8 Things to Have in Your Car this Winter

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Winter can bring driving surprises, but things can’t ever get too bad if you are prepared. Here’s our list of the 8 things you should have in your car this winter.

  1. Windshield scraper and snow brush: A long-handled ice scraper with a soft-bristled brush will make it easier to clear your windshield, windows, mirrors and lights.
  1. LED Flashers/Flares:LED lights run for hours on their batteries and do a good job alerting other drivers if your car is on the side of the road (or off the road entirely). Flares are a good option, too, because the heat they put out prevents them from being covered in snow. Plus, in an extreme emergency you can use flares to start a warming or signaling fire.
  1. Emergency Phone Charger:You can’t call for help on a dead cellphone.  A hand-crankable phone charger will work anywhere, even if you are away from the car or if the car battery is dead, assuring that you can call for help (and talk as long as you need to) in any circumstance.
  1. Shovel:Even a compact folding shovel can help you dig your car out of the snow.
  1. Traction Help:Sand, or even kitty litter, under your drive wheels can provide the traction you need to get moving from a standstill. If you’re stuck, throw some down and you should be able to get out. Of course, having tire chains is best.
  1. Wool Blanket:Your car provides shelter, but you don’t want to run the engine if you have a limited amount of fuel and besides, if stuck in a snowbank, that snowbank may redirect deadly exhaust fumes into your car. For warmth and safety, use a wool blanket (it will keep you warm even if it gets wet).
  1. Food and Drink:It’s exceptionally rare for anyone to be stranded during a winter blizzard for more than a day, but keeping a few energy bars and a plastic bottle or two of sugary energy drink will be helpful and comforting (the electrolytes and sugars in the drinks lower the beverage’s freezing point, ensuring you’ll still be able to drink it when you need it).
  1. Windshield De-Icer:An extra bottle of de-icer can help keep your windshield clear, and in emergencies you can use de-icer to melt ice on the road or any frozen car parts.

I hope this information helps you prepare for the winter! I don’t know about you, but #5 surprised me. Who knew that kitty litter could help improve traction for your vehicle in snowy/icy conditions. Who needs salt when you have kitty litter?! Well, best of luck getting through the winter. Spring and summer will be here before you know it. If you are interested in learning more car preparation tips for the winter please fill out your contact info. below.

Thanks,

Jason Archer

Owner of the Archer Group – Farmers Insurance Agency

T: (973) 394 – 0212

My Website

 

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Farmers Insurance Agent in NJ – Auto

Do you feel you are overpaying on car insurance? Do you think you could get better coverage for less?

Did you know that Farmers Insurance is one the top insurers in the state of New Jersey offering affordable insurance with great coverage? My name is Jason Archer and I am a Farmers Insurance Agent. I have created an online auto quote form specifically designed for people who are on the go. It is mobile friendly and has ONLY 10 fields of information to fill out which makes it super fast and easy!

After you fill out all your details and hit “Submit,” within 24 hours I will email you out the quote or send it to your cell phone which ever one is easier for you. Here is the link to fill out your no-obligation New Jersey car insurance quote with Farmers Insurance: Car Quote.

Watch this brief video below to see just how quick and easy it is!

See how easy it is to get a quote? Fill out your details below to see how you can save on car insurance!


Again my name is Jason Archer, and I am an agent with Farmers Insurance. If you have any questions or concerns regarding car insurance or other types of insurance please don’t hesitate to shoot me an email at jarcher@farmersagent.com or give me a call at 973-394-0212.  My website also has a lot of valuable information on it, so check it out if you get a chance. Visit: Jason Archer Farmers Insurance. I love visitors, so if you ever want to stop in, walk-ins are welcome! My agency is located at 300 Interpace Pkwy, Ste 400B in Parsippany, NJ 07054. See the map below for more details:

New Jersey Car Insurance Quote

Do you feel you are overpaying on car insurance? Do you think you could get better coverage for less?

Did you know that Farmers Insurance is one the top insurers in the state of New Jersey offering affordable insurance with great coverage? My name is Jason Archer and I am a Farmers Insurance Agent. I have created an online auto quote form specifically designed for people who are on the go. It is mobile friendly and has ONLY 10 fields of information to fill out which makes it super fast and easy!

After you fill out all your details and hit “Submit,” within 24 hours I will email you out the quote or send it to your cell phone which ever one is easier for you. Here is the link to fill out your no-obligation New Jersey car insurance quote with Farmers Insurance: Car Quote.

Watch this brief video below to see just how quick and easy it is!

See how easy it is to get a quote? Fill out your details below to see how you can save on car insurance!


Again my name is Jason Archer, and I am an agent with Farmers Insurance. If you have any questions or concerns regarding car insurance or other types of insurance please don’t hesitate to shoot me an email at jarcher@farmersagent.com or give me a call at 973-394-0212.  My website also has a lot of valuable information on it, so check it out if you get a chance. Visit: Jason Archer Farmers Insurance. I love visitors, so if you ever want to stop in, walk-ins are welcome! My agency is located at 300 Interpace Pkwy, Ste 400B in Parsippany, NJ 07054. See the map below for more details:

HOME and AUTO INSURANCE in Somerset County NJ

Do you live in Bridgewater Township, Warren Township, Bound Brook, Manville, South Bound Brook, Franklin Park, Franklin Township, Basking Ridge, Raritan, Watchung, Gladstone, Belle Mead, Somerville, Bernardsville, Branchburg Township, North Plainfield, Far Hills, Martinsville, Hillsborough Township, Bedminster, Bernards Township, Montgomery Township, Green Brook Township, Millstone, Rocky Hill, Skillman, Lyons, East Millstone, Zarephath, Blawenburg, Middlebush, Griggstown, Harlingen, Bradley Gardens, Blackwells Mills, Green Knoll, Six Mile Run, Gladstone, or Clyde?

My name is Jason Archer and I am a local Farmers Insurance agent in your area. My main focus is providing people with better coverage on their home and auto insurance for less. If you want to learn more about my business please visit my website. For an instant auto and home quote please text or call (973) 394 – 0212 or you can fill out your details online at Online Quote Form.

To learn more about our agency and what we do, please watch this brief video below:

Interested in stopping by? Check out the map below. Our office is located at 300 Interpace Pkwy, Ste 400B in Parsippany, NJ 07045.

Bernardsville NJ Home & Auto Insurance

⭐️⭐️⭐️⭐️⭐️ Local Home and Auto Insurance Agency near Bernardsville, NJ

Are you looking for a local insurance agent to provide you phenomenal coverage on your auto and home insurance for less? Farmers Insurance is new in the state of New Jersey and has only been here for a little over three years. Since our arrival, we have become one of the top insurers in the state with great prices, great coverage and great service. My name is Jason Archer, and I am proud to be a Farmers Insurance agency owner. Please check out this brief video below to learn more about my agency and why it has ⭐️⭐️⭐️⭐️⭐️ on Yelp, Google, and Facebook.

If you want to explore my website to find out about some of the community work my agency is involved in, other insurance products that we offer, or if you want to see some cool pictures like this one below, please visit: My Website.

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If you have any insurance questions or if you are interested in getting a quote with my agency, please text or call my business phone (973) 394 – 0212 or email me at jarcher@farmersagent.com. I have also created a 2 minute online auto quote form that you can fill out if you are looking for an instant quote. You can access this online quote form by visiting: Get a Quote Now. If you would like to stop by my office, I’m located at 300 Interpace Pkwy, Ste 400B in Parsippany, NJ. Walk-ins are welcome 🙂 Please see the map below for directions:

Hagerty Car Insurance NJ

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Did you know Farmers Insurance joined forces with Hagerty, the world’s leading insurance provider for classic vehicles and host to the largest network of classic car owners?  Visit  My Website or call me at 973.394.0212 if you are interested in classic car insurance.  

Hagerty doesn’t just offer classic car insurance, but it also offers insurance for trucks, motorcycles, tractors, military vehicles, automotive tools and spare parts.  There are many perks for getting insurance with Hagerty such as flexible usage. Meaning, there is no restriction on mileage (as long as the vehicle is not a daily driver or backup vehicle), allowance for youthful drivers 18 years of age and above and permissive use by the owner for friends or relatives to drive the vehicle. 

In addition to flexible usage, Hagerty also has in-house classic experts. Meaning, their adjusters receive 80 hours of training in classic vehicle repair every year and have parts
specialists on staff whose only job is tracking down parts. Clients choose the repair shop or get paid to do the work themselves.

Interested in Hagerty Plus? Hagerty Plus is a comprehensive full-service roadside program designed specifically for classic cars and motorcycles. There are three optional levels of Hagerty Plus Roadside Service and Benefits which include:

  • Guaranteed flatbed towing with soft straps
  • 24 hours a day, seven days a week coverage in the U.S. and Canada
  • Dispatch for lockouts, battery jumps, tire changes, and emergency fuel delivery
  • Annual subscription to Hagerty magazine
  • “Ask Hagerty” service for any collector car related questions
  • Membership helps support the Hagerty Education Program and the Historic Vehicle Association

 

Car Insurance NJ

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STOP throwing money away! START saving money today with the Archer Group – Farmers Insurance Agency.

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We recently saved a client living in Sparta, New Jersey close to $2000 on their home and auto insurance. Imagine saving money on car insurance and loving every minute of it.

If you would like to learn more about the coverage and SAVINGS at Farmers please give us a call or shoot us a text at 973 – 394 -0212 or you can visit my website at https://agents.farmers.com/nj/parsippany/jason-archer.

Feel free to fill out this contact form if you would like to get in touch with me, and I’ll get back to you within 24 hours. 

Jason Archer Farmers Insurance Review

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Sara M. lives in Morris County and Christian D. lives in Sussex County, New Jersey. If you are living in northern New Jersey, we have great rates in your area! Give us a call or shoot us a text at 973.394.0212 and we will send you a quote via text message straight to your cell. Fast and easy!  We sell all types of insurance including but not limited to car insurance, home insurance, condo insurance, renters insurance, boat insurance, business insurance, RV insurance, life insurance, and motorcycle insurance.  Check out my website to learn more: https://agents.farmers.com/nj/parsippany/jason-archer. Below you will find a map to my business address:

300 Interpace Pkwy, Ste 400B

Parsippany NJ, 07054

New Jersey Car Insurance Farmers

Getting a quote has never been easier! If you are like most people, you have a Facebook account and you’re an active user. You know as well as I do, that Facebook is not just filled with your friends, but it is also filled with ads! These ads want to take you away from Facebook to their website, to a store, etc. But, you don’t want to leave Facebook.  Well, if you are one of those people who click on ads to save money on auto insurance, YOU NO LONGER HAVE TO LEAVE FACEBOOK TO POTENTIALLY SAVE HUNDREDS!

My name is Jason Archer, and I am an agent with Farmers Insurance working hard to save people money and make their lives easier. If you want a car insurance quote with one of the top auto insurers in the state of New Jersey, all you have to do is visit my Facebook page and fill out a form that takes 3 MINUTES OR LESS! Here is the link: GetAQuoteOnFacebook

The short video above shows how easy and quick it is to get a quote.  If your insurance carrier is raising your rate, do yourself a favor and get a quote. Don’t let them screw you out of your hard earned money!

Why should you get a quote with Farmers?

  • The average person who switches to Farmers SAVES $650.75 or MORE a year
  • Farmers Insurance offers the MOST auto insurance DISCOUNTS
  • FACT: auto insurance rates can change on a daily basis.
  • Farmers insurance is currently offering a 20% DISCOUNT for combining home& auto insurance 
  • Several professional discounts {Click here for more details: DISCOUNTS}
  • If you haven’t shopped for a better rate in the past few years than you are probably paying too much!

Thanks,

Jason Archer

Owner & Founder of the Archer Group – Farmers Insurance Agency

(973) 394 – 0212

My Website 

Top 5 Home Insurance Claims& How to Prevent Them

Everyone has such busy lives these days whether it be rushing to get to work, dropping the kids off at school, taking Andrew to soccer practice or Valerie to her tap dance class or doing a million other things.

Being so busy is a good thing, but it can also be a bad thing. When you are so caught up in the demands and responsibilities of your daily life, it is easy to lose sight of your most precious investment…your home. Just like your kids and work demand attention, so does your home. It needs your help to keep it safe and to protect it from harm. The best way to keep your home protected is to know what the top five claims are and how to prevent them.

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Top 5 Claims:

#1.  Non-Weather Related Water Damage – Sewer Back-Up Claim

#2.  Identity Theft Claim

#3.  Wind& Hail Claim

#4.  Fire Claim

#5.  Weather Related Water Damage Claim

  1. Non-Weather Related Water Damage Claim

Non-weather related water damage otherwise known as interior water damage is 1 of the top 3 reported causes of house damage. Interior water damage is caused by a sudden and accidental discharge from a plumbing system, sump pump, a drainage system or from water below the surface of the ground. Most insurance companies cover you for interior water damage, but not all types of water damage are covered. For example, water back-up from an outside sewer or drain is not typically covered. However, it is a very common claim.

How do you prevent it?

Fortunately, there is an endorsement known as Sewer and Drain Water Damage Coverage which will cover you for back-up and sump-pump failure losses. Be sure you get a good amount of coverage for this, because $5,000 is not going to do much if it costs you closer to $45,000 to repair the water damage. For example, if there is water damage done to your beautiful, new renovated kitchen, you’re going to need around $50,000 worth of coverage to repair the marble flooring, backsplash tiling, oak cabinetry, and granite countertop.

Moreover, with water damage comes mold. Mold is a byproduct of water damage. Luckily, some home insurance companies like Farmers offer Limited Mold Coverage which will provide coverage to covered property caused by or resulting from mold. Mold can quickly devalue your home by discoloring the walls and rotting away the wood, so it is a good idea to get coverage for this.

  1. Identity Theft Claim

You may be asking yourself, what does identity theft have to do with homeowners insurance? Well, did you know that if your identity is stolen and someone gets a hold of your credit cards, bank account information, or travel documents that you can file a claim with your homeowner’s insurance company?

Believe it or not, identity theft is an optional endorsement you can add to your homeowner’s policy.  This endorsement provides reimbursement for expenses related to the restoration of your identity which include but are not limited to an advocate assisting you with services such as calls to financial companies and governmental agencies to resolve the loss event.

So, why do you need protection against identity theft? According to Javelin Strategy& Research, Identity Fraud Study, “there were 13.1 million identity fraud victims in 2015 and $15 billion was stolen?”  These days with all the technological advances, it is getting that much easier for thieves to commit identity fraud. For example, did you know that someone can get your pin code by simply hovering their iPhone thermal camera over the keypad after you finish plugging in your code?

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How do you prevent Identity Theft?

You can take the necessary precautions like creating stronger passwords and shredding credit card statements. Moreover, you could add on an Identity Management Services Endorsement to your homeowner’s policy.

  1. Wind& Hail Claim

Quick fact, did you know the largest hailstone in the U.S. landed in 2010 and measured 8 inches in diameter which is roughly the size of a basketball?

wind and hail basketball

Wind and hail damage done to roofs is one of the most common home filed claims. When it comes to wind& hail, it is imperative that you understand what a wind& hail deducible is. Some companies have a separate wind and hail deductible which could be as high as 5%. Most people think that with a 5% deductible, they have to pay 5% of the damages. But in reality you have to pay 5% of your dwelling coverage. For example, if your dwelling coverage is $200,000, you have to pay $10,000.

How do you prevent paying a 5% of your dwelling coverage for wind& hail damage?

You should have an all perils deductible which is a certain dollar amount beyond which insurance protection begins for the specific event causing a loss. Some companies have a minimum all perils deductible for $1000.

  1. Fire Claim

When it comes to fire damage, if you want to keep your house safe and get a fire claim approved, don’t make these three mistakes 1. Not having a properly working fire detector 2. Smoking in the house 3. Neglecting to tell your insurance company about recent home improvements. If you make any one of these mistakes, you risk the chance of having your fire claim denied.

How do you prevent getting denied when filing a fire claim?

First, make you’re your smoke alarms are working properly. Two, avoid smoking in the house. Three, if you make any changes to the home like increasing the value of it by putting in newer and better appliances let your insurance company know about it, so they won’t screw you when you file a claim. Most importantly, don’t take the responsibility on yourself to repair the damages even it’s as small as replacing the oven because your dog wanted a slice of pizza.

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  1. Weather Related Water Damage Claim

Have you heard the saying New Jersey is the new Florida? Thanks to storms like Superstorm Sandy and Hurricane Joaquin, New Jersey is no longer safe from weather related water damage. It used to be that if you were 5 miles off the coast you were a risk to insurance companies, but now living further inland like Trenton can be a risk as well. These days a flood insurance policy is a must, but yet surprisingly 87% of homeowners don’t have a flood insurance policy. A #1 misconception people have is: you don’t need flood insurance unless you live in a flood prone area. This is so not true. Heavy rainfall and tropical storms can cause serious damage even if you live at one of the highest altitude spots in New Jersey. One other common misconception people have is: Homeowners insurance covers flood damage. Also, not true. Most homeowner’s policies may cover some types of water damage, but flood damage is not usually covered.

How to prevent it?

One of the best things you can do that will help protect your whole house is having a good stable roof. You can either put on a new roof or renovate the one you have. Not only will a new roof help protect your house, but many insurance companies offer discounts for having a new roof.  There are many local roofing contractors available for you. Moreover, consider purchasing a flood insurance policy. Give me a call if you need help choosing a local roofing contractor or picking out a good flood insurance policy.


By,

The Archer Group – Farmers Insurance Agency

If you have any questions or concerns about common Home Insurance Claims or anything talked about in this article please give Jason Archer a call or shoot him a text at 973-394-0212. He is the principal owner at the Archer Group and has over 10 years of experience in the insurance industry. Feel free to give him a call or schedule an appointment via email (jarcher@farmersagent.com), and he will conduct a full insurance  review of your policy and give you his unbiased opinion. If you prefer to meet him at his office, it is located at 300 Interpace Pkwy, Ste 400B in Parsippany, NJ 07054. Please see map below: