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Winter is almost here, and in the Northwest that means cold, fog and slippery streets. Add to that increasing darkness during the commute, and it makes driving much more hazardous for the next three months or more.
The American Automobile Association (AAA) has a number of driving tips that will help keep you and your family safe while traveling this winter.
Get a Vehicle Checkup
Just like your personal health, your vehicle needs a clean bill of health to survive the wintry weather and slick streets. Now is the time to take care of any problems with your vehicle's electrical system, battery, brakes, tires, exhaust, engine-cooling system and windshield wipers. You want to avoid a breakdown in inclement weather!
Make sure you fill your windshield wiper fluid now for the inevitable rain, slush or snow that will try to obscure your view of the road. Wipers can smear the windshield, and without fluid to wash it off, you could be blinded to the hazards in front of you.
Check your tires for excessive wear to make sure they will grip the road when it's wet or snowy. One quick way of testing the amount of tread left is to push a penny in the groove between the treads, with Lincoln's head facing down. If the top of Lincoln's head is visible above the tread, then your tires are too worn-out, and you need to purchase new tires.
Carry a Survival Kit
If you should get stranded, a survival kit will be very important to keep you safe and warm until help can arrive. This should include:
• A warm blanket
• Boots and insulated gloves
• Food and water
• A flashlight with extra batteries
• Ice scraper
• Small shovel
• Signal flares
• Jumper cables
• Sand or kitty litter (for helping your tires get a grip if you're stuck)
Make sure you have a cellphone and a charger with you, too, so you can call for help.
Check the Weather Forecast First
Before heading out on the road, make sure to check to see what the weather will be like, so you aren't caught in bad weather, heavy traffic or poor road conditions.
Once you're behind the wheel, slow down and leave plenty of distance between you and the vehicle ahead of you, in case of slippery roads or accidents. It's also more important than ever to not be distracted by phones, maps, children or pets. Your vehicle may not respond as quickly as normal, and any delay in your reaction time could spell disaster!
Finally, make sure your auto insurance is up-to-date, and covers you in the event an uninsured or underinsured driver hits you. Call SAV-ON today at 888-867-2866 or visit www.sav-on.com to make sure you're set for winter driving.
Source: American Automobile Association
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| Broken underground pipe. |
Many homeowners think that their homeowners insurance policy will cover anything that goes wrong on their property, but that is not true. In addition, underground sewer lines, water lines and electrical lines that run from the property line to the foundation of the house are not the responsibility of the utility company, but the homeowner’s responsibility.
If you have a leak or electrical failure from a break in an underground pipe in your yard, you may be out hundreds – or even thousands – of dollars in out-of-pocket costs! That’s where Utility Line Insurance can protect you.
Your typical homeowners policy will not cover items outside the foundation, such as buried utility lines. And if the pipe breaks inside the walls of the home, your homeowners will cover the damage, but not the broken pipe itself.
Utility line coverage provides protection in the event of an unexpected water, sewer or exterior electrical line failure, whether it happens between the property line and the home, or inside the foundation, as long as the failure is in an underground line.
Exterior Water Line – Protection for one underground water supply line from the meter or well (on property) to the outside of the home’s foundation.
Exterior Sewer Line – Protection for one underground main sewer line from the outside wall of the foundation to the property boundary.
Exterior Electrical Lines – Protection for each of the following (must be buried): electrical power line, fiber optic line, cable TV line, phone line – from the outside wall of the home to the property boundary.
Interior Water Lines – Protection for the water lines running throughout the interior of the home.
Interior Sewer & Drain Lines – Protection for sewer lines and gray water drain line leaks and failures running throughout the interior of the home.
Note that the coverage is for broken lines only; not normal wear and tear within the line. If a line becomes plugged due to normal useage, it is not eligible for coverage.
The coverage is convenient and easy to use. It comes with 24/7 emergency response hotline and has a zero deductible! But, don’t wait until you have a problem; there is a 30-day waiting period, so it’s important to secure this protection before a line failure occurs.
Call SAV-ON Insurance today at 888-867-2866 and be protected from utility line failure.
Thanksgiving has almost arrived. This is the time of year when we sit back and reflect on all the things that we are thankful for. What immediately comes to mind?
For most of us it’s things like our family, our home, and our good health. And guess what they have in common? All of these things are what insurance protects!
That’s why it is so important to us that our clients have excellent insurance coverage. It’s not just about having an ID card in your car so you don’t get a ticket, or fulfilling your mortgage company’s minimum loan requirements.
Insurance is there to make sure that if the worst happens, you can recover from it. It might not be easy, but we’re here to ease the financial burden after your house burns down or a loved one passes away.
All of those TV commercials that just tell you to find the cheapest rate are completely wrong! Of course no one wants to pay more then they have to, but it’s not the most important part of the equation.
Rather than looking for a cheap bare-bones policy, take the time to interview and meet with a local SAV-ON agent. Find out the best coverage that truly meeting your needs while keeping the rate affordable. Ask us about how the insurance company you choose handles claims. Know that SAV-ON is dedicated to keeping you up-to-date and schedules annual policy reviews to make sure you get the best coverage at the best price.
This Thanksgiving, SAV-ON Insurance Agencies is extremely thankful for all of our wonderful clients. If you need a local agent to look out for your most prized possessions, give us a call today at 888-867-2866 or visit www.sav-on.com for a free no-obligation quote.
And have a wonderful Thanksgiving!
