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Jeff Gottesman - State Farm Insurance Agent

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Tired of your car insurance company? Here are 6 reasons to leave them: (

Let's face it, sometimes, you need to make a switch. Even if you are pretty happy where you are at, it can't hurt to check out the competition's rates every once in awhile. If you do find a better rate, let your insurer know and see if he or she can match it.

Of course, the price is not the only consideration you should be going by. It is equally important that you choose a company that meets your needs and has your back.

With that said, here are some reasons to leave your car insurance company:

1. Your rates increase (and it’s not your fault).
2. Your insurance agent is inflexible about your policy; and/or a member of the company is rude to you.
3. You notice changes to your monthly bill that you weren’t informed about.

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And, of course, if you are in the Philadelphia area, we hope you will switch to us!

About Jeff Gottesman
My vision is to provide prompt, fair, cost effective coverage to all of our Philadelphia area customers. In addition, we strive for timely, friendly service conducted in a comfortable atmosphere and to be your best choice for all your insurance and financial service needs. We pride ourselves in the handling of your auto insurance, homeowners insurance, renters insurance, and all other financial services needs. If you want a fair quote on car insurance, be sure to contact us:

#carinsurance #insurance #Philadelphia #PA
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Friends don't let friends drive drunk

Everyone has been there...they ride with a friend to a Philadelphia party, and the friend gets drunk. Suddenly, you've got to figure out whether your friend really is sober enough to drive. The legal definition of sobriety is a BAC of 0.08% in Philadelphia, but most people don't have a breathalyzer.

Here are some signs your friend is too drunk to drive:

* Slurred speech
* Inability to balance
* Slowed reaction time

These are pretty easy to spot, and you'll immediately need to figure something else out. If you're still not sure, try these steps:

* Take your friend into a room and have a short conversation. If they talk faster and louder than normal, then there is a good chance that they are too drunk to drive.
* Ask what the most recent convo the two of you had was about. If they can’t remember this could be a sign of too much drinking. Bad short-term memory indicates an inability to concentrate, another sign of inebriation.
* Have them say the alphabet, touch their nose with their finger, and walk a straight line (typical sobriety tests.) Failing any of these tests could mean that your friend isn’t ready to drive.

Also take advantage of your smartphone. Here are some app suggestions:

* Back Track
* DUI kNOw
* Driving simulator apps

Your car insurance can go up if you're involved in an accident. Make sure you have full coverage (especially if your friend is driving your car) by getting a quote today!

#Philadelphia #Drinking #Partying #CarInsurance
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10,000 carbon monoxide illnesses are reported each year

Carbon monoxide is a serious issue, especially coming from your natural gas furnace. While we're on the edge of summer, we've had some cold spring days that might require you to turn the heat on. Many people pass over CO alarms as unnecessary or don't check to make sure that the batteries are up-to-date.

However, here are some effects of carbon monoxide poisoning:

* Lightheadedness
* Confusion
* Headache
* Feeling like the world is spinning
* Flu-like feelings

Longer term effects include:

* Depression
* Confusion
* Memory loss
* Increased heart rate
* Seizures
* Hallucinations
* Respiratory arrest
* Low blood pressure
* Strange gait
* Psychosis
* Speech disturbances

The problem with this kind of poisoning is that the issues arise from low levels of carbon monoxide over a long period of time, as well as with acute poisoning in the short term. There can be delayed results in illness, and there are so many symptoms, it can be hard to diagnose if you don't have a monitor.

You can protect yourself from carbon monoxide poisoning for less than $200

Carbon monoxide monitors are less than $50. If you need a home insurance quote, contact us today!

#Philadelphia #furnace #Carbonmonoxide
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Getting the most out of your Philly thermostat

If you're a member of the average household, you probably spend $2,000 a year on energy bills, and $1,000 of that is keeping your house cool in the summer, or warm in the winter. You could probably save $200 of that by programming your thermostat.

Digital thermostats are in most new homes, and if you don't have one, ou might consider upgrading. They don't just look nicer; they can save you money and energy as well.

Take the time to set it. Lower or raise your temperature for when everyone is doesn't need to be a comfortable temperature if no one is around to enjoy it.

Plan your programming. If you override your programmed temperature, then you're wasting time and money. It's useful to set it and forget it. If you raise or lower your temperature in an extreme way, then it won't cool your home faster, it'll just make your HVAC system work harder.

Check your batteries. Not all thermostats alert you when the batteries are dying.

Check your manual. There's usually online manuals if you lost yours, but it will tell you the optimal times to set your thermostat, and how to do it.

If you're in Philadelphia, there are lots of ways to save money with your thermostat (and your home insurance). Contact us today!

#Philadelphia #Thermostat #Temperature
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Reduce your allergy symptoms by getting rid of dust in your home

It's springtime in Philadelphia, which means all of the pollen is in the air. You're probably suffering pretty bad from allergies if you're one of the millions that are affected by seasonal allergies. However, while you might feel safe in your home from the evil budding trees, the EPA has shown that indoor air can be 2-5 more polluted that outdoor air.

That's significant when you spend up to 90% of your time indoors. So what can you do about it?

1. Dusting and vacuuming
Make sure you dust before your vacuum, and use a vacuum with a HEPA filter, so you make sure to get the tiniest of dust mites.

2. Humidity and temperature control
If you have a humid environment, you'll end up with mold, which will aggravate your allergy symptoms even more. If you get a humidifier that integrates with your HVAC system, then you'll be able to keep your humidity at 25-35%.

3. Clean your bedding and furniture
Your bedding and curtains accumulate dust, too. If you have stuffed animals, make sure to put them in a bag, and put them through the washer. Clean your curtains regularly, as well as your bedding.

4. Air filters
Get specialized HEPA air filters for your home.

5. Ducts
Your ducts can accumulate 40 lbs of dust and dirt each year. Make sure you get regular duct cleaning if you suffer from allergies.

Make sure your home is taken care of in all ways by getting a home insurance quote!

#Allergies #Philadelphia #Philly #Cleaning
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Cigarettes start fires in your home

It's no secret that smoking cigarettes is really, really unhealthy for you. Rather than go into the damage it can cause to your body, we'll discuss the damage it can cause to your home.

Here are some smoking-related fire stats for you:

* There were an estimated 90,000 smoking-material fires in the United States in 2011. These fires caused 540 civilian deaths, 1,640 civilian injuries and $621 million in direct property damage.
* One out of four fatal victims of smoking-material fires is not the smoker whose cigarette started the fire.
* Most deaths result from fires that started in bedrooms (40%), or in living rooms, family rooms or dens (35%).
* Nearly half (46%) fatal home smoking-material fire victims were age 65 or older.
* In 2011, 17,600 smoking-material home structure fires caused 490 civilian deaths, 1,370 civilian injuries and $516 million in direct property damage.

Smoking-related fires are defined as carrying lighted pipes, cigars, cigarettes, tobacco, or any other lighted type of smoking substance through an area. Building owners are required to post "No smoking" signs in areas where the smoke could be a hazard, and the signs have to have clear lettering.

If you're a smoker or you have a smoker in your house, then you need to have the best home insurance in Philadelphia. Contact us today!

#Smoking #NoSmoking #Philadelphia #homeinsurance
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We hope you had a memorable Memorial Day!

#MemorialDay #MemorialDay2017
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Don't drive while distracted in Philadelphia (

You've probably heard this a thousand times, but distracted driving is bad. However, what actually qualifies as distracted driving? There are quite a few things that could be considered distracted, like playing with the radio, that are unclear whether that qualifies.

Here is a list of ways to avoid car crashes:

1. Texting and driving
This is the most common one, by far. It's illegal in most states now.
2. Grooming
Many people put on makeup, brush hair, or shave when they're pressed for time.
3. Eating and drinking
Remember that McDonald's case with the hot cup of coffee? What if that coffee spills into your lap while you're driving?
4. Rubbernecking
Stopping to see an accident is a great way to cause another accident.
5. Blasting music
Of course listening to the radio is completely fine. But don't listen to music at an extremely high volume, or you'll miss emergency sirens.
6. Entertainment systems
Watching videos and playing video games in the car is distracting.
7. Daydreaming
Highway monotony is a real thing.
8. Drowsy driving
37% of Americans have fallen asleep at the wheel. Don't be one of those statistics.

#Driving #Sleeping #DistractedDriving #DrunkDriving
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Boating Safety Tips (

It's approaching summer, so it's highly likely that there will be some boaters out here in the Philadelphia area. Maybe you like fishing in the Delaware River or going down to Boathouse Row. One way or another, why not enjoy the beautiful weather?

However, there are some boating safety tips you should know:

1. Always wear a life jacket
While it may not be "cool," it's estimated that life jackets could've saved 80% of boating fatality victims.
2. Don't get struck by the propeller
Assign someone to have the emergency cut off switch, and to watch the propeller at all times.
3. Carry safety equipment
This includes life jackets, first aid kits, tool kits, horns/noisemakers, radio, and a fire extinguisher.
4. Make a float plan
5. Don't boat under the influence
Alcohol plays a role in about 1/3 of boating fatalities.
6. Prevent CO poisoning
Alarms are your friend.
7. Brush up on boating safety basics
8. Get a free vessel check
The USCG will come check out your boat anytime, and it is consequence free.

If you keep your boat at your home, you need to make sure you have the best home insurance in Philadelphia possible. Contact us today!

#Boating #Accidents #Boat #Homeinsurance #Philadelphia
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Choosing a Philadelphia Car Wisely (

Did you know car dealers are the second leading area for which customers complain after home improvement contractors?

Here are some things to remember when buying a car:

It's negotiable - Car dealers are always trying to sell extra things, and the prices of all are negotiable.

Avoid answering how much you can pay/month - This will put you in a tough spot, as you won't be able to go up from there.

Find out what the MSRP (manufacturer’s suggested retail price) is on the vehicle you want. Sources such as Kelly Blue Book can help you determine what a used vehicle might be worth.

Read everything you sign - Sometimes second-rate car dealerships like to slip weird clauses in there.

Get an insurance quote: - Sometimes the insurance cost can be more than the car payment if you're looking for a luxury or a sports vehicle. Luckily for you, you can easily obtain a Philadelphia auto insurance quote today! (

When is the last time you bought a car? It's important to educate yourself beforehand and be confident going into it. Don't be afraid to walk away if the salesman won't negotiate.

#Philadelphia #Car #CarInsurance
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