Winter Driving Tips for Sandy, Utah

When it comes to keeping your insurance premiums on your vehicles to a minimum, it’s important that you stay as safe as possible on the roadways. Whether it be driving to the grocery store right down the block or traveling across the country to visit family members in Florida, keeping your driving record free of accidents and traffic violations are key to keeping your rates low. Fortunately, there are several tips you can follow to stay safe, even during the wintertime. 

Plan ahead

There’s nothing worse than traveling in winter weather on roads that you aren’t familiar with. And while you can’t always get to where you need to go by taking roads that you’ve traveled before, you can plan ahead and use the Internet to see if there are any roadway issues you need to be aware of. You can learn about everything from construction zones to certain locations that are prone to accidents. 

Have regular maintenance performed

Having regular maintenance performed on your car is not only important for the longevity of the vehicle, but it also helps ensure it’s in tip-top shape when traveling in winter weather. Ideally, you’ll want to have maintenance performed right before the winter season starts. During this maintenance check, ask the mechanic to switch out your tires for ones that are made for traveling in winter weather conditions. You should keep your other tires and have them put back on when the winter season is over. In doing this, you can stay safer on the roadways. 

For more information about driving in winter weather in Sandy, contact Smart Way Insurance Agency today. 

Reasons Home Liability Insurance Is Needed

The moment you become a homeowner in Sandy, Utah, you need to consider homeowner’s insurance. Additionally, you need to look at home liability insurance, which is often included within the policy. You have the ability to increase limits and add to the coverage so that you have sufficient protection.

There are many reasons why you need this coverage, and there are discussed below.

Anyone Can Become Injured

Anyone can become injured in your home or on your property at any time. You cannot plan for these things. If you have a dog, he could easily bite the next person who knocks on your door. A landscaping person could trip in a hole in your backyard. A friend could slip on a patch of ice or fall down a flight of stairs. No matter what happens, you are the homeowner and therefore you are likely to be held legally responsible.

Injuries Can Become Expensive

Injuries can become expensive. It could cause a fatality, resulting in you having to pay death benefits. If a person does survive, and you hope that they do, there could be medical bills, lost wages, as well as pain-and-suffering settlements. These can add up to be a considerable amount of money. However, liability insurance can pay for the costs so that you are not financially responsible for everything.

You Need Legal Protection

If someone sues, you are going to need legal protection. Legal costs can be considerable, and the liability coverage can take care of these expenses on your behalf.

Call us at Smart Way Insurance Agency now to learn about why home liability insurance is such an important form of coverage within your homeowner’s insurance policy in Sandy. We work with great insurance companies in Utah to bring you quality coverage and affordable premiums.