Spencer Insurance Blog

This question comes to us in many forms.  Do I have full coverage? Do I have good coverage? Am I fully protected? The answer to these questions can be different for each of our clients.  Our Mission Statement says: “Spencer Insurance Agency, Inc. recommends and provides insurance products and services to our clients that best meets [...]

Wow!  Did I hear 47 inches of snow in one week here in Philly?  There are several things you should do to prevent claims on your auto and home insurance. Your auto insurance: Since many back streets are still snow covered and that snow is packed and like ice, you need to allow a lot more time to [...]

In a recent blog I suggested to everyone that you should be outraged at the fact that Pennsylvania does not have stricter teen driver safety laws. Now an organization has been formed to target distracted drivers.   As U.S. Transportation Secretary Ray LaHood states “Every single time you take your eyes off the road or talk on [...]

Tragically car accidents continue to be the primary cause of teenager deaths.  In our area we had three accidents that caused the death of 6 teen drivers in two months.  I have teamed up with  the Society of Family Insurance Specialists (SFIS) in striving to reduce that statistic by  providing parents a free online 16 step ‘Teach [...]

In December there were three fatal accidents in our area taking the lives of six teen passengers.  In 41 states there are Teen Driver Laws that limit the number of passengers that can be in a teen driver’s car.  Sadly, Pennsylvania is one of nine states without a law limiting the number of passengers in a [...]

Many factors will play into your decision, but you should be aware of a recent study.  On September 25, 2009 MSNBC.com had an article titled “1 in 4 teens with own car has been in a crash.”  The research was based on a nationally representative survey of more than 5500 teens in grades nine through 11.  More [...]

During these challenging times, many families are having to make tough choices about how they allocate their money, especially families with teen drivers.  So, if your teen will soon be getting his driver’s license, you may be considering ways to reduce the high cost of insurance.    Sometimes parents with good driving records believe they can save money by buying [...]

I was having lunch today reading the Wall Street Journal and couldn’t believe what I was reading on the front page. “In the land of ‘Live Free or Die” some refuse to buckle under pressure.”    Our family vacationed in New Hampshire for years and I would recommend you spend some free time there, BUT wear [...]

  I just got back from the polls and it was great to see a high voter turnout.  Today is Election Day and I know most of us are glad it is here. My mail will be a little lighter tomorrow and I won’t have as many voice mails to listen to when I get home.   Despite [...]