New Year’s Tips You Didn’t Know You Needed—Brought to You by Ken Smalley Insurance
New Year, New You—But Does Your Insurance Have Resolutions?
Ah, the New Year. A time for fresh starts, lofty goals, and questionable gym memberships that fade by February. But while you're busy making resolutions to eat better, exercise more, or finally organize that junk drawer, don’t forget—your insurance might need a little self-improvement too.
Yes, your policies may not be hitting the treadmill or drinking green smoothies, but they could use a refresh for the year ahead. After all, an outdated policy can weigh you down just as much as all those holiday cookies. So, let’s set some insurance resolutions for 2025!
1. Trim the 'Deductible Weight'
Just like we promise to shed a few pounds, your car insurance might benefit from a deductible diet. Ask yourself: Is your deductible too high or too low? The right balance could save you money, whether you face a fender bender or an icy patch in the driveway.
2. Bulk Up on Coverage
Who says bulking season is just for the gym? It’s time to check if you’re underinsured. Maybe you upgraded your home, bought a new car, or added some fancy gadgets over the holidays. If they’re not covered, you might regret it later.
3. Break Bad Habits
Skipping flossing is bad enough, but skipping insurance payments? That’s a resolution you can’t afford to ignore. Set up autopay or calendar reminders to keep your policies active—because nothing says "Happy New Year" like avoiding a lapsed policy.
4. Get Your Financial Fitness in Check
Is your wallet groaning under the weight of unnecessary coverage? Maybe you’re paying for rental car insurance when your credit card already covers it. Or you’re still carrying full coverage on a car that’s worth less than your coffee budget. A policy review could lighten your financial load.
5. Focus on Safety
"Safety first" is more than a catchphrase—it’s a way to save money on premiums. Resolve to install that security system you’ve been eyeing, take a defensive driving course, or clear your roof of snow. Bonus: You might even qualify for discounts!
6. Plan for the Unexpected
Life throws curveballs—snowstorms, surprise business expenses, or that neighbor who takes "friendly fireworks" too far. Make sure your home, auto, and business insurance policies are ready to handle whatever 2025 throws your way.
7. Celebrate Wins
It’s not all about cutting or adding coverage—sometimes it’s about celebrating what you already have. Did you get married, have a child, or pay off a big loan? Update your beneficiaries and feel good about ticking one more thing off your to-do list.
Make 2025 the Year of Better Coverage
This New Year, don’t just focus on your own resolutions—help your insurance policies reach their goals too. Whether it’s trimming costs, bulking up protection, or simply checking in to make sure you’re on track, now is the perfect time for a policy refresh.
Need help making those insurance resolutions a reality? Call us today at 916-929-2886 for a quick, no-pressure review. Here’s to a safe, secure, and covered New Year!