When scouting for a high-quality used car, sometimes a private seller rather than a dealership offers better value. But, while private sellers can offer great deals, there are some important considerations to remember. Let’s look at some tips and advice on buying a car from a private seller safely and confidently. Playing With Price When buying a car from a private seller, pricing is one of the most important considerations. Unlike buying from a dealership, where prices are typically set, private sellers are more likely to be open to negotiation. Here are some tips for getting the best deal ..read more

As the weather gets warmer, this could mean spending the day on the water.  Whether it’s a day sail or boating around a lake, it’s helpful to brush up on boating safety best practices to help avoid an accident. In 2022, 636 people lost their lives in boating accidents, according to the United States Coast Guard. Another 2,222 were injured in 4,040 total boating accidents for that year. As concerning as these numbers are, they shouldn’t prevent you from enjoying the water. Just remember to follow some important boat safety precautions before you head out: Have your boat inspected. Th ..read more

It’s a Saturday afternoon and life is looking up. After weeks of searching for a new vehicle, you’ve finally settled on the right car. You completed the test drive, negotiated a good price, agreed on a trade-in value and signed all the paperwork. Now, with keys in hand, it’s finally time to drive off the lot. But as you give your Erie Insurance agent a call to add the new car to your car insurance policy, you realize their office is closed for the day. Now what? Can you drive your new ride home; or do you need to wait until Monday? Is My New Car Insured if I Buy it on the Weeken ..read more

Life is always changing – which is why it’s important to review your insurance needs and make sure your coverage is keeping up with your life. Whether you’re entering adulthood or nearing retirement, you may have a need for life insurance… but understanding which policy is best for you can be confusing. Let’s talk term and whole-life insurance to help you find which benefits you the most, at any stage of life. Term Life Insurance Term life insurance provides coverage for a specific number of years, and you select the “term”. It’s an easy, more affordable option if you’re not looking for lifelo ..read more

Whether you’re a hardcore biking enthusiast or more of a casual cruiser, riding your bike is a great way to enjoy the outdoors – and a healthier way to get around, too. After each ride, it’s important to remember to lock your bike up so thieves can’t steal it. Close to two million bicycles are stolen each year, according to bike registry Project 529.  And as a good bicycle can cost anywhere from a few hundred dollars for a basic model to several thousand dollars for a racing or mountain bike, the toll of stolen bikes can add up, costing cyclists nearly $1 billion per year, says Project 52 ..read more

Dwelling coverage is the portion of your homeowner’s insurance that protects the physical structure of your home from common hazards. This includes not only the livable area of your house but also attached structures like your deck, porch, or garage. Since it covers anything that’s considered to be legitimately part of your home’s structure, it also covers things like built-in appliances. When it comes to unattached features like a fence, gazebo or shed, though, dwelling coverage does not apply. Nor does it apply to the land on which your home is situated. As a simple rule of thumb for dw ..read more

Having your own business can be an extremely rewarding endeavor. All businesses encounter risks, but successful ones know how to approach those risks in a calculated and strategic fashion. However, even calculated decisions sometimes cannot predict situations that lead to financial loss. Specifically, business losses occur when operating expenses exceed the revenue earned during a certain period. A wide range of variables can lead to business loss, such as natural disasters, cyber-attacks, and legal troubles. Types of Large Losses Generally, large losses in business can result from situations ..read more

Spring Maintenance for Your Home As spring rolls around, many homeowners should consider revitalizing their homes through post-winter maintenance. Winter can often damage a home, including its exterior, plumbing, and climate control systems. In anticipation of winter, try adding the tips below to your spring maintenance checklist. HVAC Maintenance During warmer seasons, air conditioning is more than just a luxury; it is a home essential. Therefore, HVAC maintenance is an essential part of spring home maintenance. Replace air filters to maintain and improve air quality. This also prevents strai ..read more

Streets and roads are not the exclusive domain of motor vehicles. In some areas, it contains cyclists as well as pedestrians. Prioritizing safety for everyone is paramount. Increased awareness of cyclists’ presence fosters a culture of mutual respect and caution. We can create a safer and more inclusive environment by respecting all road users and advocating safety measures. The Do’s for Cyclists Cyclists should heed the following tips to prevent accidents:  Wear proper safety gear: Always wear a helmet and reflective clothing to increase visibility and protect yourself in case of accidents ..read more

Employee theft is a major issue that many business owners must unfortunately confront, damaging employer-employee trust and creating an intolerable financial burden on operations. Taking proactive measures to prevent and address instances of theft is crucial to protecting the business community. On average, workplace theft results in a staggering $50 billion in losses each year. The Alarming Scope of Employee Theft The growing prevalence of employee theft is very concerning. Twenty-five percent of businesses have reported losses exceeding $1 million due to employee theft. Statistics also reve ..read more