Tag Archives: safe driving

Having A Safe and Happy Super Bowl Party

snack food

If you’re planning to host a Super Bowl party, the entertainment is already taken care of. From the big game itself, to the famous commercials and happening half time show, there’s always something to enjoy. Of course, there’s good food and drinks to think about as well. It’s always good to stock up on chips, dip, drinks and other snack time favorites.

That’s not all there is to being a good host. As you check everything off your Super Bowl itinerary list, allow us to share some helpful party safety tips to ensure your guests enjoy themselves and everything goes smoothly.

Personal Liability: Do you have enough liability? Please keep in mind that personal liability laws vary state by state. Familiarize yourself with the laws beforehand so that you know what to pay close attention to as the party progresses.

Closest thing to a “warm” welcome: The forecast calls for “a full day of sunshine” when the Falcons and Patriots take the field in Houston, Texas. Given that the winter months in New York can sometimes lead to rain, snow, ice, and other conditions of the like, it may pay to take precautionary measures. You can make sure your walkway is shoveled and cleared of ice. As guests arrive, clean and dry an otherwise slippery floor. This will help you set the mood for a good time by avoiding any injuries.

Keeping Everyone Safe: There are many things you can do to ensure guests have a good time at your party. We understand it’s easy to get distracted while having fun. Please be mindful not to serve uncooked food. With buffalo wings a popular snack for this occasion, keep stray bones away from any pets scurrying around. The big game can lead to heated debates amongst passionate fans (and being on the losing side can be even more disappointing), so do what you can to discourage arguments and fights. There are always calm ways to diffuse these types of situations.

Go Home Happy: Even if your guests’ favorite team loses the game, you can still play a role in helping them go home without a worry. If alcohol is served, perhaps you can offer a prize to whoever volunteers to be a designated driver. Some hosts opt to stop serving alcohol toward the end of the evening and switch to soft drinks and coffee. Should guests be drinking too much, take their keys and arrange beforehand to have a cab service ready to provide rides back home.

Do you understand the Personal Liability Laws that apply to your state? Contact us today to review or increase your coverage. Enjoy the game!

How is your car insurance rate determined?

carHave you ever wondered what determines the price of your car insurance? How and why do your rates change? Why are you paying more (or less) than you were at this time last year? These are all questions that go through a consumer’s mind when evaluating their respective rates.

Allow us to walk you through some crucial factors that help determine your insurance premium.

° Deductibles: The higher the deductible, the lower your premium will be, and vice versa.

° Coverages: Opting for more thorough liability coverage to better protect your assets and future earnings, as well as additional coverage (such as rental, reimbursement, full glass, and roadside assistance) will, understandably so, contribute to higher rates.

° Credit Based Rating: Many companies use a credit based insurance score to determine your car insurance rates. Higher scores correlate with responsible driving habits.

° Motor Vehicle Driving Record: If you’ve received a traffic violation or had an accident within the last 3 to 5 years, most insurance companies will take that into account. The rate could subsequently increase. On the flip side, if a driver has gone a longer period of time without a violation or accident, the rate could end up being lower.

° Age: Drivers between the ages of 25-65 typically pay lower rates.

° Make and model: Vehicles that perform better in crash safety tests usually have lower rates. Vehicles with higher sticker prices usually have higher comprehensive and collision rates.

° Residence: Living in heavily populated urban areas will make your premium more expensive than living in a suburban area. Urban areas have higher rates of vandalism, theft, and accidents, all making them more expensive than rural areas and small towns.

° Mileage and Usage: The more you drive and the further you drive, the more you pay. Your reason for usage (personal, business, etc.) is a factor in the rate as well.

With so many personal factors determining your auto insurance rates, it’s easy to understand why it often varies from one person to the next. Here are some ways to lower your rates:

° Increase your deductible

° Take a defensive driving course

°  If you’re the owner of multiple cars, there’s also the possibility of receiving a multi-car discount

° Driving fewer miles

° Some companies use vehicle tracking devices (like Progressive’s “Snapshot”) that monitor driving, which can offer additional discounts

° Bundle your home, auto & umbrella policies together with the same carrier, as they may offer multi-policy discounts.

There are many factors not in the control of an individual, so it’s important to take advantage of those that are. Contact us today if you are interested in getting the best coverage for you and your vehicle.