5 Tips for Safe Driving in the Winter

Learn how to keep you and your loved ones safe while out on the roads this winter.

Car driving on a snowy road

Brisk winter weather may bring joy to children hoping for a snow day, but it’s a little less inspiring for drivers looking at a difficult trip or commute. Regardless of what type of vehicle you drive, preparing for ice and snow can not only keep you comfortable but may even save your life.

Is your car or truck ready to take the winter head-on? Here are five tried-and-true tips to make sure winter won’t pose an issue for your driving safety:

Check Your Tire Pressure Regularly

Cold weather can and will affect your tires’ ability to hold air pressure, with every ten degrees of cold leaching out about a pound of pressure, if left unchecked. Thankfully, this is easy to do with a handheld pressure checker – available at most auto parts stores – or via an air pump at your nearest gas station.

If you drive a newer model year, you may even be able to check air pressure levels from inside the car, via the dashboard computer: consult your owner’s manual to check.

TIP: While you’re checking your air pressure, be sure that your tires have enough tread to grip the road. Slide a penny, head first, into the long grooves in your tire; if you’re able to see the top of Abraham Lincoln’s head unobscured, it’s time for new tires.

Make Sure Your Wiper Fluid is Topped Off

In warmer months, wipers are mainly used to keep rain from obscuring your view of the road. That means that you may develop a crack or leak in your wiper fluid tank without realizing it.

TIP: Don’t wait to find out the hard way during the first hard snow of the year: regularly check both your tank fluid level and sprayer to ensure both are in good working order.

Replace Tired Batteries Before Winter Hits

Batteries are an undeniable investment, but it’s better to be safe than sorry when it comes to your vehicle’s power needs. Because motor oil becomes more viscous in colder temperatures, your motor has to work harder to start, which in turn demands more from your battery.

TIP: A battery that was on its last legs in the summer can leave you unexpectedly stranded in the winter. To prevent unpleasant surprises, be sure to replace any questionable or older car batteries in the fall before the snow starts.

Remember That Late is Better Than Injured

It may seem obvious, but give yourself more time to get to your destination when icy or snowy weather is expected. You will potentially need time to clear off snow from your vehicle or make a path in the driveway, and traffic will also factor in.

TIP: If you oversleep or can’t give yourself adequate prep time, make a habit of calling ahead to explain you’ll be late. Rushing leads to bad, hasty driving decisions and accidents on slick roads.

Drive Into Skids

If you live in an area where snow and ice accumulate, you’ll inevitably encounter icy roads or patches of black ice before spring comes around. If you find your car skidding in one of these situations, remember to take your feet off the pedals, and turn your vehicle into the direction of the skid, if it is safely possible.

TIP: Panic will often cause drivers to jerk the wheel in the opposite direction, or press the gas or brake pedals, but both of these reactions can actually reduce vehicular control.

Staying safe while driving in the winter is a balanced mix of ensuring your car is prepared to face the cold, and that your driving habits reflect potential winter weather problems. While it can be a challenging few months, getting through them safely will make that first windows-down springtime drive that much more rewarding.

Safeguard Your Home And Guests From Hidden Hazards Associated With Fireplaces

Safeguard your home and guests from hidden hazards associated with fireplacesA fireplace is often considered one of the most enchanting features of a home, capable of creating a cozy and inviting atmosphere on cold evenings. However, it is essential to prioritize the proper maintenance of your fireplace to ensure the safety of your household and visitors.

Fireplace Safety and Maintenance Guidelines

Wood Burning Fireplaces:

Check the flue for obstructions: Before lighting a fire, inspect your chimney to ensure it is clear and free from any blockages. Sometimes, birds or other animals may take shelter in the chimney during the off-season, so it’s crucial to check if you haven’t used your fireplace for an extended period.

Keep glass doors open: If you have a traditional wood burning fireplace with glass doors, it is recommended to keep the doors open while using the fireplace. The doors are designed to insulate the room when the fireplace is not in use, rather than containing the fire. By keeping the doors open, you allow proper airflow for the fire while using a screen to prevent sparks and debris from causing damage.

Install a chimney cap: Chimney caps serve multiple purposes, such as protecting the chimney from rain and preventing birds and other creatures from entering. Additionally, installing a screen across the chimney helps prevent sparks from flying out, reducing the risk of fires on roofs or lawns.

Schedule a chimney sweep inspection: If you have burned 70-100 fires, it is advisable to contact a chimney sweep. They will clean any buildup in the chimney and conduct a visual inspection to ensure the chimney is structurally sound and free from potential hazards.

Gas Burning Fireplaces:

Install an oxygen-depletion sensor (safety pilot): Consider installing an oxygen-depletion sensor that acts as a safety mechanism. It can detect any malfunctions in the fireplace or excessive carbon monoxide levels, automatically shutting off the gas supply.

Place carbon monoxide detectors: Install carbon monoxide detectors near the fireplace and on every floor of your home. Ideally, position a couple of detectors per floor to provide comprehensive coverage.

Maintain a safe distance: Keep flammable objects, such as curtains and fabrics, at least three feet away from the outer edge of the fireplace. This precautionary measure minimizes the risk of fires or smoke damage.

Respond to gas odor promptly: If you detect a gas odor in your home, contact your gas company or call 911 immediately. Gas leaks can pose serious safety hazards and should be addressed promptly.

Keep the fireplace damper open: To prevent carbon monoxide from entering your home, ensure that the fireplace damper remains clamped open while the fireplace is in use.

Regardless of the type of fireplace, it is crucial to keep children and pets at a safe distance. Burning fireplaces consume oxygen and produce carbon monoxide, so maintaining functional carbon monoxide alarms is essential to ensure the safety of your family.

Regularly maintaining your fireplaces is just one critical step toward ensuring the safety of your home and guests. It also serves as an effective means of avoiding costly homeowner’s insurance claims and the emotional distress associated with fire-related incidents. By implementing these fireplace safety measures, you can enjoy the warmth and ambiance of your fireplace while keeping your loved ones protected.

Happy New Year! How to Select the Best New Years Resolutions

Are you struggling to create a New Year’s resolution? We’ll go over some of the most popular resolutions and how to pick one.

Writing down New Year's resolutions

Happy New Year! Now that 2023 is coming to a close, millions of people may be thinking about their New Year’s Resolutions. Many people vow to improve something about themselves at this time of year and then stick to their improvements throughout the new year.

Choosing the right New Year’s Resolution is important. A good resolution is one that you’ll want to keep because it’s a change you’ll enjoy. Below are some suggestions to help you choose the right New Year’s Resolution for 2024.

Consider Motivation

Making a change can be very hard! It helps to choose a resolution you’ll be motivated to keep and see through to its completion. The more challenging the task, the more inspired you’ll need to be to follow through.

When selecting the resolution for the upcoming year, make a list of resolutions you have the drive to finish.

Not feeling the motivation you need? It’s okay to choose a resolution that’s relatively easy to complete. Give yourself a break! You can tackle the harder stuff later.

Hold Yourself Accountable

Plan to hold yourself accountable for the resolution, whatever it may be. An “Accountability Buddy” can help with this – someone who will work to accomplish your goal.

Having such a buddy may be beneficial if your chosen resolution is challenging because your buddy will offer support and understand what you’re going through. An Accountability Buddy makes keeping your resolution more enjoyable and can increase the likelihood that you’ll keep your resolution over the course of the year.

Make It a Realistic Goal

How long will it take to accomplish your goal? Is your goal achievable? Choose a goal that you can achieve. Committing to impossible or next-to-impossible resolutions will only frustrate you and make it less likely that you’ll stick to your New Year’s Resolutions.

Have a Plan

If your plan is achievable, you should be able to create a plan to complete it. Create a step-by-step plan to complete your goal over a year. Having a plan makes it easier to decide whether your resolution is achievable; if not, this is your chance to change.

Consider Setting SMART Goals

The acronym SMART stands for Specific, Measurable, Achievable, Relevant, and Time-bound. In other words, a smart goal is a goal that you can accomplish with measurable success. A SMART goal is realistic, relevant, and can be completed on a deadline.

The SMART acronym is used in workplaces to help managers set sensible goals for their teams. You can apply the SMART acronym to your New Year’s Resolution to ensure that you’re settling goals that will continue to make sense to you over the next year.

Examples of Common New Year’s Resolutions

Need help deciding on a New Year’s Resolution? Consider the most common resolutions for 2022, according to Statista.

  • Get more exercise
  • Eat healthier
  • Lose weight
  • Spend more time with people you care about
  • Spend less money
  • Spend less time on social media
  • Reduce stress at work
  • Stop smoking

Resolve to Update Your Homeowner’s Insurance

Another New Year’s Resolution: update your homeowner’s insurance policy. Your homeowner’s insurance helps protect your home from financial liability after a covered disaster. Contact your insurance agent today to review your policy.