We have some exciting news at Podmaska Insurance Agency!
We've recently added several new companies allowing us the opportunity to save YOU money. That's right! Our investment in these companies allows YOU to invest in your home, auto and business most affordably.
We've received a tremendous response from our current clients and can't wait to get YOU involved! Susan in Cranston saved $500 on her auto policy! Dolores in North Providence saved over $700 by packaging her home and auto together! That's just an example of two of our satisfied clients. YOU can be one of the many!
During these difficult economic times, there's still a company out there trying to save YOU money- It's Podmaska Insurance Agency!
Monday, August 31, 2009
The Many Benefits of Riding Your Bike to Work
If you're lucky enough to be within bike-riding distance of your workplace, you should consider riding a bike to work. There are many benefits: you'll save on gas; help the environment by cutting down on greenhouse gases, and get exercise as well. You'll also get to enjoy good weather and view your town in a whole new way.
One more benefit: it helps get you a discount on your auto insurance. How? By putting fewer miles on your vehicle. The fewer miles you have on your car, the lower your auto insurance rate.
More good news - most bikes are insured under your homeowners insurance (or renters), so any damage done to it while you're at work will be covered.
With all these great benefits, why wouldn't you ride your bike to work? Exercise, saving money, fresh air - perfect!
For more information on auto insurance, contact us today! We're Podmaska Insurance, an independent insurance agency based in Providence, Rhode Island. Feel free to stop by our website for a free auto quote to see how much we could be saving you!
One more benefit: it helps get you a discount on your auto insurance. How? By putting fewer miles on your vehicle. The fewer miles you have on your car, the lower your auto insurance rate.
More good news - most bikes are insured under your homeowners insurance (or renters), so any damage done to it while you're at work will be covered.
With all these great benefits, why wouldn't you ride your bike to work? Exercise, saving money, fresh air - perfect!
For more information on auto insurance, contact us today! We're Podmaska Insurance, an independent insurance agency based in Providence, Rhode Island. Feel free to stop by our website for a free auto quote to see how much we could be saving you!
What determines my Commercial Auto Insurance Rate?
Any business that depends on a vehicle needs a good solid commercial auto policy. This will cover medical expenses for you or your employees and the vehicle in the event of an accident. Most commercial auto insurance policies have greater liability limits that personal auto insurance coverage.
But what exactly factors into your commercial auto policy? Here are a few things:
Your location
What your commercial auto(s) is/are carrying, and if hazardous materials are being transported
Ownership of vehicles
What safety devices are installed, such as anti-lock brakes, air bags, seat belts, etc.
Features such as alarm systems, GPS, professional locks, etc.
Maintenance of the commercial vehicles
Where the commercial vehicle is kept parked
The regular weather conditions of where you are located
Previous insurance claims
The extent of coverage you're looking for
The added safety features, good maintenance, and parking indoors will lower your premium, as will raising your deductible. You can also get a discount by combining your commercial auto policy with your other business policies - it pays to use the same insurer for everything.
For more information on commercial auto insurance, contact us today! We're Podmaska Insurance, an independent insurance agency based in Providence, Rhode Island. You can also visit our website for a free commercial auto insurance quote!
But what exactly factors into your commercial auto policy? Here are a few things:
Your location
What your commercial auto(s) is/are carrying, and if hazardous materials are being transported
Ownership of vehicles
What safety devices are installed, such as anti-lock brakes, air bags, seat belts, etc.
Features such as alarm systems, GPS, professional locks, etc.
Maintenance of the commercial vehicles
Where the commercial vehicle is kept parked
The regular weather conditions of where you are located
Previous insurance claims
The extent of coverage you're looking for
The added safety features, good maintenance, and parking indoors will lower your premium, as will raising your deductible. You can also get a discount by combining your commercial auto policy with your other business policies - it pays to use the same insurer for everything.
For more information on commercial auto insurance, contact us today! We're Podmaska Insurance, an independent insurance agency based in Providence, Rhode Island. You can also visit our website for a free commercial auto insurance quote!
Tuesday, May 19, 2009
Honda Shows Their Warm & Fuzzy Side
Does your furry little friend ride everywhere with you? If so, you may want to consider Honda's new dog-friendly version of the Element SUV, unveiled at New York's auto show last week.
The new Honda comes complete with a doggie bed and a spill-resistant water bowl, and includes a rear ventilation fan, rubber floor mats with bone patterns, and dog-friendly exterior emblems.
The vehicle also includes restraints designed to protect both the dog and people in a collision.
Will this be the end of dogs sticking their heads of car windows? Maybe, if they're too busy relaxing in their doggie beds.
If you love to bring your dog everywhere with you in style, then this may just be the car for you. Keep in mind that Hondas typically cost more to insure when it comes to auto coverage, but for those who know that nothing's too good for their pups, that won't be a bother.
For more information on auto insurance, contact us today! We're Podmaska Insurance, an independent insurance agency based in Providence, Rhode Island. You can also visit our website for a free auto insurance quote!
The new Honda comes complete with a doggie bed and a spill-resistant water bowl, and includes a rear ventilation fan, rubber floor mats with bone patterns, and dog-friendly exterior emblems.
The vehicle also includes restraints designed to protect both the dog and people in a collision.
Will this be the end of dogs sticking their heads of car windows? Maybe, if they're too busy relaxing in their doggie beds.
If you love to bring your dog everywhere with you in style, then this may just be the car for you. Keep in mind that Hondas typically cost more to insure when it comes to auto coverage, but for those who know that nothing's too good for their pups, that won't be a bother.
For more information on auto insurance, contact us today! We're Podmaska Insurance, an independent insurance agency based in Providence, Rhode Island. You can also visit our website for a free auto insurance quote!
What Determines My Commercial Auto Insurance Rate?
Any business that depends on a vehicle needs a good solid commercial auto policy. This will cover medical expenses for you or your employees and the vehicle in the event of an accident. Most commercial auto insurance policies have greater liability limits that personal auto insurance coverage.
But what exactly factors into your commercial auto policy? Here are a few things:
Your location
What your commercial auto(s) is/are carrying, and if hazardous materials are being transported
Ownership of vehicles
What safety devices are installed, such as anti-lock brakes, air bags, seat belts, etc.
Features such as alarm systems, GPS, professional locks, etc.
Maintenance of the commercial vehicles
Where the commercial vehicle is kept parked
The regular weather conditions of where you are located
Previous insurance claims
The extent of coverage you're looking for
The added safety features, good maintenance, and parking indoors will lower your premium, as will raising your deductible. You can also get a discount by combining your commercial auto policy with your other business policies - it pays to use the same insurer for everything.
For more information on commercial auto insurance, contact us today! We're Podmaska Insurance, an independent insurance agency based in Providence, Rhode Island. You can also visit our website for a free commercial auto insurance quote!
But what exactly factors into your commercial auto policy? Here are a few things:
Your location
What your commercial auto(s) is/are carrying, and if hazardous materials are being transported
Ownership of vehicles
What safety devices are installed, such as anti-lock brakes, air bags, seat belts, etc.
Features such as alarm systems, GPS, professional locks, etc.
Maintenance of the commercial vehicles
Where the commercial vehicle is kept parked
The regular weather conditions of where you are located
Previous insurance claims
The extent of coverage you're looking for
The added safety features, good maintenance, and parking indoors will lower your premium, as will raising your deductible. You can also get a discount by combining your commercial auto policy with your other business policies - it pays to use the same insurer for everything.
For more information on commercial auto insurance, contact us today! We're Podmaska Insurance, an independent insurance agency based in Providence, Rhode Island. You can also visit our website for a free commercial auto insurance quote!
Friday, April 24, 2009
Motorcycle Awareness
While spring as arrived and summer is approaching, you may notice the increase of motorcycles on the road. May is a month "Motorcycle Awareness", not only to protect your life, but also the lives of others surrounding you on side roads and highways.
Unfortunately, over two-thirds of accidents that involve both cars and motorcycles are caused by drivers, not by motorcyclists. Why? Well, often times, drivers tend to look for other cars, not motorcycles. Motorcycles are smaller and harder to see...often hiding in blind spots. It's harder for a driver to predict a motorcyclists reaction to certain things. For instance, as a driver, you may just drive over a piece of debris in the road, but a motorcyclist would have to swerve around it to avoid what could be a fatal situation.
As drivers, we could be more conscious during hazardous road conditions that may cause a motorcyclist to take a more evasive action than you. Be careful of your blind spots, especially if you are driving a bigger SUV or truck. And be careful when your view is obstructed by other large vehicles. Motorcycles have a way of "suddenly" appearing.
Always give motorcyclists the proper amount of travel space. They need all the same priveleges as all other vehicles on the road. Be clear with your signals. Look out at intersections. Try to anticipate responses by a motorcyclist by noticing possible obstructions. Allow plenty of space.
Although two-thirds of accidents involving cars and motorcyles are caused by the driver of the vehicle, that still implies that one-third of accidents are caused by motorcyclists and that there is still a need of safety on the behalf of the motorcyclist. What can you do as a motorcyclist?
Properly position yourself in the lane of traffice. Don't "hide" in the driver's blind spot...if you can see the driver in their side view mirror then the driver can also see you! Always use proper signals letting other drivers know exactly what you intend to do. Use your headlight and wear contrasting colors that make you more visible. Always wear a helmet just in case. Be aware of possible things that may obstruct a driver's view of you.
As always, make sure both your car and motorcyle is properly insured in case an accident does occur. Do you have the proper insurance limits that would cover you if the other driver isn't insured? Do you have insurance to cover Medical Expenses? Give us a call with questions regarding your policy....or for a free QUOTE!
Podmaska Insurance Agency, located in the Providence Area....your local one stop insurance shop for all of your insurance needs.
Unfortunately, over two-thirds of accidents that involve both cars and motorcycles are caused by drivers, not by motorcyclists. Why? Well, often times, drivers tend to look for other cars, not motorcycles. Motorcycles are smaller and harder to see...often hiding in blind spots. It's harder for a driver to predict a motorcyclists reaction to certain things. For instance, as a driver, you may just drive over a piece of debris in the road, but a motorcyclist would have to swerve around it to avoid what could be a fatal situation.
As drivers, we could be more conscious during hazardous road conditions that may cause a motorcyclist to take a more evasive action than you. Be careful of your blind spots, especially if you are driving a bigger SUV or truck. And be careful when your view is obstructed by other large vehicles. Motorcycles have a way of "suddenly" appearing.
Always give motorcyclists the proper amount of travel space. They need all the same priveleges as all other vehicles on the road. Be clear with your signals. Look out at intersections. Try to anticipate responses by a motorcyclist by noticing possible obstructions. Allow plenty of space.
Although two-thirds of accidents involving cars and motorcyles are caused by the driver of the vehicle, that still implies that one-third of accidents are caused by motorcyclists and that there is still a need of safety on the behalf of the motorcyclist. What can you do as a motorcyclist?
Properly position yourself in the lane of traffice. Don't "hide" in the driver's blind spot...if you can see the driver in their side view mirror then the driver can also see you! Always use proper signals letting other drivers know exactly what you intend to do. Use your headlight and wear contrasting colors that make you more visible. Always wear a helmet just in case. Be aware of possible things that may obstruct a driver's view of you.
As always, make sure both your car and motorcyle is properly insured in case an accident does occur. Do you have the proper insurance limits that would cover you if the other driver isn't insured? Do you have insurance to cover Medical Expenses? Give us a call with questions regarding your policy....or for a free QUOTE!
Podmaska Insurance Agency, located in the Providence Area....your local one stop insurance shop for all of your insurance needs.
Friday, April 17, 2009
Keeping Up With Building Codes: An Unexpected Expense
Did you know that you should update your homeowners insurance policy every time your building code changes?
Building codes tend to change often, and if your house (or investment property, commercial office property, etc.) is ten years old, chances are it doesn't meet the current codes. And with today's "green" building code updates, it's likely that your home won't meet the code even if it's just five years old.
All of this means that if something were to happen to your home, you would be required to bring it up to code when you repair it. Would your homeowners insurance cover that? If not, you'll be expected to pay for any shortages out-of-pocket.
If you have more questions about keeping your homeowners policy up-to-date or for more information on homeowners insurance, contact us today! We're Podmaska Insurance, an independent insurance agency based in Providence, Rhode Island.
Building codes tend to change often, and if your house (or investment property, commercial office property, etc.) is ten years old, chances are it doesn't meet the current codes. And with today's "green" building code updates, it's likely that your home won't meet the code even if it's just five years old.
All of this means that if something were to happen to your home, you would be required to bring it up to code when you repair it. Would your homeowners insurance cover that? If not, you'll be expected to pay for any shortages out-of-pocket.
If you have more questions about keeping your homeowners policy up-to-date or for more information on homeowners insurance, contact us today! We're Podmaska Insurance, an independent insurance agency based in Providence, Rhode Island.
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