /> <br /> The golden rule when wondering if homeowners covers a specific water hazard is to determine if the water first hit the ground, before damaging your home. If it hit the ground first, you&rsquo;re most likely not covered. &nbsp;<br /> <br /> Flood Insurance: The dictionary defines "flood" as a rising and overflowing of a body of water onto normally dry land. Therefore, flood damage is caused by water that has been on the ground at some point before damaging your home. Here are a few examples of situations that would be <a href="http://www.claudereynoldsinsurance.com/blog/What_Everybody_Should_Know_About_Flood_Insurance.aspx" target="_blank">covered by flood insurance</a>, but not covered by your typical homeowner policy. &nbsp;<br /> <br /> 1. A backed up sewer that floods your basement<br /> 2. Floods caused by a nearby lake or river.<br /> 3. A heavy rain causes water to seep into your floor.<br /> 4. A flash flood causes the hill behind your house cause a mud slide in your basement. <br /> <br /> Flood damage to your home can be insured only with a <a href="http://www.claudereynoldsinsurance.com/flood/insurance_quote.aspx" target="_blank">flood insurance policy</a> -- no other insurance will cover flood damage. It is important to understand that even these types of situations, your possessions (furniture, clothes, etc.) would be covered by homeowners, even if the flood damage itself is not.<br /> <br />urn:uuid:f67d6d9f-a686-4401-a317-12f88c1dd0bd<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/home%20repairs%20for%20%20professionals.jpg' align='left' />Before you reach for your tools and tackle your next DIY project, you might want to think twice about the task at hand. Many homeowners who are financially strict will automatically assume that if they want to save money, it&rsquo;s important to do a...Wed, 01 Feb 2012 17:59:22 -0600Before you reach for your tools and tackle your next DIY project, you might want to think twice about the task at hand. Many homeowners who are financially strict will automatically assume that if they want to save money, it&rsquo;s important to do all home improvements themselves. <br /> <br /> <img src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/home%20repairs%20for%20%20professionals.jpg" style="width: 250px; height: 167px; float: left; margin-top: 10px; margin-bottom: 10px; margin-right: 10px;" alt="Home Repair Best Left to Professionals" title="Home Repair Best Left to Professionals" />Instincts tell us that calling a professional is unnecessary and expensive, but some tasks are simply too risky, too dangerous or require specialized training. You probably aren&rsquo;t as quick to draw your own blood or fill your own cavities, some things are <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/5_Keys_to_Finding_the_Best_Home_Contractor.aspx">better left to a professional</a> and home repairs are no different. <br /> <br /> Here are the top five house repairs that are best left to a professional:<br /> <br /> <strong>1. Plumbing:</strong> If it&rsquo;s anything more than unclogging a drain, you should probably call a plumber. Plumbing repairs are risky business because where water is involved, there is a vast potential for extensive problems. Water damage can travel quickly and cause thousands of dollars in home repairs. Even a small leaky pipe can cause major structural damage to your home. <br /> <br /> <strong>2. Gas:</strong> Projects involving gas appliances should always be approached with a professional. When it comes to gas appliances, one mistake can be harmful or fatal. &nbsp;<br /> <br /> <strong>3. Electrical:</strong> Changing a light bulb, installing a fixture, and even fixing an outlet are things most homeowners can tackle, but any extensive electrical projects need the assistance of a trained professional. Most electrical repairs carry a high risk of electrical shock and some even require you to get a special permit before the work can be done. <br /> <br /> <strong>4. Roofs and Ladders:</strong> According to The Bureau of Labor Statistics, there are hundreds of deaths annually due to falls from ladders, roofs and scaffolding. Any project requiring a ladder higher than your standard 8&rsquo; home ladder needs the assistance of a professional. In this case, safety is much more important than the savings of doing the home repair yourself. Even if you&rsquo;re comfortable with heights, roofing requires steady footing and experience. In addition to the safety factors, roofing must be done with precision in order to avoid water damage and high heating and cooling costs if done incorrectly. &nbsp;<br /> <br /> <strong>5. Demolition Projects:</strong> Anytime you&rsquo;re tackling a demolition, moving a wall or breaking down anything, you need to call a professional before you pick up a sledgehammer. Bashing in a wall may seem simple, but it&rsquo;s important to understand what is behind and inside the wall, and whether it is structurally important to the house. Chances are if your home improvement project requires removing a wall, you should have a professional contractor on speed-dial. &nbsp;<br /> <br /> This doesn&rsquo;t mean you need to call a repair man every time something creaks, there are still many home repairs that don&rsquo;t require a professional such as: small brick or broken tile work, patching concrete, or replacing a faucet and fixtures.<br /> <br /> Before you start any house repair project, be sure you understand each step in the process, understand the risks and the requirements involved and take every precaution to do the job carefully and safely. It is always tempting to do home repairs yourself to save money, but if you cause more problems by attempting a DIY you aren&rsquo;t prepared for, it may not always be as cheap as you think.<br />urn:uuid:cdac85f8-1ef5-4679-9584-714870e01b66<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/captive%20agents%20vs%20independent%20agents.jpg' align='left' />Understanding insurance can be a bit of a minefield, but finding the right agent can help you safely navigate through the complicated world of insurance and ensure that you get the best deal. The key decision comes down to choosing the best insurance...Thu, 26 Jan 2012 12:44:41 -0600Understanding insurance can be a bit of a minefield, but finding the right agent can help you safely navigate through the complicated world of insurance and ensure that you get the best deal. The key decision comes down to choosing the <a href="http://www.claudereynoldsinsurance.com/" target="_blank">best insurance agent</a> who can provide you with the services you need. There are primarily two types of insurance agents: captive and independent. Both have the same goal of providing you with quality insurance coverage, but it is important to be aware of their notable differences.<br /> <br /> <strong><img title="Captive vs Independent Agents" alt="Captive vs Independent Agents" style="width: 250px; height: 188px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/captive%20agents%20vs%20independent%20agents.jpg" />Captive Agents</strong><br /> <br /> A captive agent is held &ldquo;captive&rdquo; by one specific insurance company. They are not necessarily employed by that company, but they have entered into a contract with that insurance company and can only offer products and services from that company. For example, ABCInsurance is an insurance agency who can only sells policies for 123Auto so their sole purpose is to solicit business for 123Auto. Because they can only sell policies from one company, Captive agents are limited in what they can sell.<br /> <br /> <strong>Independent Agents</strong><br /> <br /> Independent agents are not tied to any individual insurance company and work directly <a href="http://www.claudereynoldsinsurance.com/blog/Whos_Got_Your_Back_Your_Local_Agent.aspx" target="_blank">for the customer</a>. So, this means that they have the ability to sell you insurance from multiple companies depending on your needs. For example, ABCInsurance might sell insurance for 123Auto, XYZAuto, and A1Homeowners. This gives you, as the buyer, more options in finding a policy that fits you because you can look at three or four different companies through one agent. Because they sell policies from multiple companies, Independent agents have the ability to compare prices and services among different insurers to find the best product for their customers.<br /> &nbsp;<br /> There are pros and cons to both of these options. While an <a href="http://www.claudereynoldsinsurance.com/blog/Why_Choose_an_Independent_Agent.aspx" target="_blank">independent agent</a> might be able to offer you a wide range of options and can compare quotes from their various carriers to get you the best deal, but you might not be familiar with the companies they represent. A captive agent can only offer you plans from one company, but he will be an expert on what that company has to offer and will have a close relationship with that carrier. Both agents, regardless of their status will be licensed by the state to sell insurance and will do their best to find the coverage and price that make you, the customer, feel the most comfortable. <br /> <br /> The most important aspect in choosing an insurance agent is to find a well-rounded professional who you feel comfortable working with on a long-term basis. They should be knowledgeable, understanding and respectful of your needs as well as provide you with affordable insurance options.<br /> <br /> If you have questions or concerns about your current Louisville insurance policies, our knowledgeable local independent agents at Claude Reynolds Insurance are always here to help.<br /> <br />urn:uuid:c68fd08f-c79f-4a29-b629-4298103c98d8<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/boat%20insurance%20tips.jpg' align='left' />It&rsquo;s an exciting day when you make a new watercraft purchase and, while you may be dreaming of sailing the open seas, racing in next weekend&rsquo;s regatta or bass fishing with your buddies, what you really need to think about is obtaining pro...Tue, 24 Jan 2012 09:25:02 -0600It&rsquo;s an exciting day when you make a <a href="http://www.claudereynoldsinsurance.com/blog/Choosing_the_Right_Insurance_to_Keep_Your_Toys_Safe_All_Year_Long.aspx" target="_blank">new watercraft purchase</a> and, while you may be dreaming of sailing the open seas, racing in next weekend&rsquo;s regatta or bass fishing with your buddies, what you really need to think about is obtaining proper insurance to protect your new investment from an unexpected mishap.<br /> &nbsp;<br /> <img title="Boat Insurance Tips" alt="Boat Insurance Tips" style="width: 250px; height: 148px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/boat%20insurance%20tips.jpg" />Many people ignore buying boat insurance but, let&rsquo;s face it, accidents do happen and you need to protect yourself, other people and your vessel. A good policy will protect you and your equipment from damage caused by collisions, <a href="http://www.claudereynoldsinsurance.com/blog/6_Reasons_To_Insure_Your_Boat_in_the_Off-Season.aspx" target="_blank">vandalism or accidents</a> and will, at the same time, fit into your budget.<br /> &nbsp;<br /> <strong>What to Consider Before You Shop</strong><br /> <br /> Before visiting your insurance agent or calling several places for quotes, you should consider what types of insurance coverage you need. First, how will you use your boat? Whether you own a catamaran or powerboat for weekend pleasure or you run a charter fishing boat for a living will have a great impact in determining the kind of insurance coverage you need. The type, age and condition of your boat are all factors. Newer, larger and more expensive vessels cost more to insure. Older boats with depreciated values will result in lower premiums. Consider what type of equipment you have on your boat and what type of coverage you need for it. You may also want to insure your vessel&rsquo;s trailer. If your watercraft is up to 26 feet long, it can be insured as a &ldquo;boat,&rdquo; but if it is over 26 feet long it is classified as a &ldquo;yacht&rdquo; and requires coverage under a different type of plan. <br /> <br /> <strong>Liability or Full </strong><br /> <br /> Your agent can help to explain the differences in coverage. Basically, <a href="http://www.claudereynoldsinsurance.com/boat/watercraft_insurance_quote.aspx" target="_blank">boat insurance</a> is much like car insurance. You can get a liability policy which covers damage to another boat and bodily injury or death to a third party as a result of negligence. Boat liability covers damages that are done by the boat and personal liability covers damages which are deemed the fault of the owner. Liability policies only cover damages to another party. The boat owner must pay for the cost of damages to his own vessel. <br /> <br /> Full coverage policies cover all damage regardless of who is at fault including damage to the structure of boat, the engine, loss or damaged personal property, and may include towing costs or salvage and wreck removal. Full coverage protects the owner and vessel even if the entire boat is destroyed.<br /> <br /> <strong>Cost Savings </strong><br /> <br /> Similar to car insurance, boaters with a good driving record will merit lower premium prices than someone with accidents. Boaters with accidents on their records, especially if there were drugs or alcohol involved, can expect skyrocketing premiums.<br /> <br /> Safety equipment onboard the vessel will also help to decrease premiums. Owners should have fire extinguishers, personal flotation devices for each person onboard and visual distress signals should be stowed appropriately. Other safety equipment such as visual distress signal, sound producing device, backfire flame control and proper ventilation may also factor into premium costs.<br /> <br /> <strong>Discounts</strong><br /> <br /> Many insurance companies encourage <a href="http://www.claudereynoldsinsurance.com/blog/Boating_Safety_6_Tips_to_Keep_You_Safe_This_Summer.aspx" target="_blank">safe boating practices</a> by rewarding boat owners who complete Boating Safety Courses with discounts on premiums. Qualified volunteer organizations such as the U.S. Coast Guard Auxiliary, U.S. Power Squadron and many state boating agencies sponsor classes throughout the country. Online courses are also available <a href="http://www.boatsafe.com/" target="_blank">www.boatsafe.com</a>, <a href="http://www.boaterexam.com/usa/" target="_blank">www.boaterexam.com/usa</a> and various other sites. <br /> <br /> Begin your search for the best boating policy with your current insurance company as most insurance companies offer multiple policies discounts to existing car insurance and homeowner&rsquo;s insurance customers. <br /> <br /> Then, you can sit back and relax, imagine the wind blowing through your hair and the water spraying your face because you have your boat and your loved ones protected.<br /> <br />urn:uuid:35699bf9-787d-4367-aa3e-fa7c2a61e39f<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/how%20to%20save%20energy%20at%20home.jpg' align='left' />Your home is most likely one of the biggest users of energy in your life. Day in and day out, your home is using energy to keep you warm in the winter, cool in the summer, heat your meals and cool your milk. It uses energy to keep your lights on, you...Fri, 20 Jan 2012 12:29:34 -0600Your home is most likely one of the biggest users of energy in your life. Day in and day out, your home is using energy to keep you warm in the winter, cool in the summer, heat your meals and cool your milk. It uses energy to keep your lights on, your water hot and your clothes clean. <br /> <br /> <img title="How to Save Energy At Home" alt="How to Save Energy At Home" style="width: 250px; height: 193px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/how%20to%20save%20energy%20at%20home.jpg" />Energy bills often go up during the peak seasons, which are typically July-August and January &ndash; March. It is during this time, that going the extra mile to save energy everyday can make a big impact on your power bills. <br /> <br /> Here are a few tips to use the <a target="_blank" href="www.claudereynoldsinsurance.com/blog/4_Simple_Tips_To_Lower_Your_Energy_Bill.aspx">energy in your home</a> as efficiently as possible. <br /> <br /> 1. Be sure you are using energy-efficient appliances. Most appliances today come with an energy efficiency rating. Be sure you are not using old appliances that suck more energy than they need. Keep your appliances maintained to be sure they are working as efficiently as possible, change the filter in <a href="http://www.claudereynoldsinsurance.com/blog/How_To_Prepare_Your_Home_For_Winter.aspx">your heater</a> every 3 months<br /> <br /> 2. Operate your appliances to their full capacity, only turning on your washing machine and dishwasher when you have a full load. When possible, consider air drying your clothing on an indoor drying rack. <br /> <br /> 3. Use daytime light as much as possible. Opening your blinds can provide just as much light as turning on a light bulb, and it&rsquo;s free! <br /> <br /> 4. Use dimmer switches and energy-efficient light bulbs in lamps and overhead lighting to get more use for your money. <br /> <br /> 5. Be sure you have <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/5_Keys_to_Finding_the_Best_Home_Contractor.aspx">proper insulation and air sealing techniques</a> in your home. There&rsquo;s no point in heating your home when all the heat is seeping outside. Check and seal any ducts that run through the attic, crawlspace, unheated basement, or garage with duct sealant or metal-backed tape.<br /> <br /> 6. Use your landscaping to your advantage. Consider your homes climate when planning your landscaping to decrease your watering or cooling needs. <br /> <br /> 7. Adjust your water heater to the lowest setting when you are away or out of town. This will eliminate energy uses of heating your water when you will not be home.<br /> <br /> 8. Use trees and other plants to help shade the main windows in your house to keep your home cool in the summer and to provide windbreaks around your home in the winter. <br /> <br /> 9. Monitor your heating and cooling. Heating and cooling accounts for more than half of the energy use in a typical home, and therefore, is the largest expense. Keep your temperature between 65 and 68 degrees and use other techniques such as blankets, warm clothing, or a fireplace to <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/10_Tips_To_Winterize_Your_Home.aspx">add extra warmth</a> on cold days. <br /> <br /> 10. Wash your clothes in cold water. You can now find detergent specifically formulated for cold water washing, which will provide you the same cleanliness without the cost of extra water heating. <br /> <br /> 11. If possible, use your programmable thermostat to decrease your heating while you&rsquo;re away from home during work days, when you are out of town, and/or at night. <br /> <br /> 12. Break out the cocoa and blankets.<strong> </strong>Add a blanket to each bed at the beginning of December. This extra warmth will eliminate the need for space heaters. If necessary, use electric blankets, but turn them off before you fall asleep. Adding cocoa and soup to your diet can help warm everybody up without the additional cost of extra energy. <br /> <br /> Doing a few simple steps around your house can help keep you warm and cozy while saving you a few extra dollars.<br /> <br /> Everyone loves saving money. Why not find out how much Claude Reynolds Insurance can save you on <a target="_blank" href="http://www.claudereynoldsinsurance.com/homeowners/louisville-home-insurance.aspx">Louisville homeowners insurance</a>. Call today (502)933-2255 or get a free instant online <a target="_blank" href="%20http://www.claudereynoldsinsurance.com/homeowners/insurance_quote.aspx">home insurance quote</a> now.<br /> <br />urn:uuid:b7f82d96-4ba6-4dc2-bb2a-13f967cde960<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/pet%20health%20insurance.jpg' align='left' />To most people, a family pet is a part of the family just as much as any other member. Pet owners today go to great lengths to be sure their pets are cared for, dressed well and treated like royalty. Toy dogs are the new must-have accessory and these...Wed, 18 Jan 2012 18:51:35 -0600To most people, a family pet is a part of the family just as much as any other member. Pet owners today go to great lengths to be sure their pets are cared for, dressed well and treated like royalty. Toy dogs are the new must-have accessory and these little puffs of fluff don&rsquo;t come cheap. <br /> <br /> <img title="Pet Health Insurance" alt="Pet Health Insurance" style="width: 250px; height: 250px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/pet%20health%20insurance.jpg" />Veterinary bills for a perfectly healthy pet are around $140 for a kitty or puppy and up to $350 for older pets. According to the American Pet Products Association, of the estimated $45.4 billion Americans spent on their pets in 2009, 27% of the total cost was expected to be devoted to veterinary care. Because of the increasing rates of veterinarians, some people are choosing to purchase Fido his own insurance policy. The American Veterinary Medical Association estimates that in 2007, 72 million dogs and nearly 82 million cats were kept as pets in the U.S. that is over 154 million pets, yet there were only 850,000 pet insurance policies in effect that year, according to the National Commission on Veterinary Economic Issues.<br /> <br /> Some people baulk at the idea of purchasing a health insurance for an animal, and insist that they simply would rather choose to euthanize than to treat an ailing animal, but when the time comes, and the family is in turmoil, the choice is much harder when it comes to your pet or your pocketbook. Pet insurance generally covers pets in case of accidents or illnesses as well as options for wellness care, much like your family health insurance plans. <br /> <br /> Just like your children, your pets are curious individuals who are just as susceptible to getting hurt or sick. Treating a broken leg can cost anywhere between $2,000 and $5,000, similar to a comparable hospital bill. In addition to accidents, cancer is now the leader cause of death in older dogs and 60% of dogs older than 6 years old will develop some form of cancer. Today, there are more lifesaving treatments available for pets, like surgery and chemotherapy, but they are also more expensive, which is why many are now considering pet insurance for their furry friends. <br /> <br /> Pet insurance might be worth looking into if you have a particularly susceptible dog breed, if you are passionate about your animals, or if you have young children who may be devastated by the death of the family pet. Pet insurance is definitely a better alternative than going into debt, even if he is man&rsquo;s best friend. <br /> <br /> If you think that pet insurance might be a good choice for your family, be sure to shop around to find a premium and a deductible you can live with. Ask about co-pays and caps, which may limit payouts by incident, year or the animal's lifetime and check with your state to be sure your pet insurers are registered with your state regulators.<br /> <br /> If pet insurance is not the best choice for you, follow some of these simple guidelines to keep your pet happy and healthy without breaking the bank: <br /> 1. Ask your vet about low-cost clinics for shots. <br /> 2. Ask for samples of the most popular medications. <br /> 3. Spend more money on pet good. Better-quality food can pay off in fewer health problems. <br /> 4. Keep your pets weight under control.<br /> 5. Don&rsquo;t let your pets roam the neighborhood. Always keep them indoors, in a fenced area, or on a leash.<br /> <br />urn:uuid:ce79852e-5b8b-471b-a15e-830b42d510df<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/surviving%20sticker%20shock%20when%20buying%20a%20new%20car.png' align='left' />Walk onto a new car lot today and you might be surprised to find that the average suggested retail price for a vehicle is nearly $30,000. That&rsquo;s a lot to swallow and is difficult for many buyers to afford. But there are things you can do to sav...Thu, 12 Jan 2012 11:48:07 -0600Walk onto a new car lot today and you might be surprised to find that the average suggested retail price for a vehicle is nearly $30,000. That&rsquo;s a lot to swallow and is difficult for many buyers to afford. But there are things you can do to save yourself money when purchasing a new vehicle.<br /> <ul> <li><img title="Surviving Sticker Shock When Buying A New Car" alt="Surviving Sticker Shock When Buying A New Car" style="width: 250px; height: 245px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/surviving%20sticker%20shock%20when%20buying%20a%20new%20car.png" />Knowing that new vehicles depreciate approximately 20 percent during the first year and up to 35 percent by five years, buyers should <a href="http://www.claudereynoldsinsurance.com/blog/Top_10_Used_Car_Buying_Tips.aspx" target="_blank">consider buying a used car</a> that is two or three years old. They save themselves that depreciation rate and still have a nearly new vehicle.</li> </ul> <ul> <li>Before you step foot onto the car lot, do some shopping online. Find out what vehicles on the market suit your needs; consider lower priced alternatives to some of the more popular models. Once you <a href="http://www.claudereynoldsinsurance.com/blog/How_to_Choose_the_Safest_Car_For_Your_Teenage_Driver.aspx" target="_blank">narrow down your choices</a>, educate yourself with that model&rsquo;s invoice price &ndash; the price the dealer paid for the car. This information is available at websites such as <a href="http://www.edmunds.com/" target="_blank">Edmunds.com</a>, <a href="http://www.cars.com/" target="_blank">cars.com</a> and <a href="http://www.carsdirect.com/" target="_blank">CarsDirect.com</a>. By comparing the invoice price to the car's sticker price (MSRP), on the lot you can see just how much room there is to negotiate. </li> </ul> <ul> <li>Always negotiate based on the price of the vehicle and the interest rate, not by the monthly payment. By extending the length of the loan, monthly payments can be manipulated to meet whatever the customer wants, but you may not realize the increased interest payments and you may even be over-charged for extras and special fees.</li> </ul> <ul> <li>Auto websites can also give provide information about cash-back rebates and manufacturer-to-dealer incentives, which are often passed along to buyers if you know what is available for you to negotiate with. Also, be wary of extended warranty programs. Many of these packages overlap the original manufacturer warranty and have terms that void the contract and do not offer a good value for the money.</li> </ul> <ul> <li>Shop around for financing before shopping for your car. Your local bank or credit union can regularly offer customers a better rate than a dealership can. Find out what your credit score is before you go shopping (you can get a free copy of your credit report each year). This information can help you negotiate a better interest rate on your car loan and also lets you know if you qualify for special advertized offers. Only those with a credit score about 720 will qualify for those zero percent loans. The <a href="http://www.claudereynoldsinsurance.com/blog/Will_My_Credit_Rating_Affect_My_Insurance_Rates.aspx" target="_blank">lower your credit score</a>, the higher your loan&rsquo;s interest rate will be. If your credit score is sagging, consider putting off your new car purchase until you can pump up your score.</li> </ul> <ul> <li>Getting the most from your current car can help you put more money toward your new car. So, should you trade your car in at the dealership or sell it yourself? Car dealerships take into account the cost of advertising and fixing up your car to resell it when considering what to offer you in a trade-in allowance. But with a little effort of your own, you can often sell your car through local online auctions or car trade papers for more than the value of the trade-in. Used car values are readily available at <a href="http://www.edmunds.com/" target="_blank">Edmunds.com</a> or <a href="http://www.kbb.com/" target="_blank">Kelley Blue Book</a>. </li> </ul> Have questions about your auto insurance policy? We're here to take care of all your Louisville auto insurance needs. Give us a call at (502) 933-2255 to speak to one of our agents or get a free, <a href="http://www.claudereynoldsinsurance.com/automobile/auto-insurance-quote.aspx" target="_blank">instant auto insurance quote</a> online from Claude Reynolds Insurance.<br /> <br />urn:uuid:3b5dfb68-6c56-4519-814b-2c9fd137253e<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/benefits%20of%20term%20life%20insurance.jpg' align='left' />Many insurance agents will tell you that the right type of life insurance can be described up in a single word: term. &nbsp; However, it is important to understand the differences of the options available to you before you make your decisions. The di...Tue, 10 Jan 2012 17:11:11 -0600Many insurance agents will tell you that the right type of life insurance can be described up in a single word: term.<br /> &nbsp;<br /> However, it is important to understand the <a href="http://www.claudereynoldsinsurance.com/blog/The_Different_Types_of_Life_Insurance_Explained.aspx" target="_blank">differences of the options available</a> to you before you make your decisions. The difference between term and permanent life insurance is similar to the difference between buying and leasing a car. Term insurance is like a lease, you purchase death benefits for a specified period --usually 5, 10 or 20 years. When the period is over, it's like turning in the leased car, your policy is up and you walk away or renew. Most term policies allow you to renew only up to a certain age, usually around 75 and then you are ineligible for coverage. <br /> <br /> <img title="Benefits Of Term Life Insurance" alt="Benefits Of Term Life Insurance" style="width: 250px; height: 166px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/benefits%20of%20term%20life%20insurance.jpg" />Permanent insurance, on the other hand, is like buying the car you plan to drive forever, it stays in force as long as you live and will pay out when you die, regardless of your age. <br /> <br /> Sounds simple, right? Not so fast. <br /> <br /> Permanent life insurance is a term policy combined with an investment or a savings component. The investment component might be stocks or bonds which can build cash value which you can borrow against while you&rsquo;re still living for things such as college or other expenses. Both policies require a monthly payment but permanent life insurance is generally more expensive and more risky.&nbsp; If you&rsquo;re interested in investing, it is generally best to not choose an insurance policy as an investment venture. These types of &ldquo;insurance investments usually come with high fees and higher commissions.<br /> &nbsp;<br /> Permanent Life Insurance options can be a good choice for individuals who plan to be in the policy for more than 10 years, are over the age of 40, or in situations where they are unable to get a term policy for various circumstances. In addition, some choose to use permanent life in their estate planning by setting up an insurance trust that will pay their estate taxes from the proceeds of the policy. On the other hand, people <a href="http://www.claudereynoldsinsurance.com/blog/How_Much_Are_You_Worth_-_8_Ways_to_Save_on_Life_Insurance.aspx" target="_blank">take advantage of the lower costs</a> of term insurance and take care of the savings and investment options in their own ways through separate savings accounts.<br /> &nbsp;<br /> An expert agent can tell you if your policy will ever <a href="http://www.claudereynoldsinsurance.com/blog/7_Life_Insurance_Tips_that_Insurance_Companies_Dont_Want_You_To_Know.aspx" target="_blank">become a decent investment</a>, but it is important to keep in mind if a permanent life insurance policy is really necessary. Although term life insurance generally becomes unavailable in your 70&rsquo;s, by that time you will most likely be retired and your spouse won&rsquo;t need insurance to replace your income and your children will be self-sufficient and living on their own. <br /> <br /> For these reasons, most people agree that term insurance is usually the best bet for people looking for <a href="http://www.claudereynoldsinsurance.com/blog/How_Much_Life_Insurance_Do_I_Need.aspx" target="_blank">basic insurance protection</a> to take care of their loved ones in the event they die prematurely. The exceptions to this rule may be parents who have a disabled child who will never be able to support himself even as an adult or a wealthy individual who expects to leave a large estate and uses the investment portion of their insurance to help their heirs pay the estate taxes due. <br /> <br /> Whether you choose term or permanent, it&rsquo;s worth it to talk about both options with your expert insurance agent to find the method that works best for you. <br /> <br /> If you have questions about <a href="http://www.claudereynoldsinsurance.com/life/louisville-life-insurance.aspx" target="_blank">Louisville life insurance</a>, the knowledgeable agents at Claude Reynolds Insurance are here to help you understand your options and choose the right type of life insurance for you.<br /> <br />urn:uuid:ee61c602-99aa-4c7a-a924-938f4e42d337<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/choosing%20a%20safe%20car%20for%20your%20teen.jpg' align='left' />Every 16-year old wants one thing: a car. But all parents want to do everything they can to make sure their kids are safe while they are on the road. While most parents might prefer their children to remain in the passenger seat, that simply isn&rsqu...Fri, 06 Jan 2012 09:29:35 -0600Every 16-year old wants one thing: a car. But all parents want to do everything they can to make sure their kids are safe while they are on the road. While most parents might prefer their children to remain in the passenger seat, that simply isn&rsquo;t going to happen forever.<br /> &nbsp;<br /> <img title="Choosing A Safe Car For Your Teen" alt="Choosing A Safe Car For Your Teen" style="width: 250px; height: 167px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/choosing%20a%20safe%20car%20for%20your%20teen.jpg" />It is not news that <a href="http://www.claudereynoldsinsurance.com/blog/Four_Common_Teen_Driving_Safety_Myths.aspx" target="_blank">teen drivers</a> are far more likely to have a fatal crash than adults. They are more likely to have single-vehicle crashes, rollovers and run-off-the-road crashes. This means that it is most important for teenagers to have a car with exceptional safety features. When it comes to safety, size, power and technology make all the difference. <br /> <br /> It may sound crazy. But because of the <a href="http://www.claudereynoldsinsurance.com/blog/Distraction_Free_Driving_It_Could_Save_Your_Life.aspx" target="_blank">risk associated with teen drivers</a>, they need to be driving the safest car, which often means the newest model. Anne McCartt, senior vice president for research at the Insurance Institute for Highway Safety (IIHS) said that parents should consider purchasing new vehicles for their teenagers because, &ldquo;&hellip;newer vehicles tend to be safer in terms of crashworthiness and they're more likely to have important safety equipment such as side airbags.&rdquo;<br /> <br /> This doesn&rsquo;t mean your new 16-year old needs a convertible or a Range Rover, but there are some key points to consider when choosing the <a href="http://www.claudereynoldsinsurance.com/blog/3_Essential_Tips_When_Buying_a_New_Car.aspx" target="_blank">best vehicle for your teen</a>: <br /> <br /> <strong>Size:</strong> Stay away from compact cars; opt for something slightly larger than a smallest model car. Former National Highway Traffic Safety Administration (NHTSA) chief Jeffrey Runge, a former emergency room physician, recommended vehicles weighing at least 3,300 pounds for teen drivers. Teens should not be outsized while on the road, but an SUV is not the answer. They can be harder to handle in emergency situations and don&rsquo;t handle abrupt movements well. <br /> <br /> <strong>Speed:</strong> Avoid high horsepower; a powerful engine is too much temptation for a new driver. Always choose the less-sporty version. Aim for a vehicle that accelerates from zero to 60 mph in eight to 11 seconds. Any faster is too risky, any slower in unsafe. <br /> <br /> <strong>Crash Testing:</strong> Look for a vehicle with as many airbags as you can find. Side airbags and side curtain airbags &mdash; which deploy down from the roof rail to protect the head &mdash; are best. Stability control is now mandatory on all passenger vehicles in 2012, which is a great feature to help teen drivers because it senses when the driver is losing control of the vehicle. <br /> <br /> While most parents seek out the cheapest <a href="http://www.claudereynoldsinsurance.com/blog/Top_10_Used_Car_Buying_Tips.aspx" target="_blank">used car</a> they can find for their teen driver, this is often a recipe of disaster. If you can&rsquo;t afford the safest car, choose the safest car you can afford.<br /> <br />urn:uuid:874477a4-df9d-439e-b4b0-bbfee94c4961<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/protect%20yourself%20with%20umbrella%20insurance.jpg' align='left' />Umbrella policies are one of the most valuable parts of your insurance plan, but what is it and how can you determine if you need one? Many people carry an umbrella policy without fully understanding the benefits and effects of their policy. In gen...Wed, 04 Jan 2012 14:54:03 -0600Umbrella policies are one of the most valuable parts of your insurance plan, but what is it and how can you determine if you need one? Many people carry an umbrella policy without fully understanding the benefits and effects of their policy. <br /> <br /> <img title="Protect Yourself With Umbrella Insurance" alt="Protect Yourself With Umbrella Insurance" style="width: 250px; height: 229px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/protect%20yourself%20with%20umbrella%20insurance.jpg" />In general, the more you have the more protection you need. This philosophy is true regarding most types of insurance. For example, the more earning power you have, the more <a href="http://www.claudereynoldsinsurance.com/blog/How_Much_Life_Insurance_Do_I_Need.aspx" target="_blank">life insurance</a> you need. The more cars you have, the more auto insurance you need and so on. The more you have to risk, the more you need to protect.<br /> &nbsp;<br /> If you add up everything you need to protect, (cars, homes, property, etc.) and that figure is in excess of one million dollars, you can purchase excess liability insurance, also known as an umbrella policy. This excess liability or umbrella policy is the additional protection you need for the worst case scenario. For example, your dog runs through a fence and bites a passing child in the face. That could mean not only medical bills, reconstructive surgery, more medical procedures as the child changes and grows and perhaps a lawsuit brought by the child&rsquo;s parents. Or perhaps you are <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/7_Steps_To_Take_If_Youre_In_An_Accident.aspx">involved in a car accident</a> where someone is paralyzed. If you are found at fault and the victim needs long-term care, your auto insurance won&rsquo;t enough to cover their healthcare costs. <br /> <br /> This type of coverage will protect you in the event that something goes horribly wrong, and these types of situations could take everything from you. Umbrella policies can go from one to five million dollars, which is well over what your current insurance policy would cover. If you&rsquo;re sued and you don&rsquo;t have the assets to pay the damages, plaintiffs can go after your income, and in some states, your retirement account. Umbrella insurance will cover this.<br /> <br /> Generally, a <a href="http://www.claudereynoldsinsurance.com/blog/How_Much_Insurance_Do_I_Need_On_My_Home.aspx" target="_blank">homeowner&rsquo;s insurance policy</a> will provide a minimum of $100,000 liability coverage when people are injured or property is damaged due to circumstances in which you or your family is responsible. Liability for auto insurance is around $25,000 per person and $50,000 per accident. While you can purchase higher liability rates for each of these individual policies, it is often still not enough protection, especially in today's lawsuit-hungry environment where million dollar judgments are fast becoming the rule rather than the exception, even for seemingly minor situations.<br /> <br /> When you have umbrella insurance, the underlying homeowners, or <a href="http://www.claudereynoldsinsurance.com/blog/5_Tips_To_Save_On_Auto_Insurance.aspx" target="_blank">auto policy</a> provides coverage for the first portion of a lawsuit or damages. After that coverage is exhausted, the umbrella policy picks up and continues to provide coverage. Simply put, umbrella policies are there for you on that rainy day when the terrible comes raining down. It is your peace of mind policy. <br /> <br /> To learn more about <a href="http://www.claudereynoldsinsurance.com" target="_blank">Louisville umbrella insurance</a>, ask the agents at Claude Reynolds Insurance! They can help you determine if an umbrella policy is right for you.<br /> <br />urn:uuid:b0ca3c96-059e-4e9c-9303-dcee35e61b5d<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/money%20saving%20new%20years%20resolutions.jpg' align='left' />Everyone has a few bad habits, everyone wants to save money and most people attempt a New Year&rsquo;s resolution each year. Here is a list of the top habits to bust this year which will give you more benefits than you might realize: 1. Get rid of t...Thu, 29 Dec 2011 10:57:06 -0600Everyone has a few bad habits, everyone wants to save money and most people attempt a New Year&rsquo;s resolution each year. Here is a list of the top habits to bust this year which will give you more benefits than you might realize:<br /> <br /> <img src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/money%20saving%20new%20years%20resolutions.jpg" style="width: 250px; height: 179px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" alt="New Years Resolutions That Will Save You Money" title="New Years Resolutions That Will Save You Money" /><strong>1. Get rid of the fast food.</strong> It might be easy and cheap, but once you compare it with the healthcare costs, obesity problems and additional risks, it is one of the most expensive and deadly habits. <br /> <br /> <strong>2. Stop worrying.</strong> Easier said than done, but taking steps to reduce anxiety and stress can change your life drastically. Untreated anxiety disorders cost the US economy about $42 million every year.<br /> <br /> <strong>3. Go to the doctor and the dentist.</strong> Untreated dental and medical problems only makes them worse leading to higher expenses and more complicated to treat.<br /> <br /> <strong>4. Limit or eliminate alcohol.</strong> The liquor bill at the bar is only the initial expense of drinking. When you add in the medical bills, insurance, and even DWI charges, it is a bad habit that can be extremely costly. <br /> <br /> <strong>5. Limit salt intake.</strong> Simply taste your food before you salt it. Think twice about picking up the salt. A high sodium diet can lead to heart failure, additional medical costs and an increase in insurance. &nbsp;<br /> <br /> <strong>6. Go to sleep.</strong> Living on less sleep is a stepping stone for various health problems including obesity, anxiety, and higher health costs.<br /> <br /> <strong>7. Stick to the speed limits.</strong> According to Fueleconomy.gov estimates that <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Are_You_a_Fuel_Efficient_Driver.aspx">speeding can cost you</a> additional $0.20 per gallon for gas when you combine the lack of fuel economy with a possible accident, speeding ticket and insurance increase. <br /> <br /> <strong>8. Turn off the lights.</strong> Leaving just one <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/4_Simple_Tips_To_Lower_Your_Energy_Bill.aspx">light bulb on</a> for an extra 12 hours a day can cost $3.50 a month, or $40 every year.<br /> <br /> <strong>9. Vacuum at least once a week.</strong> Vacuuming picks up dirt, hair and dust off of your floor. Daily allergy pills can cost you $250/year.<br /> <br /> <strong>10. Clean your bathroom.</strong> The bathroom holds the most bacteria of any room in the house, and a dirty bathroom is more likely to cause your family members to be sick more often.<br /> <br /> <strong>Bonus: Review your insurance policies.</strong>&nbsp; Evaluating insurance policies can save you money and ensure that you have the necessary coverage you need. Talk with your <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Why_Choose_an_Independent_Agent.aspx">local insurance agent</a> or give the agents at Claude Reynolds Insurance a call (502) 933-2255 and find out how much you can save on <a target="_blank" href="http://www.claudereynoldsinsurance.com">insurance in Louisville</a>.<br /> <br />urn:uuid:f593b7e1-e593-4050-992f-f9d281fd6a70<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/how%20much%20home%20insurance%20do%20i%20need.jpg' align='left' />One of the most important issues concerning homeowner&rsquo;s insurance is getting the right amount of coverage. You might have a really good policy in all other aspects but an inadequate level of coverage will cause you problems if you have a claim....Tue, 27 Dec 2011 13:59:12 -0600One of the most important issues concerning <a href="http://www.claudereynoldsinsurance.com/blog/First_Time_Home_Insurance_Buyers_Guide.aspx" target="_blank">homeowner&rsquo;s insurance</a> is getting the right amount of coverage. You might have a really good policy in all other aspects but an inadequate level of coverage will cause you problems if you have a claim. <br /> <br /> <img title="How Much Insurance Do I Need For My Home" alt="How Much Insurance Do I Need For My Home" style="width: 250px; height: 167px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/how%20much%20home%20insurance%20do%20i%20need.jpg" />So how much do you need to insure your home for? Let&rsquo;s look at the two most common types of <a href="http://www.claudereynoldsinsurance.com/homeowners/louisville-home-insurance.aspx" target="_blank">home insurance</a> around; for the building and for the contents.<br /> <br /> <strong>Building Insurance</strong><br /> <br /> If you have a mortgage then the lender will have made sure that you took this out at the time you bought the property. The most common mistake which people make with this coverage is to assume that it needs to be for the market value of the property. This is not the case, and using this as the basis for your insurance is a big mistake. <br /> <br /> What you need to cover your property for is the cost of completely rebuilding it in the case of it <a href="http://www.claudereynoldsinsurance.com/blog/7_Ways_to_Prevent_Home_Fires.aspx">being destroyed</a>. This figure is generally advised by a surveyor and should be on the real estate appraisal report. It doesn&rsquo;t include the cost of the land the home is built on but it could still be either higher or lower than the market value. <br /> <br /> If you carry out any major alteration such as adding an extension then it makes sense to get this figure updated by a surveyor and change your insurance accordingly.&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;<br /> <br /> <strong>Contents Insurance</strong><br /> <br /> This is the coverage for all of your possessions and on the face of it is easier to work out. However, as well as adding up the price of everything you have in the house there are some other factors to take into account. <br /> <br /> For example, you should check whether the insurer needs separate details of any particularly valuable items such as jewelry. You should also make sure that your <a href="http://www.claudereynoldsinsurance.com/blog/Homeowners_Insurance_5_Things_To_Consider_Before_Purchasing_Your_Policy.aspx" target="_blank">homeowner's policy covers</a> you on a &ldquo;new for old&rdquo; basis, as this means that you get the money for buying a replacement item rather than the current value of the ruined goods. If this is the case then your calculations need to take into account the market value of the contents.<br /> <br /> The final point to bear in mind is that of goods you take outside the home. Some policies cover this, and you might need to advise the company of the likes of laptops and expensive cell phones you use away from the property.<br /> <br />urn:uuid:e11b1b03-a7f7-4dd8-a5cc-2f630b2ce15c<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/winterizing%20your%20home.jpg' align='left' />In addition to pulling out the cozy blankets, getting your flu shot and turning on the furnace, there are multiple projects you can do to prepare your home for the winter from the inside out. Unless you live in Hawaii, (which is the only state that h...Fri, 23 Dec 2011 11:26:23 -0600In addition to pulling out the cozy blankets, getting your flu shot and turning on the furnace, there are multiple projects you can do to prepare your home for the winter from the inside out. Unless you live in Hawaii, (which is the only state that has never dipped below zero), it&rsquo;s probably a good idea to <a href="http://www.claudereynoldsinsurance.com/blog/10_Tips_To_Winterize_Your_Home.aspx" target="_blank">give your house a winter check-up</a>. &nbsp;<br /> <br /> <strong><img title="Winterizing Your Home" alt="Winterizing Your Home" style="width: 250px; height: 188px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/winterizing%20your%20home.jpg" />Furnace Inspection:</strong> You can either call an HVAC professional to inspect your furnace and clean ducts or you can do this yourself. Be sure to clean up around the furnace, remove any flammable material and stock up on filters. <br /> &nbsp;<br /> <strong>Fireplace:</strong> Time to clean out the chimney, stock up on firewood and be sure you have a fireplace screen if you have little ones around the house. &nbsp;<br /> <br /> <strong>Check the Exterior, Doors and Windows:</strong> Walk around the inside and outside of your house and inspect windows and doors for cracks and cold air seeping through.&nbsp; Replace, seal or repair anything you find. &nbsp;<br /> <br /> <strong>Gutters and Window Wells:</strong> Clean out the gutters of fallen leaves and debris. Clean out window wells as well, and perhaps consider installing plastic covers on your window wells and leaf guards on the gutters. Check your gutter downspouts to be sure they won&rsquo;t create icy patches on your walkways or driveways.<br /> <br /> <strong>Service Equipment:</strong> Drain the gas from your lawnmowers, tune up the snow blower. Put away the rakes and pull out the snow shovels. Drain all garden hoses, and stock up on bags of ice melt. <br /> &nbsp;<br /> <strong>Check your foundation:</strong> Small mice are going to look for a home this winter, and cracks in your foundation will make you a welcome host. Rake away all debris from the foundation and seal up any cracks.<br /> <br /> <strong>Prepare Landscaping:</strong> Trim trees of branches that might be too close to the house or electrical wires. Move outdoor pots and furniture inside. <br /> <br /> <strong>Gather an Emergency Kit:</strong> Be sure you have plenty of indoor candles and matches, battery back-up, store extra bottled water and non-perishable food supplies (including pet food, if you have a pet), in an easy-to-access location.<br /> <br /> <strong>Reverse your fan:</strong> Reversing your ceiling fan is a something that most people overlook. By reversing its direction, the fan will push warm air down, keeping you warmer and your furnace less stressed. Your fan should be turning clockwise in the winter, and counter-clockwise in the summer.<br /> &nbsp;<br /> Old man winter will be here before you know it. Do what you can to plan ahead so he doesn&rsquo;t catch you unprepared.<br /> <br /> To learn more about <a href="http://www.claudereynoldsinsurance.com/homeowners/louisville-home-insurance.aspx" target="_blank">Louisville home insurance</a>, ask the agents at Claude Reynolds Insurance! They will make sure you have the right homeowners insurance policy for your situation.<br /> <br />urn:uuid:c322d74b-e55f-441b-9313-6b5c6acd1512<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/holiday%20travel%20tips.jpg' align='left' />With the holiday travel season fast approaching, it&rsquo;s important to know how to protect yourself against common travel problems that can turn your Christmas cheer into a nightmare, not to mention add more expenses to an already budget-breaking s...Tue, 20 Dec 2011 12:55:32 -0600With the holiday travel season fast approaching, it&rsquo;s important to know how to <a href="http://www.claudereynoldsinsurance.com/blog/10_Ways_to_Make_Your_Next_Family_Road_Trip_the_Best_Ever.aspx" target="_blank">protect yourself against common travel problems</a> that can turn your Christmas cheer into a nightmare, not to mention add more expenses to an already budget-breaking season. <br /> <br /> Here's a handy guide to help you stay clear of common travel problems:<br /> <ul> <li> <img title="Holiday Travel Tips" alt="Holiday Travel Tips" style="width: 250px; height: 298px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/holiday%20travel%20tips.jpg" />Make a list of what you are packing; keep this list in your carry-on luggage. You can use this list if you lose your baggage to let you know if anything is missing, and you can double check the list before checking out of your hotel to be sure you didn&rsquo;t leave anything behind. </li> <br /> <li> Always carry money, ID, valuable and important documents credit cards and driver's license with you. Never pack your jewelry, wallet, keys, medications and cameras in your checked baggage. </li> <br /> <li> When you check in, double check the claim checks and destination tags the attendant puts on your bags. Be sure that the destination tag is labeled with your final destination, not your layover destination. </li> <br /> <li> Always pack a change of clothes and basic toiletry items in your carry-on bag. </li> <br /> <li> Be sure your bags have a comprehensive and complete ID tag. This tag should include your name, telephone number and even your email address clearly marked both inside and outside. </li> <br /> <li> Be prepared to wait. Winter weather is unpredictable, and can upset your travel plans. Never travel the day of a holiday party or get together, give yourself at least one full day (preferably two days) to get where you&rsquo;re going so you&rsquo;re not stressed out if your flight is delayed. </li> <br /> <li> Be sure to get a flu shot, carry hand sanitizer and drink plenty of water while traveling. Germs are everywhere in airports, buses, and truck stops. Protect yourself so you don&rsquo;t have to spend the holidays with the flu.</li> <br /> <li> Scan in your passport and email a copy of it to yourself. That way, if your passport or ID gets lost, you can open up your email, print off a copy, and the security guards can look it up by the number. &nbsp;</li> <br /> <li> Pack light. If you&rsquo;re traveling to see family for the holidays, lighten your load by giving gift cards, cash, or scheduling shopping time in after you are in town. </li> </ul> Whenever you travel by air, land or sea, be sure to adequately prepare and use common sense to prevent a loss. Always double check your traveler&rsquo;s insurance, medical and auto policy before heading out. If you have questions or concerns about your current <a target="_blank" href="http://www.claudereynoldsinsurance.com">Louisville insurance policies</a>, our knowledgeable agents at Claude Reynolds Insurance are always here to help. And most of all, enjoy your trip.<br /> <br />urn:uuid:6fbb306d-dc63-4fb6-9012-e19487e55d53<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/filing%20a%20car%20insurance%20claim.jpg' align='left' />Car insurance is your protection against accidents and you should not hesitate to use it when the need arises. Some people shy away from filing a claim because they fear this would increase their premiums. However, with the right knowledge, your car ...Thu, 15 Dec 2011 13:03:27 -0600Car insurance is your protection against accidents and you should not hesitate to use it when the need arises. Some people shy away from filing a claim because they fear this would increase their premiums. However, with the right knowledge, your car insurance can save you from <a href="http://www.claudereynoldsinsurance.com/blog/Keys_to_Getting_Your_Insurance_Claim_Approved.aspx" target="_blank">covering the costs of damages</a> sustained by your car during an accident. <br /> <br /> <img src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/filing%20a%20car%20insurance%20claim.jpg" style="width: 250px; height: 188px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" alt="Filing An Auto Insurance Claim" title="Filing An Auto Insurance Claim" />When you get <a href="http://www.claudereynoldsinsurance.com/blog/7_Steps_To_Take_If_Youre_In_An_Accident.aspx" target="_blank">involved in an accident</a>, the insurance company will assign an adjuster who will evaluate the whole thing. Based on what your claim has specified, he will pore through your case, and maybe even talk to the other party involved if there is one. He will also study the police report and assess the damages obtained by all cars involved in the accident. When the necessary evaluation is completed and everything has been clarified, you will get paid for the repairs needed by your car. <br /> <br /> However, if it is established that you have <a href="http://www.claudereynoldsinsurance.com/blog/Distraction_Free_Driving_It_Could_Save_Your_Life.aspx" target="_blank">caused the accident to occur</a>, you may have to pay an increased premium or the insurance company can choose to cancel your policy altogether. This is why you need to be aware of your insurer&rsquo;s guidelines when it comes to cancellation and non-renewal. If you have been a policy owner for more than 60 days and you have diligently paid your premium, you should know that your policy cannot be cancelled. But if you have intentionally filed wrong information in your insurance application or that your driver&rsquo;s licensed has been compromised, the insurance company has every right to cancel your policy. They can also choose not to renew your policy once the term expires. <br /> <br /> It is very important to inquire about penalties <a href="http://www.claudereynoldsinsurance.com/blog/Insurance_Claims_for_Windshield_Cracks_To_Submit_or_Not_to_Submit.aspx" target="_blank">before filing an insurance claim</a>. It is even better to know this even before purchasing your insurance. This way, you know what to prepare for in the event that you get into an accident. If you already have an insurer, review your contract to get more information about their renewal guidelines. Also, when choosing an insurance company, it helps to refer to consumer reviews to know if the company gives excellent services or not. <br /> <br /> Overall, filing a car insurance claim is a simple process. Most companies are lenient with their guidelines and consumers are usually given two chances of at-fault accidents over a period of time before they lose their coverage. However, there are certain circumstances when a loss of coverage is very likely even when the accident is considered minor. Situations like drunk driving and too many traffic tickets are prime examples of this. Even so, you should not think twice about using your insurance to have your damages covered. If any problem occurs, <a href="http://www.claudereynoldsinsurance.com/blog/Why_Choose_an_Independent_Agent.aspx" target="_blank">contact your agent</a> so he can assist you in smoothing out certain issues.<br /> <br />urn:uuid:8f4df1ca-1617-45e6-b6d2-c39e83300c44With the average temperature in the United States dropping this month, drivers need to prepare themselves, and their vehicles for winter driving. There are many ways to prepare for Mr. Jack Frost, most of them requiring only a little awareness and a ...Tue, 13 Dec 2011 13:49:09 -0600With the average temperature in the United States dropping this month, drivers need to prepare themselves, and their vehicles for winter driving. There are many ways to prepare for Mr. Jack Frost, most of them requiring only a little awareness and a little effort.<br /> <br /> <strong><img title="Preparing Your Car For Winter" alt="Preparing Your Car For Winter" style="width: 250px; height: 167px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/preparing%20your%20car%20for%20winter.PNG" />1. There&rsquo;s an App for That.</strong> Like everything else these days, there are dozens of apps to help drivers find the best weather tips, updates and warnings near them. If you have a smart phone, search by city or zip code for a list of apps in your area. <a href="http://www.weather.com" target="_blank">Weather.com</a>, local channels or regional maps are a great please to start. Keep your phone charged at all times, so you can refer back when needed (being sure to pull over before checking your phone.) <br /> <br /> <strong>2. Time for a Tune-Up.</strong> It&rsquo;s a good idea to bring your car in for a check-up before the winter season. Just like you&rsquo;d bring your family in for flu shots, you need to bring your car in for a tune-up. Your <a href="http://www.claudereynoldsinsurance.com/blog/Keys_to_Finding_a_Trustworthy_Car_Mechanic.aspx" target="_blank">local mechanic</a> can check the ignition, brakes, hoses, wiring, air, vents, battery and tires to be sure you are in tip-top shape for the roads ahead. <br /> <br /> <strong>3. Slow down and backup.</strong> If it&rsquo;s cold out, there is probably <a href="http://www.claudereynoldsinsurance.com/blog/Tips_for_driving_on_ice_covered_roads.aspx" target="_blank">ice on the roads</a> and most likely, you can&rsquo;t see it. Always drive slower than you think and stay far behind other vehicles. Even if you have a spot-free record, other drivers do not and you don&rsquo;t want to end up too close to an accident right in front of you. <br /> <br /> <strong>4. Pack it Up.</strong> It&rsquo;s always a good idea to keep a few basic supplies in your car. In the winter, this becomes more crucial. Always back a toolkit, chains, flashlights, blankets, a shovel and food in your car during the winter months<br /> <br /> <strong>5. Clean inside and out.</strong> Most vehicles pack a lot of dirt through the summer months and it&rsquo;s important to clean that off before the snow hits. Salt and snowy slush love to stick to existing dirt on your car, so be sure your spick and span before the first snowfall. Winter is a good time to give the inside of your car a deep clean, it&rsquo;s much nicer to do this before the temperature falls to below freezing. <br /> <br /> <strong>6. Wiper and Tires.</strong> These are the two most important investments in winter driving. Be sure you have a good pair of wipers, they need to be strong, sturdy and not leave any missed spots or streaking. Review your tires and be sure you have a good strong tread. You will definitely regret not making the investment when you start spinning down the streets of your neighborhood. <br /> <br /> Being willing to make a few adjustments in your driving habits may be just the ticket to saving unnecessary headaches or possible tragedies this winter.<br /> <br /> To learn more about how to protect your vehicle with <a href="http://www.claudereynoldsinsurance.com/automobile/louisville-auto-insurance.aspx" target="_blank">Louisville auto insurance</a>, ask the agents at Claude Reynolds Insurance!<br /> <br />urn:uuid:ea7cfeb6-0629-4619-a29d-4c8884dd1884<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/tips%20to%20save%20on%20car%20insurance.jpg' align='left' />The cost of owning a vehicle continues to go up each year. With gas prices at an all time high, and maintenance costs also at a record level, keeping your vehicle on the road is not as easy as once was the case. One area in which there is still some ...Tue, 06 Dec 2011 14:40:03 -0600The cost of owning a vehicle continues to go up each year. With <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/5_Ways_To_Reduce_Your_Cars_Fuel_Consumption_%28And_Save_You_Money%29.aspx">gas prices at an all time high</a>, and maintenance costs also at a record level, keeping your vehicle on the road is not as easy as once was the case. One area in which there is still some room to save money is auto insurance. By shopping around and understanding how insurers calculate quotes, there is the possibility of making substantial savings.<br /> <br /> <img src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/tips%20to%20save%20on%20car%20insurance.jpg" style="width: 250px; height: 175px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" alt="Tips For Saving On Car Insurance" title="Tips For Saving On Car Insurance" /><strong>1. Periodically check for lower rates</strong><br /> <br /> To start with, you should understand that just because you got a good deal last year does not automatically mean that the same insurer is still the cheapest option today. If the time has come to <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/5_Reasons_To_Evaluate_Your_Car_Insurance_Policy_Each_Year.aspx">renew your policy</a>, it is certainly worth checking out what types of deals are available from a number of different firms. Do not just focus your search on the most well known companies, lesser known insurers can often provide attractive quotes.<br /> <br /> <strong>2. Consider online only insurance companies</strong><br /> <br /> When searching for a low cost policy, you may discover that those firms that operate solely online are able to give a better deal than firms that maintain a string of offices across the country. The primary reason behind this difference in cost is that an online insurer would have lower overheads than a firm with a physical presence, and can therefore pass on savings to customers. The downside of using a company based solely in the online realm is that the service which is given may not be so personalized.<br /> <br /> <strong>3. Add features that lower your risk</strong><br /> <br /> It is possible to bring down the <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Top_5_Car_Insurance_Mistakes_to_Avoid.aspx">cost of your next policy</a> by taking steps to ensure your vehicle is as secure as possible at all times. This relates to both when in use and when parked. If you were to install the latest security features, such as a GPS tracker or an engine immobilizer, the chance of the vehicle being stolen would greatly decrease. This would lower the risk to the insurance company which would help lower your rate.<br /> <br /> <strong>4. Find the companies that cater to your situation</strong><br /> <br /> If you have only <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Young_Drivers_Guide_to_Saving_Money_on_Auto_Insurance.aspx">recently acquired your drivers permit</a>, being offered a low cost quote may seem more of a challenge than passing your test. In such a situation, it is important to find an insurer who will not discriminate against your lack of experience. By doing some research you can choose a firm that will be happy to provide you with the legally required coverage, and for an affordable price. <br /> <br /> <strong>5. Save by paying your policy in full</strong><br /> <br /> It is normally cheaper to pay your premium upfront for a yearly policy than to request to make payments on a monthly basis. If you have the funds, this is another option that can save you money in the long run. <br /> <br /> Let us shop for you! As an <a target="_blank" href="http://www.claudereynoldsinsurance.com">Independent Insurance Agency</a> we represent some of the top insurance companies and can compare rates and coverages with each of these companies to ensure you get the best value on your car insurance. Or get a free instant <a target="_blank" href="http://www.claudereynoldsinsurance.com/automobile/auto-insurance-quote.aspx">Louisville auto insurance quote</a> right now. In less than 5 minutes, you can compare rates from multiple auto insurance carriers and choose the best policy with the right coverages to meet your needs.<br /> <br />urn:uuid:534a106c-5cb1-436c-9103-151c64ba5784<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/preventing%20road%20rage.jpg' align='left' />Road rage affects all drivers from all different areas. While it is most common in urban areas, road rage can affect everyone from time to time and unfortunately, it is becoming a highway epidemic. &nbsp; The term &ldquo;road rage&rdquo; originated ...Tue, 06 Dec 2011 14:15:47 -0600Road rage affects all drivers from all different areas. While it is most common in urban areas, road rage can affect everyone from time to time and unfortunately, it is becoming a highway epidemic. &nbsp;<br /> <br /> <img title="Preventing Road Rage" alt="Preventing Road Rage" style="width: 250px; height: 166px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/preventing%20road%20rage.jpg" />The term &ldquo;road rage&rdquo; originated in the 1980s from a television station in California who were reporting on a slew of freeway shootings caused by angry drivers. Today, the term is used to describe anger or violence associated with driving. In the United States, over 300 cases of road rage have resulted in serious injuries or fatalities. <br /> <br /> Do you suffer from road rage? Here are the common symptoms: <br /> <br /> 1. Aggressive driving, <a href="http://www.claudereynoldsinsurance.com/blog/5_Ways_To_Reduce_Your_Cars_Fuel_Consumption_%28And_Save_You_Money%29.aspx" target="_blank">accelerating or breaking quickly</a>. <br /> 2. Tailgating<br /> 3. Cutting others off<br /> 4. Using your horn excessively<br /> 5. An emotional reaction to other drivers<br /> 6. Rude gestures to other drivers<br /> 7. Yelling or threatening other drivers<br /> 8. Throwing objects from your vehicle<br /> <br /> The first step to preventing road rage is to prepare yourself, avoid stressful driving situations and avoid altercations with other motorists. Other things you can do to avoid being a target, or perpetrator of road rage: <br /> <br /> DO...<br /> <br /> 1. Move over to allow tailgaters to pass, or pass vehicles rather than tailgating them.<br /> 2. Don&rsquo;t be late and allow plenty of time for <a href="http://www.claudereynoldsinsurance.com/blog/10_Ways_to_Make_Your_Next_Family_Road_Trip_the_Best_Ever.aspx" target="_blank">your travel plans</a>. <br /> 3. Ignore other inconsiderate drivers.<br /> 4. Play soothing music, books on tape, or comedy CD&rsquo;s while driving long distances. &nbsp;<br /> 5. Always remember to be courteous. <br /> 6. Contact police with a description of the vehicle, license number and driver if you are confronted with road rage. <br /> <br /> DO NOT.....<br /> <br /> 1. Flash your lights or honk your horn at other drivers. <br /> 2. Force your way into traffic. &nbsp;<br /> 3. Insist on the right of way if challenged by another driver.<br /> 4. Never make hand gestures or show aggravation with other drivers. <br /> 5. Do not attempt to intimidate other drivers by using aggressive techniques.<br /> <br />urn:uuid:a011b342-14f3-448e-96e3-7e63a14f8a14<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/how%20to%20winterize%20your%20home.jpg' align='left' />Winter and its frosty windowpanes and icy winds are just around the corner. Now, while the weather is still pleasant, is the time to protect your home against high energy bills and cold, drafty nights. 1. Drafty doors and windows can waste as much ...Tue, 29 Nov 2011 17:59:59 -0600Winter and its frosty windowpanes and icy winds are just around the corner. Now, while the weather is still pleasant, is the time to <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/4_Simple_Tips_To_Lower_Your_Energy_Bill.aspx">protect your home against high energy bills</a> and cold, drafty nights. <br /> <br /> <img title="How To Winterize Your Home" alt="How To Winterize Your Home" style="width: 250px; height: 168px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/how%20to%20winterize%20your%20home.jpg" />1. Drafty doors and windows can waste as much as 30% of your energy. Avoid cold drafts by checking the weather stripping around your doors and replacing as necessary; caulk around windows. A trick to find drafts is to move a lighted incense stick around doors and windows. Where the smoke wavers, air is escaping. <br /> <br /> 2. Clean Heater Filters monthly. Filters can trap dirt and debris and keep your furnace running more efficiently.&nbsp; A permanent electrostatic filter is a great investment, catching 88% of dirt and is much more efficient at controlling bacteria, mold, viruses and pollens. HEPA filters are another excellent investment. Though they cost several hundred dollars, they can remove at least 99.97% of airborne particles. <br /> <br /> 3. Winterize your air conditioning. Drain any hoses and pipes, making sure there is no excess water pooled in the equipment. If your air conditioner has a water shutoff valve, turn that off. Store drained hoses in a safe place; turn off any exterior water spigots. Remove window air conditioning units and store them carefully for next summer.<br /> <br /> 4. Check doors and windows for broken glass or cracks. Change summer screens and install storm doors and windows. Storm doors can increase energy efficiency by 45%. <br /> <br /> 5. Give your heating system a tune-up. Check with your local utility company as many of them offer free annual checkups by qualified technicians. <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Protecting_Your_Family_from_the_Hazards_of_Carbon_Monoxide.aspx">Furnaces need to be cleaned</a>, lubricated and adjusted each year. <br /> <br /> 6. Insulate your windows. If you don&rsquo;t have storm windows, you can install window insulation kits found in your local hardware store. This tightly fitted plastic can increase the still air to hold heat and protect against drafts.<br /> <br /> 7. Increase your R Value. The insulation in your attic (rated as R-15, etc) is one of the best ways to save money and increase your energy efficiency. Recent government programs and incentives may allow you to increase your attic insulation for little or no cost to you. Call an Insulation Contractor in your area for more information.<br /> <br /> 8. Heat escapes from uninsulated pipes and sometimes these <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Will_My_Homeowners_Insurance_Cover_Water_Damage.aspx">pipes can freeze</a>. If your hot water pipes are warm to the touch, they could benefit from insulation. Many home improvement and hardware stores sell pre-cut pipe foam which you can fasten with duct tape. <br /> <br /> 9. If you have a fireplace, now is the time to prepare it for winter use. Hire a professional chimney sweep to remove soot and creosote which builds up in the chimney and creates a <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/7_Ways_to_Prevent_Home_Fires.aspx">dangerous fire hazard</a>. Place a screen or cap on top of the chimney to keep out rodents and birds. <br /> <br /> 10. Inspect roof for worn shingles or tiles and replace or repair as needed. Clean out rain gutters and downspouts and repair any damaged areas. Leaf guards installed over gutters can protect against leaf buildup throughout the year.<br /> <br /> Taking a little time now to protect your home will save you money in energy bills and make your home a more comfortable place during the cold winter months ahead.<br /> <br />urn:uuid:e9f6a2d6-6e0c-4ec2-8d5e-57f35a1d2f0a<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/tips%20for%20buying%20a%20used%20car.jpg' align='left' />A used car is ideal if it&rsquo;s the first car that your child will be driving or if you&rsquo;re only looking for an &ldquo;emergency&rdquo; vehicle for your family. Unlike with brand new cars, wherein they&rsquo;re guaranteed to be in complete wor...Fri, 25 Nov 2011 14:08:36 -0600A used car is ideal if it&rsquo;s the first car that your child will be driving or if you&rsquo;re only looking for an &ldquo;emergency&rdquo; vehicle for your family. Unlike with <a href="http://www.claudereynoldsinsurance.com/blog/3_Essential_Tips_When_Buying_a_New_Car.aspx" target="_blank">brand new cars</a>, wherein they&rsquo;re guaranteed to be in complete working order, buying used cars can be a hit-or-miss process. <br /> <br /> <img title="Used Car Buying Tips" alt="Used Car Buying Tips" style="width: 250px; height: 179px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/tips%20for%20buying%20a%20used%20car.jpg" />There are also benefits of buying a used car. 1. You can often get a car that's almost as good as a brand new vehicle without paying the new car price. Cars that are only a year old can be 20-30 percent cheaper than the brand new version. 2. You'll <a href="http://www.claudereynoldsinsurance.com/blog/A_Parents_Guide_to_Cheaper_Teen_Car_Insurance_Rates.aspx" target="_blank">save money on insurance</a>. 3. Today, the history of a used car can easily be traced using the vehicle identification number (VIN).<br /> <br /> Even with all these benefits you still need to exercise the greatest care when shopping for a used car. Hopefully, the tips below can help you make the right decision in the end.<br /> <br /> <strong>Tip #1: Find the right car for you.</strong><br /> <br /> You want to find a car that fits your needs. If you have a growing family you will obviously want a larger car or minivan. Or if your job or hobby requires that your vehicle has plenty of storage space, you will need a vehicle that fits these requirements. If you're not sure what type of car you are looking for try <a href="http://www.edmunds.com/car-match" target="_blank">http://www.edmunds.com/car-match</a> to help you decide.<br /> <br /> <strong>Tip #2: Research the car.</strong><br /> <br /> Do a little research to check its reliability and consumer reviews. You don't want to purchase a model that has a history of recalls or maintenance problems. You might also want to find out the average cost of maintenance and the cost to insure the car.<br /> <br /> <strong>Tip #3: Make sure you know the car's real value.</strong><br /> <br /> You should already have an idea of how much you can afford to spend so you don't want to waste your time looking at cars that are out of your price range. You can find the value of used cars at site's like <a href="http://www.kbb.com" target="_blank">http://www.kbb.com</a>.<br /> <br /> <strong>Tip #4: Consider mileage.</strong><br /> <br /> This will let you know just how &ldquo;used&rdquo; the vehicle is. Keep in mind, however, that odometers can be tampered with. If you are buying a 1992 model and yet the odometer shows that it has only run 5,000 miles, something fishy is probably going on. On the other hand, if the car is only a few years old, but has 50,000 miles on it you know that's not as new as it may seem.<br /> <br /> <strong>Tip #5: Is the vehicle sold &ldquo;as is&rdquo; or does it come with a warranty for repair or some other service?</strong><br /> <br /> Dealers or any person selling a used car must be very clear about the condition of the vehicle they&rsquo;re selling. If they promise to repair the car or perform a specified service as part of your purchase, make sure that you get it in writing.<br /> <br /> <strong>Tip #6: Verify the vehicle&rsquo;s history.</strong><br /> <br /> Ask the dealer or owner about the car&rsquo;s history. Most would try to conceal from prospective buyers about any previous accidents that the vehicle was involved with so you may have to check and verify facts on your own. You can get a vehicle history report at <a href="http://www.carfax.com" target="_blank">http://www.carfax.com</a>.<br /> <br /> <strong>Tip #7: Make sure you test drive the vehicle.</strong><br /> <br /> This may seem obvious, but you want to not only make sure that the car runs well, you want to make sure that it's a good fit for you. Test everything you can on the vehicle, the radio, air conditioning, heater, even the windshield wipers. You want to make sure the vehicle is in good working condition. You also want to give the outside of the car a careful inspection. Check the car for any dents, dings and scratches that could influence the price.<br /> <br /> <strong>Tip #8: Take the car to a mechanic if it is not certified by the manufacturer.</strong><br /> <br /> If possible, have a <a href="http://www.claudereynoldsinsurance.com/blog/Keys_to_Finding_a_Trustworthy_Car_Mechanic.aspx" target="_blank">professional mechanic inspect the vehicle</a>. They can easily tell you if the vehicle is in good condition or if it has suffered any damage such as an accident or flood damage in the past.&nbsp; &nbsp;<br /> <br /> <strong>Tip #9: Are there any add-ons?</strong><br /> <br /> Add-ons can be anything from free seat covers to discounted rims. Dealers rarely offer them but private car owners usually do so if they want to expedite the sale. <br /> <br /> <strong>Tip #10: Negotiate the best deal.</strong><br /> <br /> Especially when you are dealing with private parties, you don't want to just go with their initial price. You're not trying to rip anyone off, but you want to get the best deal you can. Most will come down from their asking price if you show resistance.<br /> <br /> Call us today at (502) 933-2255 or get a free instant Louisville auto insurance quote to be sure you're getting the best deal on your car insurance. <br /> <br />urn:uuid:86c1ebcd-32ea-4075-ae44-4a0eed890b80<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/recreational%20insurance%20coverage.jpg' align='left' />If your weekend fun involves a recreational vehicle (RV), an all-terrain vehicle (ATV), snowmobiles, a boat, a golf cart, a motorcycle, or even a backyard pool, you should consider the possibility of an accident and how to protect yourself before it ...Tue, 22 Nov 2011 13:38:49 -0600If your weekend fun involves a recreational vehicle (RV), an all-terrain vehicle (ATV), snowmobiles, a boat, a golf cart, a motorcycle, or even a backyard pool, you should consider the possibility of an accident and how to protect yourself before it happens.<br /> <br /> <strong><img src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/recreational%20insurance%20coverage.jpg" style="width: 250px; height: 188px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" alt="Louisville Recreational Insurance" title="Louisville Recreational Insurance" />DO I NEED INSURANCE? </strong><br /> <br /> When deciding on insurance for your toys, consider the following: <br /> <br /> <strong>How much are you using it?</strong>&nbsp; For example, if you are often going on long motorcycle trips away from home, or you take your boat out for days at a time, you&rsquo;re more likely <a href="http://www.claudereynoldsinsurance.com/blog/Motorcycle_Safety_-_6_Tips_to_Keep_You_Safe_This_Riding_Season.aspx" target="_blank">to be in an accident</a> and more likely to need the insurance. If you&rsquo;re only using your toys a few times a month, the risk is lessened. &nbsp;<br /> <br /> <strong>Are your toys brand-new?</strong> If you like the shiny new toys, you might want to consider adding Total Loss Replacement to your policy. Toys don&rsquo;t come cheap, and if you tend to buy new or trade up your toys every two years or more, this coverage will pay for a brand-new toy <a href="http://www.claudereynoldsinsurance.com/blog/6_Reasons_To_Insure_Your_Boat_in_the_Off-Season.aspx" target="_blank">if something should happen</a>. <br /> <br /> <strong>Look at your other policies. </strong>Oftentimes, your RV can be covered under your auto policy, a swimming pool or trampoline is covered under homeowners, but what about your boat? Or motorcycle? Dedicated toy coverage will pay for many incidents that other policies won't. For example, if your RV breaks down while you're away from home, an auto policy will do you no good. But a dedicated RV policy may pay for lodging and transportation until your RV is fixed. <br /> <br /> <strong>WHAT KIND OF INSURANCE DO I NEED?</strong><br /> <br /> After you&rsquo;ve decided what toys you have that <a href="http://www.claudereynoldsinsurance.com/blog/5_Reasons_Why_You_Need_RV_Insurance.aspx" target="_blank">might be worth insuring</a>, review the types of insurance available to you.<br /> <br /> <strong>Property Damage:</strong> This will cover the cost of the lost or damaged property. Estimate the value of your toys and how much you would lose. If you have an RV or a boat, you&rsquo;re probably looking at a pretty sizable loss. Generally speaking you want to choose the highest liability limit.<br /> <br /> <strong>Liability Insurance:</strong> If you or a friend is <a href="http://www.claudereynoldsinsurance.com/blog/Boating_Safety_6_Tips_to_Keep_You_Safe_This_Summer.aspx" target="_blank">injured while using one of your toys</a>, medical bills can add up quickly. The injured friend could even sue you if he or she is injured on your property or while using your toys. To avoid legal action and high medical bills, liability insurance added as additional coverage to your policy can help these circumstances. &nbsp;<br /> <br /> <strong>Umbrella Coverage:</strong> An umbrella policy is an additional &ldquo;catch all&rdquo; policy. You need to be sure all of your toys are added to this policy as soon as you purchase them. Check with your carrier to be sure what toys can be included and which ones cannot. &nbsp;<br /> <br /> Just like helmets protect your head from harm, insurance will help protect your finances in the event of an accident or lawsuit. Take the time to discuss what kind of insurance you may need for your toys and how much coverage you need to protect your assets, your lifestyle, and your weekends.&nbsp; <br /> <br /> Adding specialized insurance coverages can be less expensive than you think. To learn more about <a href="http://www.claudereynoldsinsurance.com/rv/recreational_vehicle_insurance_quote.aspx" target="_blank">RV</a>, <a href="http://www.claudereynoldsinsurance.com/motorcycle/insurance_quote.aspx" target="_blank">motorcycle</a>, or <a href="http://www.claudereynoldsinsurance.com/boat/watercraft_insurance_quote.aspx" target="_blank">boat</a> insurance in Louisville, ask the agents at Claude Reynolds Insurance. We can help you find the right policies for you and your toys.<br /> <br />urn:uuid:c1e800e0-ead8-4ac8-bc5a-8e18710336bc<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/cutting%20costs%20on%20auto%20insurance.jpg' align='left' />The car insurance market is quiet competitive, more so if you factor in the Internet as a new way of acquiring affordable car insurance. This means that, if you look around, you can easily find ways to cut your car insurance costs. Here are 8 tips th...Thu, 17 Nov 2011 10:57:54 -0600The car insurance market is quiet competitive, more so if you factor in the Internet as a new way of acquiring affordable car insurance. This means that, if you look around, you can easily find ways to cut your car insurance costs. Here are 8 tips that can significantly reduce your spending on car insurance.<br /> <br /> <img title="Cutting Costs on Car Insurance" alt="Cutting Costs on Car Insurance" style="width: 250px; height: 163px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/cutting%20costs%20on%20auto%20insurance.jpg" />1. Be a good driver. There is no question about it; the best way to get low insurance costs is by being a good driver. Obey all traffic laws, keep within the speed limits, and <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Distraction_Free_Driving_It_Could_Save_Your_Life.aspx">always drive carefully</a>.<br /> <br /> 2. Do your research before you commit to an insurance company. Insurance rates vary quite a lot from one company to another. They also vary from one type of company to another. Before deciding, check various prices. Also, don't be afraid to let your current insurance provider know if you've found a better price. Most insurers will be willing to work with you to match the better price. <br /> <br /> 3. Ask your insurance agent about possible discounts. Simply taking a driving course, using a steering wheel lock, or getting good grades in school may be enough to earn you a <a href="http://www.claudereynoldsinsurance.com/blog/Young_Drivers_Guide_to_Saving_Money_on_Auto_Insurance.aspx" target="_blank">discount on your insurance rates</a>. <br /> <br /> 4. Factor in insurance costs when buying your car. Some cars have better safety records, and anti-theft measures that can bring your insurance costs down. Some cars are much more expensive to repair than others. When buying a car, consider the insurance costs to make the best possible investment.<br /> <br /> 5. Group rates may save you money. You may be able to get lower insurance rates because of your employer or for belonging to a particular organization. Check around to see if an organization you belong to, like an Alumni organization or a club, qualifies for lower rates. <br /> <br /> 6. If you consider yourself to be a good driver, choose a higher deductible. Higher deductibles can mean drastically lower payments. However, make sure you can afford to pay the deductible in case of an accident. Otherwise, it defeats the whole purpose of having <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/5_Reasons_To_Evaluate_Your_Car_Insurance_Policy_Each_Year.aspx">car insurance</a> in the first place. <br /> <br /> 7. Consider only purchasing liability insurance for cheaper cars. If your car is not worth more than ten times what your insurance premium, getting comprehensive coverage is probably not worth it. <br /> <br /> 8. Get all your insurance from the same company. It pays to shop around. However, most companies will offer you a reduction in your rates if you've been their customer for a long time. If you get your homeowner's insurance from the same insurer, chances are that your car insurance rates will be lower.<br /> <br /> Have questions about your <a target="_blank" href="http://www.claudereynoldsinsurance.com/automobile/louisville-auto-insurance.aspx">auto insurance policy</a>? We're here to take care of all your Louisville auto insurance needs. Give us a call at (502) 933-2255 to speak to one of our agents or get a free, instant <a target="_blank" href="http://www.claudereynoldsinsurance.com/automobile/auto-insurance-quote.aspx">auto insurance quote</a> online from Claude Reynolds Insurance.<br /> <br />urn:uuid:b3357d01-25c2-4352-9d9b-a05b548fba4e<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/business%20insurance%20for%20small%20businesses.jpg' align='left' />The world of owning and operating your own business comes with plenty of responsibility and in turn, a heavy dose of accountability. Even if all business owners operate with the best intentions, a client might perceive you did them wrong, and you are...Tue, 15 Nov 2011 17:56:31 -0600The world of owning and operating your own business comes with plenty of responsibility and in turn, a heavy dose of accountability. Even if all business owners operate with the best intentions, a client might perceive you did them wrong, and you are now liable for the situation. It is important to keep your business protected with proper insurance coverage. <br /> <br /> <img title="Business Insurance for Small Businesses" alt="Business Insurance for Small Businesses" style="width: 250px; height: 166px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/business%20insurance%20for%20small%20businesses.jpg" /><strong>Who?</strong> Almost 80% of all U.S. businesses are a partnership or sole proprietorship. These two structures put your business and you personally at risk for liabilities. Having a current liability insurance policy will protect you, your family, and the business from financial devastation. If your business is incorporated, liability insurance is still necessary. You can be held personally liable for any of the following: <br /> <br /> &bull; you have signed a personal guarantee for a loan <br /> &bull; you have injured someone <br /> &bull; you have acted in an irresponsible or illegal manner &nbsp;&nbsp; &nbsp;<br /> &bull; you do not operate your business as a separate entity than your personal finances<br /> <br /> <strong>What is it?</strong> Liability insurance is designed to <a href="http://www.claudereynoldsinsurance.com/business/louisville-business-owners-insurance.aspx" target="_blank">protect the business owner</a> from the risks of lawsuits and similar claims for personal injury or property damage. Liability insurance will usually cover legal costs and damages, depending on the policy you purchase. There are three types of liability insurance: <br /> <br /> <strong>1. General:</strong> This form of insurance is the main coverage to protect your business. This may be the only type of liability insurance you need, depending on your business situation. A general policy protects the company&rsquo;s assets and can be purchased on its own, or as part of another, larger policy. <br /> <br /> <strong>2. Professional:</strong> This is also known as errors and omissions insurance. This policy protects your business against mistakes. A professional mistake might include malpractice, errors, negligence and omissions. For some professions, such as doctors, it may be a legal requirement to carry a policy. <br /> <br /> <strong>3. Product Liability Insurance:</strong> If you sell or manufacture a product, you will most likely product liability insurance. This policy will protect you if a customer is injured as a result of your product. Whether or not you need this policy will depend on the product you&rsquo;re selling. For example, a clothing store would have far less risk than a hunting store, for example.<br /> <br /> It is also important to note that most home-owner policies do not cover home-based businesses, so if your run your business out of your garage, you may be better off to purchase a home-based business insurance policy to cover any damages to your home, family, customers or property. <br /> <br /> <strong>How much do I need?</strong> When deciding what policy to purchase, and how much insurance to carry, there are two important factors to consider: perceived risk and location. <br /> <br /> First, think about your business in terms of risk assessment. If you are working with heavy machinery, producing dangerous products such as fireworks or small appliances, you may carry a much greater risk of being sued for personal injury than a paper manufacturer. <br /> <br /> Second, review your state&rsquo;s statute regarding what the business requirements, trends and prices are in your area. It is also important to consider where your business is located; if you run your business out of your home, you may need home-based insurance, if you are providing a service, you may need professional insurance.<br /> <br /> <strong>Why do I need it?</strong> Most law suits, which trigger the need for <a href="http://www.claudereynoldsinsurance.com/business/bop_quote.aspx" target="_blank">liability insurance</a>, are the cause of an accident. Business owners do their best to take great care for their clients and customers, but unfortunately, even a harmless accident due to innocent negligence can cause millions of dollars in lawsuits and damages. To keep risk low and insurance rates down, business owners should take precautions to prevent accidents. Take steps such as setting high standards for product quality and employee conduct, keep and maintain clear and current company records, and request additional safety tips from your insurer for your specific industry. <br /> <br /> Insurance coverage is available for every risk your business might face. Cost and coverage may vary among insurers, but it is important to discuss your specific business risks with your <a href="http://www.claudereynoldsinsurance.com" target="_blank">insurance agent or broker</a>.<br /> <br />urn:uuid:6c0c19cf-ac48-4ff4-a6ab-e612ec11e82b<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/protect%20yourself%20from%20identity%20theft.jpg' align='left' />Identify theft is a very real problem in today&rsquo;s world. But purchasing identity theft insurance can actually make you more of a target. But before running out to purchase an identity theft policy, it&rsquo;s important to take a closer look at t...Sat, 12 Nov 2011 10:54:49 -0600Identify theft is a very real problem in today&rsquo;s world. But purchasing identity theft insurance can actually make you more of a target. But before running out to purchase an identity theft policy, it&rsquo;s important to take a closer look at the fine print of identity theft insurance. The truth is, benefits and coverage of identity theft &ldquo;coverage&rdquo; are very limited and might not be worth the money, even if it&rsquo;s a small yearly fee. <br /> <br /> <img title="Protect Yourself From Identity Theft" alt="Protect Yourself From Identity Theft" style="width: 250px; height: 165px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/protect%20yourself%20from%20identity%20theft.jpg" />Identity theft is the fastest growing consumer crime in the United States. Typically, identity theft affects between 4 and 9 million individuals and most involve a stolen credit card number, not the extreme cases of stolen SS#&rsquo;s, opening accounts, criminal records, fake ID&rsquo;s, etc. Despite the losses caused by identify theft, an insurance policy cannot protect you from becoming a victim and does not cover direct monetary losses incurred as a result of identity theft. According to the National Association of Insurance Commissioners, identity theft coverage only covers some of the expenses you will incur to deal with the problem, such as the costs of making phone calls and copies, mailing documents and possibly legal bills. Keep in mind, most identity theft coverage comes with a deductible typically around $100 to $250. &nbsp;<br /> <br /> It is important to realize there are things you can do on your own to receive a degree of ID theft protection for free. Most credit card companies and banks will make theft assistance available to all customers at no charge and will call you if they suspect suspicious activity. Credit card companies, banks and stock brokers usually cover direct losses from ID theft. The primary danger of identity theft is devastation of your credit rating and there is no insurance against that. &nbsp;<br /> <br /> Many of the identity theft protection plans are simply monitoring your credit reports, offering credit freezes (which can be more inconvenient than protective) and some policies pay expenses such as lost wages and minimal legal fees. It is important to keep in mind that identity theft insurance doesn't reimburse you for money that is stolen from you or clean up a criminal record acquired in your name. <br /> <br /> Chances are even if your plan claims to cover the costs associated with resolving an identity theft case, the burden of dealing with creditors will still fall on you because most creditors won't deal with anybody else. <br /> <br /> In addition, identity theft is usually committed by someone we know, often family members, but identity theft insurance often doesn't pay if the crime is committed by a family member. Fifty percent of the cases reported to the FTC in which the victim was aware of the source, the perpetrator was a family member. So, you have no assistance if your teenager or spouse runs up charges in your name, which is what is statistically most likely to happen. <br /> <br /> You might want to check your <a href="http://www.claudereynoldsinsurance.com/homeowners/louisville-home-insurance.aspx" target="_blank">homeowners insurance policy</a> as well, it may already cover you for identity theft protection. There's no question that identity theft is a very real threat, but the best insurance is prevention. &nbsp;<br /> <br /> You can take action yourself by paying attention to your credit report and requesting them from one of the bureaus quarterly. Protect your social security number. Pay bills online and avoid having any bank statements mailed to your house. Shred any documents that contain personal information and rather than tossing credit card application, opt out of card offers to reduce the chance that the offer could be stolen from your mailbox or trash and used to set up an account without your knowledge.<br /> <br />urn:uuid:b534a80c-1265-46ea-be60-8e6018708bdc<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/save%20money%20by%20reducing%20gas%20consumption.jpg' align='left' />If you're concerned about the impact today's excessive reliance on motor vehicles is having on the environment, and are also searching for a way to reduce your weekly gasoline consumption to help save money, both of these issues are actually easy to ...Wed, 09 Nov 2011 15:54:38 -0600If you're concerned about the impact today's excessive reliance on motor vehicles is having on the environment, and are also searching for a way to <a href="http://www.claudereynoldsinsurance.com/blog/Are_You_a_Fuel_Efficient_Driver.aspx" target="_blank">reduce your weekly gasoline consumption</a> to help save money, both of these issues are actually easy to address. As modern society is built around the automobile, it is simply not practical for most of us to cut down on the number of hours we sit behind the wheel of our vehicles. There are tips you can use that would ensure you do not burn any more gas that what is actually necessary. <br /> <br /> <img title="Save Gas, Save Money" alt="Save Gas, Save Money" style="width: 250px; height: 167px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/save%20money%20by%20reducing%20gas%20consumption.jpg" />The following suggestions can help you to reduce consumption by as much as 10%. With gasoline prices continuing to rise, this can be a big financial saving. The way in which you drive will have an impact on how much fuel you use. <br /> <br /> 1. You should try and drive smoothly on every highway; this means speeding up and slowing down gradually, rather than accelerating fast and braking hard. Be aware of when road junctions and bends are coming up so that you do not need to use your pedals excessively.<br /> <br /> 2. The faster you drive the more fuel you will use. Always stick to the speed limits, not only is this safer for you and other road users, it also ensures better fuel efficiency. When driving at 70 mph you will use around 30% more gas than if covering the same distance at 50 mph.<br /> <br /> 3. As the number of vehicles on our roads has increased, so has the frequency of traffic jams. If you are to be stationary for more than a minute, it is worth switching off the engine. Leaving your vehicle idling for many minutes can waste a lot of fuel.<br /> <br /> 4. The way your vehicle is set up can also have an impact on how efficient it is. Do not carry any more weight than is necessary. If your car has become a storage unit for all kinds of odds and ends, take these out and place them in your garage. All you actually need in your vehicle is a spare tire and a few basic tools. <br /> <br /> 5. Regularly <a href="http://www.claudereynoldsinsurance.com/blog/Keys_to_Finding_a_Trustworthy_Car_Mechanic.aspx" target="_blank">servicing your automobile</a> can also help to increase its efficiency, changing the oil filter and ensuring the tires are correctly inflated can both help to reduce fuel consumption.<br /> <br /> Being a green driver does not have to involve buying a vehicle with a hybrid engine. A few changes to the way you drive, and ensuring your car is set up correctly, can reduce your carbon footprint considerably and save you a respectable sum of money.<br /> <br />urn:uuid:c39dd3bc-444b-45a3-b1dd-d3ba828e5504<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/preventing%20house%20fires.jpg' align='left' />In the time it will take you to read this article, it is estimated that at least three structure fires will have started somewhere in the United States. Each year more than 4000 Americans die and approximately 25,000 are injured in fires, many of whi...Fri, 04 Nov 2011 14:50:01 -0500In the time it will take you to read this article, it is estimated that at least three structure fires will have started somewhere in the United States. Each year more than 4000 Americans die and approximately 25,000 are injured in fires, many of which could be prevented.<br /> <br /> <img src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/preventing%20house%20fires.jpg" style="width: 250px; height: 166px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" alt="Preventing House Fires" title="Preventing House Fires" />We live in very flammable environments. Our houses and their contents easily burn. A mattress can become fully involved in flames within two minutes. The most common house fire begins in the kitchen and involves some type of cooking situation, killing 150 persons annually. Cigarette-caused fires are less frequent, but more deadly, claiming 600 lives per year. Another 220 deaths occur each year from heating sources such as fireplaces, wood stoves, and space heaters.<br /> <br /> As winter approaches and we burn more candles, leave holiday lights and fireplaces glowing, it&rsquo;s a good time to remember these fire protection tips:<br /> <ul> <li> Install smoke detectors in each bedroom and check or replace the batteries quarterly. Pick dates you will remember, such as your birthday, spouse&rsquo;s birthday and child&rsquo;s birthday. &nbsp;</li> </ul> <ul> <li> Never leave candles burning unattended. Make sure to place the candles carefully away from anything flammable and always extinguish them before leaving home or going to bed.</li> </ul> <ul> <li> Develop a home fire escape plan. Practice it with your family and make sure everyone knows the plan and can execute it in an emergency.</li> </ul> <ul> <li> Keep a properly maintained fire extinguisher and fire blanket handy in the kitchen and know how to use them in an emergency. &nbsp;</li> </ul> <ul> <li> Be careful not to overload circuits or extension cords. This is especially tempting to do during the holiday season. Be sure to follow the limits noted on the extension cords. Unplug unused items to reduce the overloaded circuits.</li> </ul> <ul> <li> Give portable heaters lots of space; keep combustible items at least three feet away. Never use an oven or stove or camp-stove for a heat source. </li> </ul> <ul> <li> If you use a fireplace regularly, use a screen to protect against rouge sparks and ashes. Have the chimney serviced by a qualified chimney sweep each year and remember that, when disposing of ashes from a fireplace or wood-burning stove, they remain &ldquo;hot&rdquo; for days. Always dispose of them in metal containers with tight-fitting lids. If possible, wet the ashes prior to covering the pail. Store the container away from deck, garage or any other flammable materials. Once the ash has completely cooled, they can be added to mulching piles or spread through the garden. &nbsp;</li> </ul> Use these safety tips and be vigilant about watching for dangerous potential situations to <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/The_Ultimate_Guide_to_Summer_Safety.aspx">keep your home and family safe</a>. Finally, be sure to check with your <a href="http://www.claudereynoldsinsurance.com" target="_blank">local homeowner&rsquo;s insurance agent</a> to make sure that you are have adequate fire insurance coverage in the event of a fire this year and protect your family and your home from sparks gone awry.<br /> <br />urn:uuid:df84c941-7462-49d8-b810-4e292d39a610<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/getting%20auto%20insurance%20with%20bad%20credit%20rating.jpg' align='left' />Having a bad credit doesn't mean that you cannot get a good insurance policy for your car. In fact, most of the time you'll find a car insurance policy, but with substantially higher than normal rates. The first thing you can do is search for an insu...Tue, 01 Nov 2011 17:51:34 -0500Having a bad credit doesn't mean that you cannot get a good insurance policy for your car. In fact, most of the time you'll find a car insurance policy, but with substantially higher than normal rates. The first thing you can do is search for an insurance company specializing in giving deals to people with a <a href="http://www.claudereynoldsinsurance.com/blog/Will_My_Credit_Rating_Affect_My_Insurance_Rates.aspx" target="_blank">bad credit history</a>. There are some companies that do this, and you may be able to get a good deal. <br /> <br /> <img title="Getting Auto Insurance With Bad Credit Rating" alt="Getting Auto Insurance With Bad Credit Rating" style="float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/getting%20auto%20insurance%20with%20bad%20credit%20rating.jpg" />If you still cannot find an auto insurance policy for you, there are some things you can do to help your search for car insurance. Some of these are:<br /> <br /> &bull; Consolidate your debt and make your monthly payments. This may help you improve your credit rating in a relatively short amount of time.<br /> <br /> &bull; Do your research. Regardless of your bad credit rating, you are still a potential customer. In fact, because of the higher rates that they can charge you, individuals with a poor credit history in the past and a good present situation are attractive customers for many insurance companies. <br /> <br /> &bull; If you've already paid your debt but still have the bad credit history hanging over your head, consider getting &ldquo;bad credit&rdquo; loan.<br /> <br /> &bull; Another viable option may be purchasing an older or cheaper vehicle. Then waiving comprehensive and collision insurance and only getting liability insurance. <br /> <br /> Probably the best thing you can do to get <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Top_5_Car_Insurance_Mistakes_to_Avoid.aspx">auto insurance with a bad credit history</a> is to prove that you have a steady, full time job with a regular income. Many insurers are willing to overlook a bad credit rating if they see that you are now working and can keep up with your payments. <br /> <br /> Most people need a car to be able to work, either to commute or to go job hunting. However, to have a car you will need car insurance to be able to legally drive it. The problem is that many insurance companies will charge you very high rates if you have a bad credit history. Putting your finances in the hands of an expert is probably the best path you can take to improve your chances of getting affordable car insurance. <br /> <br />urn:uuid:395be25e-b8d6-4d8e-a515-12097e00b725<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/understanding%20condo%20owners%20insurance.jpg' align='left' />A condominium and a house are two different types of dwellings that need different types of insurance. When you insure a house, the building and your other possessions on the property are covered by your home insurance policy. In condo insurance, you...Thu, 27 Oct 2011 14:37:30 -0500A condominium and a house are two different types of dwellings that need different types of insurance. When you insure a house, the building and your other possessions on the property are covered by your <a href="http://www.claudereynoldsinsurance.com/blog/Homeowners_Insurance_5_Things_To_Consider_Before_Purchasing_Your_Policy.aspx" target="_blank">home insurance policy</a>. In condo insurance, you only insure the possessions inside your home, like your appliances, interior decor, and other items. You don&rsquo;t have to include the building, where your condo unit is built, and other structures that you share with the other unit owners. There areas are covered by your condo association&rsquo;s policy. <br /> <br /> <img title="Condo Owners Insurance" alt="Condo Owners Insurance" style="width: 250px; height: 179px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/understanding%20condo%20owners%20insurance.jpg" />Condo owner insurance is an important part of your ownership since this will give your possessions protection against damages. The insurance that your condo association can provide stops right outside your door. Having a condo owner insurance means your personal belongings are covered if disaster strikes. It can also give you coverage for personal liability, living allowance if you&rsquo;ll lose your unit to fire, theft and loss of personal items as stated in your insurance policy. <br /> <br /> When you buy condo owner insurance, you need to make sure that it will give you sufficient coverage. First, look into the areas of the building that are covered by your master policy. Most likely, your condo association&rsquo;s policy falls into the category of commercial insurance. A deductible is often applied to this type of insurance. In the event that an accident affects the complex, the deductible will be shared by the owners. Deductibles can reach up to several thousand dollars. It is important that you ask about this before getting your own condo owner insurance. <br /> <br /> After assessing the areas that are not covered by your condo association&rsquo;s insurance, you need to evaluate your own needs. If some of your neighbors are <a href="http://www.claudereynoldsinsurance.com/blog/Simple_Tricks_to_Help_Sell_Your_Home_Faster.aspx" target="_blank">doing renovations</a>, take note of the current value of their latest furniture, appliances, or the amount spent on the entire project. This will help you establish a coverage that you feel is appropriate for you. For interior structures, you may want to get a coverage that is worth half their market price. <br /> <br /> If your condo building is located in an area that is always <a href="http://www.claudereynoldsinsurance.com/blog/What_Everybody_Should_Know_About_Flood_Insurance.aspx" target="_blank">exposed to flooding</a>, earthquake, and harsh wind, you might as well get coverage for damages that might be caused by these natural disasters. Never assume that your current policy will give you protection against these elements. Don&rsquo;t be left helpless when a disaster unexpectedly strikes. Look into your policy and talk to your <a href="http://www.claudereynoldsinsurance.com/blog/Whos_Got_Your_Back_Your_Local_Agent.aspx" target="_blank">insurance provider</a> about your options.<br /> <br />urn:uuid:aa03b084-ab2e-4db3-9b68-1454c33f4a1b<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/local%20insurance%20agent.jpg' align='left' />You buy books online, shoes online and even order your baby&rsquo;s cute photos online, so why not buy your auto insurance online, too? More and more insurance companies are using the internet to reach customers but what are you missing when you bypa...Tue, 25 Oct 2011 10:47:52 -0500You buy books online, shoes online and even order your baby&rsquo;s cute photos online, so why not buy your auto insurance online, too? More and more insurance companies are using the internet to reach customers but what are you missing when you bypass your local insurance agent?<br /> <br /> <strong><img title="Local Independent Insurance Agents" alt="Local Independent Insurance Agents" style="width: 250px; height: 167px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/local%20insurance%20agent.jpg" />Most importantly, a local insurance agent can give you the personal service you need.</strong> They are accessible by phone or at his office and, in many cases, gets to know you and your family personally and, in turn, you get to know them and this partnership can give you peace of mind and trust in the products you are buying. <br /> &nbsp;<br /> <strong>A local agent will make recommendations for you based on your specific needs and situation.</strong> They can advise you on things you may need to add to your coverage or parts of your policy which you may not need, ensuring that you are getting you the right amount and type of insurance coverage for your home, autos and family. Local agents can alert you if there is a problem with your payment so you won&rsquo;t have a lapse of coverage.&nbsp;&nbsp; &nbsp;<br /> <br /> <strong>Local agents will provide an annual policy review.</strong> This gives you a chance to sit down together and <a href="http://www.claudereynoldsinsurance.com/blog/5_Reasons_To_Evaluate_Your_Car_Insurance_Policy_Each_Year.aspx" target="_blank">go over your policies</a> to make sure that you are covered properly and fill in any gaps that are missing and make changes as you family and life situations change. They can see that your daughter <a href="http://www.claudereynoldsinsurance.com/blog/A_Parents_Guide_to_Cheaper_Teen_Car_Insurance_Rates.aspx" target="_blank">just turned 16</a> and you will need additional coverage, or that your son just married and can be taken off your policy. Because a local agent is close by, you can easily call him when you get a new ATV for Christmas so that you are covered immediately or alert him when you sell your truck so he can discontinue coverage right away so that you&rsquo;re not paying more than you should. <br /> <br /> And don&rsquo;t think that just because your agent&rsquo;s office is down the street that he doesn&rsquo;t have access to national insurance benefits. <a href="http://www.claudereynoldsinsurance.com/blog/Why_Choose_an_Independent_Agent.aspx" target="_blank">Independent local agents</a> represent several different insurance companies and can search for the best coverage and rates for your situation from a variety of nationally strong companies.<br /> <br /> If you should need to make a claim on your policy, it is comforting to know that your local agent will be there to represent your interests and walk you through the process. Who&rsquo;s got your back? Your <a href="http://www.claudereynoldsinsurance.com" target="_blank">local insurance agent</a> does.<br /> <br /> Get the best of both worlds with Claude Reynolds Insurance! Get a free <a href="http://www.claudereynoldsinsurance.com/content/get-a-quote.aspx" target="_blank">Louisville insurance quote online</a>, visit our office, or give us a call to speak to one of our agents.<br /> <br />urn:uuid:f64e3478-c35d-4afe-acb1-3e295bc71bfc<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/Home%20Insurance%20Guide%20for%20First%20Time%20Home%20Owners.jpg' align='left' />If you thought that hunting for the perfect home in Kentucky was difficult, then you may be surprised at how difficult shopping for home insurance can be as well. Many first-time buyers end up buying either something more or less than what they need,...Thu, 20 Oct 2011 12:06:46 -0500If you thought that hunting for the perfect home in Kentucky was difficult, then you may be surprised at how difficult <a href="And%20just%20in%20case%20you%20need%20reminding,%20premiums%20refer%20to%20the%20agreed%20amount%20you%20will%20pay%20either%20by%20installment%20or%20with%20one%20lump%20sum%20payment%20in%20order%20to%20purchase%20your%20insurance." target="_blank">shopping for home insurance</a> can be as well. Many first-time buyers end up buying either something more or less than what they need, but you can easily avoid such rookie mistakes with the tips below.<br /> <br /> <strong><img title="Buying Your First Homeowners Insurance Policy" alt="Buying Your First Homeowners Insurance Policy" style="float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/Home%20Insurance%20Guide%20for%20First%20Time%20Home%20Owners.jpg" />What kind of protection do you need?</strong><br /> <br /> You probably already know what kind of insurance you&rsquo;ll need based on Kentucky&rsquo;s weather and the likelihood of, say, having a storm or earthquake in your area. But you also need to consider other <a href="http://www.claudereynoldsinsurance.com/blog/Will_My_Homeowners_Insurance_Cover_Water_Damage.aspx" target="_blank">threats that home insurance can protect you from</a>.<br /> <ul> <li>Personal Property &ndash; Home insurance can include coverage for all types of damage incurred by your personal property. This may be due to trespassing, theft, vandalism or a similar crime.</li> <br /> <li>Guest Medical Protection &ndash; In case something happens to a guest in your home and he or she decides to charge you for medical expenses, this will help you cover for it.</li> <br /> <li>Additional Living Expenses &ndash; Think of this as having money to spend for a temporary home while your house remains uninhabitable due to an incident that is covered by your insurance policy.</li> </ul> <strong>Know the Difference between Limit and Deductible</strong><br /> <br /> A lot of first-time buyers often confuse the two, which then causes them to <a href="http://www.claudereynoldsinsurance.com/blog/Homeowners_Insurance_5_Things_To_Consider_Before_Purchasing_Your_Policy.aspx" target="_blank">purchase an insurance policy</a> that isn&rsquo;t really suitable for their needs.<br /> <br /> <em>Deductibles</em> are the maximum amount that you have agreed to pay for damages incurred in your property regardless of who is at fault. Anything excess that amount will then be covered by the insurance firm.<br /> <br /> <em>Limit</em> refers to the maximum amount that your insurance firm will pay out. The higher your limit, the higher your monthly premiums will be.<br /> <br /> And just in case you need reminding, <em>premiums</em> refer to the agreed amount you will pay either by installment or with one lump sum payment in order to purchase your insurance.<br /> <br /> <strong>Find Out About Their Claim Processes</strong><br /> <br /> What are the steps that the insurance company requires you to take in order to <a href="http://www.claudereynoldsinsurance.com/blog/Keys_to_Getting_Your_Insurance_Claim_Approved.aspx" target="_blank">file a claim</a>? When considering the claim process of <a href="http://www.claudereynoldsinsurance.com/blog/Local_Agent_vs_Internet_Which_Is_Best_For_Insurance.aspx" target="_blank">a particular insurance firm</a>, it would be ideal if you can check for online reviews to learn what previous or existing customers have to say. Does the company get mostly positive or negative reviews?<br /> <br /> No matter how low their rates are, if they are notoriously difficult to transact with when it comes to filing claims, then you&rsquo;re better off signing up with another insurance company.<br /> <br /> Be sure you know all there is to know about your <a href="http://www.claudereynoldsinsurance.com/homeowners/louisville-home-insurance.aspx" target="_blank">Louisville homeowners insurance</a> by asking the agents at Claude Reynolds Insurance. Find out how much we can help you save on your home insurance!<br /> <br />urn:uuid:0983b5b2-05b5-4b96-b63a-d6c471a50185<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/car%20insurance%20when%20moving.jpg' align='left' />Packing, moving and relocation means countless decisions, increased stress level and the inevitable frustrations. Along with unloading boxes, and forwarding your mail, updating your auto insurance policy should be at the top of your to-do list. &nbsp...Tue, 18 Oct 2011 20:17:47 -0500Packing, moving and relocation means countless decisions, increased stress level and the inevitable frustrations. Along with unloading boxes, and forwarding your mail, updating your auto insurance policy should be at the top of your to-do list. &nbsp;<br /> <br /> <img title="Car Insurance When Moving Out of State" alt="Car Insurance When Moving Out of State" style="width: 250px; height: 167px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/car%20insurance%20when%20moving.jpg" />If your move is permanent, <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/5_Reasons_To_Evaluate_Your_Car_Insurance_Policy_Each_Year.aspx">your car insurance policy needs to be reviewed</a> and altered for your new environment. Your insurance policy is based upon where you live, if you move out of state and are <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/7_Steps_To_Take_If_Youre_In_An_Accident.aspx">involved in an accident</a>, neglecting to change your policy may result in an invalidation of your coverage and you may find yourself uninsured without realizing it. <br /> &nbsp; <br /> When you notify your insurance company of your address change, expect a small change in your rates as well. Some of the most common reasons for relocation rate changes, regardless of your driving record, include: <br /> <br /> <strong>1. Your zip code.</strong>&nbsp; If your new zip code is more populated than your current city, your rates may go up. If vandalism rates are lower, your rates may go down. Insurance companies are focued on minimizing risks, so if your location poses increased risks, your rates will go up, and vice versa. &nbsp;<br /> <br /> <strong>2. Your Commute.</strong> If you&rsquo;re relocating for work, you may find you are driving less miles each day. Fewer miles means a lower rate. &nbsp;<br /> <br /> <strong>3. Natural disasters.</strong> If you move to an area which is known for flooding, tornadoes or other disasters covered by comprehensive insurance, this may also affect your rates. &nbsp;<br /> <br /> <strong>4. Claims History.</strong> Unfortunately, some people end up paying for the mistakes of others. If you live in an area known for increased insurance claims, your rates will be higher. This is a good reason to think twice before moving near a bar. &nbsp;<br /> <br /> <strong>5. Your Home.</strong> If you are moving out of your apartment into a house, be sure to let your <a target="_blank" href="http://http://www.claudereynoldsinsurance.com">insurance company</a> know that you now have a garage. This limits your risks of auto theft and vandalism and may therefore lower your policy. &nbsp;<br /> <br /> <strong>6. The Weather.</strong> Insurance companies also take mother nature into consideration, and may charge higher rates for <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Tips_for_driving_on_ice_covered_roads.aspx">areas with heavy snow</a>, lots of rain or large trees. &nbsp;<br /> <br /> Additionally, if you are moving to a new state, you&rsquo;ll need to get to know a new agent. You can contact your current agent for a referral, but <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Why_Choose_an_Independent_Agent.aspx">insurance agents</a> are state-specific so you&rsquo;ll most likely need to get a new agent if you&rsquo;re switching states. <br /> &nbsp;<br /> It is important to be aware of these factors and how they may affect your rates, but remember that not all policies will be affected and your change might be nor more than a few dollars. Comprehensive coverage is more affected than liability and when it comes right down to it, your locality isn't nearly as significant as your driving record.<br /> <br />urn:uuid:e9a8940c-e48f-436f-83e3-982c927cbd29<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/save%20on%20commercial%20auto%20insurance%20costs.jpg' align='left' />To succeed in business, you need to know how to gamble and take risks. But there are certain aspects of your business that must not be left to chances. Choosing the right commercial auto insurance is one of them. One of the many requirements of start...Thu, 13 Oct 2011 13:16:32 -0500To succeed in business, you need to know how to gamble and take risks. But there are certain aspects of your business that must not be left to chances. Choosing the right commercial auto insurance is one of them. One of the many requirements of starting a business is to have your own means of transportation to save on overhead costs. <a href="http://www.claudereynoldsinsurance.com/blog/Do_I_Need_Commercial_Auto_Insurance.aspx" target="_blank">Getting your business vehicles insured</a> is always a smart business move. Although commercial auto insurance can be quite expensive, there are ways in which you can manage the costs of your insurance premiums. <br /> <br /> <img title="Cutting Commercial Vehicle Insurance Costs" alt="Cutting Commercial Vehicle Insurance Costs" style="width: 250px; height: 155px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/save%20on%20commercial%20auto%20insurance%20costs.jpg" />- A lot of times, the rate of auto insurance is dependent upon the driving record of its holder. When you interview potential employees, ask them to provide you with their Motor Vehicle Records so you will know what kind of drivers they are. You may also consider hiring drivers who own a Commercial Driver&rsquo;s License since they are more experienced and skilled. Presenting their qualifications to the commercial auto insurance company can possibly give you discounts. <br /> <br /> - If your commercial auto insurance is about to expire, make sure that you take the necessary steps to continue your coverage. Getting a new insurance policy would probably cost you more since most insurance companies will require you to produce records of your past coverage. Avoiding lapses can ensure that you will be paying a lower rate for your next policy. <br /> <br /> - Discounts are fairly common in commercial auto insurance so <a href="http://www.claudereynoldsinsurance.com/blog/Why_Choose_an_Independent_Agent.aspx" target="_blank">ask your local agent</a> how to get hold of them. For instance, your company can get discount for paying in full. You can also qualify if your company has been operating for a specified number of years. <br /> <br /> - If you have been painstakingly keeping your credit history unblemished, your efforts will certainly pay off when getting a commercial auto insurance. Your <a href="http://www.claudereynoldsinsurance.com/blog/Will_My_Credit_Rating_Affect_My_Insurance_Rates.aspx" target="_blank">credit score can influence the rate of your policy</a> so make sure that you know what insurance companies will look into. Inquire about how insurers establish their rates and what kind of information would make an impact on the price of your premiums. <br /> <br /> - To manage your insurance costs more efficiently, choose an insurance company that offers several pay plan options. This is a very important consideration because it allows you to choose a policy that works well with the company&rsquo;s budget. Avoid an insurance companies that require a steep down payment and/or has finance charges. <br /> <br /> Finally, run a regular evaluation of your expenses, including insurance costs, so you will know what&rsquo;s weighing your business down and you can make the necessary adjustments.<br /> <br /> Talk with one of our agents at Claude Reynolds Insurance to find out how much you can save on<a href="http://www.claudereynoldsinsurance.com/business/louisville-commercial-vehicle-insurance.aspx" target="_blank"> Louisville commercial vehicle insurance</a> or request a free <a href="http://www.claudereynoldsinsurance.com/business/commercial_auto_quote.aspx" target="_blank">commercial auto insurance quote</a> from us today!<br /> <br />urn:uuid:8ec86b77-723d-4b5d-974f-3a9ee9b07e52<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/saving%20on%20life%20insurance.jpg' align='left' />What we pay for our life insurance policies is in great part dependent upon factors such as your age, your habits and your health. If you&rsquo;re a smoking, drinking trick pilot, forget about it. Insurance will cost you dearly. But eight ways that m...Tue, 11 Oct 2011 15:15:04 -0500What we pay for our life insurance policies is in great part dependent upon factors such as your age, your habits and your health. If you&rsquo;re a smoking, drinking trick pilot, forget about it. Insurance will cost you dearly. But eight ways that most of us can do to save a little money when insuring ourselves. <br /> <br /> <img title="Saving Money on Life Insurance" alt="Saving Money on Life Insurance" style="width: 250px; height: 313px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/saving%20on%20life%20insurance.jpg" />1. Improve your health. Stop smoking, lose weight, exercise. All of these factors have an enormous influence on your <a href="http://www.claudereynoldsinsurance.com/blog/7_Life_Insurance_Tips_that_Insurance_Companies_Dont_Want_You_To_Know.aspx" target="_blank">life insurance rates</a>. Whether you smoke three packs a day or one cigar with your buddies, insurers consider you a smoker and, therefore, a higher risk. Non-smokers can pay as much as 50% less than smokers so quitting can save a bundle. (And don&rsquo;t consider cheating because if your death is proven to be related to smoking, your beneficiaries may not receive the death benefit.) Losing weight can often give you a reduced rate, too. <br /> <br /> 2. If you are a healthy individual, avoid &ldquo;guaranteed&rdquo; <a href="http://www.claudereynoldsinsurance.com/blog/The_Different_Types_of_Life_Insurance_Explained.aspx" target="_blank">life insurance policies</a>. These policies require no medical exams and are considered riskier and, consequently, are more expensive than fully underwritten policies. So, unless you know you have a high risk medical condition, opt for the underwritten policies and the exam and the lower premiums. <br /> <br /> 3. Shop online. Everything is available online these days, even your insurance policies, and going online to shop and compare prices is a good way to <a href="http://www.claudereynoldsinsurance.com/life/insurance_quote.aspx" target="_blank">find the best rate for you</a>. Then, either buy online or take the information you find to local agents who can match or beat your online prices. <br /> <br /> 4. Ideally, we all exercise, eat a healthy diet and avoid illness, but realistically, many people with serious medical conditions still want to buy life insurance. Some life insurance companies specialize in competitive-priced policies for people with heart disease, diabetes, cancer and other high risk illness and conditions. Their trained analysts can evaluate medical conditions and determine the degree to which the illness is managed or out of control and set a rate accordingly.<br /> <br /> 5. Consider term life insurance. Premiums for term policies can be five to ten times lower than those for the same amount of whole life policies. If you anticipate having your policy for many years, look into buying a long term life policy, rather than a short term life policy in which the premiums increase frequently.<br /> <br /> 6. Don&rsquo;t buy <a href="http://www.claudereynoldsinsurance.com/blog/How_Much_Life_Insurance_Do_I_Need.aspx" target="_blank">more life insurance than you need</a>. Don&rsquo;t buy out of fear, but consider your situation carefully and what your family will need if you are no longer around to provide for them. How much money will it take to maintain your family&rsquo;s current lifestyle? How much money needs to be secured for your children&rsquo;s college educations? What burden does your mortgage place on your family? Your investment advisor can help you to assess your needs chose the right amount of insurance for you. Try our online insurance calculators to <a href="http://www.claudereynoldsinsurance.com/content/calculators.aspx" target="_blank">find out how much life insurance you need</a>.<br /> <br /> 7. Buy early. Many people wait until they are older to <a href="http://www.claudereynoldsinsurance.com/life/louisville-life-insurance.aspx" target="_blank">buy life insurance</a>; they just don&rsquo;t think about it when they&rsquo;re young. But buying a policy at an early age can help you lock in a policy and a rate before age and health factors increase your risk and costs. Some policies give you the option to lock in your premiums for a specific period of time, as much as 20 years. <br /> <br /> 8. Pay your insurance bill annually. Most insurers charge fees for monthly or quarterly billing. If possible, pay your insurance once a year and save those additional fees. Also, ask your insurer if you can receive a lower rate by directly paying from your checking account.<br /> <br />urn:uuid:3babea67-5e27-4c99-b06b-fdcc2668c49e<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/protect%20your%20possessions%20with%20moving%20insurance.jpg' align='left' />Even if you have managed to hire the best moving company, accidents can still strike anytime. Your precious possessions may obtain damage during transit and even when you think they&rsquo;re in good hands, safety is not always one hundred percent gua...Thu, 06 Oct 2011 18:12:03 -0500Even if you have managed to hire the best moving company, accidents can still strike anytime. Your precious possessions may obtain damage during transit and even when you think they&rsquo;re in good hands, safety is not always one hundred percent guaranteed. But if your moving company does its job in getting your things sufficiently covered by a moving insurance policy, any accidents can be properly compensated. <br /> <br /> <img src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/protect%20your%20possessions%20with%20moving%20insurance.jpg" style="width: 250px; height: 239px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" alt="Moving Insurance" title="Moving Insurance" />When you sign up for a moving insurance policy, you need to elaborate in details the value of each of your household goods. This is very important as this will figure out when you make a claim later. If any of the items that were being moved obtained damages, it must be reported immediately. File a claim and make sure the moving company acknowledges your report within 30 days and settle any issue within 120 days. The value of your claim must coincide with what you have stated as the liability amount. Any claim that is more than this amount will not be honored by the movers so review your policy carefully. <br /> <br /> There are three kinds of insurance most moving companies offer to their clients. These are the Declared Value, Assessed Value, and Full Value Protection. <br /> <br /> * In Declared Value, the value of your goods is measured through their collective weight. A price per pound is multiplied by the total weight and the product is the value of your liability amount. <br /> <br /> * If the items being moved are highly valuable, you will likely be buying Assessed Value insurance. This insurance gets you covered according to what you have declared as the actual value of your goods. <br /> <br /> * The Full Protection insurance speaks for itself. Under this policy, lost and damaged items will be replaced and a minimum coverage amount is set. <br /> <br /> When checking out moving companies, there are things you need to consider. Ask about their liability amount for damaged and lost items. Review their contracts and see if you are comfortable with their valuation. It is also important that you feel you&rsquo;re going to be properly compensated in case of accidents. The value of their maximum coverage should closely match with your own assessment. <br /> <br /> Remember that taxes and government policies apply to this situation and eventually, it will affect how much you can claim, for better or for worse. Examine the efficiency of their system, especially in filing a claim. It&rsquo;s important that they are prompt, thorough, and up to date with their settlement. Also find out they have pending claims that have not been resolved yet. This will tell you a lot about the quality of their service.<br /> <br />urn:uuid:a4269fa8-fdf4-4d65-ace5-24419032be00We have been driving most of our lives and while we may have a spotless record, as we age, our physical strength, coordination and reaction times are changing and our mental abilities can become impaired. All of these aging signs affect our driving s...Tue, 04 Oct 2011 10:51:06 -0500We have been driving most of our lives and while we may have a spotless record, as we age, our physical strength, coordination and reaction times are changing and our mental abilities can become impaired. All of these aging signs affect our driving skills. In order to maintain that excellent driving record, follow these tips to keep you and others drivers safe. <br /> <br /> 1. Before leaving home, familiarize yourself with the route you&rsquo;ll be taking. GPS systems may be helpful during the trip, or pull off to the side of the road to consult a map. <br /> <br /> 2. Plan your trips to avoid driving during periods of heavy traffic such as morning commutes, evening commutes and lunch hours. <br /> <br /> 3. Pay close attention to road signs, pedestrians and other traffic. <a href="http://www.claudereynoldsinsurance.com/blog/Distraction_Free_Driving_It_Could_Save_Your_Life.aspx" target="_blank">Limit distractions in the car</a> such as music, conversation and other non-driving activities. <br /> <br /> 4. Maintain a safe distance between you and the car ahead of you.&nbsp; During good weather, increase the typical &ldquo;three-second rule&rdquo; to five seconds and <a href="http://www.claudereynoldsinsurance.com/blog/Driving_in_the_Rain_-_Simple_Tips_to_Keep_You_Safe.aspx" target="_blank">during inclement weather</a>, triple to nine seconds or more depending on conditions. &nbsp;<br /> <br /> 5. <a href="http://www.claudereynoldsinsurance.com/blog/Keys_to_Finding_a_Trustworthy_Car_Mechanic.aspx" target="_blank">Keep your car in good condition</a> by frequently checking and replacing the windshield wiper blades, making sure that the headlights, brake and turn-signal lights are in proper working order. <br /> <br /> <table width="100%"> <tbody> <tr> <td align="center"> <iframe width="350" height="267" frameborder="0" src="http://www.youtube.com/embed/t8GTHXTEvIc?rel=0"></iframe> </td> </tr> </tbody> </table> <br /> 6. Always wear your seat belt, even for short distances. <br /> <br /> 7. Never use your cell phone while driving. Pull off the road, into a parking lot or rest stop if you need to make or answer a call. <br /> <br /> 8. Have regular and frequent vision and hearing tests and have proper eyewear and hearing aids if needed and do not attempt to drive without them. <br /> <br /> 9. Consider taking a defensive driving course. Many are offered through senior citizen organizations or insurance carriers. Some insurance companies offer <a href="http://www.claudereynoldsinsurance.com/content/get-a-quote.aspx" target="_blank">discounts on insurance policies</a> to drivers who take these courses. <br /> <br /> 10. Make sure that driving is still safe with whatever medications you are taking. You may want to consult your doctor to discuss possible side-effects that may impair your driving skills.<br /> <br /> Lastly, when your family or friends express concern over your ability to drive, listen to their concerns and don&rsquo;t get defensive. Even though if may be difficult to do, responsible drivers accept when the time comes to restrict or end driving. Watch and listen for warning signs on your own. When driving has become increasing stressful or difficult, it might be time to hang up the keys. <br /> <br /> For caretakers, watch for signs of unacceptable driving behavior in aging relatives such as forgetting basic road rules, increased anxiety on the roads, slow reaction times, and confusion while driving. If your loved one is showing any of these signs, it might be time to speak to their doctor, drastically decrease their driving times, or eliminate access to vehicles.<br /> <br />urn:uuid:9e08802c-330e-4972-991d-e5a463339f12<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/preparing%20your%20home%20to%20sell.jpg' align='left' />If you are a home owner trying to sell in a today&rsquo;s market, you may feel like you&rsquo;ve hit the bottom of the real estate food chain. Instinct whispers to lower your price, but there are several techniques you can use when listing your home ...Thu, 29 Sep 2011 12:57:37 -0500If you are a home owner trying to sell in a today&rsquo;s market, you may feel like you&rsquo;ve hit the bottom of the real estate food chain. Instinct whispers to lower your price, but there are several techniques you can use when listing your home to generate positive interest and nail the sale. &nbsp;<br /> <br /> <img title="Preparing Your Home For Sale" alt="Preparing Your Home For Sale" style="width: 250px; height: 167px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/preparing%20your%20home%20to%20sell.jpg" />First, when you buy real estate, you&rsquo;re buying a home. When you sell real estate, you&rsquo;re selling your house. The difference between a home and a house is the emotion attached. In order to successfully detach from your home and successfully sell your house, you must first remove the emotional attachment. &nbsp;<br /> <br /> <strong>A is for Anonymous:</strong> Your home needs to look like anyone could live there. There are no &ldquo;boy rooms&rdquo; or &ldquo;girl rooms&rdquo; in an anonymous house. There are no family photos, no trophies and no souvenirs. You&rsquo;re going to end up packing everything up anyway, so start before you list it. You want buyers to be able to view your home as their own, and they can&rsquo;t do that with your giant tuba in the corner and your mother&rsquo;s doll collection in the china closet. &nbsp;<br /> <br /> <strong>B is for Buying the Listing:</strong> Next, beware of any Realtor trying to &ldquo;buy&rdquo; your listing. If you visit with three agents and two give you close price estimates and the third is much higher, the third Realtor is most likely trying to &ldquo;buy&rdquo; your listing. By convincing you they can sell your house for higher, they are more likely to get your business, but will end up talking you down later. No Realtor can actually make your home worth more than it actually is. Instead, choose an agent based on their customer service, honesty, and willingness to work with you. &nbsp;<br /> <br /> <strong>C is for Cleaning the Clutter:</strong> Get rid of it. All of it. Yes, I said all of it. Anything that detracts from the space or draws the eye should be removed. Countertops and tables should be completely clear. But keep in mind, potential buyers will be opening all cupboards and drawers, so those need to be organized and clean as well. Closets should be cleaned out and large furniture should be moved out. This may take some time and adjustment, but in order to display your space in the best light possible, it might be clear of clutter. After the clutter is gone, break out the elbow grease and a sponge. It might be worth it to hire a professional cleaning service for a one-time deep clean. From the baseboards, to the ceiling, every surface needs to be cleaned, scrubbed and shined. This process will do wonders for the overall look, feel and smell of your home. &nbsp;<br /> <br /> <strong>D is for Doors and Dogs:</strong> A potential buyer is going to open every door, drawer and light switch, make sure these are clean, free of cracks or dents and open and close easily. Make sure there isn&rsquo;t honey left on the cupboard handle and no &ldquo;jimmying&rdquo; is required at the back door. Lastly, if you have a dog, or a cat, or any furry friend living with you, do your best to minimize odors. You are probably used to Sparky&rsquo;s scent, but a potential buyer will smell that dog and head for the door. Keep litter boxes clean, let the dog stay outside more than usual, and shampoo the carpets.<br /> <br /> Even in a buyer&rsquo;s market, as a smart home owner, a little extra time on your part will pay off in the end. These tips are sure to attract the perfect buyer who can&rsquo;t wait to make your house their home.&nbsp; <br /> <br />urn:uuid:837a6737-2062-436c-8aa0-a2053ca33f6b<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/life%20insurance%20tips%20insurers%20do%20not%20want%20you%20to%20know.jpg' align='left' />Insurance companies aren't evil; they're a business like any other. It is only natural for them to look for the highest possible profits when doing business with you. Therefore, it's important that you look out for your own interests when you purchas...Tue, 27 Sep 2011 12:01:37 -0500Insurance companies aren't evil; they're a business like any other. It is only natural for them to look for the highest possible profits when doing business with you. Therefore, it's important that you look out for your own interests when you purchase life insurance. Here are seven life insurance tips that your insurance company is probably in no hurry to tell you:<br /> <br /> <img src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/life%20insurance%20tips%20insurers%20do%20not%20want%20you%20to%20know.jpg" style="width: 250px; height: 153px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" alt="Life Insurance Tips" title="Life Insurance Tips" /><strong>1. Lose the extras.</strong> Many <a target="_blank" href="http://www.claudereynoldsinsurance.com/life/insurance_quote.aspx">life insurance policies</a> include many extras that are worthless at best. Check out the padding in your insurance bill and don't get fooled by these.<br /> <br /> <strong>2. Get your own insurance.</strong> Many employers offer life insurance as part of their benefits package. You may also receive a life insurance policy along when opening joining an organization or opening a bank account. To avoid risks, use these policies to complement your own life insurance.<br /> <br /> <strong>3. Learn about churning.</strong> This kind of scam involves convincing a client to change their old insurance policy for a new one. This is often a way for an unscrupulous agent to hit you with new premiums after the value from the old policy is spent.<br /> <br /> <strong>4. Live a healthier lifestyle.</strong> There are many reasons to stop smoking, work out, and eat better. If you need one more, consider this: most insurers will charge you twice as much if you smoke. <br /> <br /> <strong>5. Look for specialty insurance if you have a particular health problem.</strong> There are some insurance companies that specialize in offering good rates to people with risks for heart disease, cancer, or other health conditions. If you have this kind of health problem, this could be a much better option.<br /> <br /> <strong>6. Know exactly how much you're paying.</strong> Don't be misled with the convenience of a monthly fee, or automatic deductions from your bank account or paycheck. Know how much your insurance is costing you and exactly what your payments are used for.<br /> <br /> <strong>7. Don't be misled by euphemisms.</strong> Many agents avoid saying the term &ldquo;life insurance&rdquo; and will disguise it with euphemisms, like &ldquo;retirement plan&rdquo; or &ldquo;tax-free mortgage protection.&rdquo; <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/The_Different_Types_of_Life_Insurance_Explained.aspx">Know exactly what you're buying</a>, and don't be misled. <br /> <br /> If you have questions about <a target="_blank" href="http://www.claudereynoldsinsurance.com/life/louisville-life-insurance.aspx">Louisville life insurance</a>, our knowledgeable agents at Claude Reynolds Insurance are here to make sure that you understand your options and <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Why_Choose_an_Independent_Agent.aspx">help you choose the right coverage for you</a>.<br />urn:uuid:a6756ecd-6ee0-4ec1-ae23-905d44dd7de0<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/auto%20insurance%20advice%20for%20young%20drivers.jpg' align='left' />Automobile insurance can either be a blessing or a curse, depending on which company you&rsquo;ve signed up with and the plan you&rsquo;ve decided to invest in. The most expensive plans aren&rsquo;t necessarily the best. When choosing the right insur...Wed, 21 Sep 2011 14:47:44 -0500Automobile insurance can either be a blessing or a curse, depending on which company you&rsquo;ve signed up with and the plan you&rsquo;ve decided to invest in. The most expensive plans aren&rsquo;t necessarily the best. When <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Top_5_Car_Insurance_Mistakes_to_Avoid.aspx">choosing the right insurance plan</a> for your car, you might want to consider the tips below.<img title="Auto Insurance Guide For Young Drivers" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/auto%20insurance%20advice%20for%20young%20drivers.jpg" style="width: 250px; height: 159px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" alt="Auto Insurance Guide For Young Drivers" /><br /> <br /> <strong>Keep your driving record clean. </strong><br /> What high school records are to admission departments of colleges and universities is what <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Four_Common_Teen_Driving_Safety_Myths.aspx">driving records</a> are (even when you were just a student driver) to automobile insurance companies. If you want the cheapest insurance rates, then you have to work hard for it from day one by steering clear of any driving violations. <br /> <br /> <strong>Driving the right car helps lower insurance rates. </strong><br /> There&rsquo;s no denying that the idea of driving a sports car or even a large SUV is extremely attractive. On the other hand, statistical data also show that drivers age 25 years old and below are a particularly bad risk for insurance companies, hence the more expensive rates than usual. The expected increase can, however, be offset with the right choice of car. Insurance companies are more likely willing to <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/5_Reasons_To_Evaluate_Your_Car_Insurance_Policy_Each_Year.aspx">lower your rates</a> when they see you&rsquo;re driving a trusty and reliable sedan or something similarly safe.<br /> <br /> <strong>Enroll in a course for defense driving.</strong><br /> You may not think you need it, but the insurance company would be happier if you take it all the same. In any case, there&rsquo;s no harm in trying something that&rsquo;s sure to benefit your driving and lower your monthly rates at the same time.<br /> <br /> <strong>Invest in safety add-ons.</strong><br /> Pimping out your car with "bling" will make it look more attractive in the eyes of your peers but not in the eyes of an insurance company. Stock seatbelts and airbags aren&rsquo;t enough. You need to invest in additional safety features like back-up sensors to make parallel parking accident-free. Anti-theft systems are also a big help. You can install an alarm system in your car. Installing one in your home also matters since it lessens the risk of having your car stolen from your garage. <br /> <br /> <strong>Listen to your parents. </strong><br /> The saying &lsquo;parents know best&rsquo; may not always be true, but in this case it is. Even if they&rsquo;re not the ones <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/A_Parents_Guide_to_Cheaper_Teen_Car_Insurance_Rates.aspx">paying for your car&rsquo;s insurance</a>, they&rsquo;re still likely to have more experience than you do with automobile insurance. Whatever tips they may want to share will be given out of concern on your behalf so why ignore them?<br /> <br /> Talk with one of our agents at Claude Reynolds Insurance to find out how much you can save on teen car insurance or get a free instant <a target="_blank" href="http://www.claudereynoldsinsurance.com/automobile/auto-insurance-quote.aspx">Louisville auto insurance quote</a> right now.<br /> <br />urn:uuid:8c40324c-dc21-416e-9316-04b8ae5685a1<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/will%20your%20homeowners%20insurance%20cover%20water%20damage.jpg' align='left' />Every year, a great number of home insurance claims related to water damage are rejected. If you are having trouble understanding to what extent your insurance covers water damage, this is a good guideline: most of the time the damage caused to the h...Tue, 20 Sep 2011 11:43:41 -0500Every year, a great number of home insurance claims related to water damage are rejected. If you are having trouble understanding to what extent your insurance covers water damage, this is a good guideline: most of the time the damage caused to the home by the actual water is <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Homeowners_Insurance_5_Things_To_Consider_Before_Purchasing_Your_Policy.aspx">insured by most policies</a>. However, repairing the thing that caused the water damage in the first place may not be covered by your insurance. Here are six things to remember when dealing with homeowner's insurance and water damage:<br /> <br /> <img src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/will%20your%20homeowners%20insurance%20cover%20water%20damage.jpg" style="width: 200px; height: 286px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" alt="Is Water Damage Covered By My Homeowners Insurance" />1. Most insurers will cover you if you water pipes rupture because of the cold weather, resulting in your whole house being covered with water. However, many insurance claims related to frozen pipes are rejected each year. This is because insurance companies require you to drain and cover the pipes if you will be leaving the house, and ensuring that their temperature stays above ten degrees below zero. Failure to do so gives the insurance company grounds to deny your claim, since you would be at fault for the water damage.<br /> <br /> 2. If an appliance fails, like a dishwasher or washing machine, and causes water damage to your property, things can get tricky. The insurance will cover the damage caused by the water; however, they will probably not cover repairs for the appliance that caused the flooding. The <a href="http://www.claudereynoldsinsurance.com/blog/Keys_to_Getting_Your_Insurance_Claim_Approved.aspx" target="_blank">insurance company may deny your claim</a> if they can prove that the device that caused the flood was not properly maintained. <br /> <br /> 3. Damage to your home resulting from water seepage is usually not covered. Homeowner's insurance is meant to protect people from sudden accidents. Water damage resulting from seeping groundwater is considered a maintenance problem. <br /> <br /> 4. Likewise, if water enters your home from a rainstorm, most insurers would probably not pay for your roof repairs, as this is considered a maintenance problem. However, your insurance would cover any water damage from the water that entered your home. To better illustrate this point, if the damage to your roof was not caused by the rain but by an extraordinary circumstance (such as a falling tree or a meteor,) then your homeowner's insurance would cover roof repair as well.<br /> <br /> 5. Most homeowner's insurance policies will not cover flooding from backed up sewers. In fact, many policies specifically exclude it. If you feel you may need this kind of coverage, many insurers offer it with an additional cost.<br /> <br /> 6. Remember, homeowner's insurance will not cover water damage from a flash flood, or from a flood from overflowing river banks. For these cases you would need <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/What_Everybody_Should_Know_About_Flood_Insurance.aspx">flood insurance</a>, which is a different thing altogether.<br /> <br /> To learn more about <a href="http://www.claudereynoldsinsurance.com/homeowners/louisville-home-insurance.aspx" target="_blank">Louisville home insurance</a>, ask the agents at Claude Reynolds Insurance! They will make sure you have the right homeowners insurance policy for your situation.<br /> <br />urn:uuid:c631081c-c17f-4712-ab2d-c439e7c73f86<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/insure%20your%20boat%20in%20the%20off%20season.jpg' align='left' />Chances are that you only use your boat in the boating season, usually when the warmer temperatures arrive. Many boat owners may consider only getting boat insurance during the boating season. After all, chances are that you just use your boat on wee...Thu, 15 Sep 2011 13:17:58 -0500Chances are that you only use your boat in the boating season, usually when the warmer temperatures arrive. Many boat owners may consider only getting boat insurance during the boating season. After all, chances are that you just use your boat on weekends a few months per year. However, here are some reasons why you may want to consider keeping your <a href="http://www.claudereynoldsinsurance.com/boat/watercraft_insurance_quote.aspx" target="_blank">boat insurance</a> year-round. <br /> <br /> <img title="Insure Your Boat In The Off Season" alt="Insure Your Boat In The Off Season" style="width: 250px; height: 167px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/insure%20your%20boat%20in%20the%20off%20season.jpg" />1. About 20% of all boat insurance claims don't happen near the peak boating season. Many things can go wrong with your boat when it's not being used. Dropping your boat insurance in the off-season is an easy way to get caught with your pants down, potentially losing thousands of dollars.<br /> <br /> 2. There is no off-season for theft or vandalism. The most likely time for your boat to get stolen, or vandalized, is precisely when it isn't in use. Your boat insurance will protect you in case your boat gets stolen or vandalized while in storage. <br /> <br /> 3. Natural disasters and accidents happen. Many off-season boat insurance claims are due to damage from flooding or fire. While your boat is in storage, it is still vulnerable to damage from natural disasters or an unforeseen event. Some boat owners may opt to have their homeowner's insurance cover this kind of event, as well as theft. However, there are many things that can go wrong with a boat that are not covered by homeowner's insurance. <br /> <br /> 4. Whether you store your boat in a marina or in your yard, you may want to rethink any decisions to cancel your boat insurance while it's not being used.<br /> <br /> 5. You are still liable if no one is driving the boat. You can be liable for injuries that occur near your boat, or while the boat was unattended. Your boat insurance can protect you from having to pay expensive medical bills in case there is an <a href="http://www.claudereynoldsinsurance.com/blog/Boating_Safety_6_Tips_to_Keep_You_Safe_This_Summer.aspx" target="_blank">injury near or on your boat.</a><br /> &nbsp;<br /> 6. It can actually be cheaper in the long run to keep your boat insurance all year. Most <a href="http://www.claudereynoldsinsurance.com/default.aspx" target="_blank">insurance companies</a> will reward you for keeping your boat insurance the whole year round. This kind of reward usually is related to reductions in the deductible for each claim-free period. After a while without any insurance claims, chances are that you may have no deductible, or that it may be very low. If you cancel your policies after every boat season, chances are that when it comes time to make a <a href="http://www.claudereynoldsinsurance.com/blog/Keys_to_Getting_Your_Insurance_Claim_Approved.aspx" target="_blank">claim on your insurance</a> you will be paying the full amount.<br /> <br />urn:uuid:e07cefe3-ceb9-4406-a7a0-bb57df22e932<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/what%20to%20consider%20before%20buying%20homeowners%20insurance.jpg' align='left' />Homeowner&rsquo;s insurance isn&rsquo;t a luxury but a necessity. A lot of mortgage companies will not give out a loan or finance a real estate transaction unless a buyer gives proof of coverage for the fair value or full insurance of the property. S...Tue, 13 Sep 2011 14:04:05 -0500<a href="http://www.claudereynoldsinsurance.com/homeowners/louisville-home-insurance.aspx" target="_blank">Homeowner&rsquo;s insurance</a> isn&rsquo;t a luxury but a necessity. A lot of mortgage companies will not give out a loan or finance a real estate transaction unless a buyer gives proof of coverage for the fair value or full insurance of the property. Shopping for a home insurance coverage is perhaps one of the nagging home buying details that oftentimes manage to slip through the cracks. <br /> <br /> <img title="What To Consider Before Buying Homeowners Insurance" alt="What To Consider Before Buying Homeowners Insurance" style="width: 250px; height: 179px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/what%20to%20consider%20before%20buying%20homeowners%20insurance.jpg" />It is pretty normal for insurance agents to receive frantic phone calls from escrow companies asking for a home insurance binder. Here are some of the things that you need to consider when purchasing a home insurance policy to help you save time and money.<br /> <br /> <strong>Determine the insurability of your home.<br /> </strong> <br /> An insurance agent will need a lot of <a href="http://www.claudereynoldsinsurance.com/blog/How_is_My_Homeowners_Insurance_Premium_Determined.aspx" target="_blank">information about your house</a> to come up with the best quote. To determine the insurability of your home, the agent can ask:<br /> <br /> &bull; The year the house was built<br /> &bull; Type of roofing<br /> &bull; Square footage<br /> &bull; Location<br /> &bull; Claims that have been filed over the last five years<br /> &bull; Plumbing and electrical systems<br /> <br /> <strong>Save by choosing a higher deductible.</strong><br /> <br /> Save money by getting a higher deductible on your policy. Insurance firms may start giving discounted rates at a $500 deductible. There are companies that offer deductibles up to $10,000. However, most mortgage firms don't allow you to exceed the $1,000 deductible so make sure you check with your lender first.<br /> <br /> <strong>How much home insurance do you need</strong>?<br /> <br /> If you purchase a home that has a large lot, then expect to receive an insurance policy that is less than what you paid for the house. The replacement cost coverage means that every insurance firm designates a percentage aside from the insured amount. This is made to protect a homeowner who has suffered a loss from paying construction cost to rebuild. <br /> <br /> <strong>Know your policy options. </strong><br /> <br /> There are parts of your insurance policy that can be tailored. The liability coverage is a part of a homeowner&rsquo;s insurance policy that is often overlooked. This coverage protects the insured against various <a href="http://www.claudereynoldsinsurance.com/blog/The_Ultimate_Guide_to_Summer_Safety.aspx" target="_blank">claims from physical injury and property damage</a> to other people. For example, if your kid plays with matches and sets your neighbor&rsquo;s property on fire, the liability coverage will pay for the damage done.<br /> <br /> <strong>Know all the discounts available.</strong><br /> <br /> Get all the credits for which you are eligible. If you have an <a href="http://www.claudereynoldsinsurance.com/blog/Protect_Yourself_Against_Home_Burglary.aspx" target="_blank">alarm system</a>, you can get up to 10% discount. Insurance firms have various names for age-preference policies like a senior discount or mature policy holder. Multi policy discounts are also popular and involve combining two policies within the same company. For instance, you can have your home and auto insurance under a single company.<br /> <br /> Be sure you know all there is to know about your Louisville homeowners insurance by asking the agents at Claude Reynolds Insurance. Find out how much we can help you save on your home insurance!<br /> <br />urn:uuid:48bab666-1cc4-4db9-a489-d7dd1ea5a15f<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/can%20i%20borrow%20your%20car.jpg' align='left' />"Hey, can I borrow your truck on Saturday?" Without a second thought, most people would toss over the keys to allow their friends or family to borrow their vehicles. While these situations are usually harmless, what happens when they end with a cra...Fri, 02 Sep 2011 12:32:02 -0500<strong>"Hey, can I borrow your truck on Saturday?" </strong><br /> <br /> Without a second thought, most people would toss over the keys to allow their friends or family to borrow their vehicles. While these situations are usually harmless, what happens when they end with a crash? When the insurance companies get involved, this situation can end up anything but harmless. &nbsp;<br /> <br /> <img title="Can I Borrow Your Car?" alt="Can I Borrow Your Car?" style="width: 250px; height: 207px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/can%20i%20borrow%20your%20car.jpg" />Generally speaking, the insurance policy travels with the vehicle, not the driver. Therefore, the vehicle owner's policy will assume most <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Keys_to_Getting_Your_Insurance_Claim_Approved.aspx">claims</a>. If the owner's policy is not enough, the driver's policy may kick in as a backup to make up the difference. &nbsp;<br /> <br /> <strong>"Well, he said I could borrow it last month, so I'm sure it's OK today."</strong> In order for the <a href="http://www.claudereynoldsinsurance.com/automobile/louisville-auto-insurance.aspx" target="_blank">vehicle owner's policy</a> to cover any damages, the driver must receive explicit permission from the policy holder. The only exception to this rule is if the driver is an adult member of the immediate family by blood, marriage or adoption. So, your buddy must have permission to borrow your truck, but your daughter does not. &nbsp;<br /> <br /> <strong>"It's just for today...and maybe tomorrow...I'll definitely have it back to you by next week."</strong> It is also important to remember, most auto policies will cover the occasional, lend-me-your-car-type of scenario, but they will not cover a driver who has been using the car for several weeks. If someone is going to be borrowing your car frequently, or on an extended basis, they need to be added onto your policy. &nbsp;<br /> <br /> <strong>"Ok, but it's the company truck, so be extra careful."</strong> Lending your company car is not OK and will only complicate things in the long run. Allowing someone else to drive a vehicle issued by your employer is most likely a violation of the company's <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Do_I_Need_Commercial_Auto_Insurance.aspx">commercial auto insurance policy</a>, which means the insurance company will not cover anything. &nbsp;<br /> <br /> <strong>"I just got my license, ask your mom if we can borrow the car to go to school."</strong> Before allowing anyone under the age of 25 to drive your vehicle, check with your insurance company.&nbsp; Some policies will not cover any damages for an "uninsured" driver who is underage. This can sometimes include your own children, so be sure to add them to your policy as soon as they come home with that dreaded <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Four_Common_Teen_Driving_Safety_Myths.aspx">learners permit</a>.<br /> <br /> <strong>"Dude, have you seen my car?"</strong> As soon as you notice your car is missing without your permission, notify the police. If your car is in an accident, even if it was stolen or is being driven without your knowledge, you could still be held liable for damages. &nbsp;<br /> <br /> It is not possible to notify your <a href="http://www.claudereynoldsinsurance.com/default.aspx" target="_blank">insurance company</a> of every person who may borrow your car at some point in time. So take the time to review your policy so you know what actions are in violation, and before you toss over the keys, consider whose hands they are falling into.<br /> <br />urn:uuid:273f346d-ce27-4f2b-aaf5-cd64f4623a22<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/questions%20to%20ask%20before%20renting%20an%20apartment.png' align='left' />In terms of location, you probably have your own reasons for choosing to find apartments for rent in a specific city or town in Kentucky. Factors like location are something that&rsquo;s easy to research, but if it&rsquo;s the apartment itself in que...Wed, 31 Aug 2011 12:54:23 -0500In terms of location, you probably have your own reasons for choosing to find apartments for rent in a specific city or town in Kentucky. Factors like location are something that&rsquo;s easy to research, but if it&rsquo;s the apartment itself in question then you should definitely take the time to visit the site and ask your prospective landlord the questions listed below.<img title="Questions To Ask Before Renting An Apartment" alt="Questions To Ask Before Renting An Apartment" style="width: 250px; height: 188px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/questions%20to%20ask%20before%20renting%20an%20apartment.png" /> <br /> &nbsp; <br /> <strong>1. What is its history?</strong><br /> <br /> How many owners has the apartment had? Has there been any incident in the past that led to the apartment suffering from serious structural damage? <br /> <br /> <strong>2. How much is the initial payment?</strong> <br /> <br /> It&rsquo;s normal for landlords to ask for a one to three months deposit or an advance on your rent. Sometimes, there are landlords who ask for both. Make sure to ask how much exactly your future landlord is expecting you to cough up and what exactly it is for. Don&rsquo;t forget to ask if the deposit is refundable and lastly, get everything in writing. <br /> <br /> <strong>3. What are the rules or policies that you and other tenants have to follow?</strong><br /> <br /> Don&rsquo;t be mistaken into thinking that a landlord who has absolutely no rules at all is the better option. If something goes wrong, such as when another tenant or the landlord himself lets trespasses in your area, the lack of rules may prevent you from expecting any kind of help from your apartment&rsquo;s owner. <br /> <br /> Learn what the rules are and be sure to ask questions that particularly concern your situation but have not been addressed. If the landlord doesn't have any policies about pets and you have a German shepherd, better ask about that before making any payment.<br /> <br /> <strong>4. Who pays for what?</strong><br /> <br /> Is <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/4_Simple_Tips_To_Lower_Your_Energy_Bill.aspx">electricity</a> and water included in your rent? What if the heating system doesn&rsquo;t work or one of the pipes in your kitchen bursts? Who pays for the cost of repair or installation of new equipment?<br /> <br /> <strong>5. Is it insured?</strong><br /> <br /> Lastly, check if your prospective landlord has insured the property, including your unit. If it is, find out what&rsquo;s included in the coverage and determine if you need to obtain <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog.aspx">additional insurance</a>. Even if you&rsquo;re only planning to stay a short period of time in the apartment, it&rsquo;s still better to be safely insured than not.<br /> <br /> Make sure you know all there is to know about your <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/How_Renters_Insurance_Can_Save_You_Money.aspx">Louisville renters insurance</a>. Ask the agents at Claude Reynolds Insurance!<br /> <br />urn:uuid:31c66d73-7b55-4673-941f-4747761227c0<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/insurance%20mistakes%20to%20avoid.jpg' align='left' />When shopping for auto insurance, the first important thing to remember is that the lowest or even the highest rates don&rsquo;t always mean they&rsquo;re the most suitable insurance policy for your car. Take the time to understand how auto insurance...Thu, 25 Aug 2011 10:49:42 -0500When shopping for auto insurance, the first important thing to remember is that the lowest or even the highest rates don&rsquo;t always mean they&rsquo;re the most suitable <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/First_Time_Auto_Insurance_Buyers_Guide.aspx">insurance policy for your car</a>. Take the time to understand how auto insurance policies differ and find out exactly what type of protection your car is in need of.<img src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/insurance%20mistakes%20to%20avoid.jpg" style="width: 250px; height: 188px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" alt="Insurance Mistakes To Avoid" title="Insurance Mistakes To Avoid" /><br /> <br /> <strong>1. You don&rsquo;t bother finding out what&rsquo;s included in the package.</strong><br /> Think coverage. Do they cover damages for yourself and your car if it turns out that the accident&rsquo;s your fault? For that matter, do you think you&rsquo;ll need that kind of protection? When considering what type of coverage you&rsquo;d like your insurance policy to include, take into account the condition of your car, your driving skills (be honest with yourself about this), and whether you&rsquo;re <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Do_I_Need_Commercial_Auto_Insurance.aspx">driving the car for business</a> or personal purposes. <br /> <br /> <strong>2. You lie about your driving history.</strong><br /> Speaking of <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/How_Your_Spouses_Bad_Driving_Record_Can_Affect_Your_Car_Insurance.aspx">driving skills</a>, if you&rsquo;re thinking of lying to an insurance company about your driving history then you should know that they always double-check information provided by clients. They&rsquo;ll find out you&rsquo;re lying sooner or later, and that may influence them into giving you a more expensive rate than usual. <br /> <br /> <strong>3. You don&rsquo;t look for ways to get a discount.</strong><br /> Most &ndash; if not all &ndash; people are entitled to <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/A_Parents_Guide_to_Cheaper_Teen_Car_Insurance_Rates.aspx">discounts on auto insurance</a>. It&rsquo;s just a matter of finding the right way or the right company to ask about it. If your home insurance provider is also selling car insurance, you can ask for a &ldquo;bundled&rdquo; package and enjoy discounted rates as a result. If not, ask your prospective insurance company what discount programs they&rsquo;re currently offering and see if you&rsquo;re eligible for any of them. <br /> <br /> <strong>4. You don&rsquo;t pay on time.</strong><br /> This is literally one of the costliest mistakes you can make. Paying late or, worse, missing out on one or two months&rsquo; payments won&rsquo;t just cause a terrible stain on your <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Will_My_Credit_Rating_Affect_My_Insurance_Rates.aspx">credit history</a>. It may also force your insurance company to increase your monthly rates, which is well within their legal rights to do so. <br /> <br /> <strong>5. You don&rsquo;t bother asking for quotes. </strong><br /> Asking for a quote may seem like something automatic for insurance shopping drivers to do, but surprisingly enough many people neglect this step entirely. In fact, a recent survey by J.D. Power &amp; Associates reveals that only 1/3 of auto insurance policyholders actually took the time to <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/5_Reasons_To_Evaluate_Your_Car_Insurance_Policy_Each_Year.aspx">ask for a car insurance quote</a> in the past year. <br /> <br /> The <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Local_Agent_vs_Internet_Which_Is_Best_For_Insurance.aspx">auto insurance business is very competitive</a>, with companies trying to best each other in giving clients the better package. You owe it to yourself to take advantage of this. Start asking for quotes today, and you&rsquo;re sure to have a high-value but reasonably priced car insurance policy in no time.<br /> <br />urn:uuid:c93a94c5-5a4a-44aa-9603-86a6f8cb7d9b<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/adjusting%20your%20car%20insurance%20policy.jpg' align='left' />Every year most Americans go to the dentist and pay their taxes. However, most Americans do not take the time once a year to evaluate and adjust their car insurance policy. The policy you purchased three, five or even ten years ago is most likely not...Tue, 23 Aug 2011 13:31:47 -0500Every year most Americans go to the dentist and pay their taxes. However, most Americans do not take the time once a year to evaluate and adjust their <a href="http://www.claudereynoldsinsurance.com/automobile/louisville-auto-insurance.aspx" target="_blank">car insurance policy</a>. The policy you purchased three, five or even ten years ago is most likely not the same policy you need today. Evaluating and <a target="_blank" href="http://www.claudereynoldsinsurance.com/automobile/auto-insurance-quote.aspx">adjusting your car insurance policy</a> can save you money and ensure that you have the necessary coverage you need.<img title="Adjusting Your Auto Insurance Policy" alt="Adjusting Your Auto Insurance Policy" style="width: 250px; height: 167px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/adjusting%20your%20car%20insurance%20policy.jpg" />&nbsp; <br /> <br /> A good time to evaluate your policy is the same month your policy renews. When you receive your policy renewal in the mail, take the time to review these key points you may want to consider adjusting: <br /> <br /> <strong>1. How much are you driving?</strong> Perhaps you have a different job, you quit your job, or you relocated. Any major changes to your annual miles driven should be reported and updated to your agent. &nbsp;<br /> <br /> <strong>2. Uninsured motorist coverage.</strong> In order to reduce the risk of getting stuck with someone else&rsquo;s bill after an accident, consider adding uninsured or underinsured motorist coverage to your policy if you don&rsquo;t already have it. <br /> <br /> <strong>3. Adjust your limits.</strong> Consider the rising cost of medical care, <a href="http://www.claudereynoldsinsurance.com/blog/3_Essential_Tips_When_Buying_a_New_Car.aspx" target="_blank">cost of your car</a>, and changes in your <a href="http://www.claudereynoldsinsurance.com/blog/Distraction_Free_Driving_It_Could_Save_Your_Life.aspx" target="_blank">driving habits</a>. You may need to <a href="http://www.claudereynoldsinsurance.com/blog/How_Your_Spouses_Bad_Driving_Record_Can_Affect_Your_Car_Insurance.aspx" target="_blank">adjust your limits</a> to reduce your exposure. &nbsp;<br /> <br /> <strong>4. Budget for deductibles.</strong> Review your budget for the year and adjust your deductible accordingly. You may have received a raise, or you might be living on less. Regardless, your deductible needs to fit in your budget. As the years go by, your ability to support your deductible may change so be sure to evaluate and keep your deductible at an accurate level for your budget. &nbsp;<br /> <br /> <strong>5. Additions/Upgrades to your car.</strong> Sometimes, you can get discounts when you add anti-theft devices such as alarms or steering wheel locking devices to your car. In addition, if you add any upgrades or additions to your vehicle, you may want to increase your coverage. &nbsp;<br /> <br /> The next time your car insurance policy is getting ready to renew, take the time to go over your policy and adjust it so that it works with your current life&mdash;not the one you had the day you <a href="http://www.claudereynoldsinsurance.com/blog/A_Parents_Guide_to_Cheaper_Teen_Car_Insurance_Rates.aspx" target="_blank">bought your first car</a>. <br /> <br />urn:uuid:be3bae12-9075-4c80-80c0-7c816ba247b6<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/protecting%20your%20home%20from%20burglary.jpg' align='left' />Whether you are just returning from a sunny, tropical paradise or from Grandma&rsquo;s cozy kitchen, the last thing you want to find when you come home is that you have been a victim of burglary. But that is what happens to someone in the United Stat...Wed, 17 Aug 2011 10:50:55 -0500Whether you are just returning from a sunny, tropical paradise or from Grandma&rsquo;s cozy kitchen, the last thing you want to find when you come home is that you have been a victim of burglary. But that is what happens to someone in the United States every 14.6 seconds. Burglary accounts for more than 75% of all property crimes in the US. So what can you do to protect yourself and your home? <br /> <img title="Protecting Your Home Against Burglary" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/protecting%20your%20home%20from%20burglary.jpg" style="width: 250px; height: 168px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" alt="Protecting Your Home Against Burglary" /> <ul> <li>Outside your home, install exterior lights that work on a timer or photo cell, and perhaps install some lights with motion-sensors which can startle trespassers enough to scare them off. </li> <br /> <li>If you are leaving home for more than a day or two, ask a neighbor or friend to mow the lawn during summer or to shovel walks and driveways during winter so that it looks like someone is home. </li> <br /> <li>Post offices will hold your mail or ask a neighbor to collect it for you; stop your newspaper deliver and ask someone to remove any flyers from your door. </li> <br /> <li>Further protect the exterior of your home by keeping the trees and shrubs trimmed around doors and windows so that burglars are not shielded from sight, allowing them time to gain entry.</li> <br /> <li>Have good solid locks and remember to always use them. More than half of intruders gain access through unlocked doors. Don&rsquo;t keep an extra key on the property either, as criminals can find them fairly easily.</li> <br /> <li>If you have a security system, become comfortable using it and turn it on whenever you leave. Of <a href="http://www.claudereynoldsinsurance.com/blog/How_is_My_Homeowners_Insurance_Premium_Determined.aspx" target="_blank">homes with security systems</a> that were burglarized, 41% were not activated. Most alarm companies have trial settings which allow you to familiarize yourself with your system without setting it off.</li> <br /> <li>Inside your home, place several lamps on inexpensive timers which are available at most supermarkets and home improvement stores. Stagger the times for the <a href="http://www.claudereynoldsinsurance.com/blog/4_Simple_Tips_To_Lower_Your_Energy_Bill.aspx" target="_blank">lights to turn on and off</a> and place the lamps near windows which are visible from the street or backyard.</li> <br /> <li>Leaving your blinds or curtains tightly shut can signal that you are not home, so in some rooms, slightly open window coverings. Choose rooms that do not have high-priced target items in them. </li> <br /> <li>Finally, don&rsquo;t advertise your absence through social media or to a lot of people. Tell only trusted friends and neighbors that you will be gone so they can keep a watchful eye over your property. </li> </ul> Doing these few simple things will greatly increase your chances of returning to safe and secured home.<br /> <br />urn:uuid:ba9bd42a-3912-4928-98f0-29e8a8fa3973<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/local%20agent%20vs.%20online%20quote.jpg' align='left' />Choosing a suitable insurance company has become less time-consuming as you can now simply go online and browse several company websites to compare services in the comfort of your own home. Being able to shop for insurance online has also made gettin...Thu, 11 Aug 2011 12:21:11 -0500Choosing a suitable insurance company has become less time-consuming as you can now simply go online and browse several company websites to compare services in the comfort of your own home. Being able to shop for insurance online has also made getting insurance quotes both easy and fast. With the availability of insurance quotes on the Internet, gone are the days when you actually have to meet with an agent to get a quote or purchase a policy.<br /> &nbsp;<br /> <img title="Local Agent vs. Online Quote" alt="Local Agent vs. Online Quote" style="width: 250px; height: 166px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/local%20agent%20vs.%20online%20quote.jpg" />However, both methods have their own advantages and disadvantages. For example, it is hard to establish the sense of a business relationship with an online company. With a local agent, you see and feel that you are dealing with a real person and that a solid business relationship can develop over time. They can readily offer their services and assistance if they find issues with your policy that may need tweaking. They can also advise you on the type of coverage that will be most beneficial for your situation and how you can get the best deals on your insurance premiums. <br /> <br /> While you think one is better than the other, it helps to know the things that set them apart. There are certain benefits to getting an insurance policy online. Since you can find plenty of insurance companies on the Internet, this gives you an abundance of choices. You can shop around without having to brave the traffic as you can perform the search and a get a quote right where you are. <br /> <br /> Opting to purchase your insurance from an online company means that you don&rsquo;t have to set an appointment to meet with a local agent or spend a lot of time discussing the details. It also allows you to take a look at the many different insurance products during your free time, may it be night or day. <br /> <br /> Choosing a <a href="http://www.claudereynoldsinsurance.com/blog/Why_Choose_an_Independent_Agent.aspx" target="_blank">local agent</a> to manage your insurance needs has its own advantages, as well. A local agent will be better equipped to elaborate on the key features of a good insurance policy and can help you come up with a more sound decision. They can also recommend a product that is more suitable to your current situation and insurance needs. <br /> <br /> In the end, your decision should be based on who is able to provide you with an insurance quote, insurance policy, and relationship that is the best fit for you.<br /> <br /> Get the best of both worlds with Claude Reynolds Insurance! Get a free <a href="http://www.claudereynoldsinsurance.com/content/get-a-quote.aspx" target="_blank">Louisville insurance quote</a> online, <a href="http://www.claudereynoldsinsurance.com/locations.aspx" target="_blank">visit our office</a>, or give us a call to speak to one of our agents. As an Independent Insurance Agency we represent some of the <a target="_blank" href="http://www.claudereynoldsinsurance.com/content/our-companies.aspx">top insurance companies</a> and can compare your auto, home, or business insurance rates and coverages with each of these companies to ensure you get the best value on your insurance.<br /> <br />urn:uuid:43d4718f-17eb-4092-b177-80b482cd4209<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/how%20much%20life%20insurance%20do%20i%20need.jpg' align='left' />For many, life insurance is a love-hate relationship. Some individuals love the peace of mind they have knowing their family is taken care of if anything should happen to them. Others hate even thinking about the inevitability of death and turn their...Tue, 09 Aug 2011 11:52:50 -0500For many, life insurance is a love-hate relationship. Some individuals love the peace of mind they have knowing their family is taken care of if anything should happen to them. Others hate even thinking about the inevitability of death and turn their cheek to the issue entirely. &nbsp;<br /> <br /> <img title="Determining How Much Life Insurance to Carry" style="width: 250px; height: 166px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/how%20much%20life%20insurance%20do%20i%20need.jpg" alt="Determining How Much Life Insurance to Carry" />Regardless of emotions, if you come home from work to loved ones who are depending on you, you should have a life insurance policy. But determining how much life insurance to carry can be a daunting task. A few basic principles will help you make the right decision for your family and give you the peace of mind of a smart decision. &nbsp;<br /> <br /> It is important to keep in mind the purpose of life insurance. If you die, the death benefit to your survivors should be enough so they can maintain the same living standard you currently enjoy. <a href="http://www.claudereynoldsinsurance.com/blog/The_Different_Types_of_Life_Insurance_Explained.aspx" target="_blank">Life insurance</a> is a unique product because there is no cookie cutter policy that works for everyone. This is the only type of insurance that you can use for others after you pass on, so it is crucial to look at the following individual family needs:&nbsp; &nbsp;<br /> <br /> <strong>a. How much debt you have:</strong> Even though you will, debtors never die.&nbsp; Upon your passing, all of your debts must be paid off in full. This includes your mortgage, car loans, and any outstanding credit cards that are in your name.&nbsp; &nbsp;<br /> <br /> <strong>b. Income Replacement:</strong> If you are the only provider for your dependents, you will need a policy payout that is large enough to replace your income for at least one year, plus a little extra to guard against inflation.<br /> <br /> <strong>c. Future Obligations:</strong> In addition to funeral expenses, consider your spousal needs, child&rsquo;s college tuition, future weddings, etc. <br /> <br /> <strong>d. Your Age:</strong> Contrary to popular belief, you actually need more insurance when you have a young family than as you grow older. When you have young children, the insurance policy has more responsibility to cover decades of future earnings that will be lost if you die. As you get older, you can gradually decrease coverage because you have fewer years of earnings to make up for, your spouse has more assets to live off of and fewer years of life remaining, and your children are closer to being on their own.<br /> <br /> The answer to the question, &ldquo;How much life insurance should I take out?&rdquo; is often met with another question, &ldquo;How much life insurance do you need?&rdquo; This is because the magic answer is one that only you can determine for yourself.<br /> <br /> To learn more about how to determine the right amount of <a href="http://www.claudereynoldsinsurance.com/life/louisville-life-insurance.aspx" target="_blank">Louisville life insurance</a> for your situation contact us at Claude Reynolds Insurance.<br /> <br /> <br />urn:uuid:f7ec097f-88d4-478a-927a-025f26f3d31a<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/driving%20at%20night.jpg' align='left' />Driving at night is significantly more dangerous and although there are generally less cars on the road at night, traffic death rates are three times greater at night than during the day, according to the National Safety Council. Yet many of us make ...Wed, 03 Aug 2011 12:37:14 -0500Driving at night is significantly more dangerous and although there are generally less cars on the road at night, traffic death rates are three times greater at night than during the day, according to the National Safety Council. Yet many of us make no changes to our driving when the sun goes down. After dusk, vision is severely limited, depth perception, color recognition, and peripheral vision are compromised, reaction times are slowed, and most people are tired after a long day of being awake.<img src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/driving%20at%20night.jpg" style="width: 250px; height: 201px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" alt="Safe Driving at Night" title="Safe Driving at Night" /><br /> <br /> <ol> <li>The most important thing to reduce night time accidents is ensuring that your car is visible. This means making sure that all exterior lighting is not only working, but is cleaned off and visible from oncoming traffic. Having clean lights as well as clean windows is pivotal for night time driving. Clean windows, including your windshield and all side windows reduces distraction, glare, makes side mirrors easier to use and will allow you to focus more on the road than trying to see through a smeared <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Insurance_Claims_for_Windshield_Cracks_To_Submit_or_Not_to_Submit.aspx">windshield</a>. &nbsp; </li> <br /> <li>Driving at night requires a little <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Distraction_Free_Driving_It_Could_Save_Your_Life.aspx">more attention and concentration</a> than daytime driving. When driving at night, reduce your speed and keep your eyes at least 4-5 seconds ahead of you. Because your reaction time is limited, extending your focal point is essential. Keep your focal point moving by shifting your eyes from side to side. Looking around will help avoid "highway hypnosis" which can lead to drowsy drivers. </li> <br /> <li>Most drivers make the mistake of flashing their lights to oncoming cars for not turning off their high beams. This can be a tragic mistake. Instead, focus on the white line to the right until the driver passes by, this will avoid glare and a possible head on collision. If you're receiving glare from your back windshield caused by another driver following too closely, pull off the side of the road and allow them to pass. If streetlights cause a lot of glare, dim your dashboard lights and avoid using any other light inside your vehicle.</li> <br /> <li> The best tip of all is to take a heavy dose of common sense and drive only when you are fully alert and able to pay attention to the road. If you're on a <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/10_Ways_to_Make_Your_Next_Family_Road_Trip_the_Best_Ever.aspx">road trip</a>, don't hesitate to pull into a rest stop or a motel to catch a few Z's before heading on your way. </li> </ol> <br /> Have questions about your auto insurance policy? We're here to take care of all your <a target="_blank" href="http://www.claudereynoldsinsurance.com/automobile/louisville-auto-insurance.aspx">Louisville auto insurance</a> needs. Give us a call at (502) 933-2255 to speak to one of our agents or get a free, instant <a target="_blank" href="http://www.claudereynoldsinsurance.com/automobile/auto-insurance-quote.aspx">auto insurance quote</a> online from Claude Reynolds Insurance.<br /> <br />urn:uuid:577d885b-c8b4-4f48-a32f-52801c584d00<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/protecting%20your%20family%20from%20carbon%20monoxide.jpg' align='left' />Carbon Monoxide (CO) is a deadly substance that can kill a person in a few minutes. Carbon monoxide is produced by burning fuel. Carbon monoxide poisoning can become a domestic hazard with appliances that burn gas, oil, kerosene, charcoal, and other ...Mon, 01 Aug 2011 14:18:36 -0500Carbon Monoxide (CO) is a deadly substance that can kill a person in a few minutes. Carbon monoxide is produced by burning fuel. Carbon monoxide poisoning can become a domestic hazard with appliances that burn gas, oil, kerosene, charcoal, and other similar fuels. Carbon monoxide can also be produced by a car's engine. <br /> <br /> There are thousands of deaths each year due to malfunctioning appliances and by breathing carbon monoxide fumes from an idling car in an enclosed space. Follow these guidelines to keep your family safe from carbon monoxide.<img title="Protecting Your Family From Carbon Monoxide" alt="Protecting Your Family From Carbon Monoxide" style="width: 250px; height: 168px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/protecting%20your%20family%20from%20carbon%20monoxide.jpg" /><br /> <ul> <li>Carbon monoxide is colorless and odorless. So you should be on the watch for the initial symptoms of carbon monoxide poisoning, especially if you have fuel-burning appliances at home. These symptoms include nausea, headaches, and shortness of breath. Dangerous levels of carbon monoxide also include dizziness, fainting, and confusion. Mild nausea, shortness of breath, and headaches for long periods of time may indicate that you are being exposed to carbon monoxide in your home. </li> </ul> <ul> <li>If you suspect your family is exposed to carbon monoxide, leave the house immediately and get fresh air. Never ignore the symptoms of carbon monoxide poisoning; you may pass out before you get a chance to leave. Get medical attention at once. </li> </ul> <ul> <li>If you have fuel-burning appliances at home, make sure that they are inspected by an expert before the heating season. Also check your chimney to make sure it is not blocked. </li> </ul> <ul> <li> Make sure that any fuel-burning appliances inside your home have a vent to the exterior of the house. Have them installed by an expert and follow the maintenance instructions rigorously. Carefully read all instructions and documentation accompanying any fuel-burning appliances. Follow all safety precautions and never use a fuel that is not appropriate for the appliance in question.</li> </ul> <ul> <li>If you must use an unvented fuel-burning appliance, crack a door or window to make sure that fresh air circulates through the room. You should never sleep in the same room as an unvented fuel-burning heater. Also, never use an oven or range as a heater. It doesn't matter if it is only for a short time.</li> </ul> <ul> <li>Never keep your car idling in the garage or other enclosed spaces. Even if the garage door is open, carbon monoxide fumes can enter your home. Carbon monoxide can also build up to lethal levels even if the door to the exterior is open. </li> </ul> <ul> <li>Never use a charcoal grill inside. Don't use your fireplace as a grill; follow proper fireplace safety. Also, never use a gasoline engine inside your home, or in an enclosed space. </li> </ul> <ul> <li> Install a Carbon Monoxide detector on each level of your home, and in or near each sleeping area. While you shouldn&rsquo;t rely solely on CO detectors, having them properly placed throughout your home can serve as a good fail-safe. Try to keep the detectors at least 20 feet from any fuel-burning appliances and at least 10 feet from high humidity locations like bathrooms and kitchens, as moisture can sometimes trigger faulty readings. Test the batteries of your detector regularly, and if an alarm sounds, call a professional to check your gas-burning appliances.</li> </ul> Installing CO detectors is recommended even if you take all of the other steps above because it&rsquo;s the most surefire way to be quickly alerted of rising levels of carbon monoxide in your home. A gas appliance or heating system could be working properly one day and not the next, so even with scheduled maintenance, it&rsquo;s best to have a system in place that will notify you of a problem.<br /> <br />urn:uuid:c08b9c7b-2966-414f-9fc0-7d408e229f69<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/how%20your%20spouses%20bad%20driving%20record%20affects%20your%20insurance%20rates.jpg' align='left' />After getting married, most couples' auto insurance premium actually goes down. This is because most insurance companies consider married couples as being more responsible and less risky to insure. However, there are cases when one person in the rela...Tue, 26 Jul 2011 17:34:05 -0500After getting married, most couples' auto insurance premium actually goes down. This is because most insurance companies consider married couples as being more responsible and less risky to insure. However, there are cases when one person in the relationship may have a particularly bad driving record. If your spouse has numerous traffic violations, or has been found to be at fault in previous accidents, then there is a good chance of your insurance rates going up. <br /> <br /> <img title="How Your Spouses Bad Driving Record Affects Your Insurance Rates" alt="How Your Spouses Bad Driving Record Affects Your Insurance Rates" style="width: 250px; height: 214px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/how%20your%20spouses%20bad%20driving%20record%20affects%20your%20insurance%20rates.jpg" />While in most cases the overall <a href="http://www.claudereynoldsinsurance.com/automobile/louisville-auto-insurance.aspx" target="_blank">car insurance</a> rate for both members of the marriage will go down, it may still feel as if the good driver in the family is getting the short end of the stick. Here are a few things you can do to keep your insurance rates low if you tie the knot with a bad driver:<br /> <br /> - Now that you are looking for a joint insurance plan, it's the perfect time to reevaluate your current insurance provider. Married couples are an attractive client to many insurance companies. Many companies will try to accommodate you, and try to offer you better plans. You shouldn't necessarily change insurers, especially if you're comfortable with your current provider. Rather, go back to your <a href="http://www.claudereynoldsinsurance.com/blog/Why_Choose_an_Independent_Agent.aspx" target="_blank">insurance agent</a> and show him what the competition is offering. Most insurers will be willing to match that price, or help you find ways in which to get the lower rate.<br /> <br /> - It's possible to undo the damage of your spouse's bad driving by taking some relatively simple steps. Many insurers offer a rate reduction if your spouse is willing to take a driving course. Something as simple as installing car alarms can lower your <a href="http://www.claudereynoldsinsurance.com/content/get-a-quote.aspx" target="_blank">insurance rates</a> significantly. In some states, it may only be a matter of time before your spouse's bad driving record stops being an issue. Just waiting for an average of eighteen months can be enough to bring back rates to normal. <br /> <br /> - In the worst case scenario, you may just have to exclude your spouse from the family auto insurance plan. However, you should understand that this would mean that your spouse is not insured when driving your car. Instead, purchase a separate insurance policy for your spouse. If your spouse drives an old or relatively cheap car, waiving comprehensive insurance and collision coverage may be the best idea. Most insurance agents will be willing to sit down with you to discuss the best strategy for ensuring both of you get the insurance you need.<br /> <br />urn:uuid:dde4bd74-8167-41de-b51d-55b883534fa9<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/lower%20your%20energy%20bill.jpg' align='left' />Energy bills usually take a big chunk of a homeowner's paycheck. There are many simple things you can do to drastically lower your energy bills. By saving energy around your home, you will have cash left over for other things your family needs. You'l...Thu, 21 Jul 2011 11:41:45 -0500Energy bills usually take a big chunk of a <a href="http://www.claudereynoldsinsurance.com/homeowners/louisville-home-insurance.aspx" target="_blank">homeowner's</a> paycheck. There are many simple things you can do to drastically lower your energy bills. By saving energy around your home, you will have cash left over for other things your family needs. You'll also be setting a great example by doing something positive for the environment. Follow these four simple tips and you will see a drastic reduction in your monthly utility bills.<br /> <br /> <img src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/lower%20your%20energy%20bill.jpg" style="width: 227px; height: 250px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" alt="Lower Your Energy Bill" title="Lower Your Energy Bill" /><strong>1. Invest in double-paned windows, better insulation, and other energy-saving home improvements. </strong><br /> The bulk of most homeowners' energy spending comes from heating and cooling. If you invest in some improvements into your home's energy efficiency, you will see the return in the years to come. Remember that most investments you make in energy-saving technology for your home pay for themselves over time. If you sit down and do the math, you'll find that a single payment can help you save hundreds or thousands of dollars over the years. The advantage of this is that, once you've gained back the initial investment, it's all gain.<br /> <br /> <strong>2. Take the same approach to energy-saving appliances. </strong><br /> When it comes to wasting energy, refrigerators and washing machines are two of the biggest culprits. Consider selling your current energy-wasting appliances and trading them for more energy-efficient models. Again, instead of thinking of the up-front cost, factor in how much energy you save per month. Then figure out how long it will be before the appliance pays for itself. Look at it as an investment. Often, for a onetime payment of $300, you are getting a machine that effectively pays you $600 over a 10 year span. <br /> <br /> <strong>3. Light bulbs are big energy wasters! </strong><br /> Keep the lights off if you aren't using them. This is hard to do if everyone doesn't pitch in, so make sure to have everyone in the family do it. Replacing your incandescent light bulbs with energy-saving bulbs is also a great investment. Energy-saving light bulbs pay for themselves in just a couple of months.<br /> <br /> <strong>4. Make your family energy conscious. </strong><br /> The best thing you can do to keep energy costs down is to make sure everyone in your <a href="http://www.claudereynoldsinsurance.com/blog.aspx?tag=family" target="_blank">family</a> is aware of how much energy they spend every day. Some easy habits that can drastically reduce energy spending are: turning the lights off when leaving a room, knowing what you want before opening the refrigerator door, taking less time to shower, waiting for a full load before doing laundry, and many others.<br /> <br />urn:uuid:3ccc1ccb-b392-4285-8085-1574a873167f<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/insurance%20claims%20for%20windshield%20cracks.jpg' align='left' />Nobody is immune to a cracked windshield. Whether it&rsquo;s from a gravel road, cold weather, or a pebble thrown your way, a cracked windshield is a common vehicle nuisance. When you hear the crack, taking appropriate action to repair your windshi...Tue, 19 Jul 2011 14:56:17 -0500Nobody is immune to a cracked windshield. Whether it&rsquo;s from a gravel road, cold weather, or a pebble thrown your way, a cracked windshield is a common vehicle nuisance. <br /> <br /> When you hear the crack, taking appropriate action to repair your windshield quickly may save you money in the long run. <br /> &nbsp;<br /> <img title="Insurance Claims for Windshield Cracks" alt="Insurance Claims for Windshield Cracks" style="width: 250px; height: 135px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/insurance%20claims%20for%20windshield%20cracks.jpg" />Oftentimes windshield cracks cause more of an annoyance than an immediate problem. Drivers spend weeks, months and sometimes years driving around with a cracked windshield. If you act quickly when the crack occurs, you can save yourself in the long run. Most small cracks, less than 6 inches, are usually repairable without replacing the entire windshield. <a href="http://www.claudereynoldsinsurance.com/" target="_blank">Insurance companies</a> appreciate proactive drivers and, if you call them early, they may be willing to waive your deductible on a small repair because it is saving money for the insurance company in the long run. &nbsp;<br /> <br /> On the other hand, if you put off your windshield repair, it may extend the crack causing you to replace the entire windshield. In addition, some insurance companies see this procrastination as a disregard for driver safety and may deny your claim entirely. <br /> &nbsp;<br /> If the crack is more extensive, you must consider your comprehensive coverage deductible. If you have a standard $500 deductible and the cost of your windshield is $460, it might not be worth it to file the claim. The cost of the windshield will not meet your deductible; therefore you will not receive a payment from your car insurance company. But even <a href="http://www.claudereynoldsinsurance.com/blog/Keys_to_Getting_Your_Insurance_Claim_Approved.aspx" target="_blank">filing a claim</a>, even though no amount is paid, will show up on your claims history. You'll have to decide if saving $40 is worth filing the claim. &nbsp;<br /> <br /> Be sure to call and get two or three quotes to be sure you are getting an accurate estimate on your windshield. Windshields are one of the most common car repairs, so oftentimes an auto body shop may have a special, especially in the winter months, when gravel on the roads is more common. Ask each auto body shop if they have a special rate for insurance companies, you&rsquo;ll want to be sure to compare what you will have to pay, and what your insurance company would be paying, should you choose to file the claim. &nbsp;<br /> <br /> Filing a claim will most likely not have any immediate effects on your insurance premiums. Most car insurance companies will not raise your premium rates over a windshield repair claim, because windshields are considered an unavoidable claim. However, every claim you make will go on your insurance claim record. Over time, the more claims you file the greater the chances of a hike in your <a href="http://www.claudereynoldsinsurance.com/automobile/louisville-auto-insurance.aspx" target="_blank">auto insurance</a> renewal rates. <br /> <br /> Call us today at (502) 933-2255 or get a free instant <a href="http://www.claudereynoldsinsurance.com/automobile/auto-insurance-quote.aspx" target="_blank">Louisville auto insurance quote</a> to be sure you're getting the best deal on your car insurance. <br /> <br />urn:uuid:99b1f5d4-b3fc-49cc-a883-6abaeb73a3e1<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/teen%20driving%20safety%20myths.jpg' align='left' />Fact: Car crashes are a major cause of teen deaths. According to the Center for Disease Control and Prevention, teenagers are four times more prone to car crashes than are older drivers. With this troubling statistic in mind, is there anything else t...Fri, 15 Jul 2011 10:33:22 -0500Fact: Car crashes are a major cause of teen deaths. According to the Center for Disease Control and Prevention, teenagers are four times more prone to <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/7_Steps_To_Take_If_Youre_In_An_Accident.aspx">car crashes</a> than are older drivers. With this troubling statistic in mind, is there anything else teens and parents need to keep in mind aside from the cardinal rule that one shouldn&rsquo;t drink and drive and should always wear a seatbelt?&nbsp; Here are some muddled myths that contribute to teen car crashes:<img src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/teen%20driving%20safety%20myths.jpg" style="width: 250px; height: 214px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" alt="Teen Driving Safety Myths" title="Teen Driving Safety Myths" /><br /> <br /> <strong>Myth #1:&nbsp; Texting while driving is excusable.</strong><br /> There&rsquo;s one habit most teenagers are having a hard time breaking, and the price some of them pay is rather costly: their lives. Texting while driving is NOT safe. Taking your eyes off the road even just for a few seconds increases the likelihood of a car crash by as much as 23 times! That&rsquo;s because text messaging while driving significantly decreases hazard detection, risk perception and focus on the road by 400 percent, according to the American Medical Association. <br /> <br /> <strong>Myth #2: Driving under the influence of alcohol and drugs is the major cause of car crashes.</strong><br /> Driving under the influence is never safe, but contrary to what most parents and teens believe, it&rsquo;s not the leading cause of vehicular accidents among teens. Alcohol and drug use accounts for 10% of teen car crashes, while excessive speed (32%) and driver inattention (15%) are the leading causes.<br /> Young drivers need to know how to identify potential threats and to always give their full attention as they drive. Also, they must never drive when they haven&rsquo;t had enough sleep. Yes, even above average students who&rsquo;ve spent the entire night studying for an exam are not safe from teen car crashes. <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Distraction_Free_Driving_It_Could_Save_Your_Life.aspx">Distractions</a> such as loud music and other noisy passengers ought to be eliminated.<br /> <br /> <strong>Myth #3: A driving course is all a teenager needs to learn safe driving.</strong><br /> Although a driving school will help lessen teenage driver crash risk factors, it&rsquo;s nothing more than a start. Driving schools usually offer a couple of hours of training basic skills and practice, but what you really need is at least 100 hours of practice driving to reinforce the lessons taught in the driving course. There are also several skills which aren&rsquo;t covered by most courses, such as left turns, taking u-turns, parallel parking, driving in harsh conditions and at night, and changing lanes among many others.<br /> <br /> <strong>Myth #4: Parents have no influence on their children&rsquo;s driving habits.</strong><br /> Remember the age-old saying that children learn by imitating the behavior of their parents? The same holds true for driving. Parents may never run out of lectures regarding <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/A_Parents_Guide_to_Cheaper_Teen_Car_Insurance_Rates.aspx">teen driving</a> safety, but if they break their own rules (and worse, the traffic regulations!), children will most likely copy such behavior. <br />urn:uuid:e90e56af-43ff-4c0e-8805-b6297c26ece6<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/how%20is%20my%20homeowners%20insurance%20premium%20determined.jpg' align='left' />There are a lot of different factors taken into account that determine the homeowner&rsquo;s insurance premium you pay. Let&rsquo;s look at the main ones. The insured value. This is a pretty obvious one to start with, isn&rsquo;t it? The most import...Wed, 13 Jul 2011 11:18:39 -0500There are a lot of different factors taken into account that determine the <a target="_blank" href="http://www.claudereynoldsinsurance.com/homeowners/insurance_quote.aspx">homeowner&rsquo;s insurance</a> premium you pay. Let&rsquo;s look at the main ones.<br /> <br /> <img src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/how%20is%20my%20homeowners%20insurance%20premium%20determined.jpg" style="width: 250px; height: 167px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" alt="How Is My Home Insurance Premium Determined" titleist="How Is My Home Insurance Premium Determined" /><strong>The insured value.</strong> This is a pretty obvious one to start with, isn&rsquo;t it? The most important point to make here is that there is no real benefit to be gained from insuring your property or possessions for a lower value than they are worth. You might get a slightly cheaper premium but in the event of a disaster you will be left without the money to replace everything.<br /> <br /> <strong>The location.</strong> Another very important factor is where the property is situated. If the area is known to suffer from <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/What_Everybody_Should_Know_About_Flood_Insurance.aspx">floods</a>, tornadoes, earthquakes or other natural disasters then you can expect to pay a higher premium than someone who lives somewhere with less claims. The amount of theft claims made in the area will also be taken into account by the insurance firm&rsquo;s premiums<br /> <br /> <strong>Credit history.</strong> This is a factor which is taken into account in some parts of the world but not in others. If you have a poor <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Will_My_Credit_Rating_Affect_My_Insurance_Rates.aspx">credit history</a> and live in a place where this is a factor in the premium then expect to pay more.<br /> <br /> <strong>Occupancy.</strong> A home which you live in on a permanent basis will be cheaper to insure than one which is empty. This is because there is more risk of theft and also more risk of, for example, a fire running unchecked through the property.<br /> <br /> What Else is Taken into Account?<br /> <br /> <strong>Other factors.</strong> Many insurance firms give discounts to customers who have never had a claim, who have alarms on the property, have fitted high quality security locks or who are over a certain age. There may also be an additional amount charged for adverse features. This could mean a timber property, a flat roof or any other issue which doesn&rsquo;t fit in with the insurance company&rsquo;s idea of a typical property. These issues are seen as more of a risk because an incident could have more serious consequences than in a conventional property.<br /> <br /> As we can see, there are a few things we can do to lower our insurance premiums, such as install an alarm or improve our security. However, the majority of the factors are to do with factors which we can&rsquo;t really do much about.<br /> <br /> Learn more about <a target="_blank" href="http://www.claudereynoldsinsurance.com/homeowners/louisville-home-insurance.aspx">Louisville Homeowners Insurance</a> from Claude Reynolds Insurance today!<br /> <br />urn:uuid:8232e2fc-c4ac-4bd7-a1ac-28709eb59ce5<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/finding%20the%20best%20home%20contractor.jpg' align='left' />Whether it is your first home project or probably your fifth, a qualified home contractor is the key to getting the job done on a budget and right on time. There are plenty of contractors out there, bogus and reliable ones, sprawled in various sites ...Wed, 06 Jul 2011 14:53:37 -0500Whether it is your first home project or probably your fifth, a qualified home contractor is the key to getting the job done on a budget and right on time. There are plenty of contractors out there, bogus and reliable ones, sprawled in various sites online. Here are several easy tips that will help you find the right contractor for your next home building and home remodeling projects.<br /> <br /> <img title="Finding the Best Home Contractor" alt="Finding the Best Home Contractor" style="width: 250px; height: 188px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/finding%20the%20best%20home%20contractor.jpg" /><strong>Get referrals from friends, family, colleagues and etc.</strong> Collect as many contractor referrals and recommendations as you can from coworkers, neighbors and even the folks at local lumberyards. The best home contractors cannot be found through advertising but through &lsquo;word of mouth&rsquo; referrals. By networking your social groups, you can make good decisions on which home contractor will the best job for you. <br /> <br /> <strong>Ask for estimates and quotes from contracting companies.</strong> Ask for at least three estimates from different contractors about your project. Estimates will help you understand the parts of your remodeling or building work so that you will know what to expect in the end. <br /> <br /> <strong>Ask for company references.</strong> Don&rsquo;t be afraid to ask potential contractors for a few references to find out if their clients were satisfied with their work. By conversing with others, you will know if a contractor is fit for your job. <br /> <br /> <strong>Check for a contractor&rsquo;s licenses and other certifications.</strong> If you are a paying a good amount of money for your installation, remodeling or repair work, it would be crucial to check for a contractor&rsquo;s licenses, insurance policies and certifications. Make sure you also check for the availability of a <a target="_blank" href="http://www.claudereynoldsinsurance.com/business/louisville-business-owners-insurance.aspx">general liability insurance</a> and workers compensation.<br /> <br /> <strong>Do your homework.</strong> Dial the BBB or <a href="http://www.bbb.org/louisville/accredited-business-directory/contractors-general/151/Louisville/" target="_blank">Better Business Bureau</a> hotline in your area. Consult the consumer protection agencies and offices in your area to see if a contractor has a credible reputation or a number of complaints against their practices. Doing thorough background research will help you save time and money in the long run.<br /> <br />urn:uuid:8595202f-5cdf-4d9d-b0cb-7e5700885e9e<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/essential%20car%20buying%20tips.jpg' align='left' />Sitting behind the steering wheel is something that everyone yearns to achieve. It can be very tricky especially if you're doing it for the first time. We all know that the best salesman is one who can sell jackets in a desert and surely the dealers ...Thu, 30 Jun 2011 11:04:10 -0500Sitting behind the steering wheel is something that everyone yearns to achieve. It can be very tricky especially if you're doing it for the <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/First_Time_Auto_Insurance_Buyers_Guide.aspx">first time</a>. We all know that the best salesman is one who can sell jackets in a desert and surely the dealers can do it. Remember that&rsquo;s his work, to make sales and therefore will say anything to persuade you to buy from his shop. That&rsquo;s why you need to be armed with these tips whenever you want to buy a car. Let&rsquo;s look at the basic things you need to know.<br /> <br /> <strong>1. Research</strong><img src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/essential%20car%20buying%20tips.jpg" style="width: 250px; height: 201px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" alt="Essential Car Buying Tips" title="Essential Car Buying Tips" /><br /> &nbsp;<br /> You should never make the mistake of entering into the first shop and buying before gathering enough information about the other dealers. There is something that amazes me a lot; you may have taken a whole year to gather enough to buy a car but you want to spend the same within hours. Since you already know the make of the car you want to buy, visit several dealers to ensure that you compare the prices and offers. Once this is done you can make a concrete decision on which dealer you want to buy from.<br /> <br /> <strong>2. Proper timing</strong><br /> <br /> Timing when to buy a car is very important. The amount you pay for your car will always be dependent on the time you buy. Always go for the end months since this is the time the sale agents are trying to reach their quotas. During this time, no salesman would want to lose you and therefore you can get a good deal. Always avoid the weekends since this the time most people are shopping and hence the dealers may be reluctant to give better deals.<br /> <br /> <strong>3. Have limits</strong><br /> <br /> You should always set your budget so that you don&rsquo;t go beyond what you have planned for. Never allow the sales agent to persuade you to go beyond what you want to spend since they are always persuasive.<br /> <br /> Using these tips, you will be one step ahead of most when looking to buy a new car.<br /> <br />urn:uuid:f5acb2e0-e311-4e95-892b-c36a0f013a4e<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/will%20my%20credit%20score%20affect%20my%20insurance%20rates.jpg' align='left' />Credit ratings basically give a history of how well you have been able to pay your bills. Many insurance companies especially those concerned with vehicles do use these ratings in determining the premium rates though this is not the only factor. In f...Tue, 28 Jun 2011 10:20:14 -0500<img src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/will%20my%20credit%20score%20affect%20my%20insurance%20rates.jpg" style="width: 250px; height: 166px; float: left; margin-right: 10px; margin-bottom: 10px; margin-top: 5px;" alt="Will My Credit Rating Affect My Insurance Rates" title="Will My Credit Rating Affect My Insurance Rates" />Credit ratings basically give a history of how well you have been able to pay your bills. Many <a href="http://www.claudereynoldsinsurance.com/content/our-companies.aspx" target="_blank">insurance companies</a> especially those concerned with vehicles do use these ratings in determining the premium rates though this is not the only factor. In fact, many will also ask for other personal information. If we may take a <a href="http://www.claudereynoldsinsurance.com/blog/Uncovering_the_Truth_about_Auto_Insurance_Myths.aspx" target="_blank">car insurance</a> company for example, they will use ones age, type of the car, driving history, and where one lives in addition to the credit ratings to determine insurance rates. However, the methods of determining the rates differ from one insurance company to another.<br /> <br /> Since there are no fixed laws governing the insurance companies on how to determine the rates across the board, different states have their own laws that govern their insurers. Due to this, many companies comply with their laws and weigh their customers using different scales to come up with individuals&rsquo; rates.<br /> <br /> Although a number of insurance companies may be using this credit score to determine ones <a href="http://www.claudereynoldsinsurance.com/content/get-a-quote.aspx" target="_blank">insurance rates</a>, sometimes low credit scores do not necessarily lead to high premium rates. Other factors such as those mentioned above do play a major role in addition to insurance risk scores. The insurance risk scores are very similar to the credit risk scores that are used by lenders to determine whether or not to give one a loan since the two use ones credit information.<br /> <br /> These insurance risk scores don&rsquo;t focus more on what you pay or what you owe but mainly look at how regularly you pay. They are usually dependent on five characteristics of a person&rsquo;s credit information that helps in weighing the person. They comprise of; types of credit established, payment history, length of time credit has been established, amount of credit owned and the new credit.<br /> <br /> The insurance risk score is used by the insurance companies to identify reliable and consistent consumers who are less likely to claim policies and hence likely to cost the insurance less money. We can therefore agree that insurance company&rsquo;s use a complex mathematical procedure in determining the premium rates of which credit rating is a factor of the equation.<br /> <br />urn:uuid:b830595e-8bbb-48ba-bec9-5b3aac45a0d6<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/car%20seat%20recommendations.jpg' align='left' />The American Academy of Pediatrics (AAP) updated their car seat recommendations this year. In a new policy released in March, AAP advises parents to keep babies and toddlers in rear-facing car seats until age 2. For many parents who purchased an infa...Fri, 24 Jun 2011 15:02:51 -0500The American Academy of Pediatrics (AAP) updated their car seat recommendations this year. In a new policy released in March, AAP advises parents to keep babies and toddlers in rear-facing car seats until age 2. For many parents who purchased an infant car seat, their children may reach the height and weight limitations of that car seat before their children reach age two. In such cases, parents should consider buying a convertible toddler seat which can be installed rear or forward facing and has higher weight and height limitations. AAP also advises that most children will need to ride in a belt-positioning booster seat until they have reached 4 feet 9 inches tall and are between 8 and 12 years of age. <br /> <br /> <img title="New Car Seat Recommendations" alt="New Car Seat Recommendations" style="width: 225px; height: 151px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/car%20seat%20recommendations.jpg" />The American Academy of Pediatrics previous policy, from 2002, advised that it is safest for infants and toddlers to ride rear-facing up to the limits of the car seat, but it also cited age 12 months and 20 pounds as a minimum. As a result, many parents turned the seat to face the front of the car when their child celebrated his or her first birthday. <br /> <br /> &ldquo;A rear-facing child safety seat does a better job of supporting the head, neck and spine of infants and toddlers in a crash, because it distributes the force of the collision over the entire body,&rdquo; Dr. Durbin said. &ldquo;For larger children, a forward-facing seat with a harness is safer than a booster, and a belt-positioning booster seat provides better protection than a seat belt alone until the seat belt fits correctly.&rdquo; <br /> <br /> New research has found children are safer in rear-facing car seats. A 2007 study in the journal Injury Prevention showed that children under age 2 are 75 percent less likely to die or be severely injured in a crash if they are riding rear-facing. <br /> <br /> An important element in keeping children safe is to <a href="http://www.claudereynoldsinsurance.com/blog/4_Ways_to_Ensure_Your_Childs_Car_Seat_is_Safe.aspx" target="_blank">properly install car seats</a> and booster seats. Always read installation directions thoroughly, as each car seat may have different installation instructions. Many local police and fire departments will check car seat installation at no charge. An online car seat guide for parents is available at <a href="http://www.healthychildren.org/carseatguide" target="_blank">www.healthychildren.org/carseatguide</a> If you need assistance purchasing a car seat there are services available at your county Family and Health Services Center or visit <a href="http://www.chfs.ky.gov" target="_blank">www.chfs.ky.gov</a>.<br /> <br /> Drive Safely!<br /> <br />urn:uuid:8b6eb003-01e0-4677-a29c-4a531bfabdba<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/first%20time%20auto%20insurance%20buyers%20guide.jpg' align='left' />Buying your first auto insurance policy isn't as complicated as it may seem. Here's what you need to know about buying auto insurance and what you should be looking for in an insurance policy for your vehicle. What Kind of Coverage Should You Consid...Tue, 21 Jun 2011 12:56:15 -0500Buying your first <a target="_blank" href="http://www.claudereynoldsinsurance.com/automobile/louisville-auto-insurance.aspx">auto insurance</a> policy isn't as complicated as it may seem. Here's what you need to know about buying auto insurance and what you should be looking for in an insurance policy for your vehicle.<br /> <br /> <strong>What Kind of Coverage Should You Consider?</strong><br /> <br /> Before you can start comparing <a target="_blank" href="http://www.claudereynoldsinsurance.com">insurance companies</a> and quotes, it's important to determine what types of coverage you will need. You first need to find out how much coverage is required by the laws of your state. Every state will have their own laws concerning auto insurance and how much minimum coverage is required in order to drive legally. <br /> <br /> Next, depending on your situation you can choose the additional coverage you need to protect yourself, your vehicle, and its passengers. There are basically 4 types of coverage: comprehensive, collision, liability, and uninsured driver. Which types are best for you depends on a number of factors like your budget and the type of car you drive. For example, if your car isn't worth much, it might not be worth it to purchase a collision policy. <br /> <br /> <strong>How Much Coverage Should You Consider?</strong><img title="First Time Auto Insurance Buyers Guide" alt="First Time Auto Insurance Buyers Guide" style="width: 250px; height: 167px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/first%20time%20auto%20insurance%20buyers%20guide.jpg" /><br /> <br /> Once you have determined the types of coverage you want, the next step is to choose how much protection you want. Again there are different limits set by each state and you will have to at purchase the amount of protection that meets those minimums. The biggest choice you will probably have to make is deciding your deductible. <br /> <br /> Choosing a higher deductible usually results in a lower premium. So you can save some money by choosing a higher deductible. Just remember that should you have an accident or have to make a claim that the deductible has to be paid out of your pocket first before the insurance company will pay for any additional costs.<br /> <br /> <strong>Shop Around to Find the Best Value</strong><br /> <br /> Today the internet can be a valuable tool for researching both the insurance companies themselves and their prices. Spend some time looking for the company that can provide the most benefits, the best customer service, or more coverage for a lower cost. Choosing a company with a good reputation and great customer service can be just as important as finding the company with the lowest prices. That being said, getting <a target="_blank" href="http://www.claudereynoldsinsurance.com/automobile/auto-insurance-quote.aspx">online auto insurance quotes</a> can be a convenient way to quickly compare rates from many companies. <br /> <br /> <strong>How to Know If You're Paying Too Much?</strong><br /> <br /> When comparing rates, make sure that the quotes include the same types of coverage, limits, and deductibles. If not, one quote might look lower than another, but it won't provide the same amount of protection. &nbsp;<br /> <br /> Also make sure to check with each company to find out what types of discounts they offer and which ones you may qualify for. This could make a big difference in the cost of your auto policy.<br /> <br /> <strong>Review Your Auto Insurance Policy </strong><br /> <br /> Once you have found the right policy for you, it's recommended that you <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/A_Parents_Guide_to_Cheaper_Teen_Car_Insurance_Rates.aspx">review your auto insurance policy</a> periodically to make sure it still provides the right amount of protection for your situation. You definitely want to check it anytime you have a major life change such as getting married, having a baby or have changes to your assets such as buying or selling your car or home. <br /> <br /> Before you buy a policy, make sure you know exactly what it covers. Understanding what you are buying is important. If you have any questions or need help you can always turn to a <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Why_Choose_an_Independent_Agent.aspx">local agent</a> for help.<br /> <br />urn:uuid:925bf8c1-e2b6-42bf-aca6-f7717a25fc8a<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/fun%20and%20safe%20family%20road%20trip.jpg' align='left' />Road trips are about having fun and creating memories that can last a lifetime. If your taking a family road trip this summer, planning ahead can help make the journey a safe one and more enjoyable for everyone. A little effort before any road trip c...Wed, 15 Jun 2011 13:03:29 -0500Road trips are about having fun and creating memories that can last a lifetime. If your taking a family road trip this summer, planning ahead can help make the journey a safe one and more enjoyable for everyone. A little effort before any road trip can make the difference between a great vacation full of fun and adventure and a disastrous nightmare. <br /> <br /> <img title="Fun and Safe Family Road Trip" alt="Fun and Safe Family Road Trip" style="width: 250px; height: 162px; float: left; margin-right: 10px; margin-bottom: 5px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/fun%20and%20safe%20family%20road%20trip.jpg" />1. <strong>Get a tune-up.</strong> Making sure that your vehicle is in good condition before you leave. Have a <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Keys_to_Finding_a_Trustworthy_Car_Mechanic.aspx">qualified mechanic</a> check your battery, belts, air conditioner, fluids, and tires. It's a good idea to equip your car with some essentials that you may not normally store in your vehicle such as jumper cables, spare tire, jack, etc. Also make sure that your <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Uncovering_the_Truth_about_Auto_Insurance_Myths.aspx">auto insurance</a> and any other tags or inspections require are up to date. <br /> <br /> 2. <strong>Get a good night's rest.</strong> This is especially important if you are planning to leave very early in the morning. Make sure you get enough rest the night before so that you are awake and alert when it's time to get behind the wheel.<br /> <br /> 3. <strong>Plan your route in advance.</strong> Even if you have a GPS device, it's always a good idea to have a backup map and be familiar with the route you plan to take just in case. GPS devices fail, batteries can become weak, routes can change, or the maps can be incomplete. <br /> <br /> 4. <strong>Take frequent breaks.</strong> Most drivers just want to drive straight to their destination, but it will be safer and more enjoyable for the whole family to take a break every few hours. This gives everyone time to stretch their legs a little bit, maybe take a short walk, and use the restroom. You could plan your stops around landmarks or places of interest that may add to the experience. <br /> <br /> 5. <strong>Pack a cooler.</strong> Having snacks and drinks available should anyone get hungry or thirsty while riding in the car can make the trip more enjoyable. Avoid packing anything that's easy to spill or snacks that melt. You could even save a little money by packing a meal and stopping at a rest stop or park to eat along the way instead of eating at restaurant. <br /> <br /> 6. <strong>Is everyone strapped in?</strong> Make sure that everyone is wearing their seat belts at all times. Check to ensure that any <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/4_Ways_to_Ensure_Your_Childs_Car_Seat_is_Safe.aspx">car seats</a> being used are properly installed and that the child stays in their seat at all times.<br /> <br /> 7. <strong>Take along things for the kids to do.</strong> If you are traveling with children, you will definately want to have multiple ways to keep them occupied. For infants, bringing along their favorite toy can do the trick. Young children may enjoy coloring books, games, or other toys. Today technology can be a parents best friend when it comes to road trips. DVD players for kids to watch movies, electronic games, or maybe a laptop for older kids are all great ways to keep them occupied. It's always best to have a variety of "tools" to keep little ones from getting bored. <br /> <br /> 8. <strong>Play road games.</strong> Sing-a-longs, twenty questions, the alphabet game, "who spots the most yellow cars", every family has their favorites, can be a great way to pass the time and make things fun for everyone. <br /> <br /> 9. <strong>Share the responsibilities on the road.</strong> Dad doesn&rsquo;t always have to take the burden of driving the entire family to their destination. If possible, each family member should take turns in driving, to ease his pain and to help him enjoy the supposed to be relaxing trip too. If no one can drive properly at the moment, then it would be best to rest up a bit and take a short nap before continuing on your way. <br /> <br /> 10. <strong>Bring emergency supplies and a first aid kit.</strong> Emergencies and injuries can happen at any time. It's a good idea to equip your car with some essentials that you may not normally store in your vehicle such as jumper cables, spare tire, jack, blankets, flashlights, etc. You should have a kit that includes bandages of assorted sizes, antiseptic wipes and/or spray, gloves, gauze, tweezers, and other emergency medical items.<br /> <br /> So before you leave for your next family road trip take some time to look over this list and consider other ways you can ensure your trip will be both fun and safe for your family. No matter what they may say ahead of time, your family will enjoy your adventure together. All it takes is just a little preparation. <br /> <br />urn:uuid:a002bd70-f14a-482c-b96d-e19a5bb343dd<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/what%20to%20do%20if%20you%27re%20in%20a%20car%20accident.jpg' align='left' />Car accidents can wreak havoc on an otherwise peaceful day. Even if they&rsquo;re minor, they can often create confusion. If you have been involved in an auto accident follow these steps to arrive at a successful conclusion in which all parties are t...Fri, 10 Jun 2011 14:01:31 -0500Car accidents can wreak havoc on an otherwise peaceful day. Even if they&rsquo;re minor, they can often create confusion. If you have been involved in an auto accident follow these steps to arrive at a successful conclusion in which all parties are taken care of. It is important to follow each of these steps, leaving any one of them out can create problems. Depending on the severity of the accident in question will depend on how detailed you need to be with these following items. <br /> <br /> <img src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/what%20to%20do%20if%20you%27re%20in%20a%20car%20accident.jpg" style="width: 250px; height: 194px; float: left; margin-right: 10px;" alt="What To Do If Your In A Car Accident" title="What To Do If Your In A Car Accident" />1. Remain calm. This is first and foremost the most important. Fights have been known to break out at the scene of accidents. This is largely due to tempers flaring up. This is not a place you want to be. Do not take one problem and turn it into a larger one by losing your cool. When you remain calm you're enabled to clearly sort out the situation, remember the relevant facts, and proceed through the rest of the checklists without problems.<br /> <br /> 2. Check for injuries. Make sure no one is injured. This includes yourself, your passengers, and the driver and passengers of the vehicle. <br /> <br /> 3. Call the police if there has been damage to your vehicle or if anyone has been injured. In most cases, an insurance company will always want you to call the police and file a report. Often times, with very minor accidents, people do not call the police. The police themselves want to be involved when there has been an accident. If at all possible and there has not been serious damage and no one is injured then moved the vehicles to the side of the road or to an area that will not block traffic as you wait for the police. The police can help you sort out the accident and act as an independent third party. They can make sure to verify the details of the accident if the need arises to show up in court to present a case about the accident.<br /> <br /> 4. Take photographs of the damage. It can be quite helpful to take photographs of any damage done to the vehicle at the scene of the accident. This is now possible using cellular phones because almost all of them include the ability to take pictures. Also take pictures of the intersection or the road that you were on when the accident occurred and any damage done to the other vehicle involved as well. These might become vital pieces of evidence for the insurance company or the court if the accident should go in that direction.<br /> <br /> 5. Exchange contact information. Always exchange contact information with the other driver who was involved in the accident. Make sure you give your contact information as well. Do not ever leave the scene of the accident without exchanging contact information. Write down the name, address, phone number and license numbers of all drivers and witnesses, particularly those who were riding in a vehicle involved in the accident. Ask for the name of the insurer and policy number all drivers involved in the car accident. Your car insurance company will need to know the information of the other driver in question. <br /> <br /> 6. Do not admit fault. To protect yourself legally, do not discuss the car accident with anyone other than the police and your insurance company. Do not blame the other driver even if they were clearly at fault. It may just start an argument. Even if you feel you may have been partially at fault, do not say anything that admits your feeling. "Fault" is often a complex determination based on the facts and complicated laws. Leave that issue for the police or an attorney to decide if necessary.<br /> <br /> 7. Call your insurance company. Calling your insurance company is one of the first steps after the accident has been taking care of by the police and everyone is safe and sound. You will want to notify your insurance provider as soon as possible and report the claim. Get them all the relevant information that you have retrieved so far to this point. The sooner your insurance company knows about the accident, the sooner it can start working to resolve your claim. Depending on who is at fault with the accident, that will determine which car insurance company will be paying for the damages.<br /> <br /> If you're prepared and know what to do should an accident occur, it will be much easier to remain calm and collected. Being prepared also includes having the right insurance. Talk to an <a target="_blank" href="http://www.claudereynoldsinsurance.com/">independent insurance agent</a> and let them help you determine if you have the right amount of <a target="_blank" href="http://www.claudereynoldsinsurance.com/automobile/louisville-auto-insurance.aspx">auto insurance</a> to protect you and your vehicle. Because the last thing you want to do if you&rsquo;re in a car accident is worry about how you're going to pay for the damages. <br /> <script id="gtbTranslateElementCode">var gtbTranslateOnElementLoaded;(function(){var lib = null;var checkReadyCount = 0;function sendMessage(message, attrs) { var data = document.getElementById("gtbTranslateElementCode"); for (var p in attrs) { data.removeAttribute(p); } for (var p in attrs) { if ("undefined" != typeof attrs[p]) { data.setAttribute(p, attrs[p]); } } var evt = document.createEvent("Events"); evt.initEvent(message, true, false); document.dispatchEvent(evt);}function checkLibReady (){ var ready = lib.isAvailable(); if (ready) { sendMessage("gtbTranslateLibReady", {"gtbTranslateError" : false}); return; } if (checkReadyCount++ > 5) { sendMessage("gtbTranslateLibReady", {"gtbTranslateError" : true}); return; } setTimeout(checkLibReady, 100);}gtbTranslateOnElementLoaded = function () { lib = google.translate.TranslateService({}); sendMessage("{EVT_LOADED}", {}, []); var data = document.getElementById("gtbTranslateElementCode"); data.addEventListener("gtbTranslate", onTranslateRequest, true); data.addEventListener("gtbTranslateCheckReady", onCheckReady, true); data.addEventListener("gtbTranslateRevert", onRevert, true); checkLibReady();};function onCheckReady() { var ready = lib.isAvailable(); sendMessage("gtbTranslateLibReady", {"gtbTranslateError" : !ready});}function onTranslateRequest() { var data = document.getElementById("gtbTranslateElementCode"); var orig = data.getAttribute("gtbOriginalLang"); var target = data.getAttribute("gtbTargetLang"); lib.translatePage(orig, target, onProgress);}function onProgress(progress, opt_finished, opt_error) { sendMessage("gtbTranslateOnProgress", {"gtbTranslateProgress" : progress, "gtbTranslateFinished" : opt_finished, "gtbTranslateError" : opt_error});}function onRevert() { lib.restore();}})(); (function(){var d=window,e=document;function f(b){var a=e.getElementsByTagName("head")[0];a||(a=e.body.parentNode.appendChild(e.createElement("head")));a.appendChild(b)}function _loadJs(b){var a=e.createElement("script");a.type="text/javascript";a.charset="UTF-8";a.src=b;f(a)}function _loadCss(b){var a=e.createElement("link");a.type="text/css";a.rel="stylesheet";a.charset="UTF-8";a.href=b;f(a)}function _isNS(b){for(var b=b.split("."),a=d,c=0;c<b.length;++c)if(!(a=a[b[c]]))return!1;return!0} function _setupNS(b){for(var b=b.split("."),a=d,c=0;c<b.length;++c)a=a[b[c]]||(a[b[c]]={});return a}d.addEventListener&&typeof e.readyState=="undefined"&&d.addEventListener("DOMContentLoaded",function(){e.readyState="complete"},!1); if (_isNS('google.translate.Element')){return}var c=_setupNS('google.translate._const');c._cl='en';c._cuc='gtbTranslateOnElementLoaded';c._cac='';c._cam='lib';var h='translate.googleapis.com';var b=(window.location.protocol=='https:'?'https://':'http://')+h;c._pah=h;c._pbi=b+'/translate_static/img/te_bk.gif';c._pci=b+'/translate_static/img/te_ctrl3.gif';c._phf=h+'/translate_static/js/element/hrs.swf';c._pli=b+'/translate_static/img/loading.gif';c._plla=h+'/translate_a/l';c._pmi=b+'/translate_static/img/mini_google.png';c._ps=b+'/translate_static/css/translateelement.css';c._puh='translate.google.com';_loadCss(c._ps);_loadJs(b+'/translate_static/js/element/main.js');})();</script>urn:uuid:3e17321f-9dba-4fa8-b016-fec77407cbb1<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/keys%20to%20getting%20your%20insurance%20claim%20approved.jpg' align='left' />Submitting a claim on your home or auto policy is pretty simple. It usually involves contacting your insurance company, filling out a claim form, and waiting for an adjuster to look over the damage. Then, if appropriate, it's just a matter of waiting...Tue, 07 Jun 2011 12:05:51 -0500Submitting a claim on your home or <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Uncovering_the_Truth_about_Auto_Insurance_Myths.aspx">auto policy</a> is pretty simple. It usually involves contacting your insurance company, filling out a claim form, and waiting for an adjuster to look over the damage. Then, if appropriate, it's just a matter of waiting for your check to arrive. Most claims are handled quickly.<img title="Keys to Getting Your Insurance Claim Approved" alt="Keys to Getting Your Insurance Claim Approved" style="width: 250px; height: 154px; float: right; margin-top: 15px; margin-bottom: 5px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/keys%20to%20getting%20your%20insurance%20claim%20approved.jpg" /><br /> <br /> <strong>Carefully Review Coverage</strong> - Don't wait until you need to <a target="_blank" href="http://www.claudereynoldsinsurance.com/content/report-a-claim.aspx">file a claim</a> before you fully review and understand what's covered by your insurance policy. Go over your policy with your agent to ensure you understand what your policy covers and what it doesn't. Make sure you know what your deductible is as well. You should also periodically review all of your insurance policies to ensure that they fit your needs as your situation changes. <br /> <br /> <strong>File Your Claim Quickly</strong> - Inform your insurance company of your claim as soon as possible. Your policy may require that you make the notification within a certain time frame, so don't delay sending in the paperwork. The sooner you file, the better. <br /> <br /> <strong>Document Everything You Can</strong> - This is important both before you need to make a claim and when you need to make one. Save and have duplicate copies of all receipts for items you buy. These will help you establish an inventory of your belongings should the need arise and how much those items cost. After any damage, prepare a detailed inventory of all damaged possessions, with their approximate age, initial price and estimated cost to replace.<br /> <br /> <strong>Take Photos and/or Video</strong> - The availability and ease of digital cameras allows you to provide "before and after" documentation. If you don't have a camera phone, keep one disposable camera in your glove compartment and one at home. This will ensure your insurance company cannot claim the damage was pre-existing or normal wear and tear. Be sure to take photos or videos of the damage before you begin cleaning up or making repairs.<br /> <br /> <strong>Make Temporary Repairs</strong> - Don't wait for an insurance adjuster to start making temporary repairs. If your home is damaged, you should make whatever temporary repairs are needed to protect your home and you from further damage or injury. Most insurance policies will cover small temporary repairs that are necessary to ensure your safety (or your home's). Broken windows and leaking roofs should be fixed right away so the insurance company cannot dismiss some claims as the result of waiting too long to do so. Just remember not to start any permanent repairs until you hear from an adjuster. If you make any temporary repairs, save all receipts and documentation, as the insurer will likely reimburse most of these expenses. &nbsp;<br /> <br /> <strong>Don't Assume Something Isn't Covered</strong> - Just because a claim is initially rejected doesn't mean the policy doesn't say otherwise. If your claim is rejected, check with your <a target="_blank" href="http://www.claudereynoldsinsurance.com/">insurance agent</a> to find out if your claim should have been approved. <br /> <br /> <strong>Get an Estimate or Two</strong> - It's important to get a second opinion on the repairs needed for your vehicle or your home. Whether repairs are needed for your home or automobile, get a couple of estimates to be sure you have an accurate measure of how much the damages will cost. The adjuster may be able to approve your claim on the spot if you have a reliable estimate from a reputable source.<br /> <br /> <strong>Be Accurate</strong> - When filling out paperwork, make sure you have the details correct, as mistakes or inconsistencies can cause your claim to be denied or delayed.<br /> <br /> <strong>When Not to File an Insurance Claim</strong><br /> <br /> There are times when you may be better off not filing a claim at all. Insurance companies want to stay away from those they feel are high risks. Filing too many small claims can result in an increase in your premiums or even a cancellation of your policy. If you've made a lot of small claims in the past, you may be better off not reporting a fender-bender or minor damages to your home and consider paying for the repairs on your own. It might actually save you money in the long run.<br /> <br /> As an <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Why_Choose_an_Independent_Agent.aspx">independent insurance agency</a>, we can often operate as an advocate to make sure you get the full benefit and protection provided by your policy. If you have concerns or need assistance with the claims process, feel free to contact us and we'll do whatever we can to help.<br /> <br />urn:uuid:07713cf4-9e09-4fee-850a-a0189c3b86ff<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/commercial%20vehicle%20insurance.jpg' align='left' />If your business uses a vehicle, or many vehicles, you may have employees on the road operating a variety of vehicles. Whether you provide company vehicles for your employees or they use their own for business purposes, commercial auto insurance is a...Thu, 02 Jun 2011 12:09:20 -0500If your business uses a vehicle, or many vehicles, you may have employees on the road operating a variety of vehicles. Whether you provide company vehicles for your employees or they use their own for business purposes, commercial auto insurance is a must. In fact, in most states it's required by law. Commercial auto insurance provides coverage for cars, trucks and vans used by you or your employees for business purposes. <br /> <br /> <img src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/commercial%20vehicle%20insurance.jpg" style="width: 250px; height: 153px; float: left; margin-top: 5px; margin-right: 10px; margin-bottom: 10px;" alt="Do I Need Commercial Vehicle Insurance" title="Do I Need Commercial Vehicle Insurance" /><a target="_blank" href="http://www.claudereynoldsinsurance.com/business/louisville-commercial-vehicle-insurance.aspx">Commercial auto insurance</a> will cover many of the same areas as a personal auto policy including liability, collision, medical costs, uninsured motorists and comprehensive coverage only it is specifically for vehicles used for business. Although some personal auto insurance companies will extend their coverage to include use of a vehicle for business, most business owners are expected to have commercial coverage for these vehicles.<br /> <br /> <strong>Do I need commercial auto insurance?</strong><br /> <br /> For some businesses the decision to purchase commercial auto insurance is obvious, for others it can be more complicated. Whether or not you need a commercial policy depends on how you use your vehicle and what company you have it insured with. Every company has different guidelines for business use coverage on a personal auto policy. Discuss your situation with your agent to determine if you need commercial vehicle insurance.<br /> <br /> If you need commercial auto insurance, you will want to ask your business insurance agent some important questions as well as ensure that you provide them with a complete picture of your vehicle use. Here are some key points to discuss with your agent:<br /> <strong><br /> </strong>&gt;&gt; How many vehicles and drivers will need to be covered?<br /> <br /> Coverage for commercial vehicle insurance is based on the number of vehicles and drivers to be insured. Depending on the number of vehicles and drivers involved, fleet insurance can often be less expensive than per vehicle policies. <br /> <br /> &gt;&gt; How is commercial use defined in the policy? <br /> <br /> Similar to most personal auto insurance policies that exclude coverage for commercial use, a commercial policy will establish a definition of commercial use.<br /> <br /> <strong>- Special coverages and considerations</strong><br /> <br /> Certain businesses must adhere to federal and state regulatory standards in the operations of their vehicles. For example, if your business will be hauling cargo interstate, there are specific Department of Transportation requirements for insurance that must be met. You will need to make sure you and your insurance professional have a thorough understanding of those requirements. Also, if you will be delivering or hauling for others or using other's equipment such as leased trailers or rental equipment, you will need hired or non-owned vehicle coverage.<br /> <br /> <strong>Ways to Lower Premium Costs</strong><br /> <br /> Many of the same factors that go into determining premiums for personal auto insurance are used for commercial auto insurance. <br /> <ul> <li>Business Location - the location of the vehicles determines premiums for theft.</li> </ul> <ul> <li>Driver Records - hire only qualified drivers with safe driving records.</li> </ul> <ul> <li>Choice of Vehicle - sales people may want sports cars, but five-star safety rated, domestic, mid-sized sedans have the lowest premiums.</li> </ul> <ul> <li>Deductibles - can your business afford part of the risk and maintain a high deductible? If so, your premiums will be lower.</li> </ul> <ul> <li>Safety and Anti-Theft Devices - alarms, GPS tracking, air bags, seat belts, and other such devices can significantly lower premiums.</li> </ul> <ul> <li>Seasonal Businesses - Don't cancel your insurance each year if you have a seasonal business. If you do, your stored vehicles won't be protected. It's better to maintain a comprehensive only policy that will provide basic protection against incidents like vandalism, theft, falling tree branches, and hail during the off-season. Keeping some form of insurance year round will also ensure that you have continuous insurance. If you drop your insurance completely, you might pay significantly more to get a new policy when your peak season rolls around because most insurance companies want to see proof of continuous coverage.</li> </ul> In general, if your vehicle is used more than three times a month for business purposes it is considered a commercial vehicle. This does not include driving the vehicle to and from work, but actually using the vehicle for your business such as visiting clients in your city or making a trip to another city, or driving to a job site or carrying equipment or people for your business. If the use of your vehicle falls under this category, it is well worth the effort of getting the proper type of <a target="_blank" href="http://www.claudereynoldsinsurance.com/business/commercial_auto_quote.aspx">auto insurance</a> and receiving the protection you need for any eventuality.<br /> <br />urn:uuid:85e719fc-097b-4164-b431-ed587991ddb2<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/summer%20safety%20guide.jpg' align='left' />When you think of summer, home safety may not be the first thing on your mind. Summer is the time for outdoor cookouts, pool parties, and backyard play dates; not a time for bandaging scrapes, nursing burns or worse. Small, innocent mishaps and mista...Tue, 31 May 2011 17:54:38 -0500When you think of summer, home safety may not be the first thing on your mind. Summer is the time for outdoor cookouts, pool parties, and backyard play dates; not a time for bandaging scrapes, nursing burns or worse. Small, innocent mishaps and mistakes are sometimes the source of many unwanted and accidental disasters. You might discover that by tweaking a few things around the house you can make this a summer to remember for all the right reasons.<img title="Summer Safety Guide" alt="Summer Safety Guide" style="width: 250px; height: 250px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/summer%20safety%20guide.jpg" /><br /> <br /> <strong><br /> Backyard Safety:</strong><br /> <br /> - Inspect outdoor decorative lights carefully: Some families add backyard ambience with outdoor decorative lighting. Do not connect more than three midget light string sets together. Light strings with screw-in bulbs should have a maximum of 50 bulbs connected together. Be sure to use light strings bearing the UL Mark, which means UL has tested samples of the product for risk of fire, electric shock and other hazards.<br /> <br /> - Use only GFCI (Ground Fault Circuit Interrupter) outlets outdoors. Test them monthly by following these instructions.<br /> <br /> - Replace power cords that are frayed or damaged.<br /> <br /> - Pick up all garden tools such as rakes, spades, forks, pruning clippers, files and metal plant stakes when not in use.<br /> <br /> - Read the labels of things you use for your lawn and garden. If you see the words Caution, Warning, Danger, Poison, or Keep Out of Reach of Children; these products can be dangerous for children. Store them in a place with a lock.<br /> <br /> - Taking away those humid days, the summer season also means one of the driest seasons of the year. If there's no water to moisten things up, then there's an absolute risk of fire for just about anything in your home. <br /> <br /> - Carefully inspect backyard playground equipment: According to the Consumer Product Safety Commission, 70 percent of all playground-related deaths occur on home playground equipment. Make sure equipment is anchored safely in the ground, all equipment pieces are in good working order, S-hooks are entirely closed and bolts are not protruding. <br /> <br /> <strong><br /> Swimming:</strong><br /> <br /> - Stay with your kids while they're at a pool, even if they can swim. Supervise constantly: Good supervision means you are able to scan the pool area every 20 seconds and be able to reach the pool in 10 seconds.<br /> <br /> - Enclose your pool with a fence that's at least 4 feet high with a self-closing, self-locking gate that has a locking mechanism beyond a child's reach. Also cut overhanging tree limbs and remove chairs or ladders from the pool area to prevent children and unauthorized individuals from climbing over the fence surrounding the pool.<br /> <br /> - Make sure there is rescue equipment around the pool. At a minimum, keep safety equipment like a life preserver and shepherds hook (a long pole with a hook on the end) nearby for emergencies.<br /> <br /> - Completely remove pool covers when anyone is in the pool. Extreme care should be taken to prevent children from climbing on top of the cover or getting caught underneath. Check the cover often and remove water that accumulates on top; make sure the cover is properly anchored and tied down.<br /> <br /> - Make sure all electrical appliances are kept away from the pool and use ground-fault-circuit-interrupter (GFCI) outlets at outside receptacles.<br /> <br /> - Empty small wading pools and remove all toys after children are through playing: Infants can drown in just a few inches of water. Floats, balls, and other toys may attract children to the pool when it is unattended.<br /> <br /> - Always check the pool first if a child is missing: Child drowning is often a silent death that alerts no one with splashes or yells for help. Many drowning accidents happen when children have been missing for less than five minutes.<br /> <br /> <strong><br /> Grilling:</strong><br /> <br /> - Keep grills at least 10 feet from any structure: Grilling mishaps cause more than 8,300 fires and send 3,000 people to the emergency room each year.<br /> <br /> - Only use grills outdoors. Never grill indoors or near garages or porches, even if it's raining. Carbon monoxide builds up quickly in enclosed spaces.<br /> <br /> - Have a spray bottle or fire extinguisher handy: An unexpected flare up can burn more than your burgers. Use a spray bottle to avoid flare ups and have a fire extinguisher nearby. Also, coals get hot - in some cases up to 1,000 degrees Fahrenheit; so dispose of charcoal away from kids and pets and cool it down with a hose.<br /> <br /> - Keep grills away from other outdoor activities to prevent burns.<br /> <br /> - Never use gasoline or kerosene to light a charcoal fire: Both can cause an explosion. Don't pour starter fluid in a gas grill or an already-lit charcoal grill.<br /> <br /> - When grilling, use insulated, flame-retardant mitts, and long-handled barbeque tongs and utensils to handle food and coals.<br /> <br /> - Check your gas grill for leaks. Your local propane gas supplier can suggest a leak-detection solution.<br /> <br /> - Check gas grill hoses for cracking, brittleness, holes and leaks: If the tank valve or grill needs repair, do not attempt to do it yourself. Take it to your local home improvement store or qualified appliance repair person.<br /> <br /> <strong><br /> Landscaping:</strong><br /> <br /> - Wear sturdy shoes and fitted clothing while mowing the lawn to keep your feet and skin protected, and turn off your mower before removing a stuck object. Never reach under the mower unless it is turned off and the blade has completely stopped turning.<br /> <br /> - Before you mow, check the area for broken sticks, stones, toys and anything else that could shoot out from under the mower or damage the blade.<br /> <br /> - Keep children and pets inside the house or well away from the area while mowing or using lawn equipment.<br /> <br /> - Wear goggles and hearing protection.<br /> <br /> - Unless power tools are marked "submersible", don't get them wet.<br /> <br /> - If you run out of gas, stop and let the engine cool down before you add more. Gasoline vapors can easily catch on fire.<br /> <br /> <br /> Don't let your summer days be ruined by simple things that are left unchecked. The result will be a safer, more enjoyable summer for you and your family.<br /> <br />urn:uuid:960f58ba-49dc-4f34-b10c-d0c691cb2121<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/distraction%20free%20driving.jpg' align='left' />Distractions are anything that can cause a person to lose concentration. Anything that can make your level of concentration lower than what it had previously been can be considered a distraction. In driving, distractions can be very dangerous and dea...Thu, 26 May 2011 12:21:58 -0500Distractions are anything that can cause a person to lose concentration. Anything that can make your level of concentration lower than what it had previously been can be considered a distraction. In driving, distractions can be very dangerous and deadly. It is obviously important that we know how to deal with these obstructions to make our trips a lot more safe and manageable. But how does one create a driving environment that is perfectly free of any distractions? <br /> <br /> <img title="Distraction Free Driving" alt="Distraction Free Driving" style="width: 250px; height: 167px; float: left; margin-right: 10px; margin-bottom: 5px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/distraction%20free%20driving.jpg" />First off, keep your eyes away from all kinds of information panels. It&rsquo;s not just the screens and meters on your dashboard, but ANY item that would provide you with any sort of visual information must be kept away from you. The screen of your smartphone, the screen of your tablet computer, even simple sources of information such as newspapers should be kept away from your eyes. A slight change in the visual information presented in these objects could instantly change your eyes&rsquo; attention onto the object.<br /> <br /> For audio stimulus, there is probably no harm in wearing mp3 players or listening to music of some sort. You might however want to keep the volume at a level where you could still somehow hear the things outside. The presence of a semi-trailer truck might be given away very easily by mirrors, but additional audio information can still help you greatly in judging its correct distance.<br /> <br /> It is never wise to entertain any kind of phone call or text while driving. A classic tip it might seem, but talking on a cell phone while driving makes you four times as likely to crash, and texting while driving increases your chances of a crash by up to 8 to 23 times. While a growing number of drivers are turning to hands-free devices, studies show hands-free devices provide no safety benefit. It's the conversation, not the device that creates the danger.<br /> <br /> Finally, elements that can disturb you while driving such as food or drinks should be avoided. You never know when these things might cause trouble. Some research has found that eating while driving is responsible for nearly 80% of all car accidents. <br /> <br /> In life there are things we can control, and there are things we can&rsquo;t. Reduce your chances of having an accident by controlling your distractions while driving. You can control distractions inside your vehicle much more easily than those outside.<br /> <br />urn:uuid:3b9826f8-5fe2-4652-bffd-74625bf77cee<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/do%20I%20need%20extra%20insurance%20for%20renting%20part%20of%20my%20house.jpg' align='left' />Owning a home requires the need to purchase good home insurance to protect it. The type of insurance that you need depends on how you want to be protected and which damages you want to be covered. It could also depend on the home itself, the structur...Tue, 24 May 2011 12:54:32 -0500Owning a home requires the need to purchase good home insurance to protect it. The type of insurance that you need depends on how you want to be protected and which damages you want to be covered. It could also depend on the home itself, the structure, its age, its location, etc.<img title="Do I need extra insurance for renting part of my house?" alt="Do I need extra insurance for renting part of my house?" style="width: 250px; height: 250px; float: right;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/do%20I%20need%20extra%20insurance%20for%20renting%20part%20of%20my%20house.jpg" /><br /> <br /> Lastly, the insurance could also depend on how you are using your home. Renting out a house is a good way to earn extra income. For homes that are partially used for rent, in many cases, the rental income is enough to pay for the mortgage and still have money left over. However, it doesn't come without risks. If you are going to rent part of your home, it's always a good idea to reevaluate your current home insurance policy.<br /> <br /> Your homeowner's insurance policy is made up of types of coverage. The first is designed to protect the structure or the home itself. The other is meant to protect what's inside the home or your stuff. Most home insurance policies will protect the home itself whether you rent out part, all, or none of it. But it's up to the tenant to protect their own possessions and should be encouraged to get <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/How_Renters_Insurance_Can_Save_You_Money.aspx">renters insurance</a>.<br /> <br /> It's important to remember that because tenants don't have ownership interest in your home, they might not take care of it the way you would. You may need to increase your limits or purchase extra coverage such as an umbrella policy to protect your property against additional damage or liability exposure.<br /> <br /> Every situation is different. Talk to your agent to find out your options. They can help you create the right <a target="_blank" href="http://www.claudereynoldsinsurance.com/homeowners/louisville-home-insurance.aspx">home insurance policy</a> that fits your situation and will keep you protected.<br /> <br />urn:uuid:d8e74a89-a924-4d62-bc3a-5b331234aa9c<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/why%20you%20need%20rv%20insurance.jpg' align='left' />Summertime is nearly here and if you own a Recreational Vehicle or RV, you probably can't wait to hit the road. With so much invested in your home on wheels you want to ensure it's protected should something unexpected happen. Special insurance cover...Thu, 19 May 2011 10:43:50 -0500Summertime is nearly here and if you own a Recreational Vehicle or RV, you probably can't wait to hit the road. With so much invested in your home on wheels you want to ensure it's protected should something unexpected happen. Special insurance coverage for owners of vehicles like travel trailers, motorhomes, fifth wheels, and truck campers offer RV specific protection that you can't get with "ordinary" auto insurance. Having the right RV policy will allow you to relax and enjoy your adventures rather than worrying about repairs or finances.<br /> <br /> <img src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/why%20you%20need%20rv%20insurance.jpg" style="width: 250px; height: 168px; float: left; margin-right: 10px; margin-bottom: 5px;" alt="Why You Need RV Insurance" title="Why You Need RV Insurance" />Why you need RV insurance in addition to your auto insurance policy:<br /> <br /> <strong>* State Requirements</strong> - In most states, it's against the law to operate a recreational vehicle without some form of insurance. Most states also require drivers have at least a minimum of RV insurance.<br /> <br /> <strong>* Roadside Assistance</strong> - While a lot of car insurance policies offer roadside assistance, many may not include coverage for your RV. Even if your policy covers some roadside expenses, it may not cover them all. For example, it may pay for towing only up to the amount it costs to tow a car. RV tows can cost three times more. That means out-of-pocket expenses you're responsible for paying.<br /> <br /> <strong>* Financial Protection</strong> - If you're involved in an accident RV insurance can protect you from a major financial setback. Plus insurers who offer RV coverage often have specially trained claims representatives who know how to look for damage and write estimates specific to RVs. <br /> <br /> <strong>* Personal Property Protection</strong> - Because RVs are often lived in for extended periods of time, you may keep things inside that you wouldn't keep in your car such as camcorders, laptops, and jewelry. This makes them vulnerable to theft or damage and wouldn't be covered by your car insurance policy. <br /> <br /> <strong>* Protect Your Investment</strong> - That RV didn't come cheap, when insuring your RV make sure to ask for FUll Replacement Cost Coverage. This helps guarantee payment in full when the vehicle is irreparable, rather than reimbursement based on current market value.<br /> <br /> <br /> Additional reasons to consider RV insurance:<br /> <br /> - Parts specific to RVs, like awnings, stairs, slideouts, and appliances are also covered.<br /> - When the RV is in the shop due to accident and the owner is out on the road, the insurer may cover lodging and transportation expense.<br /> - If someone gets hurt near the RV and decides to sue the vehicle's owner, recreational vehicle coverage also pays for legal representation.<br /> <br /> No RV owner should hit the road without specialized recreational vehicle insurance and we can help you get the right amount of coverage to fit your needs. If you have questions, feel free to contact one of our <a href="http://www.claudereynoldsinsurance.com/blog/Why_Choose_an_Independent_Agent.aspx" target="_blank">agents</a> or get an <a href="http://www.claudereynoldsinsurance.com/rv/recreational_vehicle_insurance_quote.aspx" target="_blank">online RV insurance quote</a> right now.<br /> <br />urn:uuid:962c92d9-7929-484e-8e44-c6cd0e0a35c1If you're the parent of a teenage boy or girl who has reached the driving age then you probably already have enough headaches of your own. Don't let paying for expensive teen car insurance create a financial headache as well. Finding cheap car insura...Tue, 17 May 2011 12:58:34 -0500If you're the parent of a teenage boy or girl who has reached the driving age then you probably already have enough headaches of your own. Don't let paying for expensive teen car insurance create a financial headache as well. Finding cheap car insurance for teens may seem impossible, but there are several ways to minimize the costs once your teen starts driving. <br /> <br /> Tip #1 - In most cases, it's cheaper to add your teen to your current <a href="http://www.claudereynoldsinsurance.com/automobile/louisville-auto-insurance.aspx" target="_blank">auto insurance policy</a> rather than getting a separate policy for your teen. This is probably your best option if your cars are safe and relatively inexpensive to insure, or if you buy your teen an older, safe car. If you or your teen tries to get car insurance on their own it is likely they will pay upwards of 2 to 3 times as much as they would if they were listed under your policy. <br /> <br /> However, if your cars are expensive to insure and you cannot assign drivers to specific cars, the cost of adding your teen could turn out to be much more expensive. Some companies will allow you to assign specific drivers to each car, rather than assume all drivers have access to all cars. If yours will allow this, you may be able to assign your teen to the car that is cheapest to insure.<br /> <br /> <table width="100%"> <tbody> <tr> <td align="center"> <iframe width="350" height="229" frameborder="0" src="http://www.youtube.com/embed/YAYDCftiUEs"></iframe> </td> </tr> </tbody> </table> <br /> <br /> Tip #2 - Make sure to get all the discounts your teen driver may be eligible for. <br /> <br /> - Good Student Discount - Most companies offer a discount for students with at least a "B" average (3.0 GPA). The requirements can vary so ask your agent for specifics. Companies see these teen drivers as more responsible and present a lower risk for claims. Discounts can range from 10% to 25%. <br /> <br /> - Driver's Training Course Discount -&nbsp; Lots of insurance companies offer discounts of up to 15% to teens who take (and pass!) an approved driver&rsquo;s education or training course. <br /> <br /> Do not wait for your teen driver to get a speeding ticket or into an accident before enrolling them in a defensive driving course. This will also help them learn many skills that can keep them out of accidents which will help keep your insurance costs down in the future as well as keep them safe on the road. <br /> <br /> - Low Mileage Discount - If your teen only drives around town or to a part-time job, the miles driven may be lower than average. These discounts can range from about 5% to 15%, depending on miles driven. This may also apply to students that are away at college or studying abroad. <br /> <br /> You have to make your insurance company aware of these situations when they arise. Most companies are not going to be proactive about lowering your rates if they can help it. It's up to you to make sure you get all the discounts you and your teen are eligible for.<br /> <br /> Tip #3 - If you're buying a car for your teen keep the cost of insurance in mind. Used cars are cheaper to insure than new ones. Remember having extra safety features can also qualify you for discounts so look for one with a good safety rating as well as air bags, anti-lock brakes, and other safety features that qualify for discounts. There are many reliable used cars out there that are just as safe as the new models and will cost less to insure. Another benefit is you can choose not to add comprehensive and collision coverage on the vehicle. This can drastically reduce the cost of your premiums. <br /> <br /> Tip #4 - Don't assume you will get the best rates from your current insurer, even if you've been a loyal customer with no claims. Insurance rates for teens can be vary tremendously between companies. You should talk to multiple companies to get a list of all the discounts they offer and how much you can save on each. Also, get quotes both for adding your teen to your policy and for getting a separate policy.<br /> <br /> Every six months, check in with your <a target="_blank" href="http://www.claudereynoldsinsurance.com">insurance company</a> and update your policy information to make sure you are getting the best teen car insurance rates. Keeping a clean driving record after a certain amount of time could get you discounts. Graduating from High School could lower premiums too. <br /> <br /> Tip #5 - Before you even start thinking about your teen, make sure you are getting all the discounts you deserve. These can include multi-auto discounts, multi-policy discounts such as home and auto policies with one company, safe driver discounts (some companies offer discounts for every year a driver goes without filing a claim), and discounts for safety features (many insurers offer discounts for certain safety features in your car, such as anti-lock brakes, automatic seat belts and air bags). If you're not receiving all of the discounts you believe you should be, talk with your agent. Some of these discounts may also apply to your teen's coverage.<br /> <br /> <br /> Always ask for specifics when requesting quotes and inquiring about discounts. In addition, consider having your teen pay at least a portion of your increased insurance cost as a way to encourage safe driving and responsibility. If your teen&rsquo;s safe habits result in lower future premiums, pass on the savings to your teen. Insuring a teen driver can be expensive, but following these tips can help ensure you are getting the best teen car insurance rates available.<br /> <br /> Talk to one of our <a href="http://www.claudereynoldsinsurance.com/employees.aspx" target="_blank">agents</a> to find out how much you can save on teen car insurance or get a free <a href="http://www.claudereynoldsinsurance.com/automobile/auto-insurance-quote.aspx" target="_blank">instant auto insurance quote</a> right now.<br /> <br />urn:uuid:7a488c4e-e13a-46db-8c5e-af3d3c49ab27<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/boat%20safety.jpg' align='left' />We can help you protect your boat, but it's up to you to protect yourself and your passengers when out on the water. Whether you are new to boating or been around them all your life, it's important to make sure that you and everyone else aboard follo...Thu, 12 May 2011 10:38:59 -0500We can help you protect your boat, but it's up to you to protect yourself and your passengers when out on the water. Whether you are new to boating or been around them all your life, it's important to make sure that you and everyone else aboard follows <img title="Boat Safety Tips" alt="Boat Safety Tips" style="width: 250px; height: 165px; float: left; margin-right: 15px; margin-top: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/boat%20safety.jpg" />basic safety guidelines and practices common sense. These boating tips will help keep your next trip on the lake or river both safe and enjoyable.<br /> <br /> <strong>&gt;&gt; Life Jackets!</strong> - Life jackets save lives. It is recommended that all passengers wear a life jacket at all times when on the water, although most people don't. Even if you don't plan to wear a life jacket at all times, it's important to consider these tips: <br /> <br /> 1. Check each life jacket to ensure it's in good good condition and isn't waterlogged. <br /> 2. Make sure that there is a life jacket available for each person aboard.<br /> 3. Ensure that each person has a jacket that fits them properly.<br /> 4. Store life jackets in a place that is easily accessible to everyone onboard. <br /> <br /> <strong>&gt;&gt; Never Boat Alone</strong> - It's always a good idea to have at least one other person with you when boating. If you were to get into trouble out on the water, having another person with you could save your life.<br /> <br /> <strong>&gt;&gt; Don't Drink and Boat</strong> - Just like when driving a car, it's illegal to drink when driving a boat. The Coast Guard estimates that 50% of all boating deaths involve alcohol.<br /> <br /> <strong>&gt;&gt; Be Prepared</strong> - Make sure that you have the proper safety equipment onboard and know how to use them if needed. Some examples of standard safety equipment include a fire extinguisher and first aid kit. <br /> <br /> <strong>&gt;&gt; Keep Others Informed</strong> - It's always a good idea to let someone know that you are going out on the water. Be sure to tell them when you are leaving, when you plan on returning, and where you plan to travel. If something goes wrong while you're on the water, this information could be invaluable.<br /> <br /> <strong>&gt;&gt; Practice Common Sense</strong> - In most situations, boating safety involves just using common sense. Don't engage in horseplay onboard or allow your passengers to do so, travel at reasonable speeds, and be aware of your surroundings.<br /> <br /> To learn more about boat safety visit the <a href="http://www.uscgboating.org/safety/default.aspx" target="_blank">U.S. Coast Guard&rsquo;s Boating Safety Website</a>. To keep your boat protected year-round, get a <a target="_blank" href="http://www.claudereynoldsinsurance.com/boat/watercraft_insurance_quote.aspx">free online boat quote</a>.<br /> <br />urn:uuid:689931f3-764a-4a07-b8ef-bde66ac2ad5a<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/are%20you%20a%20fuel%20efficient%20driver.jpg' align='left' />Everyone hates to see gas prices on the rise and obviously we would rather be paying less than the current price. We often hold the oil companies or even the government responsible, but are you doing your part to "lower" those prices? Owning a super ...Tue, 10 May 2011 13:47:57 -0500Everyone hates to see gas prices on the rise and obviously we would rather be paying less than the current price. We often hold the oil companies or even the government responsible, but are you doing your part to "lower" those prices? Owning a super fuel efficient vehicle isn&rsquo;t the only way to be green and cut costs. You as a driver can make your car more fuel efficient. Research shows that adopting fuel efficient driving techniques can make your vehicle 30% more fuel efficient. How? Take a look at these <img src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/are%20you%20a%20fuel%20efficient%20driver.jpg" style="width: 250px; height: 165px; float: right; margin-top: 20px; margin-bottom: 10px; margin-left: 10px;" alt="Are You a Fuel Efficient Driver?" title="Are You a Fuel Efficient Driver?" />tips below.<br /> <br /> 1. Turn the engine on only when you're actually moving. Some may take this a little far, but at least turn off your car when parked. No matter what type of car you are driving, when your car is running it is using fuel. If you plan to sit in idle for more than a minute, turn off the engine to save fuel.<br /> <br /> 2. Avoid aggressive driving such as speeding, fast acceleration, and hard braking will help your car run more efficiently. These types of driving habits can increase fuel consumption by as much as 40%. Using cruise control when on the highway can help you to maintain a steady speed. Practice gradual acceleration and smooth breaking to help reduce fuel costs. <br /> <br /> 3. Keep your vehicle as light as possible. The heavier your car, the more fuel it has to burn in order to move the weight. Remove any unnecessary items you have stored in the trunk or other parts of the vehicle. <br /> <br /> 4. Have your car serviced regularly. Dirty oil, dirty air filters, bad spark plugs, under-inflated tires, etc. can all increase the amount of fuel your car consumes. <br /> <br /> 5. Carpool. Share rides with your friends or organize a carpool group with people you work with. <br /> <br /> 6. Don't drive. If your destination isn't that far, consider biking or even walking. <br /> <br /> Adopting some of these techniques will have a positive impact on the environment and your wallet.<br /> <br />urn:uuid:32c2fe53-6813-45e5-9aad-e55d5928cf06<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/is%20my%20childs%20car%20seat%20safe.jpg' align='left' />A child car seat is designed to keep your little ones secure when riding in a vehicle, but The National Highway Traffic Safety Administration reports that 3 out of 4 car seats are not used properly. If that's the case, then how do you know if you're ...Thu, 28 Apr 2011 16:13:23 -0500A child car seat is designed to keep your little ones secure when riding in a vehicle, but The National Highway Traffic Safety Administration reports that 3 out of 4 car seats are not used properly. If that's the case, then how do you know if you're using them properly?<br /> <br /> It seems like a pretty simple concept, but there are several factors to consider when buying and installing your child's car seat. Here are a few of the most common questions parents have:<br /> <br /> 1. How do I know what type of seat to use?<img title="Is My Child's Car Seat Safe?" alt="Is My Child's Car Seat Safe?" style="width: 250px; height: 179px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/is%20my%20childs%20car%20seat%20safe.jpg" /><br /> <br /> Choosing the right seat for your child is based on your child's height and weight, plus the type of vehicle that you own. There are guidelines for each of the different types of seats such as front-facing and rear-facing child seats. <br /> <br /> The NHTSA recommends: <br /> <br /> Birth &ndash; 12 months - Your child under age 1 should always ride in a rear-facing car seat. There are different types of rear-facing car seats: Infant-only seats can only be used rear-facing. Convertible and 3-in-1 car seats typically have higher height and weight limits for the rear-facing position, allowing you to keep your child rear-facing for a longer period of time.<br /> <br /> 1 &ndash; 3 years - Keep your child rear-facing as long as possible. It's the best way to keep him or her safe. Your child should remain in a rear-facing car seat until he or she reaches the top height or weight limit allowed by your car seat's manufacturer. Once your child outgrows the rear-facing car seat, your child is ready to travel in a forward-facing car seat with a harness.<br /> <br /> 4 &ndash; 7 years - Keep your child in a forward-facing car seat with a harness until he or she reaches the top height or weight limit allowed by your car seat's manufacturer. Once your child outgrows the forward-facing car seat with a harness, it's time to travel in a booster seat, but still in the back seat.<br /> <br /> For more information see <a target="_blank" href="http://www.nhtsa.gov/DOT/NHTSA/Traffic%20Injury%20Control/Articles/Associated%20Files/4StepsFlyer.pdf">Car Seat Recommendations for Children</a>. <br /> <br /> 2. How do I know if my child's car seat installed correctly?<br /> <br /> Having a car seat that fits properly in your vehicle is critical to keeping your child safe should an accident occur. There are thousands of makes of models of both cars and seats, so it's not realistic that every seat would fit properly in every vehicle. It is highly recommended that you test your new seat to make sure that it's a good fit for all your vehicles and make sure that you can return the seat if it doesn't. The NHTSA offers free seat inspection stations were you can have it examined by a professionally trained inspector. To find one near you, visit their <a target="_blank" href="http://www.nhtsa.dot.gov/cps/cpsfitting/index.cfm">Child Safety Seat Inspection Station Locator</a>.<br /> <br /> 3. How do I find out if my car seat has been recalled?<br /> <br /> Just like any other manufactured product, children's car seats can have defects or design flaws that make them potentially unsafe. The best place to check if your car seat has been recalled is the <a href="http://www-odi.nhtsa.dot.gov/cars/problems/recalls/childseat.cfm" target="_blank">NHTSA Recall List</a>. If you find that your seat has been recalled, visit the manufacturer's website for information or call the manufacture directly. If you can't find their contact information online, it should be in your owner's manual. <br /> <br /> 4. What do I need to know when buying or using a used seat?<br /> <br /> - Make sure that the seat has not been recalled. Call the manufacturer or contact the National Highway Traffic Safety Administration Vehicle Safety Hotline at 1-888-327-4236. Or check their Recall List.<br /> <br /> - Check for a label with the date of manufacture and model number. You'll need this information to check if the seat is safe or if it's been recalled.<br /> <br /> - Don't use seats that have cracks, not even small ones.<br /> <br /> - Look for an expiration date. Check for a "made by" date on the label and call the manufacturer to see if the seat is still safe to use.<br /> <br /> - Make sure that the seat still has all of its parts. It's possible that you may be able to get replacement parts from the manufacturer, but always check before you buy.<br /> <br /> - Only buy seats that come with the instructions. If you want to know how to install the seat properly you're going to need the instructions.<br /> <br /> - If you have any concerns about the safety of the seat contact the manufacturer to ask questions. <br /> <br /> If you take your time and choose the right car seat for your child, you'll give yourself the peace of mind that your child will be comfortable and more importantly safe when riding in your car.<br /> <br />urn:uuid:17375b39-fb2b-45f3-bfe1-e1e673178347<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/kentucky%20flood%20insurance.jpg' align='left' />Floods are one of the most common of natural disasters that happen several times each year. They are one of the main causes of infrastructure damage around the world, a lot more common than any other natural disaster that may hit a populated area. Th...Tue, 26 Apr 2011 13:07:48 -0500Floods are one of the most common of natural disasters that happen several times each year. They are one of the main causes of infrastructure damage around the world, a lot more common than any other natural disaster that may hit a populated area. This is why it is absolutely necessary for you to have insurance that also covers damage due to flooding. Some homeowners unfortunately are unaware that their insurance policies don't actually cover flooding damages. It is always said that an ounce of prevention is worth a pound of cure. So, if you want to save yourself from having your primary investment swept away, you need to have the proper insurance that can cover flooding damages.<br /> <br /> <img src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/kentucky%20flood%20insurance.jpg" style="width: 250px; height: 168px; float: left; margin-right: 10px; margin-bottom: 10px;" alt="Kentucky Flood Insurance" title="Kentucky Flood Insurance" />The first thing to remember is that not all home insurance packages include flood insurance. Floods usually sweep away significant portions of the town or city being struck by the catastrophe. If an insurance company wants to stay in business, they have to make sure that the number of people paying for insurance greatly outnumber the number of claimants. Should a flood actually happen, there would always be a very high risk of having too many claimants. This is the primary reason why <a target="_blank" href="http://www.claudereynoldsinsurance.com/flood/insurance_quote.aspx">flood insurance</a> is almost always separate from other kinds of home insurance.<br /> <br /> Nearly 25% of all claims the National Flood Insurance Program pays out are for policies in low to moderate-risk areas. This means that even though you may live in an area that isn't typically a flood risk, flooding can happen anywhere. So if you're thinking it can't happen to you, you might want to reconsider passing on some extra protection against flood damage. <br /> <br /> If find that your home insurance policy doesn't cover flooding, it's best to find out how you can add it to your insurance coverage. Most insurance companies offer flood insurance by participating in the National Flood Insurance Program (NFIP), a program created by the federal government. <br /> <br /> Almost one-thirds of the entire United States' population still believes that flooding damages are already covered in their home insurance. The consequences of not knowing this fact can be brutal, partly because it is actually a very avoidable mistake. The most disastrous thing about not securing flood insurance is that you usually won't see it coming until the catastrophe actually happens and it's too late. Even if you don't live in a flood prone area, it's wise to at least consider further protecting your home and its contents with <a target="_blank" href="http://www.claudereynoldsinsurance.com/flood/insurance_quote.aspx">flood insurance</a>. <br /> <br />urn:uuid:25cb84b5-0a75-4747-a2f2-e18a0e444ec1Most of us buy insurance to protect our possessions, such as our home, car, and even our pets, but life insurance is probably the most important insurance policy you'll purchase over the course of your lifetime. The right policy helps ensure that you...Fri, 22 Apr 2011 11:09:27 -0500Most of us buy insurance to protect our possessions, such as our home, car, and even our pets, but life insurance is probably the most important insurance policy you'll purchase over the course of your lifetime. The right policy helps ensure that your loved ones won't be burdened with debt when you're no longer there to care for them yourself. <img title="Types of Life Insurance Explained" alt="Types of Life Insurance Explained" style="width: 250px; height: 188px; float: right; margin-top: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/types%20of%20life%20insurance%20explained.JPG" /><br /> <br /> But, before you can buy <a href="http://www.claudereynoldsinsurance.com/life/louisville-life-insurance.aspx" target="_blank">life insurance</a>, you'll have to decide what kind of life plan will be right for your family. Buying life insurance can confusing and complicated, but understanding the different types of life insurance can make it easier. There are three major types of life insurance, all of which are discussed briefly below:<br /> <br /> &gt;&gt; Term Life Insurance - this is the default type of life insurance, which is purchased and paid at regular intervals with a definite termination period. When the term expires, the client must choose whether to expand the coverage to renew payments, or to throw away the coverage due to instability. Should the insured die before finishing the term, the accumulated benefits would then be paid to the beneficiary. This type of insurance is strikingly different from all other kinds of insurance, because it only offers you a limited payment term. It is nevertheless the cheapest life insurance in terms of costs to benefit ratio.<br /> <br /> &gt;&gt; Whole Life Insurance - this type of life insurance does not have a limited term, but continues on and on as long as the insured is still alive, hence the term "whole life". The idea for this kind of insurance was first concocted when insurance companies were pressured to change the way term insurance policies are given. All sub-types of whole life insurance depend on the terms and agreements made between the policy holder and the insurance company. The costs involved in this type of insurance is significantly higher than term life insurance, but nevertheless it is comparatively a lot better when we look at its benefit range.<br /> <br /> &gt;&gt; Universal Life Insurance - "cash preservation" is the keyword when we talk about this kind of life insurance. When payments go over the cost of insurance, the value is proportionally credited to the cash value. The cash value is then credited at regular intervals with interest. This is probably the most convenient type of insurance in terms of flexibility and the number of available benefits. In fact, this kind of insurance can even be used by the insurer, in the form of loans and cash value withdrawals.<br /> <br /> The benefits of having a <a href="http://www.claudereynoldsinsurance.com/life/insurance_quote.aspx" target="_blank">life insurance policy</a> should be obvious. Your family won't have to worry about how to pay their bills and expenses if you contributed to the household income. The right policy should cover those expenses with some left over. A life insurance policy also reduces the financial stress that a funeral and burial can cause. <br /> <br /> Finally, the main benefit of life insurance is peace of mind knowing that you have prepared your family for your eventual passing. Life insurance is an essential in today's world. Don't put it off until it's too late.<br /> <br />urn:uuid:0ad96db5-58fe-4857-af9e-08d6a3567a50<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/why%20choose%20an%20independent%20agent.gif' align='left' />We purchase insurance policies from an insurance company because we want to protect ourselves financially from any type of loss. The process of finding the right insurance can be overwhelming and without the right kind of agent the process of actuall...Wed, 20 Apr 2011 17:07:42 -0500We purchase insurance policies from an insurance company because we want to protect ourselves financially from any type of loss. The process of finding the right insurance can be overwhelming and without the right kind of agent the process of actually filing a claim can be even worse. Many people believe it doesn't really matter where you buy your insurance, but this misconception could be costing you money, service, and protection. <br /> <br /> When searching for an insurance partner, it's important to know that there are two types of insurance agents: captive and independent. Knowing which one to choose comes down to understanding the differences between each.<br /> <br /> &gt;&gt; <strong>Captive</strong> - Captive insurance agents are employees of the insurance carrier they represent. They work exclusively for them and are obliged to give business only to that company.<br /> <br /> &gt;&gt; <strong>Independent</strong> - <a href="http://www.claudereynoldsinsurance.com/" target="_blank">Independent insurance agents</a> are employed by their agency which is often a small local business. In most cases, they represent multiple insurance companies and work on behalf of the client to find them a policy. <br /> <br /> Independent Insurance Agents, represent an average of eight <a href="http://www.claudereynoldsinsurance.com/content/our-companies.aspx" target="_blank">insurance companies</a>. This means they're able to research <img src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/why%20choose%20an%20independent%20agent.gif" style="width: 250px; height: 250px; float: right; margin-left: 10px;" alt="Why Choose An Independent Agent?" title="Why Choose An Independent Agent?" />products and compare prices to find the best combination of price, coverage, and service for each customer's unique insurance needs. Independent agents can provide you with choices because they are not tied to one insurance company. Therefore you won't need to change agencies as your insurance and service needs change. <br /> <br /> An independent agent can offer one-stop shopping for a full range of insurance products - home, renters, auto, business, life, and health. They often have the ability to combine various products and coverages from one or more insurance companies to create a combination that provides the level of coverage you need and minimizes the overall cost of premiums.<br /> <br /> When you purchase something as important as insurance, you want an advocate who will properly assess your risks and give you an objective analysis of the marketplace. Independent agents compare not only premiums, but also key coverage differences that may be of value to you. Too often, as consumers, we make decisions solely on price with out knowing that with that price we are sacrificing an important coverage we assumed was included or didn't realize we needed. Your independent agent is your consultant, working with you to help determine your insurance needs. <br /> <br /> Only, an independent agent can operate as your advocate when you do suffer a loss. Unlike captive agents and telephone representatives who work for the insurance company, your independent agent can work for you, ensuring that you are not alone in the <a href="http://www.claudereynoldsinsurance.com/content/report-a-claim.aspx" target="_blank">claims process</a>.<br /> <br /> <strong>Benefits of working with an Independent Agent:</strong><br /> <br /> - An independent agent is not tied to one company<br /> <br /> - Does the shopping for you and has access to multiple insurance products and <a target="_blank" href="http://www.claudereynoldsinsurance.com/content/get-a-quote.aspx">quotes</a><br /> <br /> - Compares not only premiums, but also coverages to provide you with the best value<br /> <br /> - Can often provide discounts by combining products from multiple insurance companies<br /> <br /> - Has the ability to advocate on your behalf during claims<br /> <br /> The benefit of working with an independent agent surpasses that of being confined to one option and one insurance company. When deciding how to protect the people and things closest to you, consider taking advantage of the benefits an independent agent can offer. <br /> <br />urn:uuid:e9b29b21-0d53-4e6c-b822-96ab121a8767<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/driving%20in%20the%20rain.jpg' align='left' />Driving in a downpour can be a real bummer, especially if you were looking forward to a nice refreshing day brimming with sunlight. The simple sight of those dark clouds alone is often enough to make any normal day seem gloomier than usual. More impo...Fri, 15 Apr 2011 14:59:30 -0500Driving in a downpour can be a real bummer, especially if you were looking forward to a nice refreshing day brimming with sunlight. The simple sight of those dark clouds alone is often enough to make any normal day seem gloomier than usual. More importantly, rain can be an indirect cause of traffic accidents and mishaps. As innocent-looking as it is, rain can cause several things that might make your quiet ride through the urban jungle go awry. Staying safe is always the top priority and we have a few tips to keep you on the right track.<br /> <br /> Perhaps the most basic and elementary rule to keep you safe in driving is to simply slow down. This may be obvious to most people, but it seems to be the most ignored. It&rsquo;s even more important to lower your speed while driving on wet roads. They might not be as slippery as <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Tips_for_driving_on_ice_covered_roads.aspx">icy roads during the winter</a>, but the risk of losing control over your vehicle due to hydroplaning is always very present. If you can't slow down, then at least try to soften your acceleration a bit. You may not be able to completely eliminate the possibility of a traffic accident, but it helps to take steps to prevent them.<img title="Tips for Driving in the Rain" alt="Tips for Driving in the Rain" style="width: 250px; height: 145px; float: right; margin-top: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/driving%20in%20the%20rain.jpg" /><br /> <br /> Keeping your visibility at a maximum should be one of your top priorities if you want to keep dangers away while driving in a downpour. Turning your windshield wipers and headlights on and using your turn signals is recommended, even in the daytime. Keep your field of vision as clear as possible (you might want to remove those cool shades too). In heavy rain, it's important to be on guard for anything. Stay alert and pay close attention to everything that you see around you. <br /> <br /> Since your visibility will be reduce when driving in the rain, the normal distance you keep from the car in front should be far greater. Traffic is likely to be moving slower and driving considerably slower than normal will give you more time to react and adjust to what going on around you. When you realize that you have to use the brakes, do it earlier and more gently as usual. Not only will this keep you from hydroplaning, but it will give the driver behind you more time to react as well. <br /> <br /> Make an effort to avoid large pools of water that accumulate in the road. You never what's under the water. There could be a huge pothole that could damage your tires, rims, and even your suspension. If you do happen to drive through a large puddle, gently tap your brakes to dry off any accumulated water that might still be on your brake rotors. There is also a "polite" advantage to avoiding puddles on city streets, where there can be many pedestrians walking by on the sidewalk. Some pedestrians might get a splashy punishment as your car speeds through the water. <br /> <br /> Finally, if simple techniques and preventive measures are insufficient, you might opt to invest in better <a target="_blank" href="http://www.claudereynoldsinsurance.com/blog/Keys_to_Finding_a_Trustworthy_Car_Mechanic.aspx">equipping your vehicle</a> for the rain. Making sure that your car is properly aligned and the air pressure in your tires is at recommended levels can ensure optimal handling. You may not realize how much of a difference this can make during rainy conditions. You may also opt for a set of tires that are more hydroplane-resistant and can navigate wet roads more efficiently. <br /> <br /> Always remember to never underestimate the indirect effects of rain on the road. What you may view as a simple, harmless wet road might just be your pathway to disaster.<br /> <br />urn:uuid:e44774ec-054b-4ee1-ab18-87fe1b8580c7<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/rental%20car%20insurance.jpg' align='left' />It is a good question, that's for sure. Many people wonder if they need rental car insurance and it really depends on the type of person to a large degree. In many cases, you already have rental car insurance and not even know it. There are a number ...Wed, 13 Apr 2011 16:54:14 -0500It is a good question, that's for sure. Many people wonder if they need rental car insurance and it really depends on the type of person to a large degree. In many cases, you already have rental car insurance and not even know it. There are a number of sources where rental car insurance can come from. You might have rental car coverage from your Visa, MasterCard, American Express or Discover Card. Many of the most popular credit card providers offer complementary rental car coverage in the case of accidents. However, many people don't know this. You also may have rental car coverage if you carry travel programs like American Express Platinum, AAA Roadside Coverage, or AARP Membership. Quite a few of these types of programs will give you complimentary rental car coverage for when you travel.<br /> <br /> Another typical place where rental car coverage is already supplied is with your standard <a re_target="_blank" href="http://www.claudereynoldsinsurance.com/automobile/louisville-auto-insurance.aspx" target="_blank">automobile insurance</a>. This can make things very easy for you. If you obtain your car insurance through a provider that offers complementary rental car insurance you will already be covered under your standard auto insurance policy. This can certainly save you a bit of money when it comes to renting a car. <br /> <br /> <img title="Rental Car Insurance" alt="Rental Car Insurance" style="width: 250px; height: 135px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/rental%20car%20insurance.jpg" />A common question you will almost always hear at the rental car desk is, 'Wiill you be needing rental car insurance for your trip?' Rental car companies price their insurance to be very affordable, while at the same time profitable for them. You don't think they're going to lose money, do you? Just like any other business, rental car companies are in business to make money. They offer the rental car insurance for peace of mind to their renters, for protection in case of accident, and for additional profitability to the company. Always bear this in mind when it comes time to consider if it is a good idea to obtain car rental insurance.<br /> <br /> Therefore, your first step will always be to find out if you're already covered with rental car insurance. If you have rental car insurance coverage provided by your credit card, a travel program you are a part of, or by your standard <a re_target="_blank" href="http://www.claudereynoldsinsurance.com/automobile/auto-insurance-quote.aspx" target="_blank">auto insurance policy</a>, then you don't really need rental car insurance. To purchase rental car insurance from the rental car company would simply be unnecessary and frankly, a waste of money. But if you do not have coverage by any of these sources then feel free to take the rental car insurance when offered. It can give you peace of mind when renting a car, especially if you are on a vacation. You don't want to be bothered with having to think about insurance coverage for your rental car (should the worst happen). If you accept the coverage offered by the rental car company you should be covered for any and all incidents that may come up. This alone can give you the peace of mind that will make your journey more enjoyable and less stressful.<br /> <br />urn:uuid:6b9e90f3-37ed-416c-b224-9351c2ca6a09<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/finding%20trustworthy%20auto%20mechanics.jpg' align='left' />One thing is for certain, if you drive a car, you are going to need a good car mechanic to help you take care of it. There is no car in the world, no matter how new or how reliable, that won't require the services of a good car mechanic. The key to a...Fri, 08 Apr 2011 17:50:33 -0500One thing is for certain, if you drive a car, you are going to need a good car mechanic to help you take care of it. There is no car in the world, no matter how new or how reliable, that won't require the services of a good car mechanic. The key to a long lasting car is regular scheduled maintenance and quality repairs when things break down. <br /> <br /> If the service on an automobile isn't done at regular intervals according to the specifications of the manufacturer then the car is not likely to last as long as it could. If however you&rsquo;re able to find a reliable car mechanic that will help you service your car, truck, or van, and you take it to them at regular intervals, you&rsquo;ll be doing all you can to help lengthen the life of your vehicle.<img title="How to Find a Trustworthy Auto Mechanic" alt="How to Find a Trustworthy Auto Mechanic" style="width: 250px; height: 188px; float: left; margin-top: 10px; margin-right: 10px; margin-bottom: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/finding%20trustworthy%20auto%20mechanics.jpg" /><br /> <br /> The question is, "<strong>How do we find a good and trustworthy car mechanic?</strong>" There are several ways of doing this. Perhaps the best way is simply to ask for the advice of others. If you have friends who live in the same area as you, or neighbors that you are comfortable asking, these people can be the perfect place to start. Ask them what mechanic they use and what their experience has been with them. <br /> <br /> Word of mouth is one of the best ways to find a good car mechanic. After all, if someone you trust has had a bad experience with a car mechanic, they're not likely to recommend that person to you. On the other hand, if they have had a great experience with their local mechanic, they will gladly recommend their services to you. This is the benefit of word of mouth recommendations, and it really is the best way to find a trustworthy car mechanic.<br /> <br /> If you don't have someone that you can ask or you have already asked around and not found anyone, consider going online and doing some searching for local mechanics. There are often <a target="_blank" href="http://www.mechanicadvisor.com">review sites</a> that will give you ratings for local mechanic shops. Other people who have used the services of a local mechanic will go online to these reviews sites and voice their opinions. This can be a valuable place to do research and collect information about the car mechanics in your local area. <br /> <br /> If you find a few mechanics from this research, don't hesitate to pick up the phone and call them. You can learn a lot from the way someone answers the phone and how helpful he or she is when talking with you. Ask a lot of questions and don't be afraid to take a few minutes to get to know the person and how they run their business. You may want to ask for their prices for standard services like oil changes and brake services. <br /> <br /> Call a few different mechanic shops and compare their prices. Also, ask about their staff and find out how much experience they have. Above all, do not be afraid to ask around and talk to a number of different people in order to find the right reliable mechanic.<br /> <br />urn:uuid:35b73452-f99b-492f-8b15-74d4512a7c94<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/auto%20insurance%20myths.jpg' align='left' />Auto insurance myths are quite common in this day and age. We'll look at four of the most common myths that surround car insurance and what the truth actually is. Some of these things may surprise you, but take heart because at least now you'll know ...Tue, 05 Apr 2011 16:14:48 -0500Auto insurance myths are quite common in this day and age. We'll look at four of the most common myths that surround car insurance and what the truth actually is. Some of these things may surprise you, but take heart because at least now you'll know the truth and won't be put in jeopardy in the future because of a lack of knowledge.<br /> <br /> <strong>Myth #1: The Color of Your Car</strong> &ndash; Many people think that red cars will trigger a higher insurance premium. This is not necessarily the case. In days past, red and yellow cars tended to create a bit of a premium from some insurance providers, but this is not true across the board. In modern days, insurance companies will often not tack on any premiums or penalties based on the color of the vehicle being insured. The case could be made that brightly colored vehicles are even more safe then there dull colored counterparts. <a href="http://www.claudereynoldsinsurance.com/content/our-companies.aspx" target="_blank">Insurance companies</a> are more concerned about the driver's track record for auto accidents and speeding tickets than they are about the color of the car being insured.<img src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/auto%20insurance%20myths.jpg" style="width: 250px; height: 158px; float: right; margin: 10px;" alt="Auto Insurance Myths" title="Auto Insurance Myths" /><br /> <br /> <strong>Myth #2: Thieves Only Steal New Cars</strong> &ndash; It should be noted that the majority of cars stolen are older vehicles. In fact, when looking at the total list of stolen cars, the vast majority are not new cars, but rather older model domestics and imports. Do not be fooled into thinking that thieves will only go after new cars. It is quite the opposite. Car insurance companies know this and therefore the price of comprehensive coverage on older cars still tends to be expensive.<br /> <br /> <strong>Myth #3: Auto Theft Reimbursement</strong> &ndash; Similar to the last myth, some people do not have comprehensive coverage on older vehicles because they feel like they cannot afford it. While this may be true, it must be noted that if comprehensive coverage is not selected for the vehicle then the vehicle is not covered in the case of any theft. Oftentimes people think that theft coverage comes with basic insurance policies. This is simply not the case. You must understand the difference between liability insurance and comprehensive, full coverage insurance. Theft insurance is not included with standard liability insurance.<br /> <br /> <strong>Myth #4: Loan Payoff with a Totaled Vehicle</strong> &ndash; If you have a loan on a vehicle, and that car is totaled, the insurance company will only pay you for the value of the car itself, not what the remainder loan total is. This is a very important distinction. There exists a product in the insurance market place called gap insurance. This gap insurance is designed to take care of this exact situation when the value of the vehicle is less than the amount it cost to pay off the loan on the vehicle. You may want to consider having gap insurance for this very purpose. Do not be fooled into thinking that your insurance company will pay off your total loan if your vehicle is totaled and you do not have gap insurance.<br /> <br /> If you have any questions about these or any other <a href="http://www.claudereynoldsinsurance.com/automobile/louisville-auto-insurance.aspx" target="_blank">auto insurance</a> myths, feel free to contact one of our <a href="http://www.claudereynoldsinsurance.com/employees.aspx" target="_blank">agents</a>. They will be happy to answer any questions you may have about auto insurance.<br /> <br />urn:uuid:6ff1a4f1-eedc-4a81-9aaa-6425b3eedbd1<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/louisville%20motorcycle%20insurance.jpg' align='left' />Getting ready for the riding season, here are a few tips to help keep you safe. 1. Learn - 9 out of 10 motorcycle accidents involve riders with no formal training. Knowing your bike's capabilities, how it performs on slick pavement or in a curve can...Wed, 16 Mar 2011 16:16:36 -0500Getting ready for the riding season, here are a few tips to help keep you safe.<br /> <br /> <strong>1. Learn</strong> - 9 out of 10 motorcycle accidents involve riders with no formal training. Knowing your bike's capabilities, how it performs on slick pavement or in a curve can help prevent common errors such as overbraking, driving too fast, or undercornering. All which are major factors in many single bike accidents. Taking a <a href="http://drlic.kytc.ky.gov/motorcycle/kmrep.htm" target="_blank">Motorcycle Rider Course</a> is recommended to develop basic riding skills and techniques.<br /> <br /> Many insurance companies offer discounts to riders who complete a motorcycle safety riding course. These course as well as memberships to groups who promote safe riding can reduce your premium by up to 10 percent. For more information on discounts available for <a target="_blank" href="http://www.claudereynoldsinsurance.com/motorcycle/louisville-motorcycle-insurance.aspx">Louisville motorcycle insurance</a>, contact one of our agents at (502)933-2255 or (800)468-1215. <img title="Louisville Motorcycle Insurance" alt="Louisville Motorcycle Insurance" style="width: 250px; height: 160px; float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/louisville%20motorcycle%20insurance.jpg" /><br /> <br /> <br /> <strong>2. Inspection and Maintenance</strong> - After a long winter, it's always a good idea to check your bike to make sure everything is working properly. You should actually make a habit of inspecting your motorcycle before each ride, but especially when your bike hasn't been used for a while.<br /> <br /> - Test the lights, brakes, and turn signals.<br /> - Make sure the mirrors are positioned correctly.<br /> - Check the oil and fuel levels.<br /> - Check the cables to make sure they aren't worn or frayed.<br /> &nbsp; <br /> It is also important to know how to perform basic maintenance on your bike. This can be especially important for long rides or trips. Your owner's manual can usually give you most of directions you'll need.<br /> <br /> <br /> <strong>3. Invest in Good Gear</strong> - No one's too old to wear a helmet. Riders who don't wear helmets are 5 times more likely to suffer a critical head injury in an accident. Wearing the appropriate gear is always a smart move for both comfort and protection. That includes a helmet (DOT label, which shows that it meets federal safety standards), eye protection, long sleeve shirt or jacket, full finger gloves, long pants, and shoes that cover your ankles.<br /> <br /> - Buy a full face helmet for the best protection of your head and eyes. Choose a helmet that fits well. If it doesn't have a face shield wear safety glasses.<br /> - Wear heavy leather or synthetic gloves, long pants, and jacket. Trust us the expense will be well worth it if you are ever in an accident.<br /> - Invest in over-the-ankle leather boots or even sneakers<br /> <br /> Did you get some new gear this year? Make sure that your motorcycle policy covers each piece of your equipment and is listed on your policy. Whether its new safety equipment or modifications to your bike, be sure to update your policy before you hit the road.<br /> <br /> <br /> <strong>4. Stand Out</strong> - When motorcycles collide with other vehicles, it's often because the driver of the other vehicle couldn't see the motorcycle. It's important to take extra steps to become more visible to other drivers when on the road. Wearing bright clothing or retroreflective material can help make yourself easier to be seen. It's also recommended that you use your headlights, even during the day, and make a point of positioning yourself in your lane of visibility.<br /> <br /> <br /> <strong>5. Ride Sober</strong> - Riding impaired by drugs, alcohol, or even prescription drugs is much more dangerous for bikers than other drivers. It impairs your judgment and drastically slows your reaction time. More than half of all motorcycle deaths occur when a rider has been drinking.<br /> <br /> <br /> <strong>6. Always Obey the Law</strong> - Don't speed and know the local traffic laws when you're out on the road.<br /> <br /> - Don't speed<br /> - Don't tailgate other vehicles<br /> - Don't weave through traffic or drive on the shoulder<br /> - Be considerate and respectful to other drivers<br /> - Use your turn signals<br /> <br /> <br /> Be smart and follow these basic motorcycle tips and you'll have a safer spring and summer of riding. Get a free <a href="http://www.claudereynoldsinsurance.com/motorcycle/insurance_quote.aspx" target="_blank">online motorcycle insurance quote</a> or talk to one of our agents at (502)933-2255 or (800)468-1215.<br /> <br />urn:uuid:1bbad28e-f86e-4244-a9dd-65fe3983d380<img src='http://www.ClaudeReynoldsInsurance.com/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/renters%20insurance.jpg' align='left' />If you are renting a house or an apartment, renters insurance could be one of the best investments you will ever make. It is important for renters to know what renters insurance covers in order to ensure that their possessions are protected from loss...Wed, 09 Mar 2011 18:19:06 -0600If you are renting a house or an apartment, renters insurance could be one of the best investments you will ever make. It is important for renters to know what renters insurance covers in order to ensure that their possessions are protected from loss, theft, or damage.<br /> <br /> <img style="width: 250px; height: 166px; float: left; margin-right: 10px;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/renters%20insurance.jpg" title="Renters Insurance" alt="Renters Insurance" />No one likes to think about it, but a burglar could break into your home while you're at work or on vacation and steal your jewelry, computer, entertainment system, or other valuable items. Unless you have renters insurance, the cost to replace the stolen items will have to come out of your own pocket. By choosing to purchase renter's insurance, you will be covered for either the replacement costs of the stolen items or the current value of the items, depending on the type of coverage you chose. <br /> <br /> When selecting renters insurance there are 3 coverages that you should consider. The first is coverage to replace personal property if they are stolen or damaged by fire, etc. The second is personal liability coverage in case a claim is brought against you for personal injury or property damage. And the third is compensation for temporary relocation in the case of the event of a loss.<br /> <br /> Perhaps you don't think there is a high probability of burglary in your neighborhood. But what about fire? Fires can start randomly and often begin from things which are out of your control, like poor electrical wiring. You could come home one day only to find that everything you own has been destroyed. By choosing to buy renters insurance, you will at least have the money to start over, should something this horrible should happen to you. &nbsp;<br /> <br /> Renters insurance also covers personal liability, something that most people don't even consider. If someone visiting your home should injure themselves, you could be held liable for any medical expenses. With renters insurance can protect you from this liability.<br /> <br /> Many people make the mistake of thinking their possessions are covered by their landlord's insurance, but this is not the case. Normally, a landlords insurance only covers loss or damage to their property. It also covers their liability for personal injury on the property, but does not always covers injuries inside a renter's apartment. <br /> <br /> Before talking to an agent about a renters insurance policy, take an inventory of all items that you would want to replace should they be lost or damaged. Especially take note of any high value items or items that would be difficult to replace. You should record detailed information about those items such as serial numbers, make, and model. It may also be beneficial to take photos of these items for identification purposes. Be sure to talk with your insurance agent about any high value items that you may have since they may require additional coverage.<br /> <br /> <img style="width: 250px; height: 193px; float: right;" src="/img/%7Ewww.ClaudeReynoldsInsurance.com/Blog/louisville%20renters%20insurance.png" title="Louisville Renters Insurance" alt="Louisville Renters Insurance" />Similar to other insurance policies, renters policies have deductibles (the amount of money you will have to pay before you receive any money from the insurance company). So if you have a policy with a $500 deductible and you have a $1500 camera that is stolen, you would be reimbursed by the insurance company for $1000. You can lower the premiums of your insurance by choosing a higher deductible, but if there is a loss you will have more out-of-pocket costs.<br /> <br /> Most renters insurance doesn't cover "acts of God", such as floods or earthquakes, but you can often get additional coverage for these. If you live in an area with a high probability of one of these events, the extra coverage may be well worth the money. <br /> <br /> Depending on where you live, renters insurance can be extremely inexpensive. Most renters can get all the coverage they will need for as little as $20 - $30 a month. The benefits and peace of mind that these policies provide far outweighs the cost of protection. Don't be one of the many people who don't realize the benefits of renters insurance until it's too late. <br /> <br /> If you don't have a renters insurance policy, you can get a free <a target="_blank" href="http://www.claudereynoldsinsurance.com/renters/insurance_quote.aspx">renters insurance quote</a> and see for yourself just how affordable renters insurance can be. Or if you have questions about your current policy, feel free to <a href="http://www.claudereynoldsinsurance.com/employees.aspx" target="_blank">contact</a> one of our agents. They can answer any questions you may have and help you get the coverage you need.<br /> <br />urn:uuid:8b92fc1e-d043-45c2-bd2f-bd7b3cb6cc5bVehicle Thieves Rarely Take a Holiday New Year&rsquo;s Day and Halloween See Most Theft Activity DES PLAINES, Ill., Dec. 28, 2010 &mdash; Once again, New Year&rsquo;s Day was the leading holiday for reported vehicle thefts in 2009, according to an an...Thu, 30 Dec 2010 13:02:25 -0600<h2 style="text-align: center;">Vehicle Thieves Rarely Take a Holiday</h2> <p style="text-align: center;"><em>New Year&rsquo;s Day and Halloween See Most Theft Activity</em></p> <strong>DES PLAINES, Ill., Dec. 28, 2010 &mdash; </strong>Once again, New Year&rsquo;s Day was the leading holiday for reported vehicle thefts in 2009, according to an analysis by the National Insurance Crime Bureau (NICB). Christmas Day repeats as the holiday with the fewest reported vehicle thefts.<br /> <br /> While Americans are enjoying the holidays and most have time off from work, we need to remember that holidays are just another day at the shop for vehicle thieves. For the 11 holidays reviewed in 2009, a total of 22,991 vehicles were reported stolen compared with a total of 24,676 reported for those same days in 2008.<br /> <br /> Although vehicle thefts have been declining for six consecutive years&mdash;with preliminary 2010 FBI theft data pointing to a seventh year&mdash;we must maintain our vigilance. There is always a black market for items obtained by theft, and vehicles remain popular theft targets.<br /> <br /> The full report is available at: <a href="/File%20Library/Public%20Affairs/2008-2009-Holiday-Theft-Analysis.pdf">www.nicb.org//File%20Library/Public%20Affairs/2008-2009-Holiday-Theft-Analysis.pdf</a>.<br /> <br /> The holidays ranked by number of thefts reported to the National Crime Information Center (NCIC) in 2009 were:<br /> <table> <tbody> <tr> <td>New Year&rsquo;s Day<br /> </td> <td>&nbsp;</td> <td>&nbsp;2,760</td> </tr> <tr> <td>Halloween</td> <td>&nbsp;</td> <td>&nbsp;2,325</td> </tr> <tr> <td>Independence Day <br /> </td> <td>&nbsp;</td> <td>&nbsp;2,207</td> </tr> <tr> <td>Memorial Day<br /> </td> <td>&nbsp;</td> <td>&nbsp;2,207</td> </tr> <tr> <td>President&rsquo;s Day</td> <td>&nbsp;</td> <td>&nbsp;2,204</td> </tr> <tr> <td>Labor Day</td> <td>&nbsp;</td> <td>&nbsp;2,202</td> </tr> <tr> <td>New Year&rsquo;s Eve<br /> </td> <td>&nbsp;</td> <td>&nbsp;2,189</td> </tr> <tr> <td>Valentine&rsquo;s Day</td> <td>&nbsp;</td> <td>&nbsp;2,090</td> </tr> <tr> <td>Christmas Eve</td> <td>&nbsp;</td> <td>&nbsp;1,851 <br /> </td> </tr> <tr> <td>Thanksgiving<br /> </td> <td>&nbsp;</td> <td>&nbsp;1,620</td> </tr> <tr> <td>Christmas Day</td> <td>&nbsp;</td> <td>&nbsp;1,336<br /> </td> </tr> </tbody> </table> <p>The NICB reminds drivers to be alert during the busy holiday season. That includes parking in well-lit areas, keeping packages in the trunk or out of sight, and making sure your vehicle is locked while it&rsquo;s parked.</p> About the National Insurance Crime Bureau:&nbsp; headquartered in Des Plaines, Ill., the NICB is the nation&rsquo;s leading not-for-profit organization exclusively dedicated to preventing, detecting and defeating insurance fraud and vehicle theft through information analysis, investigations, training, legislative advocacy and public awareness. The NICB is supported by nearly 1,100 property and casualty insurance companies and self-insured organizations.&nbsp;NICB member companies wrote over $319 billion in insurance premiums in 2009, or more than 78 percent of the nation&rsquo;s property/casualty insurance. That includes more than 93 percent ($151 billion) of the nation&rsquo;s personal auto insurance. To learn more visit <a href="/">www.nicb.org</a>.<br /> <br />urn:uuid:8eb920cd-b204-4138-80e3-d6a306e75c90<img src='http://www.ClaudeReynoldsInsurance.com/img/~www.ClaudeReynoldsInsurance.com/icy-roads.jpg' align='left' />Tips for driving on ice Minimize your risk and avoid unexpected car insurance claims by paying attention to your safety when driving on ice. When the weather turns bad and you&rsquo;re out in your vehicle, it can be tempting to put your foot down to ...Thu, 16 Dec 2010 09:57:50 -0600<h1 class="h1-underline">Tips for driving on ice</h1> <p><strong>Minimize your risk and avoid unexpected car insurance claims by paying attention to your safety when driving on ice.</strong></p> <p>When the weather turns bad and you&rsquo;re out in your vehicle, it can be tempting to put your foot down to drive home as quickly as possible.</p> <p>However, icy roads and excessive speeds spell trouble. Take heed of our simple tips for driving safely on ice to cut down the chance of accidents or expensive&nbsp;<a href="http://www.claudereynoldsinsurance.com">car insurance</a>&nbsp;claims.&nbsp;</p> <h2><img alt="" src="/img/~www.ClaudeReynoldsInsurance.com/icy-roads.jpg" /></h2> <h2>How to drive on ice&nbsp;</h2> <p><strong>Lower your speed on icy roads</strong>&nbsp;</p> <p>Authorities set speed limits according to normal driving conditions and that means you shouldn&rsquo;t be trying to reach them when you&rsquo;re driving on ice. Ensure you&rsquo;re driving safely under the speed limit and remember that driving quickly results in more dangerous accidents. It&rsquo;s harder to come to a quick stop when ice is on the road.&nbsp;</p> <p><strong>Give yourself plenty of space</strong>&nbsp;</p> <p>Because stopping is more difficult &ndash; and up to ten times slower &ndash; on ice, make sure you leave plenty of space between you and the car in front. A good rule of thumb is to make sure you&rsquo;re driving with at least three times as much space between you and the car in front as you would normally.&nbsp;</p> <p><strong>Break gently when you&rsquo;re on ice</strong><strong>&nbsp;</strong></p> <p>Make sure you brake gently when driving on ice; otherwise you run the risk of skidding. If your wheels begin to lock, ease off the brake gently to remain in control.&nbsp;</p> <p><strong>Listen to your tires</strong></p> <p>If you suspect you may be driving on ice but aren&rsquo;t sure, listen out for your tires. Silent tires are a good indication you&rsquo;re driving on ice and you should adjust your driving accordingly.<strong>&nbsp;</strong></p> <p><strong>Driving uphill</strong>&nbsp;</p> <p>When you&rsquo;re driving up steep hills, avoid stopping the car, it could behave unpredictably and become stuck or swerve off course in icy conditions.&nbsp;</p> <p><strong>Driving downhill</strong>&nbsp;</p> <p>If driving downhill, begin your descent as slowly as you can and make sure you switch to a low gear if you have to stop for any reason. However, if you can avoid stopping your car at all when going downhill, then so much the better. Be careful not to get too close to cars in front of you, and try and avoid steep hills on icy days if possible.&nbsp;</p> <h2>How to recover on ice&nbsp;</h2> <p><strong>Skidding on ice</strong>&nbsp;</p> <p>If you do skid, depress the clutch and turn your steering wheel into the direction of the skid. Don&rsquo;t brake &ndash; this is more likely to lock your wheels and make the skid worse &ndash; instead, take your foot off the accelerator.&nbsp;</p> <p><strong>Prepare for driving on ice</strong></p> <p>There are some things you can do before even getting into your car, such as making sure you have a scraper and de-icer on hand for emergencies. Also ensure you always have a charged mobile phone, a first aid kit and a tow-rope in your car, as you never know what problems you could encounter when driving on an icy road.&nbsp;</p> <p>Driving safely on ice means you&rsquo;re less likely to suffer injury while on the road and less likely to lose your no claims bonus, which, if it happened, could drive up the cost of your&nbsp;car insurance. Pay attention to safety on the road when you&rsquo;re driving on ice for a win-win situation and a safe journey home.<br /> <br /> <br /> </p>urn:uuid:dbbd51d7-ffdd-48f7-9b1a-1ded34f8f54cA storm that swept through the Louisville region Tuesday with wind gusts up to 75 mph knocked down trees and wires but caused no major damage. In Jefferson County, there were dozens of reports of downed trees and electrical wires, MetroSafe Communica...Wed, 27 Oct 2010 09:44:32 -0500A storm that swept through the Louisville region Tuesday with wind gusts up to 75 mph knocked down trees and wires but caused no major damage. In Jefferson County, there were dozens of reports of downed trees and electrical wires, MetroSafe Communications officials said.<br /> <br /> The storm dropped a half-inch to 1.13 inches of rain in Louisville, which wasn't enough to affect the area's current drought status, said Tom Reaugh, a meteorologist with the National Weather Service in Louisville.<br /> <br /> As the worst of the storm blew through, the weather service issued a tornado warning from 11:22 a.m. to noon for Jefferson and surrounding counties, including those in Southern Indiana.<br /> <br /> During the warning there were two unconfirmed reports of funnel clouds, including a brief touchdown along the Ohio River near the McAlpine Locks and Dam, Reaugh said.<br /> <br /> The other funnel cloud was reported near Dixie Highway just south of the Watterson Expressway, but there was no confirmed touchdown, said Mike Crow, a weather service meteorologist.<br /> <br /> The strongest winds topped out at an estimated 75 mph in eastern Jefferson County near the Gene Snyder Freeway and Old Henry Road area. Most winds during the storm were 20 to 40 mph, Reaugh said.<br /> <br /> LG&amp;E's outages website showed fewer than 400 customers without electricity in Jefferson County as of 5 p.m., down from the several thousand who reported they'd lost power shortly after the storm.<br /> <br /> Winds knocked over a tractor-trailer on Interstate 65 near Shepherdsville, blocking two lanes, according to transportation cabinet officials, but those lanes reopened shortly after the accident.<br /> <br /> The storms also caused damage around Kentucky, said Mike Callahan, a hydrologist with the weather service in Louisville.<br /> <br /> The roof was taken off a building in Hopkinsville in Southern Kentucky.<br /> <br /> In Southern Indiana, the main problem was power outages.<br /> <br /> Duke Energy at one point had more than 600 customers without power in Clark County, close to 200 in Floyd County and a much smaller number in Harrison County.<br /> <br /> Shortly after 5 p.m. the numbers were less than 200 without power in Clark County and just more than 200 in Floyd County, according to the Duke Energy website.There were only scattered reports of trees down in Clark and Floyd counties, police and emergency management officials said.<br /> <br /> In Central Indiana, a tornado struck about two miles east of downtown Kokomo, heavily damaging one home and causing roof damage to six other structures.<br /> <br /> Rick Shanklin, warning coordination meteorologist with the National Weather Service in Paducah, Ky., said investigators would head into the field in the coming days to investigate reports of tornadoes.<br /> <br /> Weather was expected to stay clear overnight with mostly sunny skies and a high of 75 for today. No additional rain is expected in the area until Monday night, Reaugh said.<br /> <br /> Source Courier Journal.<br /> <br /> If any of our customers at Claude Reynolds Insurance Agency were affected by yesterday's storms, please&nbsp; contact us for immediate claims support.