Winter Driving – Poses Challenges

Be a safe driver in winterYou can never predict what nature acts like, specially in winter. With quite a number of accidents occurring on wet roads or rainy weather, it is important for the car drivers to be alert and look upon their driving habits in these winter months. With fluctuating weather, from thunderstorms to snow or to heavy rains. With mother nature behaving so erratically, ensure safety while driving and be prepared for the worst.

It’s Winter – Be Safe on Roads

When winter is nearing and you can feel the snow coming down, this is an important time to brace up and prepare for driving on snow. Do follow the below tips for a safe journey:

  • With winter comes bad roads and hence bad driving conditions, prepare your vehicle for it.
  • While driving faster you can easily lose control of your car specially on icy roads. Normally you need to maintain good distance between your and another car ahead of you. You need to slow down and have a smooth driving.
  • Clear visibility is a must. Before you start off, make sure you have cleared the snow off your car to let others see your vehicle and you to have clean vision of roads. Keep a broom large enough to push off the snow. Ensure defroster, defogger and heater are in good working conditions. These will avoid steamy windows.

Vehicle Safety – In Winter

You living in suburbs or city, driving in winter needs that extra precautions for safety of vehicle.

  • Tires when worn, slip easily. This will skid your vehicles, hence ensure tires with tread to avoid sliding and good traction while braking.
  • Make sure to have full tank or at-least more than half of gas filled tank. If got strangled or stuck in between, your engine heat comes as a rescue. Keep the window open when you in car with running engine.
  • Thorough check of your vehicle’s tire pressure, atleast once in a month. Always have a spare and jack in your car before you set out for driving. Keep the tires cool before the check of pressure.
  • Always check for an update on weather and then step out of the house for a drive. Do not take chances with varying conditions of nature.
  • Emergencies can occur anytime, be prepared for it. Carry a warm blanket, flashlight, first aid kit and extra batteries always when driving.

Why Your Deductible Matters When It Comes to Home Insurance

It Does MatterWhen you’re in the market for homeowners insurance, you will probably spend a lot of time deciding whether to go for a policy with a lower monthly premium and high home insurance deductible, or a higher premium and a lower deductible. And though, in most cases, the amount of a home insurance deductible depends largely on how much the homeowner can afford on his or her monthly premiums, there are also other factors that influence insurance deductibles.

Do You Have the Cash?
It’s simple but true: the rainy day rule applies. No matter how much your home insurance deductible is, if you’re like most of us, you’ll have to dip into your savings in the event of damages. If you’ve got a savings account with a considerable amount of money you can access at any time, it might not be a bad idea to choose a higher home insurance deductible. With a higher home insurance deductible, you have the advantage of lower monthly premiums until disaster strikes—which it may never do. If this is the case, comparing quotes that feature a higher home insurance deductible should be your priority.

A Lower Home Insurance Deductible for Peace of Mind
If saving isn’t a luxury you can afford, or if you’re already using your savings for other things, like sending your children to college, it’s advisable to choose a higher monthly premium with a lower home insurance deductible. In the event of damages, you’ll be looking at a relatively lower sum for your home insurance deductible before your coverage kicks in. When comparing quotes, it’s the lower deductible that you’re looking for to keep your home safe.