Payne & Garlow Insurance Agency, Inc
February 2011

American Heart Month

President's Day

Valentine's Day


Business of the Month

The Adkins Law Firm, PLLC, proudly opened its doors in August 2010 in Teays Valley, West Virginia. Having spent the previous 10 years practicing law with several large law firms in Charleston, Attorney David M. Adkins was pleased to go out on his own and open his office in the county where he lives. The Adkins Law Firm, PLLC, offers legal services in a variety of fields including: personal injury claims... <Read More>

Protect Your Valentine Diamond

LUCKY YOU, YOUR AMOROUS, JEWELRY-BUYING, DEAREST bought you a ring for Valentine's Day! No matter how unromantic it may sound, that means it's time to review your homeowners insurance. Most policies cap coverage for specific categories of possessions. For example, the limit for jewelry is usually about $1,000 (at $3,500, which is what the average engagement ring in the U.S. is worth, more than three times that much). To make sure... <Read More>


No Dropping - We Promise!

Many consumers today worry that their insurance companies will drop them if they have a claim. The Hartford's policyholders can rest easy, thanks to our new No-Drop Promise. We promise our personal auto policyholders that we'll continue to provide you with coverage even if you have claims as long as they pay their premiums, keep their license, don't have a DUI, and are medically capable of operating their car. Our No-Drop Promise is one of several... <Read More>

How To Buy Life Insurance - Simple steps
that can help you qualify for the best rates!

Life's big changes getting married, having kids, going off the school, give us lots to think about. The good news is that when it comes to buying life insurance that's right for your stage of life, we can make a seemingly complicated process... EASIER! The first step is helping you think about it. "People don't think twice about insuring their home and their car, but it's... <Read More>


OVERCOME THE TEMPTATION -
Don't Drive Distracted!

Do you text while driving? Or check your e-mail? It's tempting just to take a quick peek at a stop light, we know. But the data is mounting: driving distracted is serious and dangerous. Here are a few tips to help you overcome the temptation: Lock your phone or other personal electronic device in the glove compartment. Why fight temptation? Just put the source away. Let incoming calls go to voice mail while driving. <Read More>

Credit-Based Insurance Scores Explained

Many insurance companies use many factors to price your insurance. Including your driving record, your claims history, the type of home or vehicle you own, and your credit-based insurance score (CBIS). What is a CBIS and Why Does It Matter? Your CBIS is not the same as your personal credit score, nor is it a measure of your credit worthiness. The CBIS is a number that measures your likelihood of having an insurance claim. Studies have shown that... <Read More>


WE NOW OFFER AARP

50+ years old
CALL US TODAY
304-757-6880

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Payne & Garlow Insurance Agency, Inc