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Safe Driving Rewards Program

Safe Driving Rewards Program

What is this Safe Driving Rewards Program?

Well, actually we are glad you asked. Let’s talk a little bit about our Safe Driving Rewards Program and how it works.

Our Safe Driving Rewards Program measures driving behavior and rewards the user with savings on their insurance premiums. Simply for driving safely.

What information does the app gather?

This may be the biggest misconception about these driving applications. So let’s debunk this myth! The only information this app will gather is how fast you drive (10 or more over the speed limit is considered a flag). What time of day you drive (driving between 1 AM- 4 AM is considered to have a higher accident rate). As well as things such as hard braking, fast acceleration, and using your phone (in your hand, not hands-free) while driving.

How big of a discount can we expect to receive?

First, I think it is important to say that not every quote will be the same. Just for agreeing to share your information with us you can save 5%-10%. Then based on your driving habits you can earn up to 30%, sometimes even more. This average driver, in the long run, will receive about 15%-18% off their premiums. Now that being said, it is important to understand the program savings can take up to a year to peak.

So, I’m guessing you might have a few questions, here are a few we get a lot!

What if I’m not a good driver?

How do you know if you are a good driver or not? This program allows you to check your driving scores. We recommend you check them every week and if they are not as good as you would like, give us a call. You can usually opt out of the program within the first 45 days.

If you do not opt out of the program and your driving scores are too low, your rates may increase. Again, this can be avoided by monitoring your scores and giving us a call around 30 days.

Will running the app kill the battery on my phone?

Typically, the percentage of battery usage is unnoticeable. If you typically drive several hours a day, that may not be the case since the app uses more energy while you are driving.

Does the app use a lot of data?

No. Most of the time it waits until you have wifi to share data with the company. In some circumstances, it does use mobile data, but usually, this consists of less than 1% of the average person’s data usage each month.

Our company wants me to plug something into my car? What is that?

It is a very small box, about half the size of a deck of cars. You simply just plug it into your vehicle’s diagnostic port and forget about it. We have videos about how to do so, but it is extremely easy.

This sounds like the “Big Brother” spying on me. Should I be ok with that?

Let’s take another look at the information the app shares with the company. It doesn’t share the locations, or what you are doing, or have a tiny microphone etc. Secondly, have you ever read the “Privacy Statement” before you downloaded other apps to your phone. If you did, you probably wouldn’t worry about this information. Lastly, the computer in your car is recording this information all the time. You might as well get paid (receive a discount) for it!

What kind of experience have your clients had?

We’re glad you asked! The whole reason behind us wanting to implement this new Safer Driver Reward program is because of one of our team members client experience. One of our own here at Preferred- Kelly Heitkamp has three teen drivers in the house. She saved almost $700 per year on her insurance premium!

Most people like saving money, so those that have good driving habits are thrilled. Some people felt they and their children actually formed better habits because they knew they could get a discount. This is a truly awesome benefit, that can’t really be measured in just $$$. There is no way of knowing if those better habits may have actually saved a life!

“Yes, this has been a great experience for me and it has saved me a lot of money, so if you want to know more about it, give us a call” – Kelly Heitkamp

So how do I get started?

All you have to do is give us all call so we can do some research and make sure that the program is a match for you and that this is the best time to get started. Our job is to match you with the insurance company that fits you best. They will then send you an email or text to finish the sign-up process and walk you through the steps to download the app or get the device plugged in. Finally, you get to see how your diving is and earn an awesome discount!


Have any other questions? Feel free to contact us directly or leave a comment in the section below!

10 Ways to Fine-tune your Financial Life

10 Ways to Fine-tune your Financial Life

 

1. Combine your home and auto insurance

2. Discuss combining your banking accounts, or keeping them separate

3. Discuss debt (credit card, car loans, mortgage, student loans)

4. Set aside an emergency fund

5. Merge your lifestyles

6. Get life insurance

7. Set a monthly budget

8. Talk long term – retirement, 401K’s, savings accounts, ect.

9. Discuss your financial goals (current and future)

10. Insure your jewelry

It is almost impossible to fine-tune your financial life without an organization system. Download our easy-to-use financial organizer to keep records of what you have, what you owe, and what your budget is as a couple.


Download MPL Financial Planner!

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5 Ways Getting Married Saves you Money

5 Ways Getting Married Saves you Money

    Getting married saves you moneyJust spend thousands of dollars on your wedding? Well don’t fret, there is some relief in sight. Here are a few ways that tying the knot can save you some money.

 

 

 

 

1. The word “ONE”. One property tax, one mortgage, one utility bill, one income tax return. Those alone can save you thousands of dollars just in the the first year!

2. As a married couple, you have to make a lot of decisions about combining resources, such as your insurance. Combining your home and auto insurance can save you a lot of money and make your life a whole lot simpler. One insurance bill to the same company is so much easier than numerous bills with a few different companies.

3. Tax breaks. There are five different filing statuses: single, married filing jointly, married filing separately, head of household, and qualifying widow(er) with dependent child.

4. Health insurance in the workplace. If both spouses have benefit packages from their jobs, they can pick the most valuable benefits from the two plans.

5. If you use a rewards credit card with a reward structure, having both spouses using the same account can boost your points value quickly!

Having one place where you and your significant other can keep up-to-date financial information that both of you have easy access to is very important. Download our easy-to-use financial organizer to keep records of what you have, what you owe, and what your budget is as a couple!



Download MPL Financial Planner!
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5 Reasons to Combine your Insurance When Getting Married

5 Reasons to Combine your Insurance When Getting Married

insuranceCombined insurance policies for couples is the way to go.

Did you know married couples get into fewer accidents than those that are not married? If you have recently tied the knot, then it is time for you to contact your insurance agency to combine your insurance.

 

 

 

 

Here are five reasons why now is the time.

1. When combining your insurance with your spouse, you may be amazed at what you are about to find out! After getting married, we are able to apply a few more discounts to your policy, which may save you money.

2. Simplicity – who wants to have numerous insurance companies, when you can combine and just have one?! Who wants to pay two or three bills, when you can just pay one.

3. Health Insurance Savings – Check with your employers to see if you can both get on the same health insurance plan.

4. Coverage gap – You think your fiance has your engagement ring on his policy, and he thinks it is on yours. Combine and have just one policy to review each year.

5. Claim settlement –  Imagine a large hail storm comes through and you have two cars insured with two different insurance companies? That means you will be dealing with TWO insurance companies, TWO adjusters, and in the end be waiting to get paid from TWO different insurance companies.

If you’re considering combining insurance, you’re most likely combining your finances as well. Having one place where you keep up-to-date financial information that both of you have easy access to is very important. Download our easy-to-use financial organizer to keep records of what you have, what you owe, and what your budget is as a couple.


Download MPL Financial Planner!

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Summertime Giveaway

Summertime Giveaway

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Enter to Win an Outdoor Living Set!

What better way to enjoy the upcoming summer weather than with your very own full outdoor living set?

That’s right, we’re giving away an outdoor living set that consists of:

  • Classic Garden Gazebo
  • 4 piece Patio Conversation Set
  • Patio Fire Ring

Enter between May 4 – June 5, winner will be announced June 9, 2015 | Please read the official rules for full details

Click Here To Enter

Cindy Koesters

Cindy Koesters

Cindy Koester5 starWhat a great community support. Preferred Insurance is always giving back to the community with their contest and willing to help out with the local events. When giving to a local group they even provide a game!!! Love the pink flamingos!!!! Thanks for everything you do for us!!

Virgil Muhlenkamp

Virgil Muhlenkamp

We have been clients with Preferred Insurance Center for a long time. We have always been satisfied with the great customer service and helpfulness of the whole staff. We have recently been dealing with Kathy and she has done us a GREAT job. Really appreciated all of her help.

 

Scott & Becky Gels

Scott & Becky Gels

When purchasing our first home 14 years ago, Preferred Insurance was recommended to us by family as they were very happy customers with Preferred themselves. Needless to say, we have had that same satisfaction with Preferred Insurance that our family has had over these many years. They have always been very quick with any coverage or billing questions and have often recommended these necessary additions or subtractions that would best cover our growing family’s needs. There is no doubt that they will continue to cover our entire home and auto needs.

Kathy via Merchant Circle

Kathy via Merchant Circle

I have worked with Dan the staff at Preferred Insurance for over 25 years. They are very professional, courteous and helpful. They have always responded to my needs quickly and provide individualized service with a smile. They handle all our home and auto insurance needs and we will continue to rely on them for years to come!

Anonymous Google User

Anonymous Google User

When purchasing our first home 14 years ago, Preferred Insurance was recommended to us by family as they were very happy customers with Preferred themselves. Needless to say, we have had that same satisfaction with Preferred Insurance that our family has had over these many years. They have always been very quick with any coverage or billing questions and have often recommended these necessary additions or subtractions that would best cover our growing family’s needs. There is no doubt that they will continue to cover our entire home and auto needs.