Driving Tips for Snow and Ice

Driving Tips for Snow and IceHighest car insurance costs are recorded in the state of Louisiana. Being a densely populated state, specially with more drivers in the urban areas more number of accidents takes place. Louisiana is an expensive state with high cost of living hence the medical expenses, car repairs and costs of litigation will also be high.

To drive in winter season it is really very difficult. Follow some of the tips to drive safely when the roads are slippery.

  • See and Be Seen : See to that you brush the ice and snow off your car, so that it is visible while driving the car in traffic. Hot water cannot be used for your windshield. Turn on the defrosters to soften the snow and ice and later, to clear the windshield use plastic scraper.
  • Slow Down : When you are driving the car in normal condition, you should maintain a distance of four seconds between your car and the car ahead of you. When you are driving in winter roads, increase the distance between the car to 8 seconds. This means that you are driving slowly, but driving this way in winter road will keep you safe and secure.
  • Get Unstuck the Right Way : Do not spin your wheels when there is snowfall. You will get into trouble if you spin your vehicles. Try to find out the resistance between the ground and car. Try to clear the snow which is around the wheels and drive the car.
  • Tackle a Skid the Smart Way :Try to follow the below steps when your car skids.
    1. Do not panic.
    2. Do not apply brakes.
    3. Turn the steering in the direction you wish to go.
    4. Wait till the car slows down so that you can regain the control of the car.

Protecting Your Home Against Theft

Protecting Home against TheftHaving home insurance will protect you from financial loss when your house is damaged because of storm, theft, fire or from any other event. You should clearly know what are your policy limits and what is there in your policy. Make sure you understand your policies and coverages clearly.

You can take some precautionary measures to protect yourself and your family from burglaries :

  1. You should always know your neighbors well.
  2. Trim all the shrubs and tress which covers your home windows and doors.
  3. Always lock your doors when you are inside the home. Always use secure and dead bolt locks for all the entries in your home.
  4. It is safer when there is a peephole in front door so that you can know who is knocking the door.
  5. Do not hide the house keys outside the house such as in pots or windows.
  6. It is good if you use timers for the lights to turn on and off. When you are not in station, stop the mail delivery and newspaper till you return from your vacation.

Beware of Backyard Dangers

  • Trampolines, swimming pools and decks may add to the enjoyment of your home. They can also add to your home insurance bill.
  • If you have a trampoline in your backyard, be sure to read your policy carefully and talk to your agent. Some home insurance companies will not accept risks with a trampoline on the premises or will have exclusions for any liability related to trampoline injuries.
  • Swimming pools are another consideration. Your pool needs to be secured according to your home insurance carrier guidelines. Many require a fence of a specific height with a gate that can be locked. You will want to be sure you are in compliance with local building codes.