Sean Flynn

Graduation season is winding down, and as a recent graduate, you may be considering moving out on your own. When it is time for us to leave our parents house, most of us choose to rent rather than buy. Whether you choose an apartment, condo, or any kind of rental home, it is important to make sure that you are protected. If something gets stolen from your place, and you think that your landlord will cover it- guess again. Landlord's policies almost never insure their renter's actual possessions. The only way to truly make sure that you, and your hard-earned possessions will be taken care of is to invest in a renters policy.

If anything should happen in the home you are renting, a renters policy will defray costs associated with damages. Although your landlord probably has coverage for the building that they own, that coverage does not extend to your personal property. No one is invincible. Theft and accidents can happen to anyone. You are the only one who is responsible for protecting your assets.

If you are currently renting, and don't have renters insurance, you should start looking for a policy today. W.T. Flynn Insurance can help you shop for your new policy, and can search the country to find you a great rate. Visit our Virtual Insurance Office today to learn more about your options, and to get a free online renters insurance quote.

Massachusetts gas prices are beginning to climb again, bringing back memories of when prices waivered around $4.00 per gallon earlier in the year. Increases earlier in the week of a nickel or so pushed prices above $2.00 a gallon.

The continually rising gas prices, coupled with our current economic woes, are reawaking the need for Americans to conserve their energy. When gas was really expensive earlier in the year, many opted to walk or rely on public transportation to keep their costs low. Additionally, interest in hybrid cars boomed when gas prices were high, spurring many to think twice about hopping in their gas guzzling SUVs.

There are a variety of things you can do to cut down your car costs. Keeping up with routine maintenance like oil changes and tire rotations will help stop the effects of normal wear and tear. Keeping your tires properly inflated will also help your car run stronger for longer- and use less gas.

You may already know of the above tips to cut down your car costs- but did you know that it may be possible for you to save money on your auto insurance as well? If you have shopped around for a new policy in a while, you may be missing out. And if you feel like you don't have time to shop around for a new policy, consider contacting an independent agent. An independent agency, like WT. Flynn Insurance, can shop the top carriers in the country to save you money. Visit their Virtual Insurance Office right now to learn more about your Massachusetts Auto Insurance options or get a free online quote.

Now that the President has been in office for 100 days, and has started to implement his policies, it’s time to look ahead. We know that President Obama has urged the American people to consider renewable energy sources- but how does our President plan to move Americans toward hybrid cars and alternative fuel sources for vehicles.

Even before President Obama was elected and the Democrats took control of the House and Senate, the move toward plug-in hybrid vehicles and green energy was a bi-partisan plan agreed upon by the majority of both parties. In October of 2008, the $700 million bailout plan passed the Senate, and included a tax credit for plug-in hybrid electric vehicles. To further push hybrid power and to lead by example, President Obama is planning to convert the entire White House fleet of cars to plug-in hybrids.

President Obama has long been a proponent of plug-in hybrids. In 2007, the former Senator, along with his colleagues, introduced a bill which urged for the use and development of plug-in hybrid cars and other electric vehicles. Obama wants 1 million hybrid cars on the road by 2015, and has plans to increase the fuel economy of vehicles by 4 percent each year. He is also intends on increasing the tax credits issued to hybrid drivers and pushing domestic auto producers like Ford and GM to focus on hybrid energy. Eventually, our President would like hybrid vehicles to achieve 150 miles a gallon and wants to offer those Americans who purchase them a $7000 tax credit.

With the state of the economy, the emergence of a possible pandemic, and the threat of terrorism, renewable energy seems to have been pushed to the backburner. But, based on the eve of President Obama’s hundredth day in office on April 29, 2009, he made it clear that renewable energy is still of huge importance to him and this country:

” And so, you know, we've got to strike a balance. I don't want to be -- I'm not an auto engineer. I don't know how to create an affordable, well-designed plug-in hybrid. But I know that, if the Japanese can design an affordable, well-designed hybrid, then, doggone it, the American people should be able to do the same… I just want to help them get there.”

If you have recently purchased a hybrid car, you should take the necessary steps to properly insure it. WT Flynn is an independent insurance agency serving Massachusetts who would be happy to tell you about your options. You can visit our Virtual Insurance Office right now to learn more, or to get a free Massachusetts auto insurance quote.

So how can I save money?

It’s a common question these days- with people having more expenses than their incomes can satisfy. A good place to look when you are looking to save money is at your auto insurance. Before thinking about slashing your coverage to pieces, there are other ways you can cut back. Although you don't want to eliminate the protection you have with uninsured/underinsured motorist and comprehensive or collision coverage unless there's no choice, you still have options.

A few simple tips on how to remain protected but save:

• Make sure you're getting all of the discounts you're eligible for- but don’t slash your policy limits. It is too risky to completely cut your auto policy down to the bare minimum.
• Compare auto insurance rates from other companies to see if you're paying more than you have to for the same coverage. Rates can vary considerably from one company to the next, so investing a little time in comparing quotes might pay big dividends in savings.
• Insure your car against damage, even if you have to increase the deductibles. Unless you can afford to pay cash to replace your car, try to keep it insured for comprehensive and collision. Comprehensive in particular is relatively inexpensive, especially if you have an older car model.
• Always buy Uninsured/Underinsured Motorists coverage. With more uninsured drivers on the road, this type of coverage gives you low-cost protection from unnecessary risk.

As you research your auto insurance options, stop by WT Flynn Insurance’s Virtual Insurance Office at www.wtflynn.com. At our site, you can learn more about our insurance products, and get a free, online, auto insurance quote.

Divorce rates rise every year. With nearly half of all marriages failing, divorce is an unfortunate- but very real- event in many people’s lives. When a divorce happens, couples face the troubling task of separating both emotionally and financially. Legal and financial advice will be critical to divorcing couples- especially ones with children. Additionally, divorce can also have a significant impact on your credit, especially if you will be dividing shared debt or have expenses when starting over on your own. Paying close attention to your finances and credit will pay off hugely when you are trying to make a fresh start.

Often, when discussing and dividing finances, a jointly owned vehicle may play a role in the conversation. When a couple decides who will be keeping the car, a change in insurance will need to happen. With a change of insurance, the new sole owner will have to let the insurance company know of other changes, including a change in address, who will be driving the car, and any type or amount of driving that will be done. A change in the aforementioned details could have a large impact on your insurance premium. If a member of the former couple needs to purchase a new car, a new insurance policy will have to be purchased to cover it in order for the car to get registered.

Although divorce is an extremely difficult time, getting your auto insurance in order will help to save you from some of your heartache. If you’re searching for auto insurance advice, or are in the market for a new policy, take a look into W.T. Flynn Insurance. With our Virtual Insurance Office, W.T. Flynn Insurance can walk you through the insurance shopping process and answer any questions or concerns that you may have. Visit our site at www.wtflynn.com or call us at 1.800.763.8039 to learn about your coverage options, or to get a free quote on auto insurance.