^ Ways to Lower Your Auto Insurance

Check out these six money-saving tips and take the sting out of buying insurance.

#1 Raise your deductible. It’s a gamble, sure. You’ll be responsible for a larger amount of the bill should you get into an accident. However, this is a guaranteed way to lower your annual insurance costs.

#2 Shop around. Staying with the same insurance company year after year may not be in your best interest. You can cancel or change your policy at any time—you don’t need to wait for the policy to expire. So shop your insurance every six months and compare prices to ensure you are getting the best deal.

#3 Remove unneeded extras. Although knowing you have towing and rental car coverage may help you sleep at night, those add-ons are rarely used and not necessarily worth the cost. You pay between $10 and $30 a year over the life of your policy to cover towing. And in the unlikely situation that you need a tow, you’ll pay about $100. Likewise, a small economy car costs $20-$25 a day to rent and car rental tacks on another $20-$40 to your insurance bill each year. So you can sleep well knowing that you saved yourself some money.

#4 Protect your credit. More insurers have begun using credit-based insurance scores to determine what you pay for your policy. So paying the water bill on time will actually keep your insurance costs down.

#5 Research discounts. Cars with safety and anti-theft devices cost less to insure. You can also knock off a few bucks if you insure your car and home with the same company. People who abstain from alcohol, get good grades in school or take a driver education course are also rewarded with lower premiums.

#6 Get informed. The easiest way to save on any insurance is to research before you buy. And get recommendations from family and friends.

And now for the shameless plug: shop here to find quotes and matched with agents from your area!

Auto Insurance

Auto insurance protects you from damage to the often considerable investment in a car and/or from liability for damage or injury caused by you or someone driving your vehicle. It can also help cover expenses you or anyone in your car may incur as a result of an accident with an uninsured motorist.

Auto liability coverage is necessary for anyone who owns a car. Many states require you to have liability insurance before a vehicle can be registered. However, state-required minimum coverage often does not provide adequate protection. Suggested minimums are $100,000 for medical expenses per injured person, $300,000 for the total per accident, and $50,000 for property damage. Collision, fire, and theft coverage is also advisable for a vehicle having more than minimal value. You can cut costs, however, by choosing a higher deductible -- the amount of loss that must be exceeded before you are compensated.

The cost of auto insurance varies greatly, depending on the company and agent offering it, your choice of coverage and deductible, where you live, the kind of vehicle, and the ages of drivers in the family. Substantial discounts are often available for safe drivers, nonsmokers, and those who commute to work via public transportation.

Long Term Care

The aging of America, and the increasing health care expenses that will follow, are the biggest factors contributing to the growing interest in long-term care insurance.
Demographers predict that a third of all people who reach age 65 will need to enter a nursing home at some point in time.
Today the average cost of private nursing home care in America tops $74,000 a year, making private long-term care insurance a potentially smart investment for individuals who want to protect assets and avoid burdening their family.
In general, long-term care insurance covers a range of nursing home and community-based personal care services for individuals who need ongoing assistance due to illness or disability.
Neither Medicare, Medicare supplemental coverage, nor standard health insurance cover long-term care expenses.
Premium costs increase as you age, so the younger you are when you purchase a policy, the lower the premiums you'll pay during the life of the policy.
Checklist
Be sure you read and understand all of the fine print on any long-term care insurance policy you are thinking about buying.
Investigate the cost of care at facilities in your area, so that you can get an idea of how much coverage you might need.
Find out if your employer offers extra long-term care coverage as an optional benefit.

Make sure Your Business Insurance Has You Fully Protected!

The other day a prospective customer dropped of his policy so that I could review it and possibly save him money on his premium. I was astonished that the policy only covered liability and systems breakdown. The policy had multiple exclusions in the body of the agreemment including no theft, no products and completed operation, no damage to goods of others, no employee dishonesty and other important coverages that would reduce the business owners exposure to a loss.

I submitted an application to my carriers and within a day I started receiving multiple quotes back. I was able to add coverages that would fully protect the insured and even saved him $325 annually in premium.

It is very important to review your policies. The owner of the store was vulnerable to loss on so many exposures and very fortunate he never experienced a loss. An annual review is the best way to make sure the policy covers the exposures you currently have and to see if any carriers have new policies with enhanced coverages.

As an independent agent, we work with many companies and can find you the best carrier for your commercial business.

Call or e mail MJF 866-983-8726
mjfinsagencyinc@yahoo.com or visit our website at www.mjfinsurance.com

We are licensed in NY,NJ,CT,PA and FL

Price Reduced On MJF Online Defensive Driver Classes For NY and NJ Drivers

Defensive Driving Online Course
The American Safety Council - Assisting and educating Americans in ways to make our world a safer place. American Safety Council, Inc. and its affiliate organizations have provided educational courses for state regulatory agencies and court systems for more than ten years. Through several operating divisions, the American Safety Council offers a diverse line of products and services, including state approved traffic safety education, safety related training, continuing education for regulated professionals, in addition to self-help, non-credit and pre-licensing education.

Visit www.mjfdefensivedriver.com to get more info and take the course.

MJF Offers Florida Driver Improvement Classes Online

8-Hour Traffic School (IDI)
This course can be taken by anyone who has been ordered by a Florida judge or court to attend an 8-hour traffic school course. In some counties, mainly Miami-Dade, Broward, Palm Beach, and Orange, this course is called Intermediate Driver Improvement (IDI). The IDI course can be taken if a driver has already attended a 4-hour Basic Driver Improvement course within the previous year and the court has given that driver an option to attend an 8-hour course to keep points off for a recent traffic violation.


Advanced Driver Improvement (ADI)
This advanced driver improvement class was developed to help you get behind the wheel of a car again as quickly as possible. Having your license suspended or revoked can feel like you have had your freedoms taken away, but this course saves the day by providing a quick and easy way to get it all back. This Florida ADI course is 100% online, which means you can work on it from any computer with a basic internet connection. This gives you the flexibility that your busy schedule needs so you can go about your normal routine and still have the time to take this Florida ADI course. This course is for anyone who has had their license suspended or revoked and has been ordered by the court to take an advanced driver improvement class to get it back.



Basic Driver Improvement (BDI)
Students typically select this option when they have received a traffic citation and elected to attend traffic school in order to avoid points and insurance penalties.

Go to www.mjfinsurance.com and click on Helpful Links header to find the online Courses.

N.Y. Condo Owners

If you own a condo in New York State then M.J.F. has the policy for you. Our carrier recently received insurance department approval to reduce there premiums by 15%. If you would like a quote please call us at 866-983-726 or visit our website at www.mjfinsurance.com.

Looking For Term Life Insurance?

MJF represents many life insurance companies. We offer Annual Renewable Term, 10 year Level Term, 15 year Level Term, 20 Year Level Term and and 30 Year Level Term. We can create a plan for the amount of years of coverage you need. The rates we offer are very low and with A rated carriers. For more information go to our website or call 866-983-8726 if you live in NY,NJ,PA,CT or FL and we will provide a free quote for you.

Auto And Homeowners Coverage

Recently received an increase on your auto or homeowners premium? M.J.F. can help you! Just go to our website or call our office and we will be happy to review your current coverage and make sure you have the proper coverage and locate the best available rate and
We write in the following states: NY,NJ,CT,PA & Florida.

Visit us at www.mjfinsurance.com or call us at 866-983-8726 for your free quote!

M.J.F. Can Insure Security Guard, Pest Control, Private Investigators, Security Consultants, Cosmetic Manufacturers, Alarm Companies and Salons and Spa's With Top Rated Carrier

M.J.F. Can Insure Security Guard, Pest Control,Private Investigators,Security Consultants,Cosmetic Manufacturers,Alarm Companies and Salons and Spa's With Top Rated Carrier

We can insure these risks with a top rated carrier. Call M.J.F. Insurance to review your current policy, once we determine your coverages are sufficient, we can then provide you with a quote from our carrier. We have been very successful in providing a quality product at a great premium for these risks.

We can be reached by phone at 866-983-8726 or
e-mail mfusco@mjfinsurance.com
We are licensed in N.Y.,N.J.,CT,PA & FL

Canine Legal Liability

M.J.F. offers Canine Legal Liability Insurance for N.Y. residents. If you own one of the following dogs you may not be able to rent a home,apartment or secure a homeowners or renters policy: Dalmation, Akita,Pit Bull Breeds,German Shephard,Rottweiller,Doberman,Bull Mastiff,Husky,Chows or Presa Canarios. Our carrier offers $100,000 in liability coverage with a $500 deductible and even offers a multi dog discount for two dogs. The program is the first admitted market in the United States to offer a stand alone policy. Whether you are required to carry Canine Liability by your landlord or homeowners carrier or just want the peace of mind knowing you are protected you can call the M.J.F. Insurance Agency for more information.

Our website is www.mjfinsurance.com. or call
866-983-8726

Barber and Beauty Salons Program

MJF offer a program for barber shops and Beauty Salons for your commercial general liability. If you feel you are paying a high premium for your current coverages let MJF quote your policy. You can call us at 866-983-8726
or visit our website www.mjfinsurance.com

Renters Insurance

M.J.F. offers renters insurance to cover the contents of your apartment. Although most renters do not purchase renters insurance it is coverage they should carrry. By not having renters insurance you can suffer a loss either by theft, flood or fire. The landlord does not have coverage under their homeowners to cover your contents. For a minimal premium you can insure your contents to value. Please visit our website or call for a quote.

866-983-8726

www.mjfinsurance.com

M.J.F. Launched Company Website

M.J.F. launched it company website this week. You can visit us on the web at
www.mjfinsurance.com

In addition to offering premium financing we now accept American Express, Visa, Master Card, Discover and EFT payments for most policies.

You can also visit us on Facebook.

We are licensed in NY,NJ,CT,Fl and PA. You can find our online FL,NY and NJ ONLINE defensive driver classes and O.S.H.A. Safety Training classes under our helpful links section of our website.

or call toll free for more information at
866-983-8726