We at Russ Siebert Insurance care about our customers. Friendly reminder that when you set your clocks for day light savings time, it is the perfect time to also change the batteries in your smoke detectors.
Benefits to using an Independant Agent
When you use an independant insurance agent, commonly referred to as a broker, you benefit in many ways. They are knowledgeable in coverage and available options. They are also able to check with multiple carriers so that they can offer you competitive rates. Contact us for your insurance needs in Missouri and Illinois.
Help Avoid Frozen Pipes
Helpful hints to avoid frozen pipes- *Watch your water pressure this time of year because the first sign of a frozen pipe is reduced water flow. *Let cold water trickle from your faucets during the evening when the temperature is the coldest. This helps prevent freezing, as moving water should not freeze. *Disconnect garden hoses and drain your outdoor pipes to prevent damage during the winter. During cold periods, if a garden hose is left connected, ice can form and pressure can build up in ...
Tickets and Accidents
No one ever plans to have an accident or get a ticket, but it happens. Some carriers are more competitive with driving activity. That is why it is good to use an independant agent that has many companies and many options to find you a competitive rate. We even have a company that has an accident/violation forgiveness program for certain drivers.
Chimney Fire Prevention
* Insure the system has been properly installed- If in doubt have it checked *Operate the appliance within the temperature limitations suggested by the manufacturer *Clean and inspect the system at least yearly using a qualified professional *Burn seasoned hard wood (source:http://www.ready.gov/homes-fires)
Make sure that you check your smoke detectors on a regular basis. It could save your family's life. It is recommended to change the batteries when daylight savings time occurs as this is an easy way to remember. The cost of batteries is a small price to pay to help keep safe.
Do's and Don's of Driving Teens
Do make seat belts a requirement for your teen and passengers Don't allow your teen to pile his/her car full of friends Do restrict driving during high risk hours Don't stand for driving under the influence Do create a safe driving contract with your teen. Cover the safety essentials, including wearing seat belts. Have your teen sign the contract making sure they know the ramifications of breaking it. Help your teens stay safe and the roads!
Auto Insurance Discounts
Driving records are obviously a rating factor when it comes to auto insurance. We have a carrier that has an accident or violation forgiveness program that can save a tremendous amount of money. Call us today to see if you are eligible for the accident/violation forgiveness program.
Roofs and Insurance
The age of your roof has become an important thing when obtaining home insurance in Missouri. If you have recently replaced your roof contact your insurance company. You may be able to get a more competitive rate. If you need a quote on competitive home insurance call Russ Siebert Insurance Agency, 636-343-1200.
Managing Insurance Cost
One way to reduce your premium on your auto and home insurance policies is by going with higher deductibles. You can contact our agency to find out how much higher deductibles would save you. We are happy to help with your insurance needs.
Many people experience frozen pipes when the temperatures outside drop. There are many things you can do to help prevent your pipes from busting. Keep a faucet in the house at a slow drip. Also, you can keep the cabinets underneath sinks open to allow heat in. There is also heating tape you can purchase at your local hardware store that helps keep your pipes warm. Stay Warm!