Schrader & Murphy's FREE BBQ success

To everyone that attended the FREE BBQ at our Downtown Schrader & Murphy Insurance location, thank you for making it a huge success!  I cannot even begin to tell you how much we enjoy sponsoring these events for the public!  We are able to meet so many people all who are very thankful  that we reach out to our Community and offer FREE lunches and dinners for anyone that wants to participate.  There is no catch to the phrase "FREE BBQ"!  We ask for nothing in return.  We at Schrader & Murphy Insurance just want to give something back to the Community during these touch economical times. We will continue to provide these FREE BBQ'S to the public for as long as we possibly can.  The next one will be at our Vancouver Schrader & Murphy Insurance location on September 16th from 11-5 and the one following that will be in the Tri Cities location at our Kennewick Schrader & Murphy Insurance location  on September 30th.  Everyone is invited so start spreading the word!  We never run out of our delicious sausages and chips and beverages so you will never be sent away hungry!  Just show up and you will be able to partake in the fun that is had by all and the great food that we serve!! See you soon!

Earthquake Insurance

I know that there may be some of you out there curious about Earthquake Insurance since we are now hearing the word "EARTHQUAKE" quite a bit these days.  Well the first question you ask is  What is earthquake insurance?

It provides coverage if your home is damaged by an earthquake. Your standard homeowner and renters policies will not cover earthquake damage. Earthquake insurance is a separate endorsement you must buy and add to your homeowner or renters policy.
An earthquake endorsement generally excludes damages or losses from floods and tidal waves – even when caused or compounded by an earthquake. However, if you experience a loss due to a landslide, settlement, mudflow, or the rising, sinking and contracting of earth, your endorsement may cover it if the damage resulted from an earthquake.   NEXT

How earthquake coverage works

Unlike most homeowner or renters policies, earthquake insurance is designed to cover catastrophic damage. Insurers normally sell it with deductibles equaling 10 to 25 percent of the structure’s policy limit.
This limit works much like the deductibles on your auto insurance. The insurance only pays for damages that exceed the deductible. However, unlike car insurance, some earthquake policies treat contents and structure separately. You may have a separate deductible for each of the following:

• the contents
• the structure
• unattached structures like garages, sheds, driveways or retaining walls

Not all policies are alike. You should compare the coverage differences between companies to get the coverage that fits your needs.

We can always give you good advice if you call any of our offices at Schrader & Murphy Insurance and you will learn if this is something that you should consider purchasing .  Call 877-777-6600 and speak to any of our friendly agents to achieve peace of mind!

For any other of your personal insurance needs go to our website at www.SchraderAndMurphyInsurance.com and get an instant free quote.

Carpooling Tips From our Friends at GMAC Insurance

Here are some tips from our friends at GMAC Insurance on carpooling for the upcoming school year!  Yes, can you believe that, it is back to school time already!! So read on and see if  you can learn anything that may be helpful for you and prevent any unwanted tickets or fender benders.

Five Back-to-School Carpooling Tips

It's time to go back to school! Consider these valuable back-to-school carpooling tips as you pile the kids in the car and take them to school.

1. Meet with your fellow carpoolers. Get to know your fellow carpoolers to gauge how responsible of a driver they are. Use that time to establish some ground rules in terms of pick-up and drop-off times so everyone is on the same page.
2. Make sure all passengers are buckled-up. Before driving away, make sure all adults and children in the car have a fastened seatbelt. Never let kids share a seatbelt and never transport children in the cargo area of a pickup truck, station wagon, or van.
3. Keep your eyes peeled. Avoid situations where you'll have to back up in areas where young children are walking or playing. Also, make sure children get into their house once you drop them off before driving away. Always pay attention to your surroundings in the car.
4. Don't play parent in the car. When you are driving carpool, your most important responsibility is driving. When children begin acting out, don't try and solve behavior problems while driving. If the problem is affecting your driving, pull the vehicle over at a safe place to deal with the issue.
5. Pay attention to school guidelines on carpool lines. All schools have different systems in place to manage their carpool lines. Be observant of your school's system and abide by their speed limit and drop-off and pick-up locations and times.

I hope this was beneficial to all of our fellow carpoolers out there.  Have a great school year everyone!

Article of Importance From Our Friends at GMAC Insurance

I think all parents should read this informative article from GMAC Insurance.  Let us know what you think about it in the comment section of our website at http://www.schraderandmurphyinsurance.com/.

According to the GMAC Insurance National Drivers Test, what restrictions are parents putting on their teenage drivers to help them be safer drivers? Sixty-four percent of parents are imposing the "no mobile devices while driving" rule. About 50 percent of parents implement a driving curfew. About 35 percent of parents allow their teenagers to drive only locally and restrict them from driving on any highways. Thirty-two percent of parents don't allow their teenagers to drive with friends in the car. Twenty-two percent of parents allow their teenagers to drive only if a parent is with them. Only nine percent of parents don't impose any driving restrictions on their teenage drivers. The top five distracted driving habits are: 1.  Using a Smart Phone 2.  Eating 3.  Adjusting GPS 4.  Selecting a song from IPOD 5.  Driving Barefoot Keep an eye on your teen drivers and look for these bad habits that seem to be widespread among our teen population!

Schrader and Murphy Upcoming BBQ's

I am so happy to say that we at Schrader and Murphy Insurance are going to be able to host our fun filled FREE BBQ'S once again!!  The first BBQ is going to be on August 19th at our Spokane Valley location.  The address is 12801 E Sprague Avenue.  We are located next to the Department of Licensing on the right and Subway on the left.  Show up between 11-5 and receive a FREE BBQ lunch on Schrader and Murphy!! Okay,  if you are hungry for a second FREE BBQ lunch the following week on August 26th come to our Downtown location at 910 W Boone right next to Taco Bell on the left and diagonally across from the Spokane Arena.  The time to show up for that one is also 11-5 all day!! If you are up for a road trip or you live in the Portland Vancouver area you can show up at our Vancouver location on September 16th at 6718 NE 4th Plain Blvd from 11-5 and partake in the FREE BBQ lunch we are hosting there.  It is for everyone that has heard of us or not heard of us, everyone that has friends and family and everyone that likes FREE LUNCH!!!  We are so excited to host these BBQ's for all of our friends and family that live in the Community as a thank you for just being there for us to make this happen!  I will surely let you know the outcome of all of the events and I will keep you reminded close to all of the dates.  Check out our facebook page for reminders too!!! I will see all of you soon...

How to save money on your auto insurance

Someone sent me this article on saving money on your auto insurance and I think it is good advice for anyone trying to save money these days.  It always pays to get good advice from people you know in the same situation. Anyway, here it is http://finance.yahoo.com/news/First-Person-How-I-Lowered-My-ac-204033640.html?x=0..