Month: November 2019

4 Wasteful Habits to Watch Out For

No one likes to feel like they’re being wasteful. Luckily, you don’t have to radically transform your lifestyle to feel better about your everyday consumption and spending habits.

Want to make a few easy changes? Here are some tips to help you stick to your budget, minimize your environmental impact and save yourself time and stress:

Spend Less Time Behind the Wheel

Between gas costs and regular maintenance, cars can be a real cash drain. Consider taking public transportation or carpooling to save. If your employer allows it, working remotely can also help you cut down on your driving time.

Don’t Overbuy at the Grocery Store

How often do you toss spoiled fruits and veggies into the trash? Shop smarter by creating a grocery list based on three to five meals you know you’ll have time to prepare (and then don’t buy beyond that). It also pays to look at ads in advance to see which pantry items are on sale.

Cut Back on Recurring Subscriptions

It seemed like a good idea to spend $20 a month for unlimited car washes, but you haven’t gone in months. Are you getting enough value from your music and TV streaming subscriptions? What about that meal kit service? It pays to regularly review recurring charges like these to see which ones are really worth it.

Turn Off Energy Hogs

Unplug – don’t just turn off – the devices you aren’t using, like the gaming computer in the spare bedroom or the big-screen TV. And the next time you’re ready to upgrade your appliances, check with your utility company: some offer rebates for energy-efficient models.

Choosing the right insurance policy is also a great way to save. Reach out today to one of our team members at Vick Insurance so we can take a closer look at your coverage and make sure you’re not overpaying.

Check out some of our other Vick Insurance Group media on Facebook, Twitter, and LinkedIn.


Try These 4 Tips to Reduce Your Costs

Do you wish you had more control over certain things, including your auto insurance premium?

It’s true that many factors can’t be changed, like your age or how many years of driving experience you have. But with a little effort, you might be able to influence other factors (and potentially lower your premium).

Here are four steps you can take that might help you save a little money on your policy.

1. Follow the Rules of the Road

Even a minor traffic violation can increase your premium. It’s crucial to buckle up, slow down, keep your eyes off your phone, and when possible, avoid the path of dangerous and distracted drivers. Parking in safe areas is helpful, too.

2. Make Smart Financial Choices

It may surprise you, but your credit score can often have an impact on your premium. A higher score may predict less future risk, so try to stay out of debt and avoid making late payments.

3. Don’t Claim the Small Stuff

A long history of insurance claims or gaps in coverage are red flags that typically cost you. Consider taking care of small claims on your own (especially when the repair costs are lower than your deductible) and maintain continuous coverage.

4. Check In Annually

It pays to review your coverage every year or after a significant life event. We can look at possible bundling options and discounts for factors like safe driving.

Need to check in? Have questions about how to reduce your costs? Reach out anytime to one of our team members. Also find us on our social media Facebook, LinkedIn, and Twitter.