Make Recycling and Reducing Routine

Make reduce, reuse and recycle at part of your routine.

recycle

 “Reduce, reuse, recycle.” Most likely, you’ve heard that catchy phrase connected with information about saving natural resources and even saving your family money. But how many of us really make reducing, reusing and recycling a part of our everyday life?

At Brown & Brown Insurance, we’re happy to say that we try to do our part to protect our environment and use our resources wisely. And we’re hoping you’ll take the time – if you’re not already – to make reduce, reuse and recycle part of your daily routine. Depending on where you’re starting from, it may take a change in mindset, or maybe just a little more dedication. But these tips from the Environmental Protection Agency can help.

Reducing and reusing

  • Look for products that use less packaging. Companies use less raw material when they use less packaging, reducing waste and cost. This means that you can save money while helping to protect the environment. A great example (though it sounds at odds with “reduce”) is buying items in bulk.
  • Avoid disposable items. Take your own travel mug to the coffee shop, for instance, or bring real silverware to work for lunches, instead of using plastic.
  • Let technology help. New compact fluorescent light bulbs use far less energy than standard bulbs, and low-flow shower heads, coupled with aerators, can reduce your water use without you even noticing.
  • Invest in maintenance. When properly maintained, many items, such as appliances and clothing, won’t need to be replaced as frequently.
  • Don’t buy limited-use items. If you need something that you won’t use more than once or twice, such as a power tool, see if you can borrow or rent instead of buying.
  • Donate! When you’re done with an item, if it’s in good shape, consider donating it to a charitable organization that will sell it or continue using it. You just might get a tax deduction, too! And don’t forget, you can always buy used items as well.

 Recycling

Recycling isn’t just about putting your cans, bottles and newspapers into a bin, although that plays a big part. Here are some other things to consider.

  • Electronic waste: TVs, computers, cell phones a
    nd other electronics should not go into landfills. Many companies offer options now for proper disposal at little to no cost. Even printer ink cartridges can be recycled.
  • Food waste: In many communities, food scraps and waste are collected along with yard waste and used for composting.
  • Restaurants and grocery stores: Some establishments are beginning to offer separate bins for recyclable materials and food waste. Be sure to use these when available, and if your favorite place doesn’t offer this option, ask about it!

Though your actions may seem small, they do make a difference in the Albuquerque community — and the world. And when they’re combined with the efforts of millions of others, the impact is even bigger than you can imagine!

Contact Us!

At Brown & Brown Insurance, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 505 821 5888 or send us a note at info@bbnm.com. We want to help you meet your goals, and make sure what’s important to you is protected!

 

Content provided by Safeco Insurance

Saving Money on Your Personal Insurance

Saving Money on Your Personal Insurance
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In today’s unsettled economy, many people are looking for ways to stretch their money—but sometimes this includes altering insurance  coverages to dangerously low levels or eliminating coverage entirely. If you’re thinking about changing your coverage to save money, consider these key issues below — and give us a call. We can help make sure you’ve got the right protection at a price you can afford.

 

  • Make sure you’re getting the appropriate discounts and credits: Most insurers offer a variety of policy credits and account discounts that can translate into significant savings — without endangering the level of protection you need for your home, autos and other valuable property. And often, if you purchase multiple policies through the same insurance company, you’ll receive further discounts. People who own motorcycles or boats and who complete approved safety courses can qualify for discounts, and families with teen drivers who earn good grades in school may qualify for auto policy discounts.
  • Increase deductibles for cost savings: Only a small percentage of homeowners have claims in any given year, so you might consider increasing your deductible.
  • Specialty lines coverage options: Own a classic car or RV?  If their use is seasonal, you can typically reduce your coverage to liability only during the off-season, then add full coverage only when you are actually using the vehicle
  • Full payment on policy: Depending on your financial circumstances, you may be able to make lump-sum payments instead of partial premium payments, such as monthly or quarterly. Partial payments often include small transaction fees, so paying the full amount can eliminate those extra costs.

 

Some decisions to avoid
It is just as important to understand what not to do as you look for cost savings. Here are some scenarios you should avoid:

 

  • It may be unwise to carry only the minimum state-required amount of uninsured/underinsured motorist coverage on auto policies, or to cancel it entirely if it is not required in your state: According to the Insurance Research Council (IRC)*, the correlation between the percentage of uninsured motorists and the unemployment rate is high — when the economy is struggling, more people go without insurance. You want to make sure you’re protected in this instance.
  • Ignoring renters insurance: This coverage is often overlooked no matter what shape the economy is in. Landlords’ policies generally only cover the structure, not the individual renters’ contents. Imagine having to replace furniture, clothing and other personal property out of pocket because you excluded this essential, affordable coverage and then suffered a devastating loss from a burglary or other covered event.

 

Saving money is important, but so is making sure that what you’ve got is protected. If you’re looking for ways to save, or want to review your coverages, give us a call!

 

*Insurance Research Council, January 21, 2009

 

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