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    Personal Insurance Blog

    Insurance Haikus

    Posted by Gordon Atlantic Insurance

    Fri, Feb 17, 2017 @ 12:54 AM

    Insure your home with homeowners and enjoy insurance haikus from Andrew Gordon IncYes, that’s right. Haikus. Like the ones you wrote for the much hated poetry projects in English class. These are the result of an attempt to diversify our blog towards other content. So if you like this, drop us a comment (maybe your own insurance haiku).

    Homeowner's

    Keep track of your stuff
    Take video and pictures
    For we will rejoice

    (Seriously, knowing what you own and keeping record will save you time and money if you file a homeowner's claim. Click here for our Homeowner’s Checklist)

    Prepare for storms and hurricanes with homeowners and haikus from Gordon InsuranceHurricanes

    No wind coverage
    Time is ripe for hurricanes
    Sorrow for the coast

    (Get a quote from us, or watch our educational Wind & Named Storm Video)

    It’s an act of God
    Tree bough rains down on your car
    Need comprehensive

    (Comprehensive coverage is designed for just such a situation. Comprehensive Coverage applies when a car’s been damaged by either a natural or civil disturbance (such as a hail storm, a falling tree, or an act of vandalism)).

    Understand driving laws and cover yourself and your automobile with auto and haikus from Gordon InsuranceAuto Insurance

    Failure to signal
    This driver cannot escape
    The standards of fault

    (The operator of a vehicle shall be presumed to be more than 50% at fault when operating a vehicle which is in collision while failing to signal as required by law before turning or changing lanes. Use your blinker!)

    There’s a new driver:
    Junior Operator Laws
    Are strict; drive safely

    (click here to see the Junior Operator Laws and implications)

    A new text message
    While driving on the highway
    Please don’t answer it

    (The new safe driving bill outlaws texting REGARDLESS OF AGE, for the details on this new legislation, click here)

    Andrew Gordon Inc provides all your home auto life and commercial insurance needsInsurance

    Visit our website
    It is Agordon dot com
    You will not regret

    Learn more about personal insurance here.

    Home Quote Request  
    Corbin Foucart

    Tags: rates, insurance, cheap, homeowners, rental, car, homeowner, poetry, haiku

    How is the Cost of My Car Insurance Policy Determined?

    Posted by Gordon Atlantic Insurance

    Fri, Jan 20, 2017 @ 12:10 PM

    Have you ever wondered how your car insurance rates are calculated?  What affects that number on the bottom of the page? Here’s the answer:

    1. Understand how your auto insurance policy and rates are determined with Andrew Gordon IncWhat type of car you drive- some cars cost more to insure than others do. Your rate can be affected by how likely your car is to be stolen, its age, the cost of any future repairs, and how safe it is (or isn’t).
    2. Your driving record- your driving record largely determines how well you drive (at least in the eyes of your insurance provider). The fewer incidents you’ve been involved in, the lower your premium will be. If you have a slew of accidents and driving violations on your road resume, expect to pay significantly more than if you have a clean record.
    3. Where you live- Outside of your own driving ability, some areas are simply safer to drive in than others, both in terms of crime and accident statistics. Your rate can vary depending upon where you garage your car as well.
    4. The number of miles you drive each year- Statistics says by the law of large numbers that the probability of an accident increases with the amount that you drive. Therefore expect a higher rate if you put hefty mileage onto your vehicle each year.
    5. Your age- Young drivers (especially males) will have to pay augmented rates. Generally insurance providers divide the “steps” into drivers who have been on the road for under three years, three to six years, and more than six years.
    6. Your credit- for many insurance providers, your credit score can have an impact on your insurance rates.
    7. Coverage- like any other insurance rate, the price is partially determined by the coverage you already have. Make sure you shop around and get the best possible price for the coverage you need.

    The good news: There are a variety of auto insurance discounts available to insurance customers. Learn more about our auto insurance policies and watch whiteboard videos for more information. Here’s one video made by our agency that explains the various discounts you may be eligible for:

    Learn more about your auto insurance options here, and read a staff member's blog on understanding your auto insurance policy here.

      INSURANCE QUESTION?  

    Corbin Foucart

    Tags: auto, insurance, cheap, Automobile, Vehicle, driving, car, quote, financial services

    Some of the Best Insurance

    Posted by Gordon Atlantic Staff

    Mon, Mar 04, 2013 @ 10:09 AM

    Insure yourself with safety tips from Andrew Gordon Inc InsuranceSome of the best insurance is policy-free.

    A lot of the time, insurance is about the money. Yes, yes, we understand. We pay bills too; we know what it's like to deal with insurance. Car insurance, home insurance, life insurance- it just seems to add up WAY too quickly for comfort. There are other ways to be comfortable too.

    What am I talking about now?

    I'm talking about things like seatbelts and helmets. These things are available to you, and definitely worth it. Have you ever bought a car without a seat belt? (The answer should hopefully be "no"). The seatbelt is there for you. What if you ever got into an accident? What if another driver's car simply SMASHES yours? That tiny little belt, strapped across your waist and over your shoulder, could be the very thing that saves your life. There could never be a price put on that.

    Helmets are the same way. For a one-time fee to buy the helmet, you get super extra head protection. Falling off a bike, skiing into a tree- there are just so many FUN things that can be so RISKY. So why not just wear the helmet? Again, what's the value of the helmet versus the value of your brain, or even, your life? That thirty dollar helmet doesn't seem so expensive now.

    These items that are made available for safety are truly only there to: KEEP. YOU. SAFE.

    If you look closely, you can see that there is insurance underlying everything. Insurance ensures minimal loss. Insure your children from drowning by taking them to swim lessons, ensure your feet from the cold by purchasing and wearing warm wool socks, ensure your knees and elbows with pads when you first learn how to rollerskate. The ways to insure yourself from loss never seem to end. And what is insurance, after all?

    We remind ourselves that insurance is protection against loss, a guarantee of safety and security. We do these things everyday, whether unconsciously or consciously. That's why we do things like taking swimming lessons- to reduce our risk of having fun with something enjoyable.

    It only makes sense, right? We want to enjoy our lives with the least possible amount of risk involved. As a result, we do things that prevent injury and other forms of pain- such as financial pain. Sometimes the financial pain clouds our vision. Sometimes other things, such as being lazy, also cloud our vision. It takes not even a second to buckle a seatbelt, so why not do it? Why not buy the helmet and prevent the brain damage?

    Take advantage of some of these risk reducers from the get-go. You'll never know when disaster will strike, and being prepared sooner rather than later is best because sometimes, later is too late.

    If you have any questions on reducing your risk, or about insurance in general, feel free to contact us by clicking the button below. Learn more about personal insurance here.

    Contact Us

    Tags: risk, management, insurance, seatbelts, helmets, policy free insurance, reducing risk, cheap, protection

    New Driver – Parent Contract

    Posted by Gordon Atlantic Staff

    Wed, Nov 07, 2012 @ 10:00 AM

    Help your new teen driver understand the rules of the road with auto from andrew gordon inc insurance norwell maIn Massachusetts in 1999, over 42% of 16 year old drivers had an accident resulting in over $1,000 of reported damage before turning age 17 (this was 47% in 1997, before the Junior Operator’s Law took effect)! 23% of 17 year olds had a reported accident; for 18 year olds, the rate dropped to 18%. Experience matters. So does observance of the Junior Operators Law.

    One of the steps you can take towards safety is to sign this “New Driver-Parent Contract” along with your new driver. The contract outlines responsible driving practices and parent actions. 

    New Driver and  Parent Contract Click to Download the New Driver-Parent Contract

    Safety is always a vital aspect of life for us at A. G. Gordon, Inc., and we encourage you to check out some of our features at our website, or get a web quote. Access more resources for new drivers here

    Teen Driver Kit  

    Tags: safety, new, law, insurance, Autos, junior, operator, contract, collisions, Business, cheap, car, driver, teen

    Home Inventory – How to Organize

    Posted by Gordon Atlantic Staff

    Fri, Jul 13, 2012 @ 11:55 AM

    Do you know how much “stuff” you own? Don’t find yourself scrambling to recreate a list of your possessions if you suffer a fire or other devastating loss. An up-to-date home inventory will help you get your home insurance settled faster, help you purchase the correct amount of insurance and verify losses for Uncle Sam when tax time rolls around.

    Tackling the inventory list can be simplified if you:

    1. Organize your home to stay safe and get homeowners coverage from andrew gordon inc insurance norwell maTake pictures of rooms and important individual items. Don’t forget to open your closets and drawers for items hidden from view.
    2. Videotape- walk through your house, condo or apartment videotaping and describing the contents. You can also do the same with a tape recorder.
    3. Use your computer-many personal finance software packages include room by room inventory software programs.
    4. Remember to send the list off-site to save in case the computer is damaged or ruined.
    5. Keep any photos or videos or receipts in your safety deposit box or at a friend’s home.
    6. Remember to update your list periodically so the inventory is current.

    For more on taking the risk our of your home, visit our home page at www.agordon.com. Learn more about homeowners insurance here.

    Home Quote Request Homeowner's Checklist  Download  

    Tags: house, home, building, insurance, public adjusters, lawyers, contents, cheap, coverage, homeowners

    Summer Motorcycle Safety

    Posted by Gordon Atlantic Staff

    Mon, Jul 02, 2012 @ 09:08 AM

    Stay safe this summer while riding your motorcycle or vehicle with auto from Andrew Gordon inc insurance norwell maWith the beautiful summer weather we’ve been having, there are more motorcycles than ever on the highways.  Due to their relatively small size, they are not always easily visible to the larger vehicles on the road and thus can present a potential risk of accident. It’s important to be aware of them when on the road, and to give both extra space and extra attention to the two-wheeled cousin of the car.

    Motorcycle fatalities have also been climbing,

    reaching 4,976 in 2015. There has also been a dramatic jump in the number of deaths among motorcyclists age 40 and older in recent years. 

    We hope these tips from the Motorcycle Safety Foundation will help keep you and motorcycle drivers safe:

    1. Over half of all fatal motorcycle crashes involve another vehicle. Most of the time it is the motorist, not the motorcyclist, who is at fault. There are a lot more cars and trucks than motorcycles on the road, and some drivers don’t “recognize” a motorcycle – they ignore it (usually unintentionally).
    2. Because of its small size, a motorcycle can be easily hidden in a car’s blind spots (door/roof pillars) or masked by objects or backgrounds outside a car (bushes, fences, bridges, etc). Take an extra moment to look for motorcycles, whether you’re changing lanes or turning at intersections.
    3. Because of its small size, a motorcycle may look farther away than it is. It may also be difficult to judge a motorcycle’s speed. When checking traffic to turn at an intersection or into (or out of) a driveway, predict a motorcycle is closer than it looks.
    4. Motorcyclists often slow by downshifting or merely rolling off the throttle, thus not activating the brake light. Allow more following distance, say 3 or 4 seconds. At intersections, predict a motorcyclist may slow down without visual warning.
    5. Enjoy riding your motorcycle this summer but stay safe with auto and tips from andrew gordon inc insurance norwell maMotorcyclists often adjust position within a lane to be seen more easily and to minimize the effects of road debris, passing vehicles, and wind. Understand that motorcyclists adjust lane position for a purpose, not to be reckless or show off or to allow you to share the lane with them.
    6. Turn signals on a motorcycle usually are not self-canceling, thus some riders (especially beginners) sometimes forget to turn them off after a turn or lane change. Make sure a motorcycle’s signal is for real.
    7. Maneuverability is one of a motorcycle’s better characteristics, especially at slower speeds and with good road conditions, but don’t expect a motorcyclist to always be able to dodge out of the way.
    8. Stopping distance for motorcycles is nearly the same as for cars, but slippery pavement makes stopping quickly difficult. Allow more following distance behind a motorcycle because it can’t always stop “on a dime.”

     And for relevant and topical insurance information, as well as risk-management solutions, visit us at our website; you can watch educational insurance videos, or get a quote. Learn more about motorcycle insurance here

    INSURANCE QUESTION?

    Tags: auto, safety, insurance, cheap, accident, Automobile, claims, quote, motorcycle, traffic

    Homeowners Insurance Claims Hints

    Posted by Gordon Atlantic Staff

    Mon, Jun 25, 2012 @ 09:57 AM

    A burst of flames, wind damage from a summer storm or water damage from a burst pipe can all cause substantial damage to your home. Submitting a homeowners insurance claim is a simple process if you follow these steps:

    Insure your home in case of any fires or accidents with homeowners from Andrew Gordon Inc Insurance Norwell MA1. First, notify your insurance company that your home has suffered damage.

    Let the company know the type and extent of damage as they will prioritize claims adjuster visits based on the severity of the claim. Give your contact information so the company can reach you to set up an appointment.

    2. Document your loss

    You will need to prepare for the claim adjuster visit by providing a list of damaged items. Starting a home inventory list before a loss makes this process simple.

    3. Keep receipts

    for any additional living expenses such as hotel or meals if you are unable to stay at your home.

    4. Make temporary repairs

    to prevent further damage if it is safe to do so, it is your responsibility. Make arrangements and save any receipts.

    5. Keep organized

    Along with receipts, keep a list of all contacts involved with the claim.

    6. Don’t be a victim of a scam

    Check references before giving deposits to contractors.

    7. Keep your agent at Andrew Gordon Insurance informed

    If we can be of any assistance with your claim.

    Look to Gordon Insurance for overall risk and insurance advice. Click here for specifics on your home insurance, and view our whiteboard presentations here.

      Home Quote Request

    Tags: house, home, insurance, lawyers, adjuster, cheap, coverage, homeowners, Flood, claim, public

    10 Least and Most Expensive Cars to Insure 2012

    Posted by Gordon Atlantic Staff

    Wed, Jun 13, 2012 @ 09:11 AM

    Cover your vehicle with auto from Andrew Gordon Inc Insurance Norwell MALooking into buying a new car? Debating between the reliable mini-van or that indulgent sports car? If insurance factors into your budget, keep in mind the type of car you drive will affect how much your insurance costs.

    Insure.com posted the list of 20 least and most expensive cars to insure, and I’ve copied the top 10 from their list.

    Top 10 most expensive cars to insure

    source: insure.com

    1. Audi R8 Spyder Quattro Convertible

    6. BMW 750i Hybrid

    2. Mercedes CL600 BI-T Coupe

    7. Porsche 911 Turbo Convertible

    3. Mercedes S600 BI-T

    8. Porsche 911 Turbo S Convertible

    4. Audi R8 4.2 Quattro Coupe

    9. Mercedes CL65 AMG Coupe

    5. Porsche Panamera Turbo

    10. BMW 750Li Hybrid

    So if you’re looking to go the sports car route, you might want to think twice. The way those cars are driven and who’s driving them statistically produces more accidents. Therefore, it makes sense that companies would charge more if there is greater risk.

    Top 10 least expensive cars to insure

    source: insure.com

    1. Toyota Sienna LE

    6. Chevrolet Silverado 1500 Regular Cab

    2. Toyota Sienna 4 cyl

    7. Dodge Grand Caravan SXT

    3. Jeep Patriot Sport

    8. Ford Escape XLS

    4. Jeep Compass Sport

    9. Toyota Sienna 6 cyl

    5. GMC Sierra K1500 Regular Cab

    10. Chevrolet Silverado 1500 Extended Cab

     

    Drive safely and insure your automobile with auto from Andrew Gordon Inc Insurance Norwell MAThe converse is also true. People who drive safe, reliable family vehicles are more likely not to get into an accident; therefore, not costing the companies replacement prices. So what are the reasons these cars are placed in their own category above? Safety, top speed, anti-theft, and cost all factor into the bill you’re sent.

    Performance: how can it drive on the autobahn?

    Engine size is a large factor in insurance price. If you can produce 1.21 gigawatts (the equivalent of a bolt of lightning according to Back to the Future) you may be able to travel in time, but it will cost you more on your insurance.

    Foreign Cars

    How many miles your car logged just getting to the dealership can adversely affect your costs. Foreign/ exotic parts are harder to come by and therefore more expensive should you need them.

    Is Bigger Better?

    Not necessarily. You’re not always safer in a larger vehicle. Rollover rates and other inherent safety flaws exist within SUVs and trucks. Even if the SUV is safer than an alternative, large vehicle still cause more damage in accidents, leading to higher liability coverage rates.

    Why anti-theft?

    A fast performing, poorly protected auto in a parking lot is more likely to catch someones eye if they're in the market for a free vehicle. Since that type of car is more desirable to thieves, they will cost more to protect on your insurance.

    Family Car

    Cars involved in routine and safe driving will be less money on your insurance. Insurance is a game of numbers and those "soccer mom" vehicles are in less accidents statistically.

    “Remember:  insurance companies play a game of numbers; if your car is going to cost more to replace, then you’re going to pay more for it.  With that in mind, go forth and buy the right car for you and your insurer.”- Corbin Foucart

    For all of your insurance needs look to Gordon Insurance. We’ll provide you insurance information from our website, and find the best insurance options for you. Learn about auto insurance here

    INSURANCE QUESTION?  

    Tags: auto, online, Makes and Models, Mercedes-Benz, Mercedes-Benz M-Class, automotive, Sport utility, insurance, agency, cheap, Automobile, Vehicle, car, quote

    School Bus Safety

    Posted by Geoffrey Gordon

    Wed, Nov 02, 2011 @ 06:29 PM

    For twenty three million students nationwide, the school day begins and ends with a trip on the school bus. The greatest risk is not riding the bus, but approaching or leaving the bus. Now that children are back at school, it is essential that adults and children know traffic safety rules. 

    Drivers

    • Keep your kids and family safe with auto insurance and school bus safety tips from Andrew Gordon Inc

      When backing out of a driveway or leaving a garage, watch out for children walking or bicycling to school.

    • When driving in neighborhoods with school zones, watch out for young people who may be thinking about getting to school, but may not be thinking of getting there safely.

    • Slow. Down. Watch for children walking in the street, especially if there are no sidewalks in the neighborhood.

    • Slow. Down. Watch for children playing or congregating near bus stops.

    • Be alert. Children arriving late for the bus may dart into the street with or without looking out for traffic.

    • Learn and obey the school bus laws in your state. Learn the “Flashing signal light system” that school bus drivers use to alert motoristsof pending actions:

      • Yellow flashing lights indicate that the bus is preparing to stop to load or unload children. Motorists should slow down and prepare to stop their vehicles.

      • Red Flashing Lights and extended stop arms indicate that the bus has stopped, and that children are getting on or off. Motorists must stop their cars and wait until the red lights stop flashing, the extended stop sign is withdrawn, and the bus begins moving before they can start driving again.

    Children

    • Get to the bus stop at least five minutes before the bus is scheduled to arrive. When the bus approaches, stand at least three giant steps (6 feet) away from the curb, and line up away from the street.

    • Wait until the bus stops, the door opens, and the driver says that it’s ok before stepping onto the bus.

    • If you have to cross the street in front of the bus, walk on the sidewalk or along the side of the road to a point at least five giant steps (10 feet) ahead of the bus before you cross. Be sure that the bus driver can see you, and you can see the bus driver.

    • Use the handrails to avoid falls. When exiting the bus, be careful that clothing with drawstrings and book bags with straps don’t get caught in the handrails or doors.

    • Never walk behind the bus.

    • Walk at least three giant steps away from the side of the bus.

    • If you drop something near the bus, tell the bus driver. Never try to pick it up because the driver may not be able to see you.

    Parents

    • Teach children to follow these common sense practices to make school bus transportation safer.

       And for more relevant insurance information, as well as insurance resources, visit the Gordon Insurance website, or click to get a quote from us now

      Auto Quote  

    Geoff Gordon

    Tags: safety, life, insurance, cheap, car, tips, air conditioning, back to school, bus, driver, stop

    Protect Your Engine from Ethanol Damage

    Posted by Kay Gordon

    Wed, Nov 02, 2011 @ 06:07 PM

    Get the most value out of your gas powered tools with these ethanol damage prevention tips from Gordon InsuranceDuring a recent trip to the “fix it” shop I learned of the probable reason that my lawn mower – as well as my lawn tractor and snow blower— wasn’t properly working.  Although I flirted with the possibility that a poltergeist was haunting all my gas-powered tools, it turns out that changes in fuel composition are to blame. The transition from pure gasoline to a mix of gasoline and ethanol were the culprits that had brought about the unforeseen damage to the engines.

    Why does ethanol damage my lawn equipment?

    Ethanol attracts moisture, which rapidly deteriorates fuel.    My “fix it” shop offered the following solution: run the lawn mower/snow blower/etc until it’s almost out of gas or drain the fuel when not in use.  I consulted some articles on the subject that suggested the problems to be more extensive, but I’m going to employ the simple solution above to do the trick.

    Why bother preventing ethanol damage?

    Maintaining expensive tools even with the simplest of procedures will save you trouble and money in the future. Insurance doesn’t and shouldn’t cover everything, including a small engine with moisture damage, so I hope this tip acts as your insurance against this problem!

    And for a insurance videos and topical resources, visit the A. G. Gordon, Inc. Website. Learn about personal insurance here.

      INSURANCE QUESTION?

    Kay Gordon

    Tags: safety, insurance, cheap, Automobile, energy, tips, garden tools, maintenance, lawn, ethanol, fuel, gasoline, care, mower, small engine, equipment

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