Bikers: Reduce Your Risk of Being Hit by a Car

Motorcyclists understand something that those riding in vehicles (“cagers”) cannot: there is something supremely liberating about taking to the open road with nothing separating you from the environment but your good fortune and a bit of leather. When on a bike, you are not only more aware of your surroundings; you are more one with the road. As with all things, however, this feeling of exhilaration comes with a price. As a motorcyclist, you are far more likely to be injured or killed in an accident than those who are protected by their steel cages. By nature, most cagers expect to see only other cars on the road. Bikers (and bicyclists, and even pedestrians) must be aware of this fact.
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Posted in Motorcycle Bundle , Cars , and Safety

Off-Road Tire Sizes for Beginners

I got into my first four-wheel drive truck in the nineties after my father died. He owned a 1987 Nissan Patrol pickup and I had always wanted to own a four-wheel drive vehicle. Actually owning one was a huge learning experience for me. I had been a huge collector of off-road magazines over the years, but actually owning a four-wheel drive truck was still a learning experience for me.
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Are You Breaking the Law When You Haul Your Snowmobile?

There's a fresh layer of snow blanketing the ground and a few free days on the calendar. It's time to ride! But, resist the temptation to tuck the snowmobile in the back of the pick-up and hit the trails. Trailering or towing your sled illegally can lead to some hefty fines and put other motorists at risk of an accident if the machine is not properly secured or hangs over the end of the truck's open tailgate. And, spring pre-orders are piling up, making 2015 look prosperous too. So, the next time a fresh layer of snow blankets the ground and a few free days come up on the calendar -- head outdoors. Why not take the snowmobile out to those trails your friends have been telling you about? Before bundling up, you'll need a trailer to safely transport your sled.
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Snowmobile Insurance 101

Snowmobiles are a fun and exciting way to enjoy winter weather, but the costs of owning a sled can be significant. With the average price of a new snowmobile topping $11,000, buyers may be concerned about protecting their investment.
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Posted in Snowmobiles and Safety

Crash Test Doggies: Prevent Your Pet from Becoming a Projectile

Do you regularly put your dog in danger? If your pet travels unrestrained in any vehicle then the answer is "Yes". The idea of keeping a pet safe in transit is not a new one. Indeed the Center for Pet Safety (CPS) has undertaken crash tests to rate the effectiveness of canine travel restraints.
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Posted in Homeowner Bundle - All , Cars , Pets , and Safety

What Your Snowmobile Customizations Are Missing

Each year, snowmobiles are made to drive safer and smarter, but customization for enhanced appearance and performance is still popular among sled enthusiasts. In fact, a recent informal survey of snowmobile owners conducted by Trusted Choice revealed that 32% of respondents chose to customize their snowmobiles and another 22% planned to do so in the future. And of those interested in customization, nearly 80% anticipated spending less than $3,000, yet 8% planned to spend or had already spent upwards of $18,000 to trick out their sleds.
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Posted in Snowmobiles and Safety

Find the Best Trailer for Your Snowmobile

For those who travel with their snowmobiles, a quality trailer is essential for protection and ease of transport. Choices range from open, flatbed trailers which start at about $500 to enclosed rides which can be priced upward of $3,000. Each option has its own set of costs and benefits.
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7 Surprising Dangers of Driving with Pets

What do your dog, cell phone, and a hamburger have in common? Answer: They are all potentially lethal distractions when driving. You’re a busy mom. Ferrying kids about. Dashing off to work. Not to mention finding the time to shop and walk the dog. Mind you, it helps that the dog is a good boy. He hops in the passenger seat like an angel and sits looking out of the windshield. Your furry co-pilot. Do you buckle him up? No. It's only a short journey.
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Posted in Homeowner Bundle - All , Pets , and Safety

7 Tips to Prevent Your Pup from Becoming a Liability When Renting

Finding a decent rental property isn't easy, and it's especially hard when one of your family is four-legged. Owning a dog earns you the cold shoulder from many prospective landlords. And even if you strike lucky and find a great place that allows you to keep the whole family together, your dog may become a hidden liability.
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Posted in Homeowner Bundle - All , Pets , and Safety

Pit Bull Prejudice: Why You Need Pet Liability Insurance

Is your dog the subject of prejudice? Do people cross the road to avoid your canine companion and do insurance agents suck their teeth when it comes to bite liability cover? If your answer is "yes", then the chances are you own a bull breed dog. The trouble is this (unjustified) prejudice runs more than fur deep and could cost you money.
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Posted in Homeowner Bundle - All , Pets , and Safety

5 Simple Steps for Landlords to Safely Rent to Dog Owners

If you are a landlord, perhaps you'd like to rent to people with pets, but the implications worry you too much. In fact, concern about what could happen keeps you awake at night. You imagine that new hardwood floor scratched to pieces, anti-social barking, and tenants with a vicious dog that refuse to leave.
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Posted in Homeowner Bundle - All , Pets , and Safety

6 ATV Safety Tips Big Game Hunters Should Know

All terrain vehicles have become so popular with hunters over the last 20 years that many of the latest four-wheel drive models are specially designed to meet the rugged demands of big game hunters. Quieter engines, beefed up suspension systems, tougher tires, camouflage wraps, and hunting accessory packages are the new game in the outdoorsman ATV market. But along with the increased accessibility to steep, rocky terrain afforded by these powerful machines, comes a greater risk of accident and personal injury.
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Posted in News , ATV Page Bundle , and Safety

Should You Insure Your Snowmobile Year-Round?

Millions of Americans enjoy the of excitement dusting off their snowmobiles at the first sign of snowfall. Though insurance coverage for these sleds is not required in all states, it is often mandatory when riding on certain public and private trails. Whether or not it is mandated, insurance coverage is a good idea because it can protect you from financial losses associated with accidents, injuries and properly damage. But what about during the warmer months when your snowmobile is stowed away? Is coverage at this time worthwhile or a waste of money?
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Posted in News , Snowmobile Bundle , and Safety

How an Independent Agent Can Save You Tons of Money

Reducing debt and building savings are a great way to start yourself on the path to financial security. Protecting the investments that you have made in your future is also important. While some people may feel that they can save money by skimping on insurance policies or avoiding them altogether, this is actually a very risky way to move through life. Having a contingency plan for the hazards or disasters that life may bring your way is the key to avoiding undue financial setbacks.
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Your New Dog Could Really Cost You: Dog Bites and Beyond

Acquiring a new pet is like becoming a parent; pets and children are your responsibility, both emotionally and financially, and you need to plan for all eventualities. In the case of pet ownership, this includes being aware of your public liabilities so that unexpected costs don't bite you in the backside.
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Posted in Homeowner Bundle - All , Pets , and Safety

Motorcycle Gear: Protect Yourself from Head to Toe

There is little that can match the joy of taking to the open road on a motorcycle. Whether you are a long-distance rider or just use your bike for weekend fun, one of the most important things you can do is dress for safety. Basic riding gear consists of a helmet, gloves, jacket, and boots. Hardcore, serious bikers may want to suit up in leather riding suits. Protecting your body with the right gear can ensure that your next set of wheels isn’t an ambulance gurney.
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Posted in Motorcycle Bundle , Cars , and Safety

Boys vs. Girls: Which Are Better Drivers?

The age-old debate continues: Who is better behind the wheel, men or women? If you have both a son and daughter you know just how often this argument erupts around the dinner table. Thankfully, a professor and doctoral student in the civil engineering department at Kansas State University decided to take a closer look and give parents a few real answers when it comes to teen drivers.
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Fight Distracted Teen Driving with New Interactive Simulator

Next time your teen groans at the thought of a weekend driving lesson, flash a smile. Tell the young driver it won't be with you. Let them try a distracted driving simulator, a video-game like experience that creatively inspires teens to keep their eyes on the road.
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Is Your Teen Breaking the Law? What You Need to Know About School Permits

Did you know your teen may have broken a law simply by driving home from school last night? If your teen is using a school permit to go to and from classes, listen up. Each state has very specific guidelines and rules for using a school permit, which is generally issued after your teen has earned a learner's permit.
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Teens and Tire Safety: What Driver's Ed Doesn't Teach Kids

Your child's driver's education class focuses on the rules of the road and being an attentive driver. But driving lessons often miss the mark when it comes to knowing basic car care information. Michelin North America Inc. helped fund a study to determine what driving students are learning -- and not learning -- that could put them at risk for an auto accident.
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Foolproof Tips for Road-Tripping with Pets

Is it normal to take pets on vacation? If you are anything like me, the answer is a resounding "Yes!" Years ago, I realized I missed my animals so much while traveling that on our next vacation we decided we’d take at least one with us (we have five cats, two guinea pigs, and a bearded dragon.) Thus a family tradition of traveling with pets was born.
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Posted in News , Pets , and Safety

Surprising New Study About Teens and Texting

The good news for parents of teens today is that modern adolescents are less likely to engage in risky behaviors such as smoking, drinking and fighting. The bad news, however, is that seemingly-benign behaviors such as media usage and texting are on the rise and are, at times, proving deadly. These were the findings of a recent study conducted by the Centers for Disease Control (CDC), the results of which were published this summer.
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New Smartphone Apps to Protect Your Teen Driver

Technology has come a long way in the last 20 years. Most teens now carry cell phones, and while phones can pose dangers while driving, they can also be used to protect your child. Many parents may not be aware of the many applications and other technological advancements that are currently available to them that can be used to monitor their teen drivers.
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Think You Can’t Use a Motorcycle Safety Course? Think Again.

In addition to providing a cost-effective means of transportation, hitting the streets on a motorcycle can be fun and exhilarating; however, it can also be quite dangerous. In the United States in 2011, 4,612 motorcyclists were killed and approximately 103,000 were injured in accidents.
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Posted in Motorcycle Bundle , Cars , and Safety

2014 Safest Cars for Teens

As the parent of a teen driver, you may prefer that your child drive a new, as opposed to used, car. New cars typically include more improved safety features and your child is less likely to get stuck on the road due to a mechanical malfunction. Unfortunately, with the higher price tag that goes along with a new car, higher insurance rates are also part of the equation.
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Keep Loved Ones Safe With These Pool Tips

Many Americans retreat to swimming pools throughout the summer to escape the blistering heat. For some, a pool party complete with drinks, grilled food, and music, is an essential part of a perfect summer day. While swimming pools are great for bringing family and friends together, there are risks and pool safety concerns home owners should consider. According to the Centers for Disease Control and Prevention, roughly ten people drown each day in the United States and there are over 3,000 unintentional drowning deaths, unrelated to boating, every year.
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Posted in Home Insurance , Parents , and Safety

How 9 Million Homeowners Could Have Prevented Property Crimes

Are you unknowingly enticing potential thieves to damage your property or break into your home? While you want your home to be a welcoming environment for family and friends, you might be surprised how common habits might be inviting to criminals, too. According to the FBI, there were over nine million property crimes in the United States in 2010.
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Vacation Tips: 5 Things To Do Before Leaving Town

Summer is quickly approaching and millions of Americans will be taking vacations to their favorite destinations. From family road trips to the beach to boarding international flights headed toward breathtaking destinations, vacationing during the summer is something almost everyone looks forward to. Before leaving for your vacation, however, there are some tips
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Someone Fell off My Horse. Can They Sue Me?

Whether you own one horse or ten, chances are you've been asked by a friend or visitor to let them ride. While this seems like a friendly gesture, you may be opening yourself up to a potential lawsuit. Horses are powerful animals. Even if you follow all the rules of horsemanship, you can never predict a horse's actions - or the actions of a rider. A plastic bag blowing by, a panic attack while riding, or even a sneeze can set a disaster in motion.
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How to Have the Coolest Backyard on the Block this Summer

Backyard equipment has evolved from simple swings and a slide to palatial play structures complete with tube slides, zip lines and rock walls. Everyone wants to have the coolest backyard, but safety should never take a back seat to fun. According to a recent article in USA Today, trampoline accidents alone caused over a million emergency room visits between the years 2002 and 2011. Below are some of summer's hottest backyard play items along with ideas on how to keep kids safe as they play.
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6 Tips on Baby Safety Gates and Tales from Moms Who Could Have Used Them

Quite possibly one of the worst sounds on the planet is the sound of a small child falling down the steps. There's a series of horrible bumps and thuds before one loud crash that culminates in a blood curdling scream. What's even worse? Watching it happen. It's a scene that never leaves your mind. It's happened to both of my boys at the age of one and thankfully, they made it through their tumultuous tumbles unscathed.
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8 Home Safety Tips you Should Implement Now

As a mother with small kids I constantly look for ways to protect them and make sure we are all safe. When most of us parents think about home safety tips the first thing we want to do is learn more on how to protect our nest, we want to make sure we provide a safe shelter for the family to feel secure. They need to know that everything is OK under that roof.
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8 Home Security Tips You Never Thought Of

Your home is your sanctuary. It is a place for you to relax and unwind after a busy day. Your home is where you go to be and feel safe. If your home is underprotected or has been burglarized, your feeling of security may be in jeopardy. There were over 2 million burglaries in the United States in 2012. While that number is down from the previous year, it is still a statistic that no one wants to become a part of. Using a few simple home security tips and tricks, you can protect your belongings, thwart off would-be thieves and increase the security you feel while home and away.
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Prepare Your Kids for the Most Dangerous Room in the House

Without a doubt the kitchen is the most dangerous room in the house. Behind every closed door is the potential for injury or even death. So as a parent kitchen safety for kids has always been a priority. According to the US Fire Administration 30 percent of all house fires start in the kitchen. From 2008-2010 there were an average of 165,000 house fires annually caused by residential cooking, resulting in over 330 deaths and upwards of 10,000 injuries. But it's not just fires that make the kitchen such a scary place.
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13 Safest Cars on the Road Today

The Insurance Institute for Highway Safety helps insurance companies and consumers evaluate vehicles based on their safety features. The organization is on a mission to reduce accidents, fatalities, and injuries by rewarding auto manufacturers with high marks for outstanding innovations in driver and passenger safety. Unlike the National Highway Traffic Safety Administration, the IIHS tests for offset crashes, rather than broad frontal crashes. This better displays the weaknesses in a car's impact capabilities. The five types of crashes tested by the IIHS include:
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Top 20 Defensive Driving Tips to Keep You Safe

Getting behind the wheel of your car may seem like a commonplace event, but it is likely to be the most dangerous thing you will do all day long. In the U.S., car accidents are the fifth leading cause of death. Your odds may be even higher depending on where you live and what you drive. Although you can't control the actions of other motorists, you have a great deal of control over how you operate your vehicle. That means you can increase your chances for a safe trip by following a few simple precautions. Here are twenty helpful tips to keep you driving happy.
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Are Crash Test Dummies Really Like People?

What are crash test dummies, really? What are they made of and how long have researchers been using them to make our cars safer on the road? These high tech mannequins have a rich and somewhat sordid history. In fact, the first crash test dummies were not mannequins at all - so how did this technology develop? We wondered, too, so we've put together a little overview of the crash test dummy and how it came to be. What Are Crash Test Dummies? A crash test dummy is an anthropomorphic testing device (ATD). This is a fancy way to say that the dummies closely imitate the size, shape, mass, stiffness and energy absorption of an actual human being.
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The Complete Guide to Finding the Best Home Security System

Home security is an important topic these days. Unfortunately, a home burglary happens once every 15 seconds in the United States. This translates to a staggering 2.2 billion burglaries each year. Burglars targeting residences will mainly strike during daytime hours when they assume most homeowners are at work. Many people are surprised to learn that the main point of entry for burglars is through the front door. Deadbolt locks help a lot, but they are not enough to deter a determined burglar. A home security system can be a crucial defense against thieves. The best security system for you might take some research - but we hope this guide will help you make the right decision for your family.
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