Beyond Passwords: Next-Level Cybersecurity with Select Source Insurance Group
Doug Stockman • April 9, 2024
With World Password Day right around the corner on May 2nd, it's a timely reminder that our digital lives are constantly under threat from cybercriminals. At Select Source Insurance Group, we believe that every day should be an opportunity to bolster your digital defenses, not just when the calendar prompts us. In this spirit, we're here to share some pivotal strategies and insights that go beyond the annual reminder to change your passwords. From embracing robust passphrase techniques to understanding the critical importance of regular software updates and the power of multi-factor authentication (MFA), our guide aims to fortify your online presence against the ever-evolving landscape of cyber threats.
Embrace the Power of Passphrases
Gone are the days of relying solely on complex, hard-to-remember passwords. Instead, we encourage you to leverage passphrases. What's a passphrase, you ask? It's a sequence of words or other text that is not only easier to remember but can also be much longer than the traditional password. This doesn't mean picking something predictable like "I love pizza," but something unique and meaningful to you that others couldn't easily guess.
But here’s a pro tip: don't get too comfortable. Implement a regular schedule for changing these passphrases, especially for accounts that hold sensitive information. It's like changing the locks on your doors periodically; you never know who might have found a spare key.
Double Down with Multi-Factor Authentication (MFA)
In an age where a password alone doesn't cut it, Multi-Factor Authentication (MFA) adds an essential layer of security. MFA requires not just something you know (like a passphrase) but also something you have (such as a code sent to your phone) or something you are (like a fingerprint scan).
However, not all MFA methods are created equal. While receiving a code via SMS is common, it's not the most secure method. Instead, consider using an authenticator app. These apps generate codes that are not only tougher for cybercriminals to intercept but also change every 30 seconds, making unauthorized access even harder.
Stay Updated to Stay Protected
Keeping your software up-to-date is like getting vaccinated to protect against the latest viruses – but in this case, it's your digital devices that need the protection. Cybercriminals love exploiting vulnerabilities in outdated software, so it’s crucial to keep your operating systems and applications current.
Enabling automatic updates can take the hassle out of remembering to check for new versions, ensuring your defenses are always as strong as possible.
Phishing: Don't Take the Bait
Last but certainly not least, be wary of phishing attempts. These are unsolicited emails or messages that may look legitimate but are designed to steal your personal information or infect your devices with malware. The rule of thumb here is simple: if you didn't expect it, inspect it. Be cautious about clicking on links or downloading attachments from unknown or suspicious sources.
As we celebrate World Password Day, let's commit to not only strengthening our own digital security but also encouraging those around us to do the same. At Select Source Insurance Group, we believe in empowering our clients and community with the knowledge to protect what matters most. Remember, in the digital world, your security is only as strong as your weakest link. Let's make sure that link is fortified.
Driving Smarter: Understanding South Carolina's New Hands-Free Law As your trusted independent insurance agency, we're committed to keeping you informed about important changes that impact your driving and, by extension, your insurance. South Carolina is taking a significant step towards safer roads with the new South Carolina Hands-Free and Distracted Driving Act, which goes into effect on September 1, 2025. This law is a crucial update to our state's distracted driving regulations, and it's essential for all drivers to understand its implications. What Does the New Law Prohibit? Beginning September 1, 2025, the new law prohibits drivers from using mobile electronic devices in the following ways while operating a motor vehicle on public roads: Holding or supporting a mobile device with any part of their body. This means no more holding your phone to your ear, resting it on your lap, or wedging it against your shoulder. Reading, composing, or transmitting texts, emails, app interactions, or website information on a mobile device. Watching any motion, including videos, movies, games, or video calls, on a mobile electronic device. It's important to note that this law applies to a broad range of "mobile electronic devices," including cellphones, portable computers, GPS receivers, and electronic games. Are There Any Exceptions? Yes, there are some specific exceptions where you can still use your device: When you are lawfully parked or stopped. When initiating a voice-based communication that is automatically converted to text, as long as you are not holding or supporting the device. When reporting an accident, emergency, or safety hazard to a public safety official. For navigation, listening to audio-based content, or obtaining traffic/road condition information, provided the device is not held or supported by your body. To initiate or end a cellular call without typing, and without holding or supporting the device. When using equipment or services installed by the original manufacturer of the vehicle. Penalties for Violations To allow drivers time to adjust, law enforcement officers will only issue warnings for violations during the first 180 days after the law goes into effect (from September 1, 2025). After this warning period, the penalties will be: First offense: A fine of $100. Second or subsequent offense (within three years): A fine of $200 and two points assessed against your driver's license. It's important to remember that officers can stop you if they have a clear and unobstructed view of you unlawfully using a mobile electronic device. While you cannot be arrested solely for a hands-free violation (unless you fail to appear in court or pay a fine), accumulating points on your license can impact your driving record and potentially your insurance rates. Why This Matters for Your Insurance Distracted driving is a leading cause of accidents. This new hands-free law aims to reduce those accidents, making our roads safer for everyone. For you, as a driver, adhering to this law is not just about avoiding fines and points; it's about reducing your risk of being involved in a collision. Fewer accidents can lead to: Lower insurance premiums: A clean driving record with no distracted driving violations can help keep your car insurance rates down. Avoiding claims: Preventing accidents means you won't have to go through the hassle of filing an insurance claim, dealing with repairs, or managing potential injuries. Protecting your deductibles: Each claim typically involves paying a deductible, so avoiding accidents saves you money out-of-pocket. As your independent insurance agency, we work with multiple carriers to find you the best coverage at the most competitive rates. By driving responsibly and complying with the new hands-free law, you're not only contributing to safer communities but also actively helping to protect your insurance standing. If you have any questions about how this new law might affect your specific insurance policy or if you'd like to review your current coverage, please don't hesitate to contact us. We're here to help you navigate these changes and ensure you're well-protected on the road.
South Carolina Teens will have to wait! Coming Soon: Stronger, Safer SC Driver's Licenses Are On The Way! As your trusted independent insurance agency in Spartanburg, we're always looking out for updates that impact our community. That's why we want to bring your attention to an important change coming to the South Carolina Department of Motor Vehicles (SCDMV) this fall: the rollout of more secure driver's licenses, beginner's permits, and identification cards. This isn't just a cosmetic update; it's a significant step forward in protecting South Carolinians from identity fraud and ensuring the integrity of our official identification documents. What's Changing and Why It Matters The SCDMV is modernizing the way licenses and ID cards are produced, incorporating advanced security features and upgraded materials. Here's a breakdown of what you can expect and why these changes are so beneficial: Enhanced Security Features: The new cards will be made from stronger materials and utilize state-of-the-art printing techniques, including laser engraving. This makes them significantly more resistant to counterfeiting, providing better protection against identity theft for you and a more reliable credential for law enforcement and businesses. Centralized Issuance: South Carolina is joining at least 45 other states and the District of Columbia in centralizing the production of all licenses, permits, and ID cards. This process enhances efficiency and allows for the inclusion of high-level security elements that weren't previously feasible. New Look, Familiar Symbols: While specific design details are still to be announced, the new cards will prominently feature iconic South Carolina symbols like the Palmetto Tree and the State House, making them both secure and a proud representation of our state. What Does This Mean for You? Good news! You do not need to take any immediate action. Your current South Carolina driver's license or identification card remains valid until its listed expiration date. However, here's what to keep in mind for new applications or renewals: In-Person Application, Mail Delivery: Beginning this fall, you will still apply for licenses or ID cards in person at SCDMV branches. You'll present your required documentation and complete any applicable testing. Temporary Certificate: Instead of walking out with your permanent card, you'll receive a temporary driving certificate or identification certificate. This temporary document will be valid for driving, voting, and other uses while you await your permanent card. Mail Delivery for Permanent Card: Your new, permanent, secure card will arrive by U.S. mail within 7-15 business days. Don't Wait Until the Last Minute: If your license is nearing expiration, the SCDMV encourages you not to wait until the very last day to renew. Since the new cards will be mailed, allow ample time for delivery. REAL ID Remains Important: While separate from this security upgrade, remember the importance of a REAL ID. As of May 7, 2025, a REAL ID compliant driver's license (indicated by a gold star) or another federally approved identification (like a valid U.S. Passport) is required to board domestic commercial flights or enter secure federal facilities. If you plan to fly or access federal buildings, ensure your current license is REAL ID compliant or plan to obtain one during your next renewal. We believe these advancements from the SCDMV are a positive step for all South Carolinians. A more secure driver's license helps protect your personal information and provides greater peace of mind in our increasingly digital world. As always, if you have any questions about how these changes might impact your insurance needs, or if you need assistance with any of your personal or business insurance policies, don't hesitate to contact us. We're here to help you navigate these updates and ensure you're always well-protected. More information here: South Carolina DMV - Roll Out
TL;DR: Shop around for car insurance quotes! Factors like your driving record, car, location, age, and coverage choices affect the price. Independent agencies like us compare multiple insurers to find you the best rates and discounts, saving you time and money. Contact us for a free quote! Getting the Best Bang for Your Buck: A Guide to Car Insurance Quotes In today's fast-paced world, getting from point A to point B often relies on our trusty vehicles. But with the freedom of the open road comes the responsibility of protecting yourself, your passengers, and your investment. That's where car insurance comes in, and understanding car insurance quotes is your first step toward smart protection. As an independent insurance agency, we're here to demystify the process and help you navigate the world of car insurance with confidence. Forget the one-size-fits-all approach; we believe in finding the right fit for you. What Exactly is a Car Insurance Quote? Think of a car insurance quote as an estimated price for your auto insurance policy. It's a snapshot of what an insurance company believes it would cost to cover your specific needs, based on the information you provide. This estimate takes into account a variety of factors to assess the level of risk associated with insuring you and your vehicle. What Factors Influence Your Car Insurance Quote? It's not just about the car you drive! Insurance companies consider a wide range of elements when generating your quote. Here are some of the key players: Your Driving Record: This is arguably the most significant factor. A clean record with no accidents or traffic violations typically translates to lower rates. Conversely, a history of tickets or accidents will likely increase your premium. Your Vehicle: The make, model, year, and even safety features of your car play a role. More expensive cars to repair or replace, or those with a higher theft rate, often have higher premiums. Your Location: Where you live and primarily park your car matters. Urban areas with higher traffic density, crime rates, or a greater likelihood of natural disasters can lead to higher rates than rural areas. Your Age and Gender: Statistically, younger, less experienced drivers (especially those under 25) typically face higher premiums. While less impactful in some states, gender can also be a factor. Your Marital Status: Married individuals often receive lower rates, as statistics suggest they are less likely to file claims. Your Credit History (in most states): Many insurers use a credit-based insurance score to assess risk. A higher score generally indicates a lower risk, potentially leading to better rates. Annual Mileage: The more you drive, the higher your risk of an accident, which can impact your premium. Coverage Levels and Deductibles: This is a big one! The types of coverage you choose (e.g., liability, collision, comprehensive) and the deductible amounts you select directly affect your premium. Higher deductibles (the amount you pay out-of-pocket before insurance kicks in) usually result in lower premiums. Discounts: Don't overlook the power of discounts! Many insurers offer savings for things like bundling policies (home and auto), safe driving, good student status, low mileage, vehicle safety features, and more. Why Getting Multiple Quotes Matters (and How We Help!) You wouldn't buy the first car you see, would you? The same principle applies to car insurance. Every insurance company has its own unique way of calculating rates and assessing risk. What one insurer considers a higher risk, another might view differently. This means that even with the exact same information, you could receive vastly different quotes from various providers. This is where the value of an independent insurance agency truly shines. Unlike captive agents who only represent one insurance company, we partner with a wide array of top-rated carriers. This allows us to: Shop Around for You: We do the legwork, comparing quotes from multiple insurers to find the most competitive rates and comprehensive coverage that aligns with your specific needs. So you don't have to deal with the several agents at once. Provide Unbiased Advice: Our loyalty is to you, not a single insurance company. We offer impartial recommendations and help you understand the nuances of each policy option. Identify Potential Discounts: We know the ins and outs of various insurer discounts and can help you uncover savings you might miss on your own. Simplify the Process: Navigating the world of insurance can be complex. We break down the jargon, explain coverage options clearly, and guide you through every step. Be Your Advocate: Should you ever need to file a claim, we're here to assist and advocate on your behalf, ensuring a smooth and efficient process. Ready to Get Your Car Insurance Quote? Don't settle for the first quote you receive. Take a few moments to gather some basic information (driver's license details, vehicle information including VIN, and your driving history) and reach out to us. We'll help you explore your options, compare quotes side-by-side, and ultimately secure the best car insurance policy to protect you and your ride. Contact us today for a free, no-obligation car insurance quote! Select Source Insurance Auto Quote Let's get you on the road with peace of mind.