Pumping The Brakes

Getting the most out of every dollar seems to be a cruel expression these days as the price for daily goods continue to rise. The most noticeable of all increases of course has been on gas, which we all rely on for daily work and life. And let’s face it, most of us don’t have an alternative but to pay the piper and move on with our day. But what if there were some things you could do that may prolong the tank of gas you just purchased? That right, below we compiled a checklist that you could do today that may help you get the most of every dollar and actually save some money.

  1. Empty the trunk – The heavier the car, the harder the engine must work to move it around. The harder the engine works, the more fuel it burns.
  2. Check tire pressure – Underinflated tires cause the engine to work harder than necessary; overinflation causes tires to wear prematurely.
  3. Air Filter – One of the main causes of low gas mileage is a dirty air filter. If yours cannot be cleaned, replace it and repeat often.
  4. Bundle you errands – Once your car is warmed up, it operates more efficiently, which means with better gas mileage. Plan out your stops to be done from furthest to so that you ensure all your errands get done in the same trip.

We hope these tips help you squeeze another few miles out of your gas tank and put dollars back in your wallet.

Beat The Heat

As temperatures rise so will the urge to turn on your homes air cooling system. But it’s probably been a year since you last used it. Therefore, we encourage all our insureds to get an HVAC inspection each year in preparation for the warmer months.

HVAC, or heating, ventilation and cooling, is a system that cleans your air and provides cool air or warm air depending on your climate needs. HVAC also improves air quality in the building, helping make it appropriate for human breathing and comfort.

The goal of HVAC inspections is not only to ensure home safety, but also to determine whether your furnace and air conditioner are meeting your current home comfort needs. Your HVAC system’s efficiency relies heavily on the condition, installation quality, and size of the appliances currently in your home.

For the health, safety and efficiency of your home make sure you have the HVAC inspected before the heat of summer.

Hey Batter Batter!

Opening Day is the day on which professional baseball leagues begin their regular season. For Major League Baseball and most of the American minor leagues, this day typically falls during the first week of April. This year opening day was scheduled for Thursday April 7th, but the MLB made some last-minute adjustments.

The New York Yankees today announced that Thursday’s Opening Day game between the Yankees and Red Sox has been rescheduled due to the forecast of inclement weather.

The game will now be played on Friday at 1:05 p.m. ET at Yankee Stadium

No need to agonize over the one-day delay as this MLB season has a total of 162 games scheduled so there will be plenty of games to cover.

The real concern is…will last years champions, the Atlanta Braves, be able to hold onto their coveted title? Lets find out, tune in Friday for opening day.

Switch With Confidence

What if we told you that you could switch your homeowners insurance to us prior to your current renewal and still save some money?

 That’s right! Switching mid-term is penalty free and could potentially put some money back in your wallet. Give us a call to receive a free no-obligation quote at 877-WMUTUAL (877-968-8825) or if you prefer to go online, click and save with your new homeowners insurance policy at www.westernmutual.com        

Even if you have an existing policy that is in the middle of its term, we will advise you on how to cancel and get a pro-rated refund from your current carrier when you switch to us.

Licensed agents are ready to help you Monday through Friday, 8:00 AM to 5:00 PM PST/PDT

Great R.O.I Opportunity

According to a recent article by Forbes author Jason Mets, the average water claim has increased in cost to an average of $11,089.00. He also states, “Every year, about one in 50 homeowners files a water damage or freezing claim, accounting for 29% of all homeowners insurance claims”. The most common claims occurring from rooftop leaks, only second to old pipes. Knowing that, do yourself a favor and install a wifi water detection system such as the device Flo by MOEN. By doing this not only would you participate in helping prevent the #1 reason for water claims but you’re policy premium will go down.

Western Mutual and Arizona Home Insurance are excited to announce that we are offering all our insured’s who install a wifi water detection system by a licensed plumber, a $100 rebate plus a policy discount. The rebate applies for all states we write in and the 10% discount to all as well with the exception of CA.

Installing a system like the one created by MOEN, helps track and alert the homeowner of any unusual water flow by turning the water line off as a precaution. This device is controlled via an app making it easy to control.

Should you have any questions please contact our customer service department directly at 1-800-234-2114.

Spring Into Action

Spring is a great time to review your home for any minor repairs needed after the storms and cold of winter.  While some may require the assistance of professionals, these tasks can help you get your home ready to safely enjoy Summer and outdoor fun!

  1. Clean gutters and downspouts – remove any dried leaves or debris, make any needed minor repairs, and ensure water is easily running through and away from the home and foundation.
  2. Repair damaged walkways and outside areas – Look for cracks, holes and other hazards and schedule repairs before BBQ season is in full swing.
  3. Check sprinkler and irrigation systems for leaks or damaged sprinkler heads.  Make sure none are spraying the home or windows as this can cause moisture problems. 
  4. Trim back broken or dead tree branches, especially any hanging close or over the home.
  5. Test all CO2 and smoke alarms and change batteries where needed.
  6. Schedule HVAC system service if needed and change any filters. 
  7. Check screen doors and windows for any tears or holes to help keep those summer bugs out. 

We’re Here To Help

It’s no secret that the price for things like gas have gone up exponentially, but there’s one thing we can suggest that’ll help you save some money. We ask, when was the last time you check your homeowner’s insurance policy? You may be over-paying. Getting a free no-obligation quote can only benefit you and ultimately put some money back in your wallet.  

With our A+ rating by AM Best and over 80 years of experience protecting our valued homeowners, we can confidently say that you don’t have to cut quality for a lower price. Western Mutual has always set the standard for service and our agents are living proof of that with customer testimonials that you can read on our site.

Visit us today at www.WesternMutual.com and see how much you were over-paying.

On The Road Again

The long awaited spring break season has finally arrived. Whether it be a staycation or a road trip to the closest beach, we have some travel hacks to make this vacation affordable and easy to plan.

Step 1.  When searching for hotels or activities to do, make sure your browser is on incognito mode. This will deter from cookies tracking your searches and inconspicuously targeting you with other things that may be more expensive. Also, every time you search things such as hotels, flights on an open browser…the price will increase. Yes, you read that right! The price goes up with each search for the same flights, hotels because they see the interest and will try to get you at the highest price possible.

Step 2. Pack like a pro! It sounds cliché but remember to do simple things like stuff your shoes with socks and underwear. Place shoes at the bottom, roll your jeans instead of folding, and place next to your shoes. If your shoes are dirty, put them in a plastic bag. Put toiletries in outer zippers of suitcase to accommodate more articles of clothing inside.

Step 3. Bring as much non-refrigerated food and snacks as you can. Do not forget essentials like water, protein bars, apples and chips. Small foods that can be carried in your purse when out-and-about on the town.

Step 4. Use cash when possible. I’m sure you’ve noticed that places like gas stations charge less when using cash. Most small businesses also prefer cash purchases to avoid the credit card processing fee. So when you can, always carry cash and avoid using your card. This also helps you avoid any fraud on your bankcards that may have occurred otherwise.  

We hope these simple hacks save you not only money but also some sanity in planning your trip and may you enjoy it however you spend it.

File On Time

Did you know that 5% of eligible taxpayers fail to file before the appropriated deadline? That means that roughly 7 million people push it off either to the last minute or simply forget about doing them in the midst of everything else in their daily life.

The good news is that there is still time and tax prep offices are open for business. If doing them online is more your speed, make sure to collect all paperwork necessary just as if you were going into an office. The following items are some of the basic documents needed to file your tax return:

  1. Personal Identification – That includes an ID, social security, mail from utility companies
  2. Documents about your income, formally known as a W-2 or 10-99 form
  3. Any adjustments to your income – IRA contributions, student loan interest, etc
  4. Itemized tax deductions and credits such as child care/ education cost, donations
  5. Taxes paid on real estate, cars registration

Don’t be part of the 7 million; file your taxes today with the comfort of knowing you filed on time.

Easy Money

A quick reminder to all our insureds about our big milestone and referral incentive. As mentioned, Western Mutual celebrated 80 years in business earlier this month and we decided to raffle off $800 to one lucky customer.

For a limited time, we increased our referral incentive to $80 per new customer that switches to us. Therefore, not only will you receive $80 for letting your family and friends know about us but you’ll also be entered in our drawing for the grand prize of $800.

We will announce the winner on May 3rd via our social media platforms, so make sure to be following us…just search us by name.