Quick Tips from Your Insurance Specialists

Real or Fake: Pros and Cons of Holiday Tree Choices
It's a topic of growing debate: natural or artificial Christmas trees? Everybody has an opinion! On one side you have the great pine smell. On the other side you have the increased fire danger. You may already have your mind made up about what type of tree you want, but if not, here's a list of the topics to consider before you purchase your tree.
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Not to Miss Family Activities for Winter Fun
The year's first snowfall ushers in a season of exciting and enjoyable activities for the whole family. Most TV and magazine ads feature young adults enjoying a challenging mountain ski course, but you don't have to be young or on skis to have fun in the snow. Winter offers a wealth of opportunities for family togetherness. Here's a list of some snow activities that are great for any age.
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First Christmas Away From Home: Advice for Newlyweds
Over the next few weeks, newlyweds everywhere will be forced to deal with the holidays - and the emotional issues and encounters that come with them. The bride and groom may find their heads spinning over where to spend Thanksgiving, Christmas or Hanukah. The problems get worse when one or more parents live out-of-town or have significantly different holiday traditions. Here are some quick tips for managing the season's activities together.
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How can a DUI impact my car insurance?

A DUI can really go a lot of different ways. In a worst-case scenario, your insurance policy may be cancelled or put in a "non-renew" category. This might happen because with a DUI, you are in a much higher risk category. If you were in a preferred driver category before the incident, you might be dropped to a standard or sub-standard category.

Higher Rates
In most cases, your insurance rates will increase significantly because, remember, you are now in a high risk category. Each state handles this a little differently, so it's best to check with a local agent who knows the laws in your area. In some states, a DUI conviction can stay on your driving record for as long as seven years so expect your rates to be high for quite a while.
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