Progressive: How Snapshot® Works - Save up to 30% - 30 Day Free Trial

We will even install it for you. Just stop by when you get it and we will put it in your vehicle/vehicles for you.

How Snapshot® Works

Plug a little device into your car and within 30 days, you could save up to 30% extra!

The better you drive, the more you save with Snapshot, our revolutionary usage-based insurance program. Sign up today during your auto quote, and we'll send you everything you need to start saving.
Plug in.
The Snapshot device plugs easily into your car's diagnostic port (usually below the steering column) and automatically keeps track of your good driving.

Drive like you usually do for 30 days and go online to see your projected savings, as well as:
  • how often you slam on the brakes;
  • how many miles you drive;
  • and how often you drive between midnight and 4 a.m.
Get a personalized rate.
Any Snapshot discount you earn kicks in immediately. So, you can start saving right away! Then, you'll stay plugged in for five more months to set your ongoing renewal discount.
Why not try it?
Switch to Progressive today and start Snapshot as a customer. Or, take a 30-day test drive first; then, decide if you want to switch. Either way, Snapshot is free, and it won't increase your Progressive rate.

Commercial Vehicle Insurance from Progressive

With more than 42 years of experience, you can trust Progressive for your commercial vehicle insurance. We're one of the largest commercial vehicle insurance companies in the nation, the #1 truck insurer in America, and we have an A+ rating from A.M. Best. Get a free commercial vehicle insurance quote today and see how much you can save. Call 330-847-9876

Business Auto Insurance

Customized insurance for your small business vehicle. More...

Truck Insurance

Truck insurance to protect you on the road. More...

Pickup Truck Insurance

Pickup truck insurance that won't cut into your budget. More...

Box Truck Insurance

Insurance for box trucks and straight trucks. More...

Van Insurance

Complete insurance protection for commercial vans. More...

Dump Truck Insurance

Heavy duty insurance for your dump truck. More..

Snow Plow Insurance

Snow plow insurance options for every season. More...

Tow Truck Insurance

Coverages to meet your tow truck business' needs. More...
View complete list of vehicles we insure or trailers we insure.
Schrader Champion Income Tax Service

It's that time again.  Schrader Champion Income Tax Service provides income tax return services, the way it's meant to be friendly, timely and accurate. We make customers our number-one priority so when you need a tax professional, Schrader Champion Income Tax Service is your best choice and provides a computerized income tax return preparation service, electronic filing. Personal or business; we do both.

We will help you:

     Discover hidden deductions that may be costing you and your family thousands yearly.
     Re-Evaluate your small business entity to maximize profitability.
     Stay informed with regular tax law updates and how they relate to your life and business.

Save $40 on your tax preparation just by mentioning you saw this on our website. No coupons needed.

For the clients that want a 3 year look back… we do that. Meaning if you want a prior years return reviewed by our office, we do that for free.
Do you want a loop hole on taxes? Come see us. We suggest one for customers who need one.
Drop in or call to set up an appointment.
Our phone number is:
We are located at:
5572 Mahoning Ave.
Warren, Ohio
(across the street from Dollar General in Champion, Ohio)


The Schrader family provides low cost insurance along with income tax services. Family owned and operated since 1964. Forty Eight years in the same location with the same great service.

Schrader  Insurance Agency also handles annuities, IRA'S, 401k, investment management, estate management, life insurance, long term care, and health care.

Also located in the Schrader Building is Champion Income Tax Service which provides tax filing for personal and business tax services. All returns are e-filed for no additonal fees.
We also are a notary public service and wealth building service.

W.T. Schrader Insurance Agency - Champion Income Tax Service

Champion Income Tax Service

We are a family owned and operated business established in 1964 by Tom and Pat Schrader. Today, after more than 45 years in business, it continues operating in the Schrader family. The "Schrader Building" is located at 5572 Mahoning Avenue NW, (Champion) Warren, Ohio, 44483. Our building is situated just south of State Route 305 and State Route 45 in Champion Township.


One of the many things that seems to set us apart from our competition, is when you call, you be greeted by a warm and friendly voice. You will not be listening to a recording telling you to punch in PIN numbers, extention numbers, etc. In this technology driven age, we still believe in servicing our customers with a personal touch.

We too offer "E-file" capabilities, along with direct deposit options, refund anticipation checks and E1 debit cards. Just like the "other guys", however, at a fraction of the cost.

Our office does operate by appointment; however, we do prepare "drop off" returns. It is recommended, however, especially for the first time to make an appointment and set with a preparer for a one on one consultation. There is NO extra fee for this consultation, and we believe you will walk away having had a happy, comfortable and beneficial experience.


Another comment we hear all too often..."will this return be prepared for all to witness"?
By all means NO........ Our facility believes that your financial affairs and taxes are a highly sensitive and private issue and should be handled with the respect it deserves. When coming in for an appointment, you will be taken to a private office for tax return preparation and completion. Generally, assuming that the taxpayer has all pertinent documents and information with them at the time of scheduled appointment, you will also know the outcome of the return before you leave.


Because we are striving for the best possible service for you, our customers, we take great pride in asking all pertinent questions to do a complete and accurate tax return. Sometimes during the tax interview, conversation reveals occurrences that might greatly benefit the tax client. Be prepared, this will not be someone just sitting at the computer mindlessly entering numbers, we really pay attention to the data and look to prepare the most accurate and beneficial tax return.

W.T. Schrader Insurance Agency

Because we are a to be a full service facility; we also have the ability to service all your personal and business taxes and insurance all year round. We also help with planning for your retirement and other financial needs. Who better to assist and consult with you than the individual who is aware of your tax and financial liabilities?

In addition, we always have "gifts" whenever you stop in. Come and discover the possibilites.

We trust you will be pleased!

Insurance Products And Services

We are dedicated to getting you the best insurance products and services available today to protect you, your family, and your business.

Personal Insurance
Scheduled Property

Commercial Insurance
Professional Offices
Garage & Repair
Delivery Services
Day Care

Life Insurance

Health Insurance
Short Term
Medical Savings Accounts
Medicare Supplements
Long Term Care
Trip/Accident Coverage

Retirement Plans
Traditional IRA
Roth IRA
Simple IRA
Long Term Care

Group Insurance
Payroll Deduction Programs
Simple IRA

Do You Have Roadside Assistance Included With Your Auto Insurance? - As Low As $16 A Year Even If You Only Have Liability

Do you have roadside assistance included in your auto coverage? Even if you only have liability insurance, you can still purchase it. Call us today to include it with your existing coverage for as little as $15 a year. If you want to change your coverage or start a new policy, we can do that also.


Car trouble ranks right up there with tooth drilling and the common cold. It's bound to happen, but we'll do what we can to avoid it. So before your car decides to take a nap on the side of the road, consider adding Progressive's Emergency Roadside Assistance coverage to your policy.

What's included?

Roadside Assistance coverage exists for your peace of mind. If you purchased this coverage with your policy, it's available 24/7 — just call 1-800-776-2778 at any time, and a representative will dispatch a roadside service professional to help you with the following:
  • Towing Flat
  • Tire Change
  • Battery Jump-Start
  • Emergency Fuel and Fluid Delivery
  • Locksmith Service

  • How do you use it?
If you have Roadside Assistance coverage on your policy, the easiest way to use it is to call us at 1-800-776-2778. We'll send a service provider to you to get you up and running as soon as possible. Once the provider takes care of your car, you just sign the invoice and drive away. We pay the bill, and you pay nothing out of pocket (unless, of course, you request work that isn't related to the break down).

Did You Know You Can Have Renters Insurance For As Low As $10 A Month

Most people are pleasantly surprised to know they can have a renters insurance policy for as low as $10 a month.  Think about it, a monthly payment which can be as low as $10 a month can end up saving you thousands in the event of a disaster.

Call us today, give us some information and we can give you a quote the same day.

Why Should I Buy Renter's Insurance?

Rental Insurance is one of the last things most renters think about when faced with moving. However, you really should consider it. Most renters do not realize that if there is a problem in there home, they are not covered by the landlord’s insurance. Fire, theft, hurricanes, roof and plumbing leaks and many other occurrences can damage your personal property. Therefore, to protect yourself and you valuables, renters are encouraged to obtain renters insurance. Below we have outlined what you need to know before you get started.

What is Renter's Insurance?

Renters insurance is an insurance policy that protects you from a variety of perils that might occur to those who rent. Most policies cover the following losses:
  • Windstorm or hail
  • Fire or lightening
  • Explosion
  • Riot or civil commotion
  • Aircraft
  • Vehicles
  • Smoke
  • Vandalism or malicious mischief
  • Theft
  • Damage by glass or safety-glazing material that is part of a building
  • Volcanic eruption
  • Falling objects
  • Weight of ice, snow, or sleet
  • Water-related damage from home utilities
  • Electrical surge damage
If you live in an area where flooding, hurricanes or earthquakes are a possibility you will probably need to purchase a separate policy or a rider in order to protect yourself against these threats.

What do I get for my money?

To begin, you need to decide how much coverage you need. This varies and will depend on your location. Typically, you can purchase a policy that covers at least $15,000 in personal belongings and several hundred thousand in liability for a couple hundred dollars a year.
The next major consideration is the type of policy you are being offered: ACV (actual cash value) or replacement cost. ACV coverage will only pay you for what your belongings were worth at the time they were stolen or damaged. If you purchased a new television when you moved in for $1500 and it was stolen a year later, you would only receive what the television was worth when it was stolen, not the price you purchased it for. You will pay higher premiums with replacement cost coverage, however, if something happens, you will be paid the amount that it will actually cost to replace your items.
You’ll also need to let your insurer know of any particularly valuable items you own, like a piece of jewelry or expensive electronic equipment. If you purchase a separate rider for these items, they will be covered individually. Most policies do include liability coverage that will cover the costs for any injury to yourself or visitors to your home. Policies can also include specials provisions (i.e. waterbed liability that cover any water damage resulting from a broken bed). If you have something like this in your home, double check your policy to make sure it is detailed within.
If you or your home owner has installed smoke detectors, fire extinguishers or burglar alarms, you may be eligible for a discount. If so make sure to mention these when you are purchasing a policy.
Another important provision included in most policies is coverage for additional living expenses. This means that your insurer will cover your living expenses in another location, if your home becomes unlivable. The typical limit is 30 to 50 percent of the total value of the policy. You will be limited to what your company considers a reasonable length of time for rebuilding or relocating, often twelve months.

What do I need to do to protect myself?

After you move in, take inventory of all the items in your home. Insurers state that most people underestimate the value of their possessions and therefore don’t have enough personal property coverage. Experts recommend making an inventory of each item including its value and serial number. You should also photograph or videotape each room and be sure all the items of value are clearly visible. If you make any major purchases, keep the receipts. Be sure to store all the documentation in a fireproof box, on a digital file with online access or in a bank safety deposit box so that your proof is not destroyed in the event of a fire or natural disaster. If you own a dog, be careful—some breeds are often not covered by insurers.
Remember, that like other types of insurance, your premium depends on factors like where you live, your company, your deductible and any additional coverage you purchase. If you want to pay less for your policy, consider choosing a higher deductible. This is the amount you have to pay if you do have to use your policy. For example, if you have a kitchen fire, you may have to pay a $1,000 deductible before your insurance company will pay up for additional damages. Renters insurance is one of the most overlooked types of policies. However, those who have had to use it know its value. Buying a policy insures not only your belongings, but also gives you peace of mind—and that’s something hard to put a premium on.

Real Customer Funny Insurance Claims

Incidents with Pedestrians.
  • The pedestrian ran for the pavement, but I got him.
  • The guy was all over the road. I had to swerve a number of times before I hit him.
  • I was sure the old fellow would never make it to the other side of the road when I struck him.
  • To avoid hitting the bumper of the car in front I struck a pedestrian.
  • The pedestrian had no idea which way to run as I ran over him.
  • The car in front hit the pedestrian but he got up so I hit him again.
  • I saw a slow moving, sad faced old gentleman as he bounced off the roof of my car.
  • A pedestrian hit me and went under my car.
  • I saw her look at me twice. She appeared to be making slow progress when we met on impact.
    Accidents with other vehicles.
  • I collided with a stationary truck coming the other way.
  • A truck backed through my windshield into my wife's face.
  • The other car collided with mine without giving warning of its intention.
  • My car was legally parked as it backed into another vehicle.
  • When I saw I could not avoid a collision I stepped on the gas and crashed into the other car.
  • I started to slow down but the traffic was more stationary than I thought.
  • The accident occurred when I was attempting to bring my car out of a skid by steering it into the other vehicle.
  • I was backing my car out of the driveway in the usual manner, when it was struck by the other car in the same place it had been struck several times before.
  • I was unable to stop in time and my car crashed into the other vehicle. The driver and passengers then left immediately for a vacation with injuries.
  • The gentleman behind me struck me on the backside. He then went to rest in a bush with just his rear end showing.
  • The car in front of me stopped for a yellow light, so I had no choice but to hit him. (She pushed him through the intesection)
    Collisions, calamities, and injuries.
  • Coming home I drove into the wrong house and collided with a tree I don't have.
  • I told the police that I was not injured, but on removing my hat found that I had a fractured skull.
  • I pulled away from the side of the road, glanced at my mother-in-law and headed over the embankment.
  • I thought my window was down, but I found it was up when I put my head through it.
  • As I approached an intersection a sign suddenly appeared in a place where no stop sign had ever appeared before. I was unable to stop in time to avoid the accident.
  • In an attempt to kill a fly, I drove into a telephone pole.
  • I saw two kangaroos having it off in the middle of the road. So I hit them, which caused me to ejaculate through the sunroof.
  • I was thrown from my car as it left the road. I was later found in a ditch by some stray cows.
  • The telephone pole was approaching. I was attempting to swerve out of the way when I struck the front end.
  • I pulled in to the side of the road because there was smoke coming from under the hood. I realized there was a fire in the engine, so I took my dog and smothered it with a blanket.
  • The claimant had collided with a cow. The questions and answers on the claim form were - Q: What warning was given by you? A: Horn. Q: What warning was given by the other party? A: Moo.
    Who is to Blame?
  • No one was to blame for the accident but it would never have happened if the other driver had been alert.
  • I didn't think the speed limit applied after midnight.
  • I had been shopping for plants all day and was on my way home. As I reached an intersection a hedge sprang up, obscuring my vision and I did not see the other car.
  • The indirect cause of the accident was a little guy in a small car with a big mouth.
  • I was going at about 70 or 80 mph when my girlfriend reached over and grabbed my testicles so I lost control.
  • I was on the way to the doctor with rear end trouble when my universal joint gave way causing me to have an accident.
  • On approach to the traffic lights the car in front suddenly broke.
  • The accident was caused by me waving to the man I hit last week.
  • Windshield broke. Cause unknown. Probably Voodoo.
  • No witnesses would admit having seen the mishap until after it happened.
  • I had been learning to drive with power steering. I turned the wheel to what I thought was enough and found myself in a different direction going the opposite way.
  • The accident happened when the right front door of a car came round the corner without giving a signal.
  • I had been driving for forty years when I fell asleep at the wheel and had an accident.
  • I left for work this morning at 7am as usual when I collided straight into a bus. The bus was 5 miniutes early.
  • An invisible car came out of nowhere, struck my car and vanished.
  • I knew the dog was possessive about the car but I would not have asked her to drive it if I had thought there was any risk.
  • The accident happened because I had one eye on the truck in front, one eye on the pedestrian, and the other on the car behind.
From the desk of:         
Barbara Schrader-McNeil

Words of wisdom from one the greatest investors of all times: Warren Buffett

Warren Buffett gave us two rules regarding investing:  
1. Never lose money
2. Never forget Rule No. 1

Over the past several weeks, the stock market took yet another downturn after the United States lost its prized AAA rating from the S & P.  History may not always repeat itself, but it often rhymes.  For example, in 1929 the stock market crashed however the market did not bottom out until three years later in 1932.  Our most recent economic downturn began in 2008 and is still ongoing.  When it will bottom out is still to be determined.

As simple and overused as Mr. Buffett’s rules of investing may be, I find that many people still lose sight of this concept….even during these turbulent economic times.  Clients who are at or nearing retirement are not in a position to risk or lose their retirement assets.  We do not know what the future of the stock market holds, but we can assume that one of three things will happen:  it will go up, go down or stay flat.

Over the past several years, we have created plans for many of our clients to eliminate two of the aforementioned assumptions (down and flat) utilizing financial vehicles that guarantee safety and principal protection, protection of retirement income and a strategy to outpace inflation.  

Please call us sooner rather than later to discuss how we can focus on making your money go up and keeping if safe for retirement.