The Importance of Buying Locally This Season

 Auto Insurance, Home Insurance, Insurance  Comments Off on The Importance of Buying Locally This Season
Dec 032015

BUYLOCALWith the holidays in full swing, purchasing gifts are on the top of everyone’s to-do list. Although large chain stores may be the most convenient and affordable locations for many people, they are not always the most beneficial for a local community. It is no secret that small businesses struggle to keep up with these big chains during the holidays, and in many cases, local businesses close their shops permanently because they simply cannot compete.

Though “Small Business Saturday” has passed, Soucy Insurance would like to reiterate the importance of shopping locally. One of the main benefits is that it helps stimulate the local economy. According to a recent study, local businesses generate 70% more local economic activity per square foot compared to big businesses. This local activity creates an annual return, which would normally be a deficit for a big business in identical conditions.

During the holiday season, many chain stores hire new employees to keep-up with demand. However, these are only temporary positions, and chains will displace these employees at the conclusion of the holidays. Oftentimes, this pattern leads to a tax increase to keep up with new service rates. By supporting local employees, you are not only keeping them busy but also keeping them secure.

Beyond the economic benefits, buying locally also means you are helping to improve the environment. The additional shipping and production that comes with the holiday season results in an increase of pollution output. In fact, approximately half of all pollution is caused by industry and big business.

Shopping locally is a great way to give back to your community. Local businesses are the livelihood of a community and help make each region unique. Before you start getting your gifts in order, Soucy Insurance encourages you to consider shopping locally. A little thought can go a long way towards bettering your community.

Information for this article provided by: The Benefits of Shopping and Buying Locally (, Why Buying Local Is worth Every Cent (

Trick-Or-Treat Safety Tips

 Auto Insurance, Home Insurance, Insurance  Comments Off on Trick-Or-Treat Safety Tips
Oct 282015

shutterstock_213180418Halloween is a time of year that’s fun, and frightening, for all ages. Dressing up as your favorite character and visiting neighbors for candies and treats can be exciting for children, but nerve-wracking for parents. Just days away from the spooky holiday, here are a few tips to make sure your family’s Halloween is full of more treats than tricks:

  • Make sure your children’s costumes are trick-or-treat ready. Bright and reflective costumes are easier for drivers to see. Shoes should fit well to prevent tripping. Hats should fit properly so that they cannot slide over their eyes. Using non-toxic makeup could be better than a mask, as masks can block or limit eyesight.
  • Popular trick-or-treating hours are 5:30 p.m. to 9:30 p.m., so be especially alert for kids during those hours.
  • Have children carry flashlights so they are more visible to automobiles.
  • Plan for children to go out with a group and/or an adult chaperone. Remind them to never go inside a stranger’s house.
  • Only visit houses with their front lights on, which indicates trick-or-treaters are welcome.
  • Stay in well-lit areas, on sidewalks and out of the road. Plan routes accordingly to avoid having to cross streets frequently.
  • Don’t cut across yards, as there may be unknown obstacles in the dark.
  • Before eating treats, sort and check them at home. Although tampering with treats is rare, adults should check for items that may be open, spoiled, or inappropriate for children (such as anything that could trigger an allergic reaction).

Once the candy sorting is complete and your little ghosts or goblins are asleep, remember to change the batteries in your smoke alarms when you change your clocks. Daylight Saving Time ends at 2 a.m. on November 1st this year, right after the conclusion of the holiday. We hope you have a wonderful and spooky Halloween weekend!


Information for this article provided by: Halloween, Quick Tips to Make Halloween Safer for Children

Five cars you never knew you could afford

 Auto Insurance, Insurance  Comments Off on Five cars you never knew you could afford
Jun 242013

We pride ourselves on the many different types of insurance we write, including classic car insurance. Below is an article from Haggerty Insurance, the leading insurer of classic cars, describing five classic cars with a reasonable price tag.

By Rob Sass

You know the brands: Ferrari, Lamborghini, Bentley — the exotics that are usually the province of pro athletes, rappers, movie stars and Internet gazillionaires. But when those guys lose interest in their shiny new toys and the miracle of depreciation sets in, ordinary folks with Camry budgets eventually can get in on the fun (that is until the first big shop bill shows up). Anyone looking to play in this market needs to get a thorough pre-purchase inspection by an expert and budget accordingly for maintenance. Here are five of our favorites:

  1. 1997-98 Aston Martin DB7: The DB7 was the car that saved Aston Martin and 007’s vehicle of choice. Aston’s then-parent Ford retained the brilliant Ian Callum to design a gorgeous new Aston that took advantage of Ford’s production expertise and the economies of scale presented by Ford’s parallel ownership of Jaguar. The earliest supercharged six-cylinder cars are now more than 15 years old, and the once six-figure English beauties can be found for $35,000 or less. Convertibles tend to be a little pricier than coupes and will probably never be any cheaper.
  2. 1977-85 Ferrari 308 GTS: Those who can remember the 1980s will know this as the car of Thomas Magnum of Magnum P.I. fame. While no great powerhouse by today’s standards, the noises are pure thoroughbred Ferrari. And so are maintenance expenses. A major service can require removing the entire engine and cost upwards of $3,000. It’s best to buy one where this has been done recently. On the plus side, a good 308 can be reasonably reliable. Your choice: $25,000 gets you the keys to a decent Ferrari 308 or a loaded Corolla.
  3. 1981-88 Lamborghini Jalpa: Conventional wisdom holds that there is no such thing as a cheap Lamborghini (and once upkeep is figured in this is likely true), but the Lamborghini Jalpa from the mid-1980s is our pick for an entry-level Lambo. While it lacks the V-12 punch of big brothers like the Diablo and Countach, its 3.5-liter quad cam V-8 is no slouch and its looks are suitably exotic. About $30,000 buys your first Lamborghini.
  4. 1985-97 Bentley Turbo R: The Bentley Turbo R is a linebacker in a bespoke suite. Weighing in at more than 5,000 lbs. the Turbo R still managed to go like stink and handle reasonably well for a car of its size. Bentley was owned by Rolls-Royce at the time these cars were produced, and in keeping with its traditional practice, it didn’t release horsepower figures (quoting simply “adequate”), but it was estimated that the Turbo R put out in the neighborhood of 300 hp. Shockingly, nice ones can be had for well under 20 grand.
  5. 1996-04 Lotus Esprit V8: The Esprit V8 is the sprinter on the list. While the other exotics were quick in their day, the Esprit remains a car not to be trifled with by kids in Mustang GTs. With a 0-60 time of 4.4 seconds and classic mid-engine supercar looks, the Esprit V8 at under $40,000 may be the steal of the century.

For more information about insuring your classic car, call Soucy Insurance at 762.2218.

This Spring … keep your adventures covered

 Auto Insurance, Home Insurance  Comments Off on This Spring … keep your adventures covered
Mar 042013

If you have a car or truck, you have auto insurance. The same reasons you have coverage for your automobile also applies if you own a recreational vehicle, motor home, motorcycle, or boat. You need to be protected in case of damage, theft, or an accident.

Soucy Insurance has policies that cover a wide range of on- and off-road sports vehicles including:

  • Motorcycles, dirt bikes, and scooters
  • Motorhomes, campers and camper trailers/fifth-wheel camper trailers
  • Golf carts and Segways
  • ATVs and snowmobiles
  • Trailers/sleds used with any of the above

We can provide you with insurance that includes bodily injury liability, coverage for guest passengers, and property damage liability. You also can receive coverage for collision, medical payments and uninsured/underinsured motorists.

The cost of your policy does not have to put a damper on your fun. You can save if you have a safe-driving history, if you pay your policy in full, if you combine with your auto and homeowners’ policy, and if you have anti-theft and safety devices.

Call us at 401-762-2218 to learn more about coverage for your recreational vehicle and how we can help you save.

Protect Your Interests After an Auto Accident

 Auto Insurance, Insurance  Comments Off on Protect Your Interests After an Auto Accident
Jan 282013
While we certainly hope that you are never involved in an auto accident, we realize that they do happen. That’s the reason why you trusted Soucy Insurance to find the right auto insurance for you. 

If you are ever involved in an accident, the following suggestions will help the claim process move ahead smoothly. Please print this out and keep a copy in your glove box.

  • Make sure that everyone is unhurt-in your car and any others involved. If anyone is injured, call 911 immediately. Even if you think your injuries are minor, it is probably a good idea to have them checked out-either at the hospital or with your family doctor. A seemingly minor injury could turn out to be more serious.
  • Call the police. They can help defuse a difficult situation and ascertain who is at fault. Make sure that police on the scene get the names, addresses, and phone numbers of all other involved parties. Ask for a copy of the police report from the officer.
  • If you happen to have a camera with you-or a smart phone-take some photos of the vehicles involved, the general area where the accident occurred, and skid marks.
  • If possible, safely move the cars out of the way of traffic.
  • Do not admit or discuss liability with anyone other than staff at our office or your insurer.
  • Get the following information about everyone involved in the accident: name, address, driver’s license number, license plate number, description of car, e-mail address, all phone numbers (home, work, and cell), and auto insurance information. Also, obtain contact information from any witnesses to the accident.
  • Report the accident immediately to our office at 762.2218.
  • While the details are still fresh in your mind, write your own account of the accident. Be sure to make note of anything the other involved parties said about their injuries or about how they may have contributed to or avoided the accident.

Get more personal lines insurance and risk management tips and ideas from IRMI.

Copyright 2013

Important Information from Progressive Insurance

 Auto Insurance  Comments Off on Important Information from Progressive Insurance
Oct 112012

Progressive Insurance recently informed their agents of important information regarding airbags that they learned from the U.S. DOT. Learn more from Progressive’s message below.

USDOT Warns of Faulty Airbags

Yesterday evening we learned from the U.S. Department of Transportation that they are warning the public about a major concern involving the purchase and installation of a significant number of potentially faulty air bags by independent repairshops around the country. The DOT will announce a process for the public to follow to determine if their vehicle may be at risk. That process may involve questions for insurers who paid claims for air bag replacements.

As one of many insurance carriers across the country who use independent repair shops for customer claims, we’re committed to helping our agents and their customers resolve questions and concerns regarding the safety of their air bags. If your customers think their vehicle may be affected, they can contact our customer call center at 877-856-2850.

Please note that the DOT estimates less than one tenth of one percent of all vehicles may be affected, and they have narrowed the incident window down to within the last three years.

Buying Insurance Online Poses Many Dangers

 Auto Insurance, Home Insurance, Insurance  Comments Off on Buying Insurance Online Poses Many Dangers
Sep 182012

Shopping online for car or home insurance may be convenient and the low prices advertised may look attractive, but the convenience and attractive prices may not suit your insurance needs. It’s important to understand that there is a difference between low-cost insurance and well-priced insurance. Remember, you get what you pay for, so it is best to consult with an independent insurance agent to discuss insurance options to fit your lifestyle.

Not only does shopping online present the risk of inadequate insurance, but there are also many other risk factors when shopping online:

Coverage Gaps: Online customers run the risk of obtaining insurance with gaps in coverage that don’t become apparent until you actually need it. Answering a few questions on a pop up screen isn’t the best way to tailor an insurance plan for your specific needs. The best service is personal service.

More Expensive: Online insurance purchases may not even be the cheapest option. While some online companies may allow you to compare prices with competitors, they are not always showing you the best prices. Remember: they choose what you get to see. An independent insurance agent is actually in a better position to obtain the most competitive rates available.

Security Issues: Shopping online for anything can pose many cyber security risks and privacy concerns — and shopping online for insurance is no different. Purchasing insurance online makes it easier for companies to collect sensitive information that can readily be passed onto to third-party organizations.

Remember, the purpose of purchasing insurance is to protect yourself against risk. So why take such great risks in buying insurance online? If you’re in the market for insurance, we encourage you to talk with an independent insurance agent first. Please call Soucy Insurance Agency at 401-762-2218 with any questions about insurance purchases.

Take Advantage of a “Distant Student Discount”

 Auto Insurance, Insurance  Comments Off on Take Advantage of a “Distant Student Discount”
Aug 212012

Your son or daughter has been accepted into college, and in just a few short weeks, he or she will start their first semester of their freshman year. College Student

It’s likely that when they first received their Driver’s License, you also put them on your insurance. But now that they’re moving away without access to their car, you’re looking to save money on your monthly car insurance bill.

Fortunately, some auto insurers offer a discount on insurance for students away at college with no access to a car except over vacations, breaks and summer. They refer to it as a “distant student discount” or a similar term. Your college student could be eligible for a distant student discount if he or she meets certain criteria. These may be:

  • The student must be over 100 miles away (or further for some insurers).
  • The student must be under the age of 23.
  • The student must be attending college full-time.
  • The student must not have access to a covered vehicle while at school. (That is, a vehicle covered under your policy. He can drive someone else’s car, but it better have insurance).

Some insurance carriers allow student’s to be taken off the policy completely while away at school. This is referred to as a “deferred driver” and can save you even more money. Just remember to add your student back onto your insurance once they come home to drive one of your covered cars.

Since every insurance company differs in their terminology and their requirements of student discounts, we encourage you to contact your independent insurance agent to ask if this discount could be available to you. Please call Soucy Insurance Agency at 401-762-2218 with any questions.