Fire is on the Rise this February in NJ

firefighter 1

Recently, there have been three huge fires spreading throughout Warren and Hunterdon Counties in Northern New Jersey.  The most recent fire struck Warren County in Harmony Twsp causing Belvidere Rd (Route 519) to be closed off.  This month’s first big fire was actually in Hillsborough, New Jersey and caused the township schools to be closed and parts of a major highway to be closed as well. Northern New Jersey’s third big fire was in Clinton, NJ.

For all of you Northern New Jersey residents watching the news, it can be scary to see all these fires popping up near you. And so, it is good to feel protected and know that you are taking all the necessary precautions to keep your home safe. Here are some tips from The Archer Group to help keep you and your home protected:

-Remove dead trees, branches and plants from your property

– Be sure your shrubs are pruned

– Maintain your lawn by keeping your grass cut short and have debris removed

– Keep your roof and gutters clean of twigs and other debris

– Cut off branches near your home if they are touching the roof or chimney

– Free the ground of pine needles

– If you store wood outside, place it 50 feet or more from your house

– Put together an emergency kit or make sure all your emergency supplies are in an easy to reach, designated spot in your house. For example, batteries, flashlights, spare set of keys, blankets should all be kept together.

– Consider downloading a couple of news apps to your phone like NJ.com or Lehighvalleylive.com to keep up-to-date on the latest Nj news and happenings.

To find out more tips visit: Farmers Insurance.

Sincerely,

Jason Archer

300 Interpace Pkwy, Ste 400B

Parsippany, NJ 07054

https://www.farmersagent.com/jarcher

Will my Auto Premium go up if I get a Speeding Ticket?

speeding-ticket-614mz080210

So, you just got pulled over for speeding. You’re wondering whether or not this ticket will have an effect on your insurance rate. Unfortunately, it will.

You see insurance is based on risk factors and traffic violations a.k.a. speeding correlates to “higher risk.”  Thus, speeding = higher risk = premium increase.

Similarly, if you were to get into an accident, depending on how bad the accident was, your premium will be adjusted accordingly. For example, a fender bender will attribute to “lower risk.” Therefore, fender bender = low risk = small premium increase.  On the other hand, if you were to get into a head on collision involving multiple vehicles,  this would equate to “higher risk.” And so, head on collision with multiple vehicles = higher risk = big premium increase.

If you have any questions about speeding and risk factors please contact me at 973-394-0212.

Sincerely,

JASON ARCHER

 

 

Should I get Pet Insurance?

Pooke in Farmers T-Shirt

Do you have a pet who means the world to you? Do you treat them like they are your child? Maybe you dress them up in cute clothes like this Pomeranian wearing a Jason Archer Farmers® t-shirt.

The bottom line is your pet is your not only a great companion, but also adds years to your life.  Owning a Dog Can Add 10 Years to Your Life. Pets do so much for their owners and their kids.  I’m sure you have heard or know that simply petting your pet can reduce stress and anxiety. Why not protect your little angel with pet insurance?

Here is a list of 3 Reasons why you need pet insurance?

  1. Pets get sick too  – Just like you and me, pets get sick too and require visits to the vet. Luckily, pet insurance from Farmers Insurance will cover up to 90% on veterinary bills. Your pet will be covered for things like injuries, allergies, surgeries, diabetes, cancer, broken bones, etc.
  2. Increasing animal care expenses – People are not the only ones living longer. Our pet’s life expectancy is increasing as well. With that comes rising animal care costs.
  3. Financial safety net – pet insurance provides peace of mind.

Now you may ask, is Pet Insurance Expensive?  Your pet can be covered for about the cost of pet food.

So what are you waiting for? Give Jason Archer Farmers Insurance Agency a call today at 973.394.0212 or visit. Get a no-obligation quote.

Sincerely,

Jason Archer                                                                                                        

973.394.0212                                                                                

jarcher@farmersagent.com                            

https://www.farmersagent.com/jarcher

 

Why are my Insurance Rates Going Up?

Insurance Rate (2)

Lo and behold, it is your renewal and the price is higher!
So you just got home from work today from and you are going through your mail when you notice a package arrived from Farmers Insurance. Lo and behold, it is your renewal and the price is higher! A range of emotions may pass through your body almost instantly. Disbelief, anger, confusion, hostility and they’re all valid.
Like you, I am also an insurance consumer. You might think because I sell insurance, one of the “perks” of my job is I get discounted rates for being a Farmers agent. Flatly, I am here to categorically deny that notion. Not only do I have to insure my car, home, life/income, but I also need to insure my business on a variety of levels. Like many of you, I see increases on a somewhat regular basis and I enjoy them about as much as any of you would. If you don’t mind, please give me a few minutes of your time to review some of the more common questions I get about a rate increase and some insight why rates only seem to go up…

Insurance is a business like any other
For starters, insurance is a business like any other. It has to make a profit to keep its doors open. Especially this industry; in the event of a major catastrophe, you need your insurance company in a position of financial strength so it can cover the claims its policy holders may have.

But like any other business, it has a number of fixed and variable expenses. Regardless of a fixed or variable expense, the costs of operating a business inevitably are passed on to consumers in the cost of their goods or services.

I have an older vehicle. I thought older vehicles were cheaper to insure. Why did my rate increase?
Many clients have taken the position that their car is a year older so based on the decreased book value, it should be cheaper to insure. To a degree, this is true, but the cost for replacement parts, the labor at a repair shop as well as the expense of processing the claim increase annually which more than offset the diminished value of the car.

I have a clean record – no tickets & no claims. Why did my rate increase?
Another common sentiment is that I had no tickets or claims this year, so why are my rates still going up? Truth be told, insurance companies EXPECT you not to have tickets or claims. The average driver has 2 at fault accidents in their lifetime. So statistically, you are not likely to have a claim. Also, insurance is considered a POOLED risk, meaning the premiums you pay help contribute to the costs of accidents involving other drivers.
Just keep in mind that when “your number is called,” those same other drivers will be helping to pay for your claims. Typically, a company will pay half of what it collects in premiums back out in claims and/or lawsuits, and they set their prices each year based on that philosophy. If it’s a bad year; say they pay out 53 cents of each dollar instead of 50 cents, they likely will add a 3% increase to the inflationary increase they already anticipated to make up for the additional losses due to claims.

Tips and Tricks to Lower Your Insurance Premium
So is there anything you can do to help keep your costs down? Sure. As your agent, I encourage you to keep in touch with me for our rating systems change over time and facets of your car or home may qualify you for further discounts.

For example, a new roof will normally lower your home insurance premium, as would a central reporting security system.

If you add a vehicle recovery system to your car like a Lojack, that can help lower your auto rates, especially if you live in a densely populated part of the state where rates of theft are higher.

But a great and easy way to lower your auto insurance rates is to take an online driver safety course once every 3 years. By doing so, you are showing your insurer that you make safety a priority which minimizes our risk. You may also learn something every now and then which could help you in adverse conditions. Below is the link for one of the more popular online courses that is currently offered. I’m not going to tell you it’s “must-see TV,” but the creators did as good a job as possible trying to at least make the course somewhat humorous.
http://www.myimprov.com/defensive-driving/new-jersey/

The cost of the course is $19.95 per person but you can use the promotion code RC540, NJ201 or whatever other code you can find online to knock $5 off the cost of the course. Once you complete the course, you will receive via e-mail your certificate of completion which you can forward to me so we can apply the discount to your premium. It’s a great deal because you get the discount for 3 full years so your $14.95 investment will pay you back handsomely over time.

Another easy way to save some bucks with us is to take advantage of our Farmers Rewards Visa Card in which you will earn a 3% cash back bonus each time you use the card to pay your Farmers premiums. As far as I know, Farmers is the only company to offer this benefit to its policy holders for using their own branded credit card. There is no annual fee for the card and you even get 0% APR on purchases for the first 12 months. If interested, let me know and I can forward you the application to apply.

Best Regards,
JASON ARCHER                                                                                                          

973.394.0212                                                                                  

jarcher@farmersagent.com    

https://www.farmersagent.com/jarcher

 

Winter Storm Jonas Slams New Jersey

Winter Storm Jonas

I think it  is safe to say that winter is upon us. Winter Storm Jonas was New Jersey’s first big 2016 snowstorm. Record coastal flooding struck New Jersey and snowfall totals were through the roof!

Allow me to offer some words of advice to help prepare you for the winter months ahead.

First, weather strip your windows or doors to prevent cold drafts. Weather strips are not expensive and can be picked up at your local Lowe’s store.

Second, make sure your gutters are clean and nothing is blocking them. Blocked gutters can cause ice and snow to damage your roof or flood your foundation.

Third, try insulating your attic to prevent ice dams. 

Fourth, did you know that anything more than 2 feet of snow on your roof can cause it to collapse? If you have easy access to your roof, all you need is a broom and you could easily sweep some of the snow off to keep the roof from collapsing.

Fifth, pruning trees and branches around the house that are close or touching the house can protect your home from falling branches full of ice. 

Sixth, stock up on the necessities when there is an impending storm such as bread and milk or eggs. 

If you are interested in learning more Winter Weather Tips from Farmers Insurance, check out this article from Farmers® Insurance: Winter Weather Home Maintenance Checklist.

Sincerely,

Jason Archer

300 Interpace Pkwy, Ste 400B

Parsippany, NJ 07054

What is PIP?

What is Pip

PIP is a MANDATORY Coverage in the state of NEW JERSEY. It stands for Personal Injury Protection.

One of the most frequently questions asked at Jason Archer Farmers Insurance Agency is “What is PIP?” Considering it is the MOST IMPORTANT COVERAGE on an Auto Policy, it is vital that people not only know what it stands for, but also what it means.

PIP usually covers an insured person, covered family members and other covered individuals for reasonable and necessary expenses for bodily injury caused by a covered accident. It covers such expenses as medical and hospital care, income continuation, child care, and loss of services.

If you live in New Jersey and want to learn more about your Personal Injury Protection or PIP coverage on your Auto Policy contact Jason Archer Farmers Insurance Agency: call 973.394.0212 or email jarcher@farmersagent.com.