Learn 3 Simple Tips To Protect Your Children From The Danagers of ID Theft

10.2% of children found to be victims of identity theft


Few people tend to think of protecting their children when it comes to identity theft. At Debix, we see the impact of child identity theft on a daily basis, and recently worked with Carnegie Mellon CyLab to explore the topic further. Earlier this month, we released the largest report to date on Child Identity Theft. The report found that 10.2% of children had their Social Security number being used by someone else. The number of affected children was 51 times higher than the 0.2% adult identity theft rate observed in the same population.

Tips to Protect Your Children from Identity Theft

Watch for mail in your child's name: If you begin receiving pre-approved credit cards or other unsolicited financial offers in your child's name, it is an indicator that your child may have an open credit file.

Discuss online safety: Talk to your child about the dangers of sharing personal data online. Children surfing the web are particularly vulnerable to exposing personal information in chat rooms or on social networking sites. Make sure they understand the importance of keeping private data private.

Don't make your child susceptible to "friendly" identity theft: Don't ever use your child's name to open utility or other credit accounts. Protect your child's personal information by keeping it locked up in your home where visitors cannot access it.

To learn more about protecting your child please research more about Identity Theft companies that can properly ensure you and your family's safety.

Your Homeowners / Condo / Renters insurance policy Can Also Provide an Additional Layer of Protection With an endorsement for Identity Theft.  Please Contact Jason Shroot At Diversified Insurance For More Information.  Please Call 714-988-3325 or Email at Jason@diversifiedinsurancequotes.com

Rising Male Unemployment Increases Need for Women to Buy Life Insurance

Rising Male Unemployment Increases Need for Women to Buy Life Insurance

As the recession drags on and layoffs continue, men now outnumber women on the unemployment line, according to the latest numbers from the Bureau of Labor Statistics.

The national unemployment rate for men is 9.8 percent; for women, it's 8.0 percent.
The reasons for the shift are clear. Men represent the majority of workers in the construction and manufacturing industries that have been hit hardest during the recession. Conversely, women dominate the health care and education sectors, which expanded nearly 3 percent in 2008.

Fewer Women Invest in Life Insurance

While women may be gaining ground in the labor force, they remain a distant second when it comes to protecting their loved ones with life insurance coverage.
Studies show that approximately one-third of women have no life insurance policy, and two-thirds of insured women from two-income households feel the life insurance coverage they do carry is inadequate.

Some Women Don't Realize the Value of Their Contributions

Even as some women serve as the primary breadwinner, most women feel they don't need coverage. Instead, they rely on the male's insurance policy, failing to realize that most two-income households rely on both incomes to make ends meet.

"Today, the traditional family model of husband as breadwinner and wife as homemaker holds only for a very small proportion of couples," said Mahshid Jalilvand, a professor of economics for the University of Wisconsin, in a report from the Bureau of Labor Statistics. "Dual-earner families are a major and growing segment of the labor force."

According to data from the Insurance Information Institute, a non-smoking 40-year-old female with a $500,000, 20-year term life insurance policy can expect to pay between $25 and $50 per month for coverage--a small price to pay to secure a family's economic future.

When dealing in dollars and cents, gender is irrelevant. Male or female, full-time employee or stay-at-home parent, if someone relies on you financially, life insurance is a must-have.

For a Life Insurance Quote Please Call Jason Shroot at 714-988-3325

Stop Paying Too Much for Your Auto Insurance

Stop Paying Too Much for Car Insurance: 5 Common Mistakes You Can Easily Avoid

Reviewing your car insurance policy probably isn't at the top of your to-do list. But how about saving money? Take a look at these 5 common mistakes most drivers make when insuring their vehicles—you might be surprised at how easy they are to avoid and how much money you could save every month.

Mistake #1: Keeping Your Car Insurance Deductible Too Low

Simply put, the lower your deductible, the higher your auto insurance rates. Consider raising your deductible from $250 to $500 or even $1,000. The cost of an accident will be that much more expensive, but you could save up to 40% on the comprehensive and collision portion of your policy.

Mistake #2: Not Combining Your Car and Home or Renters Policy with the Same Insurer

With a multi-line insurance policy, you purchase both your auto and homeowners or renters insurance from the same carrier. According to the Insurance Information Institute, a multi-line policy can save you up to 15% on both premiums.

Mistake #3: Not Taking Advantage of Discounts

Most insurance companies provide discounts for a variety of things, including:

•Having a good driving record
•Being a long-time customer (loyalty discount)
•Driving a vehicle with specific safety features (e.g. Vehicle Stability Control (VSC))

•Driving a vehicle with specific security features (e.g. audible alarm, Lojack)

•Driving a low number of miles per year

It's up to you to make sure you're getting all the discounts you're eligible for, so make sure you ask your company or agent.

Mistake #4: Paying Your Car Insurance Premium in Installments

Extra "convenience" fees are often applied to payments when you split your premium into installments (e.g. monthly, quarterly, etc.). A monthly fee of even $7 can add up to almost $100 a year! So if you can afford it, pay your premium in one lump sum.

Mistake #5: Not Shopping Around for Car Insurance Once a Year

If you don't shop around for coverage at least once a year, you simply won't know if you're getting a good deal.  According to an independent study, drivers who compare rates and switch carriers at Diversified Insurance Services save an average of $301* on a six-month policy.


Compare Your Personal / Commerical Auto Insurance For Free & Find Out How Much You Can $ave With Jason Shroot By Calling Today At 714-988-3325.

California Prop 17 Debate Heating Up

California Prop 17 Debate Heating Up

The debate over the California car insurance "loyalty discount portability" initiative is heating up. But what in the heck does "loyalty discount portability" mean? And why should you care?

Basically, the "loyalty discount portability" that Proposition 17 would provide just means that car insurance companies in California will be able to give drivers a discount for having continuous coverage, no matter what company that coverage was with. Right now, only your current company can offer you a discount for having continuous coverage with them.

Proponents argue that this will make the market more competitive and potentially drive down car insurance rates for drivers who have maintained coverage. Opponents argue that by rolling back some of the protections in Proposition 103--passed in 1988--car insurance companies will be able to raise rates for drivers who have not had continuous coverage, such as military personnel serving out of state.

Who should you believe? It's difficult to say--most insurance industry types are supporting the measure, while many consumer groups are coming out against it.

My sense is, if you're one of the tens of millions of California drivers who have maintained continuous coverage over the years, you may very well come out ahead and have more affordable options to consider. If you haven't had continuous coverage, the jury is probably still out.

For Questions & Quotes On Your AUTO Coverages Contact Jason @ 714-988-3325

Driving Strategies - 3 Steps To Eliminate Blind Spots

Driving Strategies - 3 Steps To Eliminate Blind Spots

For many cars and trucks, you can eliminate all blind spots by strategically angling your mirrors.  Most people set their side-mirrors so that they can see the side of their own car and well behind the vehicle. 

This poses a number of problems and creates redundancy.  First off, your rearview mirror is for seeing behind your vehicle. Your side-views should be set to see the side of your vehicle. 

Here's how you do it:

1.  Sit in your seat comfortably and adjust your seat to suit your normal driving style.

2. Adjust your side-view mirrors WIDE- just wide enough so that if you lean your head almost to the glass of your drivers side window, you can barely see the side of your car. Same for the passenger side if you lean toward the middle, you should barely see the side of your car in the left portion of the mirror. This will make your field-of-view much wider so that in normal seated position, you can see much more near the rear-sides of your vehicle than ever before.

3.  Practice 'tracking' vehicles on the highway so that they never leave your field of view. Do this by letting vehicles on either side of yours pass you, you can see them coming up in your rear view mirror, pass into your side-view and before they leave your side view mirror, you can see them clearly out your front passenger windows. 

CONGRATULATIONS!  You just eliminated all blind spots around your vehicle and will be more confident when changing lanes!  Now To Save Money On You AUTO Insurance Just As Easily Please Call Jason Shroot @ 714-988-3325 or please visit us @ www.diversifiedinsurancequotes.com