Road Trip Tips for the Holiday Weekend!

With Labor Day coming up this weekend, many families are finishing up their summer vacations, or planning a quick three day getaway weekend. Whatever the plan, here are a few tips for a safe road trip:

  • Get your oil changed and prepare your vehicle for the trip. Remember to check your tires for the correct amount of air pressure. Also check: fluids, battery, belts, and the air conditioner.
  • Make sure you have your South Carolina Auto Insurance and registration information in your vehicle.
  • Plan the path of travel ahead of time. Research construction areas, detours, and high traffic areas. Be sure to plan your times around the rush hour of the cities you will be driving through.
  • Obey the speed limits and traffic laws. Of course you would like to make it to your destination a little bit earlier; however, it is not worth that speeding ticket or accident.
  • Remember this is a big weekend for travel so the highways will be busier than usual.
  • Keep your arrival information in a folder or organizer and check it twice before leaving your home. In the folder should be important documents such as: Arrival information for hotel or vacation rental (Phone numbers, address, contact person), directions to destination, and any medical information needed.
  • Pack a cooler with bottles of water.
  • For the unforeseen incidents, don’t forget: jumper cables, blanket, first aid kit, spare tire and tools.
  • Remember to lock your doors when you exit the vehicle, as your vehicle could be a target for theft when full of personal items.

Also, you may want to take a look at your insurance policy – some policies have road side assistance which would come in handy if you are out of state and need help.

Our personal lines agents are here to assist you with your Auto Insurance Charleston questions – give them a call 877-321-8037.

Beacon Insurance Group wishes you a fun and safe Labor Day Weekend!



Put Your Phone Down and Drive!

You’re on your way to work and realize that you forgot to tell your husband to pick up the kids from school. What would you do?

  1. A.    Text him – you can send him a quick message and get back to driving.
  2. B.    Call him – you can watch the road at the same time.
  3. C.    Wait until you stop at a stoplight and text him, no texting and driving!
  4. D.    Call/text him when you get to work.

If you answer is D, you chose the safest answer. Obviously, you should not text or call while driving, and even waiting until you get to a stop light is still a bit distracting.

As cell phones and texting become our primary means of communication, it is important to remember the incredible danger that accompanies it. Here are a few statistics posted on the National Safety Council Website:

  • A University of Utah driving simulator study found drivers using cell phones had slower reaction times than drivers impaired by alcohol at a .08 blood alcohol concentration, the legal intoxication limit.
  • In 2008, the prevalence of drivers talking on cell phones was 11% at any moment during the day.
  • A minimum of 200,000 crashes are likely attributed to text messaging.
  • A 2009 Nationwide Insurance public opinion poll found nearly 40 percent of teens and young adults surveyed sent and received text messages while driving.
  • 16% of fatal crashes in 2009 involved reports of distracted driving.
  • Of those drivers involved in fatal crashes who were reportedly distracted, the 30- to 39-year-olds had the highest proportion of cell phone involvement.

We could go on and on about how important it is to not use your phone and drive, but it all comes down to a certain question: Is that phone call or text message worth it, or can it wait until you reach your destination?

It is the law in South Carolina to have auto insurance; however, it is not a state law to stay off of your phone while driving. It is important to know your coverage should you be involved in an automobile accident caused by distracted driving. If you are looking for South Carolina Auto Insurance look no further – give us a call: 877-321-8037.

Do you think you are pretty good at concentrating? Try this awareness test to see just how good you think you are at focusing and knowing your surroundings:

Save Money on Your Auto Insurace – Ask Your Agent!

When is the last time you really sat down and analyzed your South Carolina Auto Insurance policy? It is a good idea to look at it as soon as possible as you may qualify for a lower premium. Companies offer discounts in order to help their customers save money, and most people do not realize all of the discounts available to them. It is best to get in touch with your agent and discuss the best options for you and your family.

Most discounts are based on your vehicle, driving history, driver’s education, driver affiliations, and customer loyalty. In turn, these break down to discounts such as:

Safe Driver Discount– no accidents/violations

Paid in Full Discount– Paying entire premium up front

New Car Discount – Owning a car less than a few years old

Accident Forgiveness Program -Being violation and accident free for a certain number of years could qualify you for this program

Multicar/Multi Policy Discount – Having 2 or more cars on the same policy or having home, boat, & car

Good Student Discount – Younger drivers with good grades, usually A’s or B’s

Driver Education Discount – Taking courses such as defensive driving or drivers training

Homeownership Discount– Owning a home or condo

Customer Loyalty Discount– Staying with the same company for multiple years

It is important to know that all discounts vary and you must qualify to receive the discounts.  The options are based on your household drivers, the state you are living in, and your insurance company.

Looking for a Bluffton Insurance Agency? Well you have found the right one. Michele & Kris are here to answer your questions regarding auto insurance discounts and are ready to help save you time and money!


Source: International Risk Management Institute

Business Insurance 101

There is a lot of thought that goes into owning and starting your own business.  One of the most important details you need to think about is your South Carolina Business Insurance. Whether you have looked into insurance in the past or you are a beginner in search of answers, Beacon Insurance Group is here to help you with what you need to get on the right track.

Here are a few types of insurance you may need depending on your business:

  • Property Insurance – This will cover damage or loss to your property
  • Liability Insurance – Insurance for what you are legally obligated to pay because of bodily injury or property damage caused to another person.
  • Business Auto Insurance
  • Workers Compensation Insurance – Insurance that pays for medical care for injured workers and helps to replace lost wages while they are unable to work.

Other types of optional coverage:

  • Errors and Omissions Insurance / Professional Liability
  • Employment Practices Liability Insurance
  • Directors and Officers Liability Insurance
  • Key Employee Insurance
  • Umbrella Policies

These are just a few types of insurance you may need, it is best to discuss your South Carolina Commercial Insurance with a licensed agent. Brian and Ken are here to help you – Call us today!



It’s Hurricane Season – What’s Your Plan?

Arlene, Bret, Cindy, Don, Emily – what do these have in common? Well they aren’t people, they are hurricanes, and they have either already been here or they are on the way. Mid August – late October marks peak season for those of us on the Atlantic Coast. Here are two questions you should ask yourself: Am I prepared? Have I looked over my South Carolina Home Insurance  policy lately?

According to the National Hurricane Center, here are the steps you should take to better prepare yourself for a hurricane:

  • Develop  a Family Plan: Meet with your family and determine what you will do if you are asked to evacuate
  • Creating a Supply Kit: This includes items such as 3-day supply of drinking water and food, change of clothing, blankets, flashlights, medicines, first aid kit, emergency tools, and batteries.
  • Having a Place to Go:  Learn the inland evacuation routes and find a hotel or choose a friend or family member’s home to stay safe.
  • Securing Your Home: It is important to plan ahead on how to secure the windows and doors of your home. Heavy plywood or metal shutters are most often use.

If you have pets, it is important to include their necessities in the planning process. Include your pet’s food, leash, litter, carrier, medication, and medical records in the supply kit. You will need to make sure that your safe location is pet friendly. If it is not, plan accordingly by checking out the boarding facilities near your destination.

It is better late than never, but the earlier you prepare for a hurricane the better off you will be. 

If you have any questions about your insurance coverage or if you need helping finding a South Carolina Insurance Agency , give us a call – we’re here for you.

Source:  National Hurricane Center