snowy roadin the winter

4 Smart Tips for Driving Safely in the Snow and Ice

Breaking news from The Farmer’s Almanac! A bad winter has been predicted for us here in the Midwest. While winter seemed to be on vacation last year, it is predicted to be back in full force this year with numbing cold and plenty of wintry precipitation.

Are you dreading driving in the snow and ice? Check these 4 tips to help you drive safely this winter:

Slow Your Speed – Reducing your speed is one of the most important tips for driving safely in the snow and ice. Snow and ice can create “black ice,” which is always a danger on the road in winter. The faster your speed is, the greater potential for damage. The maximum speed for driving during such weather conditions should be 45 mph, but anything less than 45 mph is highly encouraged.

Wear Your Seatbelt – Wearing your seatbelt should be the first step you take when entering your car. Doing so can save you from tremendous injury if you were to get into an accident. Many people who have been injured in accidents were not wearing a seatbelt. Neglecting to wear a seatbelt can make a fender bender in the snow and ice much worse for you than it already is.

Pay Attention to the Weather – If you don’t already check the weather daily, now is the time to start! Checking the weather in the wintertime allows you to prepare yourself for an allotted driving time. Being aware of treacherous incoming weather will help determine whether you should drive in it or not. Make use of current weather information to make your best judgment.

Take It Easy on Your Brakes – Did you know your anti-lock brake system does not work very well in snow and ice? If your wheels are sliding, try your best to keep your foot off the brake. Your forceful steering will not change your direction during sliding, and the input steering doesn’t react when your wheels are sliding. Again, drive slowly and brake gently!

If there is any comfort or assurance when driving in the dangerous snow and ice, it is that you are insured with a great company ready to take care of all of your insurance needs. If you are dissatisfied with your current insurance, call us today at 1-800-766-MMIC or learn more about us online at www.madisonmutual.com!

New Year's Resolutions

5 Smart Resolutions You Should Consider Making for a Safer New Year

It’s that time of year again! That’s right; it’s time to reflect on 2016 and begin making resolutions for a better year ahead. Whether you’re striving to lose weight, get fit, learn something new, or spend more time with those you care about, having goals to work toward is always smart. Here are 5 great ideas to consider adding to your New Year’s resolutions:

Save More Money – Tidying up your budget to help save a little extra money here and there can help build up funds for things like a new home, a fun family vacation, or a larger retirement fund. You can help save a little more money at home by taking a few extra precautions. Make sure that your home is properly weather-stripped to keep the warm air inside. Also, consider turning the thermostat down a degree or two and turning off lights and devices that you aren’t using – it can help you save more money than you realize! Finally, talk to your insurance agent to see if you qualify for any discounts on any of your insurance policies.

Make a Home Inventory – Maybe you received some nice gifts for the holidays. Perhaps you have a collection of jewelry, electronics, or other valuables already in your home. If so, make this the year that you take an inventory of your belongings. Go through your home and take photos or make a physical list of your valuables. You will want this on hand in case you ever need to file a homeowner’s insurance claim. It will help you figure out exactly what is damaged, lost, or stolen should a disaster occur.

Become a Safer Driver – Resolving to be safer behind the wheel is a win-win situation for both you and the other drivers on the road. Stay focused on your driving at all times – put your smart phone out of arm’s reach, and never drive while drowsy or impaired. Make sure to obey the speed limits, use your turn signals, and give plenty of space between your car and the person in front of you. You’ll find that your driving experiences will become more enjoyable when you take these steps!

Protect Your Identity – Identity thieves are constantly coming up with more ways to snatch your social security number, credit card numbers, and any other important personal information. Prevent identify theft by keeping your information to yourself and shredding any important documents that you need to throw away. Also, never give your social security number or credit card numbers over the phone, and keep a close watch on your bank accounts. If you notice any unauthorized activity, be sure to call your bank right away! Keep in mind that Madison Mutual homeowner’s policies include identity theft protection at no additional charge.

Review Your Insurance Policies – Want to protect your financial livelihood? It’s always a good idea to check your insurance policies to see if they’re up-to-date. Consider making an appointment with your Madison Mutual insurance agent early next year to discuss your coverages. You may be able to save money by bundling your auto and homeowner insurance policies or by increasing your deductibles.

We hope that you have a happy and safe New Year! Don’t forget to call your insurance agent at Madison Mutual to discuss your policies at 1-800-766-MMIC. Learn more about us by visiting us at www.madisonmutual.com!