Tag Archives: local agent

Winter Tire Tips

Do You Need Winter Tires?

 Snow and slush. Freezing rain. Black ice. Are your tires ready for all of that?

When driving in Milwaukee in the wintertime, your tires just might be the most important safety feature on your car. The right ones can get you to your destination safely. The wrong ones? Well, just look over in the ditch during the next storm.

So how do you figure out what’s best for your vehicle? Here are a few things to know about winter tires:

1.      Winter tires really are different than regular tires. Winter tires have deeper tread, along with siping (slits in the tread blocks). This increases the number of edges that touch the road, resulting in better traction and handling. They also stay softer than other tires do in cold weather, thanks to special rubber compounds designed specifically for winter use.

2.      All season or dedicated winter tires?  Winter tires are better in deep snow than all-season tires, however, sometimes you can find an all-season tire that does well in light snow.

3.      You still need to check the pressure — once a week.  Once a week? Yes, once a week! If your tires are underinflated, they are at risk of failing. In winter, if they’re overinflated, your traction will be significantly reduced.

4.      You still need to check the tread, too. An inexpensive tool found at auto-parts stores can be used for this, or you can use a penny. Stick the coin into the groove of the tire, with Lincoln’s head down. Is some of his hair hidden? Good. Can you see all of Abe’s hair? It’s time for new tires. Right now.

At the Insurance Center of Milwaukee we know that nobody wants to spend too much time thinking about tires. The good news is you don’t have to. Just a little bit of preparation, along with some routine maintenance, will keep you driving through Bay View, Milwaukee, Greenfield, etc. all winter long.

Teen Driving Safety

Talking to Your Teen About Safe Driving

When teens begin to drive, according to the National Highway Traffic Safety Administration (NHTSA) and the National Safety Council, the sobering statistics start to pile up:

• Car crashes are the leading cause of death for U.S. teens ages 14 through 18.
• A teen’s crash risk is three times that of more experienced drivers.
• Being in a car with three or more teen passengers quadruples a teen driver’s crash risk.
• More than half of teens killed in crashes were not wearing a seat belt.

You can help your young driver make better decisions behind the wheel. Set a good example yourself. Have a serious discussion about the following issues, all of which have a large impact on the safety of teen drivers:

• Speed: According to the Governors Highway Safety Association, speeding continues to grow as a factor in fatal crashes involving teen drivers. Thirty-three percent of such accidents in 2011 involved excessive speed. While a lot of emphasis is rightfully placed on the risks of driving under the influence or while distracted, the danger of speeding is just as important.

• Alcohol: If drivers are under 21, driving with any amount of alcohol in their system is illegal. It’s as simple as that.

• Seat belts: Teens don’t use their seat belts as frequently as adults, so it’s important to set a good example and always have yours on. Seat belts are the simplest way to be protected in a crash.

• Phones: Distracted driving is dangerous driving, especially for an inexperienced teen. That means no calls or texting when behind the wheel — no exceptions.

• Passengers: The risk of a fatal crash goes up as the number of passengers in a teen driver’s car increases, according to the NHTSA.

Of course, any driver needs to have a good grasp on the laws and rules of the road and, because teens don’t have much experience, it’s important to have regular conversations about safe driving. How teens drive doesn’t just depend on them. It depends on you, too!

Fire Pit Safety

Be Careful When You Play With Fire, Even in the Backyard

 It’s a great feeling to hang out with friends and family around a blazing fire in your Milwaukee area backyard — unless that fire blazes a little too much.

While a fire pit can be a wonderful addition to your yard, all fires are potentially dangerous. Before you sit down to roast marshmallows, we (at the Insurance Center of Milwaukee) have gathered up some tips to help you keep that fire in the pit and away from everything else.  While this list is no way all inclusive, it will get you started in the right direction.

Are you legal?

  • Before building or buying a fire pit, check the local regulations to learn about restrictions.
  • Your fire pit may be legal, but a fire might not always be. Monitor and follow community burn bans.

What kind of pit do you want?

  • You can buy a fire pit or build one. If you choose to build, there are plenty of resources online to help you design it. If you plan ahead, you’ll have a better — and safer — spot to enjoy.
  • If you want convenience, a propane model might be right for you. They produce less smoke and have an adjustable flame.

Ready to build your fire?

  • Ensure the area under and around the fire pit is clear of flammable materials. Keep the pit at least 10 feet from any structures.
  • Before you start the fire, have a fire extinguisher or a garden hose handy.

Okay, now are you ready to build your fire?

  • Choose hard, seasoned woods. Sparks from softer woods can increase the danger of igniting something nearby.
  • Don’t use liquid fuels or paper/cardboard in your fire.
  • Don’t overload a metal pit and always use the included safety screen.

Is the fire out?

  • When you’re done, spread out the ashes and let them cool off for a bit. Then gently pour water or sand over them. Stick around for a little while to watch for flare-ups.

We want you to have plenty of nice, warm nights — without getting burned. Here’s to making memories around the fire!

College Graduation – Insurance Tips

Protect your college grad with the right insurance

College graduation is an exciting time for students and their parents alike.  While the graduate is focused on job offers and first-job jitters, it’s a time of major transitions and it’s essential to prepare for what comes next.

One area new college graduates need to address is insurance.  At the Insurance Center of Milwaukee, we know insurance can be a confusing topic.  We also know that seemingly small missed details can result in very large losses.  We want to ensure your college graduate is protected before heading out into the real world, so we have compiled the following pointers.

 

  • Review your family’s current insurance. The first step when considering insurance for your new graduate is evaluating the coverage you have currently.  Make an appointment with your agent, who can advise on whether it’s appropriate given the pending changes, and whether it will cover your son or daughter.
  • Know the law. Most states require drivers to have auto insurance, and most of those have minimum policy limit requirements.  Consult with your agent, to make sure they are covered adequately.
  • Read your lease. Many apartment, condominium and home rental properties require tenants to maintain renter’s insurance, which covers the contents of the home in the event of a robbery, fire, liability claim, or specified other losses. Make sure you know the terms of your son or daughter’s new lease.
  • Don’t end up liable. Any renter or owner is exposed to liability risk. To ensure there is adequate coverage in the event someone gets injured on your son or daughter’s property, speak with your agent about liability insurance.
  • Don’t gamble! Never go without. It’s simple: your son or daughter should always have insurance in place. Be sure to discuss with your agent what types they need.

We, at the Insurance Center of Milwaukee, congratulate you on the graduation of your daughter or son!  Please contact us with any questions at 414-744-6614.