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Spring is a time for new beginnings – flowers bloom, the weather turns pleasant, and we find the time to tidy up a year’s worth of clutter. Start fresh in the new year and review your
insurance coverage. There is always a risk of not covering your basics. We always ensure you understand your policy for:
 Home
 Auto
 Motorcycle
 Business insurance

Don’t let time pass before the next emergency. Review your policy now, and contact Pronto insurance to help you get the most for your money in 2024. Read below to learn how.

What’s Your Current Coverage?
To kick off your insurance review, we recommend re-reading your insurance policies, including health insurance. This step allows for a comprehensive overview of your coverage and an easy
comparison between policies.

Identify Gaps
As you study your existing coverage, consider any significant changes that may have occurred since the last time you reviewed your policies. Perhaps you renovated your home or made large
purchases – changes like these may require updates to your insurance. Next, pay close attention to the specifics of each of your policies. Understanding coverage limits
and exclusions is essential to understand your potential vulnerabilities better. Once you’ve identified gaps, you can make informed decisions about necessary adjustments.

Optimize and Update
Let’s say you’ve combed over your policies and found overlaps or duplications in your coverage. If you streamline and consolidate coverage where possible, you can potentially save on your
insurance costs without compromising the protection you rely on. Your reviewing process may get a little overwhelming. Not to worry – Pronto Insurance and its experts can assist you with valuable insights into optimizing your policies. They can guide you as you find the coverage you need while maximizing your savings.

Let’s Get Started
Reviewing your existing insurance policies is necessary and should be done regularly to optimize your savings and protection. Ready to get the most out of your coverage? We are, too!
Contact the experts at Pronto Insurance today to fine-tune your insurance needs and enhance how we protect you.

The start of the year marks several things, but few are as impactful as pursuing a fresh start. Regarding your beloved vehicle, the new year gives you the time to review your car, make a list
of expenses you will need to make, and keep it running smoothly. Renew your relationship with your set of wheels while enabling you to keep it running as best as possible. Side note: the
same applies to your auto and motorcycle insurance!

Tire Check and Maintenance
Are your tires looking a little worse for wear? Kick off your maintenance checklist by ensuring your tires are safe and ready to go. We suggest examining tire pressure, tread wear, and a
professional inspection for alignment and balance. Remember, tires that are in good health can improve safety and positively impact insurance rates.

Fluid Levels and Routine Checks
Your vehicle has an abundance of fluids that allow it to run smoothly and safely. A lack of fluids can increase the risk of breakdowns or even more extensive and costly issues. Check and top off
all essential fluids, including engine oil, coolant, brake, and transmission fluids.

Safety Precautions
One of the best ways to optimize your vehicle’s safety is to ensure some of its essential components are working as expected. Components to cross off your checklist include rear and
side mirrors, headlights, and cameras. If you suspect your ABS, airbags, or other more intricate components of your car are not functioning correctly, it’s essential to have them inspected by a professional.

A Healthy Care Means Healthier Insurance Rates
Maintaining a clean driving record and ensuring your vehicle’s regular maintenance keeps you safe on the road and can qualify you for potential insurance discounts. If you’ve made
improvements to your car, closely examine your auto insurance policy and assess whether it still aligns with your current driving habits and vehicle status.

Pronto Insurance Has Your Back
At Pronto Insurance, we are keeping you safe, providing the peace of mind you need, and saving you money. If you’re currently considering new coverage for your vehicle, don’t hesitate
to give us a call. Our team of insurance agents is ready to answer your questions and help you formulate a policy that prioritizes precisely what you need.

You’ve worked hard for an entire year, and the upcoming tax season brings you a unique opportunity to bolster the protection surrounding your most valuable investment: your home.
If you’re anticipating a tax refund, you may want to consider using it to fortify your home insurance coverage for better protection and peace of mind.

Some Questions You’ll Want to Consider
Investing in your home’s protection should be a breeze of a decision to make. If it isn’t, consider some of the following questions:
 Does my policy adequately cover the total value of my home and possessions?
 Am I protected against potential liabilities?
 Does my policy include coverage for unexpected events like natural disasters or theft?
By identifying any areas of improvement in your existing policy, you’ll lay a solid foundation for utilizing your tax return strategically.

Maximize Your Coverage When and Where It Matters 
Let’s say you’ve renovated your home in the last year – you may want to consider adjusting your insurance accordingly. Upgrading your policy to reflect these changes ensures that your
increased property value and investments are adequately protected. Likewise, suppose you’ve made high-value jewelry, art, or collectibles purchases. In that case,
you may want to use your tax return to add special endorsements or riders that provide specific coverage for your prized possessions. Keep in mind standard policies have limits on these
items.

But Why Is This the Right Call?
It’s all about protecting the material things you care about. Sure, investing in comprehensive insurance might seem like an added expense, but it’s a proactive approach to safeguarding your
home against unforeseen circumstances. While enhancing coverage is essential, you also want to balance protection and savings. That is
to say, you shouldn’t just increase your costs without rhyme or reason. You can optimize your insurance without substantially increasing costs by evaluating different coverage options,
deductibles, and potential discounts.

Get a Good Deal
Let’s be frank – insurance and all it entails can be a confusing process to take on. But don’t worry; Pronto Insurance is here to make your journey as easy and quick as possible. Our team
of insurance agents is ready to provide the information you need as you make crucial decisions. We’ll help you evaluate your budget while recommending tailored solutions that fit your needs.
Ready for a quote? Get in touch with Pronto Insurance today!

Millions of travelers will take to the road or the skies this holiday season. Before you pack your bags we want to remind you about an item that should most definitely be included in your itinerary: your home.

Break-ins are especially common when people leave their homes for extended periods, so taking preventive measures is crucial—still trying to figure out where to start? It’s why we highly recommend home insurance.

Securing Your Home
As it happens, one of the most common reasons cars and homes are broken into is one of the most avoidable ones: they forget to lock their doors.

• Before you leave, double-check that all your doors and windows are locked securely.
• We also recommend you invest in smart locks or security systems that can be monitored via phone and provide an extra layer of protection.
• If there are valuable items outside your home or hidden keys that can potentially be found, we recommend storing them in a secure location.

Don’t Overshare
We get it – vacations are exciting, and wanting to share it all with your friends and family on social media is a natural reaction. However, we want to urge you to avoid oversharing. Broadcasting your absence could inadvertently invite unwanted attention from intrusive criminals waiting for an opportunity. Once you make it back home, share away!

Count on Someone You Trust
Would-be burglars are often deterred by trusted friends, family members, or neighbors keeping an eye on your home. Ask them to collect your mail and any packages you may expect during
your absence. The frequent movement at your home can give the impression that someone is present.

Leave a Light On
This may be an old trick, but it has stood the test of time because it generally tends to work. If you can invest in timers for lights or electronic devices, you can amplify the illusion of activity inside your home.

Be Thorough on Your Return
Once you’re back from your holidays, make sure you take time to inspect your property thoroughly. Look for any signs of tampering or suspicious activity, especially around your gates, windows, and doors. If you identify any causes for concern, contact the authorities, and your insurance provider immediately.

The Peace of Mind You Need
Sometimes, the most essential protection for your home is the one you can’t see. Active Insurance has you covered if you’re ready to hit the road but need a home insurance policy to have your back in case of break-ins.

Trust us to provide the coverage, support, and prices to protect your property even when you’re not there.

No matter where you are or where you plan to go, Pronto Insurance protects you against unexpected events. With that said, life tends to change – families grow, vehicles are bought, homes are created, and more. If changes are making their way into your life, reviewing and updating your insurance policies is essential.

Life Changes, Your Coverage Does Too
Let’s say you bought a new home, welcomed a new child into your family, and started a new business paying dividends. Great! Yet, all these changes can have an impact on your insurance requirements. You must reassess your policies to ensure they align with your current circumstances.

But Why?
To simplify it, reviewing your policy lets you stay informed about any alterations in coverage, deductibles, or terms and conditions. By staying on top of this information, you position yourself to make informed decisions about your insurance future.

Adapting to Changing Risks
Talking about the riskier changes in life can be difficult. However, it's important to discuss if you want to get the most out of your insurance policies. For instance, your home has steadily aged and needs different coverage considerations. Or you’re getting to the point in life where you require closer monitoring of your health. These are situations that may impact your insurance needs. By addressing them, you can appropriately tailor your insurance and retain the best type of coverage possible.

Active Insurance Adapts with You
At Active, we welcome and embrace change in our clients’ lives. And if life is changing for you, know that our team of experienced insurance agents is here to help you address them with the policies you deserve. Our dedicated team is here to assist you in:

• Understanding policy changes
• Exploring new coverage options
• Ensuring that your insurance aligns with your current situation

The change in seasons can increase the potential for storms, heavy rain, gusty winds, and even hail. These hazardous weather events can wreak havoc on both homes and vehicles. Active Insurance recognizes the value of your assets, vehicle, and home, so we want to emphasize the need for proactive measures to safeguard your property with this insightful information.

Your Home Matters
Bracing your home is crucial if a fall storm is expected to hit your area. Start by securing loose items in the yard, such as chairs, tables, toys, etc. If time allows, trimming any overhanging branches that can break and strike your home is a good time. To prevent damage to your windows and doors, reinforce them with tape or plywood if the storm you expect will be vital.

Your Car Does Too
During a storm, your car is at the mercy of hail, falling branches, or any other items being flung by the strong winds. Your vehicle should be parked in your garage or any covered structure whenever possible. A car cover can also provide protection if you cannot do so.

Insurance Makes the Difference
Unfortunately, some storms arrive so abruptly that preparing for them becomes impossible. This is where your home and auto coverage earns its value. Our comprehensive plans are designed to address the damages to your assets and provide the peace of mind you deserve during challenging times.

Let’s Get You Covered
Are you worried your property is underinsured? Are you looking to get the type of coverage that fits your specific needs without adding expensive items you won’t use?

Pronto Insurance has you covered.

Call our insurance agents today to learn more about our insurance rates and get a custom quote.

In the last few months, car thefts have become prevalent across the nation. As these types of incidents rise, it’s important to emphasize the need for vehicle owners to take proactive action against them.

But how can you possibly prepare for an event like a car theft, and how do you mitigate its consequences?

The Basics
If you want to minimize the risk of car theft, there are some basic precautions you can take.

• Always park in a well-lit area with at least some traffic.
• Lock your doors and close your windows before leaving your vehicle.
• Never leave valuable items in plain sight to dissuade any would-be thieves.

Embrace Tech
In today’s digital age, technology offers advanced solutions that can help protect your vehicle. For instance, GPS tracking devices and immobilizers can significantly increase the chances of recovering a stolen vehicle. While dealing with new tech can be overwhelming at first, revolutionary devices can give you the added layer of security you need.

Stay Covered
One of the most crucial aspects of car ownership is having comprehensive auto insurance coverage. It’s not just a legal requirement; it’s a shield against unforeseen events like theft. Understanding your insurance policy’s coverage for theft and ensuring it adequately protects your vehicle is paramount.

• Without insurance, you would be personally responsible for covering these costs, which can be substantial.
• Auto insurance includes liability coverage, protecting you from legal and financial repercussions if you’re at fault in an accident. It may cover medical expenses, property damage, and legal fees.
• If your vehicle is stolen or damaged in a non-collision event, such as a natural disaster or vandalism, auto insurance can help cover the cost of repairs or provide compensation
  for the loss.

Active Insurance Has Your Back
At Active, we want to help you avoid emergencies and unforeseen issues.

• Our auto insurance policies are tailored to safeguard your car in various scenarios,
  including theft.
• We prioritize offering the support and coverage needed to navigate through challenging
  situations.Our auto insurance policies can be tailored to address your specific needs – nothing
  more.

Call our insurance agents today to learn more about our coverage options and get a custom quote.

The changing of the seasons is a welcome sight for many – whether you’re welcoming the coziness of autumn and winter or the brightness and excitement of spring and summer. But, if you’re a homeowner, these seasonal changes can impact your home and its insurance. Learn more about the effects of changing seasons and how to protect one of your most significant investments: your home.

The Potential for Weather-Related Damage
In some regions, fall and summer are known for their unpredictable weather, including heavy rains, thunderstorms, and even hurricanes. These weather events can damage your home, such as roof leaks, flooding, or fallen trees. As a homeowner, reviewing your home insurance policy and watching for adequate coverage for these types of events is essential. If you need more protection, consider adding or updating coverage.

Yard Maintenance and Liability
Yard maintenance is a year-round affair. Whether you’re raking leaves, trimming trees, or resurfacing your exteriors, an accident on your property can make you liable for potential injuries. We recommend you look at your liability coverage within your home insurance policy.

Holiday Decorations and Liability
Holidays allow families to be fun and festive with elaborate decorations and special effects. Unfortunately, décor can often make way for trips and fall hazards that could prove as costly as they are dangerous. If you plan to decorate your home for the holiday season, review your liability coverage and take steps to ensure your decorations are safe for visitors.

Seasonal Home Improvements
Many homeowners undertake home improvement projects yearly – from spring cleaning to fall-time gutter cleanouts. These improvements can enhance your home's safety and reduce the risk of insurance claims. Keep records of any upgrades or repairs you make, as they may impact your home’s insurability and could even lead to lower premiums when applicable.

Active Has Your Back
Taking precautions and reviewing your home insurance policy, anticipating the changing seasons can help protect your home and family from potential risks and liabilities. At Active Insurance, we want to remind you that staying informed and proactive is key to ensuring your home remains safe and secure. If you’re looking to increase your insurance coverage or switch insurance companies altogether, contact us. Our insurance experts can answer your questions and guide you as you move forward.

Slowly but surely, the year is coming to a close, and you’ve discovered something alarming: you’ve been paying way too much for auto insurance over the last few months. Lucky for you, fall is a great time to find potential ways to save.

Auto insurance discounts can help lower your premium while protecting you on the road.

Learn more about the various discounts available to you and get tips on maximizing your savings as the end of the year approaches:

Bundle Your Policies
Let’s say you have different policies for different types of assets—auto insurance for your vehicle, home insurance for your dwelling, and so on. One of the most effective ways to save on auto insurance is by bundling all your policies. Building can both function as a way to save money and simplify your entire insurance management process.

Maintain a Safe Driving Record
Safe driving matters year-round, but you can turn it into savings if you’ve shown fantastic driving habits over the last few months. Insurance companies frequently offer safe driving discounts for individuals with a clean driving record.

Review Your Coverage Needs
Let’s say you spent the entire summer on the road, taking exciting vacations and visiting pals nationwide. Great! But maybe you expect to do much less driving during the fall and winter – perhaps you don’t need the type of coverage you had during the summer! It may be time to take a long, hard look at your range and make changes that fit your driving needs going forward and save you money.

Install Safety Features
A lot can happen in a matter of months. For instance, you could add safety features like anti-lock brakes or anti-theft devices to your vehicle. If that’s the case, you could potentially see plenty of savings. Let your insurance company know and find out what discounts they will offer.

We Have You Covered
As you enjoy the beautiful autumn drives, ensure you’re also enjoying the savings on your auto insurance. By taking advantage of these discounts and tips, you can maximize your savings and ensure you’re adequately protected on the road this fall.

If you’re enjoying the cooler temperatures and changing leaves, then you will like the savings you can get on your auto insurance this time of year. If you’re currently hunting for better rates and adequate coverage, Active Insurance can help. Contact our insurance agents today and learn more about our services.

Purchasing a new vehicle is a big commitment and responsibility with many things to consider. Unfortunately, the need to buy a new car is sometimes inevitable.

But how will you know it’s time to get rid of your current set of wheels and purchase a new vehicle?

Active Insurance has a few common and not-so-common tell-tale signs that could help inform your decision.

Frequent and Costly Repairs
Visiting the mechanic for repairs is a challenging situation. Especially if it happens much more frequently, if the bills are piling up and your car keeps breaking down, it may be time to evaluate the cost of repairs against the current value of your vehicle. In many cases, investing in a new car may be a more financially sensible option.

Declining Fuel Efficiency
If you’ve visited a gas station in the last few months, you know how expensive fuel can be. If your car’s fuel efficiency is subpar, it could be a sign that your car’s major components are wearing out. In the long run, upgrading to a newer, more fuel-efficient vehicle may be your most cost-effective option.

Safety Concerns
There’s a solid chance your vehicle lacks the safety features that make modern vehicles so desirable. If safety is on your mind, you may want to consider a car equipped with adaptive cruise control, automatic emergency braking, lane-keeping assist, and other safety features.

Decreased Reliability
Has your car ever left you stranded in the moments you most needed its reliability? Has this happened a lot more frequently over the last few months? If your vehicle doesn’t have what it takes to offer you reliability, it may be time to start shopping around for a more dependable car.

Resale Value Considerations
Depreciation is a fact of every vehicle’s life – their value decreases substantially as time passes. If you’re concerned about how much money you could get for your current set of wheels, trading in or selling it may be your best option.

Insurance You Can Trust
If you decide to purchase a new vehicle, you must protect it with an insurance policy you can trust. Not to worry, Active Insurance has you covered.

Contact our insurance agents today for a quote or more information about our services.