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<channel>
	<title>Spencer Insurance Blog &#187; True costs of insurance</title>
	<atom:link href="http://www.spencerinsurance.com/blog/tag/true-costs-of-insurance/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.spencerinsurance.com/blog</link>
	<description>The Official Blog of Spencer Insurance Agency, Inc.</description>
	<lastBuildDate>Tue, 31 Jan 2012 07:22:52 +0000</lastBuildDate>
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		<item>
		<title>Driving in Inclement Weather</title>
		<link>http://www.spencerinsurance.com/blog/driving-in-inclement-weather/</link>
		<comments>http://www.spencerinsurance.com/blog/driving-in-inclement-weather/#comments</comments>
		<pubDate>Tue, 13 Dec 2011 08:39:51 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[accident]]></category>
		<category><![CDATA[auto insurance]]></category>
		<category><![CDATA[car insurance]]></category>
		<category><![CDATA[Cost of Insurance]]></category>
		<category><![CDATA[driver education]]></category>
		<category><![CDATA[drivers education]]></category>
		<category><![CDATA[parent of teen driver]]></category>
		<category><![CDATA[parents of teen drivers]]></category>
		<category><![CDATA[safe driving]]></category>
		<category><![CDATA[safe teen driver]]></category>
		<category><![CDATA[stress and the teen driver]]></category>
		<category><![CDATA[Teen Driver]]></category>
		<category><![CDATA[teen driver education]]></category>
		<category><![CDATA[teen driver/parent contract]]></category>
		<category><![CDATA[teen driving]]></category>
		<category><![CDATA[True costs of insurance]]></category>
		<category><![CDATA[winter car safety kit]]></category>
		<category><![CDATA[winter driving]]></category>
		<category><![CDATA[winter driving tips]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=720</guid>
		<description><![CDATA[<p>The Fall Colors have been beautiful the last few weeks.  Then all of the sudden I have a carpet of leaves on my front lawn, sidewalk and porch. Driving down the street last weekend with the wet leaves covering the road reminded me that the leaves soon will be replaced with ice and snow.  This <a href="http://www.spencerinsurance.com/blog/driving-in-inclement-weather/#more-720" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fdriving-in-inclement-weather%2F&amp;title=Driving%20in%20Inclement%20Weather" id="wpa2a_2"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></description>
			<content:encoded><![CDATA[<p>The Fall Colors have been beautiful the last few weeks.  Then all of the sudden I have a carpet of leaves on my front lawn, sidewalk and porch. Driving down the street last weekend with the wet leaves covering the road reminded me that the leaves soon will be replaced with ice and snow.  This <a href="http://www.spencerinsurance.com/blog/driving-in-inclement-weather/#more-720" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fdriving-in-inclement-weather%2F&amp;title=Driving%20in%20Inclement%20Weather" id="wpa2a_4"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t take a Gamble. Get an Insurance Checkup!</title>
		<link>http://www.spencerinsurance.com/blog/dont-take-a-gamble-get-an-insurance-checkup/</link>
		<comments>http://www.spencerinsurance.com/blog/dont-take-a-gamble-get-an-insurance-checkup/#comments</comments>
		<pubDate>Tue, 02 Aug 2011 09:44:40 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[Home safety]]></category>
		<category><![CDATA[Life insurance]]></category>
		<category><![CDATA[auto insurance]]></category>
		<category><![CDATA[car insurance]]></category>
		<category><![CDATA[costly mistake]]></category>
		<category><![CDATA[driver education]]></category>
		<category><![CDATA[drivers education]]></category>
		<category><![CDATA[home insurance]]></category>
		<category><![CDATA[homeowners insurance in Montgomery county]]></category>
		<category><![CDATA[parent of teen driver]]></category>
		<category><![CDATA[protect your home]]></category>
		<category><![CDATA[safe teen driver]]></category>
		<category><![CDATA[spencer insurance]]></category>
		<category><![CDATA[stress and the teen driver]]></category>
		<category><![CDATA[teen driver insurance]]></category>
		<category><![CDATA[True costs of insurance]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=656</guid>
		<description><![CDATA[<p>You go to your doctor once a year for your annual physical.  You take your pets to the vet for their annual checkup. You take your car for an annual inspection.  Now it’s time to have your annual insurance checkup. Things happen to you every day that can have an impact on your insurance coverage <a href="http://www.spencerinsurance.com/blog/dont-take-a-gamble-get-an-insurance-checkup/#more-656" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fdont-take-a-gamble-get-an-insurance-checkup%2F&amp;title=Don%26%238217%3Bt%20take%20a%20Gamble.%20Get%20an%20Insurance%20Checkup%21" id="wpa2a_6"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></description>
			<content:encoded><![CDATA[<p>You go to your doctor once a year for your annual physical.  You take your pets to the vet for their annual checkup. You take your car for an annual inspection.  Now it’s time to have your annual insurance checkup. Things happen to you every day that can have an impact on your insurance coverage <a href="http://www.spencerinsurance.com/blog/dont-take-a-gamble-get-an-insurance-checkup/#more-656" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fdont-take-a-gamble-get-an-insurance-checkup%2F&amp;title=Don%26%238217%3Bt%20take%20a%20Gamble.%20Get%20an%20Insurance%20Checkup%21" id="wpa2a_8"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why you need to call us when you pay off your car or home.</title>
		<link>http://www.spencerinsurance.com/blog/why-you-need-to-call-us-when-you-pay-off-your-car-or-home/</link>
		<comments>http://www.spencerinsurance.com/blog/why-you-need-to-call-us-when-you-pay-off-your-car-or-home/#comments</comments>
		<pubDate>Tue, 26 Jul 2011 08:32:24 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[auto insurance]]></category>
		<category><![CDATA[car insurance]]></category>
		<category><![CDATA[costly mistake]]></category>
		<category><![CDATA[homeowner's insurance]]></category>
		<category><![CDATA[homeowners insurance in Montgomery county]]></category>
		<category><![CDATA[spencer insurance]]></category>
		<category><![CDATA[True costs of insurance]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=647</guid>
		<description><![CDATA[<p>Why do I need to contact Spencer Insurance when I pay off the loan on my car or pay off my mortgage? Mortgagees and Lienholders have rights under your auto and homeowner’s policies.  In the case of a claim the lienholder on your car wants to make sure you repaired the car.  Likewise, your mortgage <a href="http://www.spencerinsurance.com/blog/why-you-need-to-call-us-when-you-pay-off-your-car-or-home/#more-647" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fwhy-you-need-to-call-us-when-you-pay-off-your-car-or-home%2F&amp;title=Why%20you%20need%20to%20call%20us%20when%20you%20pay%20off%20your%20car%20or%20home." id="wpa2a_10"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></description>
			<content:encoded><![CDATA[<p>Why do I need to contact Spencer Insurance when I pay off the loan on my car or pay off my mortgage? Mortgagees and Lienholders have rights under your auto and homeowner’s policies.  In the case of a claim the lienholder on your car wants to make sure you repaired the car.  Likewise, your mortgage <a href="http://www.spencerinsurance.com/blog/why-you-need-to-call-us-when-you-pay-off-your-car-or-home/#more-647" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fwhy-you-need-to-call-us-when-you-pay-off-your-car-or-home%2F&amp;title=Why%20you%20need%20to%20call%20us%20when%20you%20pay%20off%20your%20car%20or%20home." id="wpa2a_12"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>After a disaster . . .</title>
		<link>http://www.spencerinsurance.com/blog/after-a-disaster/</link>
		<comments>http://www.spencerinsurance.com/blog/after-a-disaster/#comments</comments>
		<pubDate>Tue, 15 Feb 2011 13:33:07 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[Home safety]]></category>
		<category><![CDATA[Value Added Services]]></category>
		<category><![CDATA[home insurance]]></category>
		<category><![CDATA[homeowners insurance in Montgomery county]]></category>
		<category><![CDATA[True costs of insurance]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=461</guid>
		<description><![CDATA[<p>After a disaster, sales people often go from door-to-door canvassing neighborhoods to generate new business for their cleanup and repair services. While many of these people are honest and reputable, some may not have your best interest at heart. Below is a recommended list of steps to take in order to protect yourself as a homeowner: <a href="http://www.spencerinsurance.com/blog/after-a-disaster/#more-461" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fafter-a-disaster%2F&amp;title=After%20a%20disaster%20.%20.%20." id="wpa2a_14"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></description>
			<content:encoded><![CDATA[<p>After a disaster, sales people often go from door-to-door canvassing neighborhoods to generate new business for their cleanup and repair services. While many of these people are honest and reputable, some may not have your best interest at heart. Below is a recommended list of steps to take in order to protect yourself as a homeowner: <a href="http://www.spencerinsurance.com/blog/after-a-disaster/#more-461" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fafter-a-disaster%2F&amp;title=After%20a%20disaster%20.%20.%20." id="wpa2a_16"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Year&#8217;s Resolutions to Keep!</title>
		<link>http://www.spencerinsurance.com/blog/new-years-resolutions-to-keep/</link>
		<comments>http://www.spencerinsurance.com/blog/new-years-resolutions-to-keep/#comments</comments>
		<pubDate>Tue, 11 Jan 2011 15:00:35 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[Teen Driver Safety]]></category>
		<category><![CDATA[Cell phone ban]]></category>
		<category><![CDATA[Cost of Insurance]]></category>
		<category><![CDATA[costly mistake]]></category>
		<category><![CDATA[new year's resolutions]]></category>
		<category><![CDATA[parent of teen driver]]></category>
		<category><![CDATA[safe driving]]></category>
		<category><![CDATA[safe driving tips]]></category>
		<category><![CDATA[safe teen driver]]></category>
		<category><![CDATA[Teen Driver]]></category>
		<category><![CDATA[True costs of insurance]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=432</guid>
		<description><![CDATA[<p>Okay, how many New Year’s Resolutions have you already broken?  Here are some you can make now and keep the rest of the year:  Everyone in my car will wear a seatbelt while driving. I will give my full attention to driving: this means no texting, no cell phone, no arguments, and no multi-tasking while <a href="http://www.spencerinsurance.com/blog/new-years-resolutions-to-keep/#more-432" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fnew-years-resolutions-to-keep%2F&amp;title=New%20Year%26%238217%3Bs%20Resolutions%20to%20Keep%21" id="wpa2a_18"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></description>
			<content:encoded><![CDATA[<p>Okay, how many New Year’s Resolutions have you already broken?  Here are some you can make now and keep the rest of the year:  Everyone in my car will wear a seatbelt while driving. I will give my full attention to driving: this means no texting, no cell phone, no arguments, and no multi-tasking while <a href="http://www.spencerinsurance.com/blog/new-years-resolutions-to-keep/#more-432" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fnew-years-resolutions-to-keep%2F&amp;title=New%20Year%26%238217%3Bs%20Resolutions%20to%20Keep%21" id="wpa2a_20"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Parents, are your college bound children covered under your homeowners or auto policies?</title>
		<link>http://www.spencerinsurance.com/blog/parents-are-your-college-bound-children-covered-under-your-homeowners-or-auto-policies-2/</link>
		<comments>http://www.spencerinsurance.com/blog/parents-are-your-college-bound-children-covered-under-your-homeowners-or-auto-policies-2/#comments</comments>
		<pubDate>Tue, 05 Oct 2010 12:09:30 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[Teen Driver Safety]]></category>
		<category><![CDATA[costly mistake]]></category>
		<category><![CDATA[drivers education]]></category>
		<category><![CDATA[home insurance]]></category>
		<category><![CDATA[parent of teen driver]]></category>
		<category><![CDATA[protect your home]]></category>
		<category><![CDATA[safe teen driver]]></category>
		<category><![CDATA[teen driver education]]></category>
		<category><![CDATA[teen driver/parent contract]]></category>
		<category><![CDATA[True costs of insurance]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=352</guid>
		<description><![CDATA[<p>I originally wrote this article  for one of our newsletters a few years ago.  It is still a timely article and worth repeating. A few years ago I had three children going back to college.  Three “move in days,” in the hot and humid days of August, lugging all their “stuff” to their dorm rooms and <a href="http://www.spencerinsurance.com/blog/parents-are-your-college-bound-children-covered-under-your-homeowners-or-auto-policies-2/#more-352" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fparents-are-your-college-bound-children-covered-under-your-homeowners-or-auto-policies-2%2F&amp;title=Parents%2C%20are%20your%20college%20bound%20children%20covered%20under%20your%20homeowners%20or%20auto%20policies%3F" id="wpa2a_22"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></description>
			<content:encoded><![CDATA[<p>I originally wrote this article  for one of our newsletters a few years ago.  It is still a timely article and worth repeating. A few years ago I had three children going back to college.  Three “move in days,” in the hot and humid days of August, lugging all their “stuff” to their dorm rooms and <a href="http://www.spencerinsurance.com/blog/parents-are-your-college-bound-children-covered-under-your-homeowners-or-auto-policies-2/#more-352" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fparents-are-your-college-bound-children-covered-under-your-homeowners-or-auto-policies-2%2F&amp;title=Parents%2C%20are%20your%20college%20bound%20children%20covered%20under%20your%20homeowners%20or%20auto%20policies%3F" id="wpa2a_24"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t be caught short. . .</title>
		<link>http://www.spencerinsurance.com/blog/dont-be-caught-short/</link>
		<comments>http://www.spencerinsurance.com/blog/dont-be-caught-short/#comments</comments>
		<pubDate>Tue, 27 Jul 2010 16:00:09 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[Home safety]]></category>
		<category><![CDATA[Value Added Services]]></category>
		<category><![CDATA[fire insurance]]></category>
		<category><![CDATA[home insurance]]></category>
		<category><![CDATA[protect your home]]></category>
		<category><![CDATA[replacement cost]]></category>
		<category><![CDATA[replacing your home]]></category>
		<category><![CDATA[sprinkler law]]></category>
		<category><![CDATA[sprinklers]]></category>
		<category><![CDATA[True costs of insurance]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=305</guid>
		<description><![CDATA[<p>The state of Pennsylvania and your local townships have some surprises for you if you need to rebuild your home if it were totally destroyed.   Starting January 1, 2011 any home in Pennsylvania that needs to be rebuilt are required to have a sprinkler system.  Home builders are not happy with this new requirement and <a href="http://www.spencerinsurance.com/blog/dont-be-caught-short/#more-305" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fdont-be-caught-short%2F&amp;title=Don%26%238217%3Bt%20be%20caught%20short.%20.%20." id="wpa2a_26"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></description>
			<content:encoded><![CDATA[<p>The state of Pennsylvania and your local townships have some surprises for you if you need to rebuild your home if it were totally destroyed.   Starting January 1, 2011 any home in Pennsylvania that needs to be rebuilt are required to have a sprinkler system.  Home builders are not happy with this new requirement and <a href="http://www.spencerinsurance.com/blog/dont-be-caught-short/#more-305" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fdont-be-caught-short%2F&amp;title=Don%26%238217%3Bt%20be%20caught%20short.%20.%20." id="wpa2a_28"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<title>Trust us for your business insurance</title>
		<link>http://www.spencerinsurance.com/blog/trust-us-for-your-business-insurance/</link>
		<comments>http://www.spencerinsurance.com/blog/trust-us-for-your-business-insurance/#comments</comments>
		<pubDate>Tue, 18 May 2010 14:41:02 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[Value Added Services]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[business insurance]]></category>
		<category><![CDATA[business insurance cost]]></category>
		<category><![CDATA[business security]]></category>
		<category><![CDATA[protecing your business]]></category>
		<category><![CDATA[True costs of insurance]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=226</guid>
		<description><![CDATA[<p>You have trusted us for years with your home and auto insurance, so why not check with us about your business insurance? Many of our clients are not aware that we can provide the same guidance we provide for your personal insurance to your business.  Just like your personal situation every business has different needs.  <a href="http://www.spencerinsurance.com/blog/trust-us-for-your-business-insurance/#more-226" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Ftrust-us-for-your-business-insurance%2F&amp;title=Trust%20us%20for%20your%20business%20insurance" id="wpa2a_30"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></description>
			<content:encoded><![CDATA[<p>You have trusted us for years with your home and auto insurance, so why not check with us about your business insurance? Many of our clients are not aware that we can provide the same guidance we provide for your personal insurance to your business.  Just like your personal situation every business has different needs.  <a href="http://www.spencerinsurance.com/blog/trust-us-for-your-business-insurance/#more-226" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Ftrust-us-for-your-business-insurance%2F&amp;title=Trust%20us%20for%20your%20business%20insurance" id="wpa2a_32"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></content:encoded>
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		<item>
		<title>Thank you for voting us #1</title>
		<link>http://www.spencerinsurance.com/blog/thank-you-for-voting-us-1-4/</link>
		<comments>http://www.spencerinsurance.com/blog/thank-you-for-voting-us-1-4/#comments</comments>
		<pubDate>Tue, 04 May 2010 14:20:47 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[Value Added Services]]></category>
		<category><![CDATA[accident]]></category>
		<category><![CDATA[costly mistake]]></category>
		<category><![CDATA[driver education]]></category>
		<category><![CDATA[Insurance Institute of Highway Safety]]></category>
		<category><![CDATA[True costs of insurance]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=216</guid>
		<description><![CDATA[<p>Montgomery Media has just announced it winners of the 2010 Reader&#8217;s Choice Awards. Thank you for voting us #1 Insurance Agency and #1 Life Insurance Agent for the third straight year. We appreciate your confidence and Trust in our Agency. Please remember to refer your friends and family to our agency so they we can <a href="http://www.spencerinsurance.com/blog/thank-you-for-voting-us-1-4/#more-216" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fthank-you-for-voting-us-1-4%2F&amp;title=Thank%20you%20for%20voting%20us%20%231" id="wpa2a_34"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></description>
			<content:encoded><![CDATA[<p>Montgomery Media has just announced it winners of the 2010 Reader&#8217;s Choice Awards. Thank you for voting us #1 Insurance Agency and #1 Life Insurance Agent for the third straight year. We appreciate your confidence and Trust in our Agency. Please remember to refer your friends and family to our agency so they we can <a href="http://www.spencerinsurance.com/blog/thank-you-for-voting-us-1-4/#more-216" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fthank-you-for-voting-us-1-4%2F&amp;title=Thank%20you%20for%20voting%20us%20%231" id="wpa2a_36"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Do I have adequate coverage?</title>
		<link>http://www.spencerinsurance.com/blog/do-i-have-adequate-coverage/</link>
		<comments>http://www.spencerinsurance.com/blog/do-i-have-adequate-coverage/#comments</comments>
		<pubDate>Tue, 09 Mar 2010 16:14:49 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[Value Added Services]]></category>
		<category><![CDATA[costly mistake]]></category>
		<category><![CDATA[driver education]]></category>
		<category><![CDATA[drivers education]]></category>
		<category><![CDATA[protect your home]]></category>
		<category><![CDATA[safe teen driver]]></category>
		<category><![CDATA[Teen Driver]]></category>
		<category><![CDATA[Teen Driver Safety]]></category>
		<category><![CDATA[True costs of insurance]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=167</guid>
		<description><![CDATA[<p>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 <a href="http://www.spencerinsurance.com/blog/do-i-have-adequate-coverage/#more-167" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fdo-i-have-adequate-coverage%2F&amp;title=Do%20I%20have%20adequate%20coverage%3F" id="wpa2a_38"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></description>
			<content:encoded><![CDATA[<p>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 <a href="http://www.spencerinsurance.com/blog/do-i-have-adequate-coverage/#more-167" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fdo-i-have-adequate-coverage%2F&amp;title=Do%20I%20have%20adequate%20coverage%3F" id="wpa2a_40"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></content:encoded>
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