Part 2 Tips for the Ticker or Treaters


Homeowner's tips for Halloween:

A well lit sidewalk and porch will help the costumed capers who will be visiting your home.  Some of the children in costumes will have limited movement and may affect their visibility.  A well lit home will also prevent and vandalism, which is higher this time of month.

Keep your pets inside or in a separate room if you are entertaining.  Dogs can be easily spooked by the costumes.  I came out of the restroom with my Jim Morrison wig to surprise my family, expecting a good laugh.   My well behaved German Shepard did not think it was so funny.  She scared me half to death!

If you have a neighborhood watch in place.  Advise them if you will be at another location and have them keep a close eye on your home.  Wouldn't hurt to leave some light on in the house.  I know this could be deceiving to the trick or treator's.

Driver Tips

Slow down, be on high alert to the roads.  Kids are excited and maybe running into the street, even darting out between parked cars.

Avoid leaving your parked car in a deserted area.  Vandals are less likely to do their dirty work in the open.  Do not leave anything of value in the car. If you can park in the garage, even better.

Happy Halloween, I wish all of you a spooky fun night!

Halloween Safety Tips


Tips for the Ticker or Treaters

  1. Make sure the  costume fits:  Make sure the mask does not impair their vision.  Make the costume does not limit their mobility.
  2. Select props that will compliment the costume but not injury someone: For example a sharp sword could ruin someones night.
  3. Make sure your group is seen:  Glow sticks can be worn by the kids.  Parents make sure to bring a flashlight so oncoming cars can see you when crossing the streets.
  4. Make sure the trick or treaters are supervised: Make sure an adult is with them.
  5. Young adults should plan their route:  Make sure to plan and share the route with an adult.

There will be more to come in the next few days leading to Halloween.  We will be providing tips for drivers and homeowner's.

Must Have Items in Your Car Emergency Kit


What happens if your phone dies or you are in a remote area with no signal? Do you have the tools to change a tire, switch out a fuse or jump start the battery?

An emergency kit can mean a difference of minutes when it comes to changing a tire or hours stranded waiting for help.

Here are some must have items to have in your car.

When it's dark:

Flashlight and road flares.

When it's hot:

Water, extra coolant, sun screen, and an umbrella to provide some much needed shade.

When it's cold:

Lighter or matches and a blanket.

When you need to change a tire:

Tire jack and wrench, and a spare tire.  Tires do expire!

Some other necessities:

Jumper cables, first aid kit, and nutrition bars.

No matter how reliable your car is, you never know when this can come in handy.  Make sure this is easy enough to reach and that all your passengers know where it is.



Auto Insurance Coverage-What are you buying? How much do you need?


Auto insurance is required almost in every state.  If you or another covered driver are in an accident , insurance could pay for the injuries and damages to vehicles. Depending on the coverage purchased, auto insurance will also protect your investment if your vehicle is stolen, vandalized or damaged by fire.

When a person purchases and insurance policy, that person is called the "insured" he or she is responsible for the premium or payment to the insurance company. A deductible is an out of pocket expense that the insured agrees to pay before the insurance pays for the remainder of the balance.  When selecting a deductible the rule of thumb is the higher the deductible the lower the premium.  Keep in mind that the deductible selected is an amount you will be able to come up with at any given time.

Liability coverage pays for the damage caused to others if you are found at fault in an accident, covering the medical expense and damage to other vehicles involved.

Bodily Injury pays for injuries to other people when the insureds vehicle driver is at fault.

Property Damage is paid out when the insureds vehicle does damage to someone's property.  If you were to hit a fence or mailbox....

Collision pays out to your vehicle when in a covered accident regardless of who is at fault.

Comprehensive will cover your vehicle if it was stolen, vandalized, flood or caught on fire.

For a more in depth look at these coverage's please refer to the original article or call us directly.

Parents and Teens Test Your Knowledge


Teens are the least experienced drivers on the road, so it is no surprise that accidents are the leading causes of death for kids ages 16-20 years old.  The National Highway Traffic Safety Admin reported that just over 3,000 teen drivers & passengers were killed & 297,000 were injured in accidents in 2015.

Parents and Teens challenge yourself by clicking the link above and complete the short quiz.



Students and Young Drivers


If you have had to add your child who is a new driver, you know premiums can be expensive!  Insurance companies usually define a young driver between the ages of 16-25. People in this age group, especially males can be considered high risk.  This group of drivers are classified high risk because this group they tend to file more claims than any other group. As a general rule a young driver must have their license for three years before the rates begin to decrease.

Companies are looking for responsible habits.  Doing well in school may offset the increase some.  The good student discount extend to unmarried drivers who maintain a 3.00 GPA with usually 12 units or more.  This discount is offered on the liability portion of the premium.

Here are some tips to keep your premium down:

Drive Responsible: Maintain a good driving record with no claims and keep the Good Driver Discount.

Remain on Parents Policy: If their primary residence is the parents  home, keep them on the policy as a additional driver.  This will add the Multi Vehicle discount if adding another vehicle.

Increase Deductible:  The higher the deductible the lower the premium.  Also check to see which payment plan may be the best fit.

Low Mileage: Keep the miles low if possible. Simple logic, the greater amount of time on the road increases their chances of being in an accident.  Maybe restrict the access to the vehicle.

Some Cars Cost Less to Insure: Before adding a vehicle call your Agent for some quotes.  The more information you have the better decision you will make.



Soldiers Deployed Overseas Receive Nearly 1,500 Care Packages Postmarked 9/11 from Mercury


Nine years ago two Mercury employees wanted to show their support to our military by sending home comforts.  Today we have approximately 7 offices who have joined in. These home comforts consistently sent reminding those military men and women abroad how much their work is appreciated.  Mercury employees, active duty military and veterans work together collecting, packing and shipping goods.

Mercury Insurance CEO and President, Gabe Tirador. “We employ a lot of veterans, and many employees have family who are serving, which is why I’m extremely proud of this grassroots event that has grown throughout the company. It gives us all a chance to say thank you to the members of our Nation’s Armed Services.”

Trent Carny, active duty U.S. Navy says "the food abroad is different and receiving something from home can change your whole days outlook"

Insurance 101 for College Students and their Parents

Your child is off to college and may be taking some expensive property with them.  Things to consider protecting their belongings.


  1.  Cover their personal belongings with a insurance policy.  Your primary homeowner's policy may cover their belongings if they are living on campus, double check with your carrier.  If they plan on living off campus consider a Renters Policy.
  2. Have them create an inventory of what they are taking and the cost associated with each item.
  3. If they are taking a car with them, make sure to update the garaging address on your auto policy.

Protecting your home while on vacation

Most traveled vacation months are July and August, so no surprise these would be the two highest months for burglaries.

Although none of these are fool proof, they have help protect your home while you are away.

Secure your home.  Make sure all doors and windows are locked, even windows on the second floor.  Never store the extra key under the welcome mat, rock or in the planter.  Give a key to a trusted neighbor in case of an emergency.  Trim back bushes near the windows so there is no hiding space allowing them ease of entry.  Purchase an alarm that would contact Police and Fire Dept.  Alarms will in most cases provide you with a discount on your homeowner's insurance policy.

Trusted neighbor.  Let your trusted neighbors know that you will be out of town and to keep an eye on your home for anything suspicious.

Make your home appear to be occupied.  Don't let the newspaper or mail pile up.  Ask a neighbor to pick them up or have the service delayed until you return.  Set some of your indoor lights on a timer.

Social Media. Don't share your vacation photos online, wait until you get home to post.

Insurance Policy. Talk with your Agent before you leave on vacation and know what potential losses would be covered while you are away.  Keeping an updated log of belongings helps if there was an unexpected loss or theft.

Vacation. Most important of all, enjoy yourself and have a blast!


Tips for Parents Teaching Their Kids to Drive

When your kids are ready to get behind the wheel for the first time it can be very exciting and stressful at the same time.  Regardless of their age or experience behind the wheel a young, new driver is more likely to be in an accident due to lack of experience.  Things to consider when you transition your passenger to a driver.

  1.  Have a plan, what is your destination? Will you be driving on the city roads or using the freeways. Vary the routine, take them on different roads exposing them to pedestrians, sharp turns and country roads.  Exposing them to these different driving conditions will help you advise them on what to expect behind the wheel.
  2. Practice evasive driving.  It can be as simple as setting up some cones in an empty parking lot and teaching them to brake hard avoiding the cones acting as a stopped vehicle. You can also stagger the cones and have them drive in and out of them.  Parallel parking is something you can have them work with the cones.
  3. Have fun.  This can be a white knuckled experience for the both of you.  Set up the objectives and keep it within their experience and ability.  Light and easy, let them build their confidence behind the wheel.