ATV Tips For First Timers

Posted on by agentinsure

Owning an ATV for the first time can bring a lot of joy. When you live in Overland Park, there are things that you should know and tips that you should keep in mind to ensure your safety and keep your ATV safe at the same time.

Learn How to Ride

Be sure you know how to ride your ATV so that you are safe on it as can be. Depending upon where you live and how old you are, there may be various safety courses that you can take that will teach you more about the fundamentals of driving so that you can exercise more caution.

File the Necessary Paperwork

Some paperwork needs to be filed with the state, and this includes a permit. You will also want to consider ATV insurance so that you have some kind of recourse in the event that there is damage to the vehicle or even theft.

Be Safe

Be safe at all times. You want to make sure that you are wearing a quality motorcycle helmet, and that you have gloves and goggles on each time you ride. Until you have mastered level services, avoid mountains, mud flats, and anywhere else. It may also be wise to invest in additional protection, including a chest protector and knee guards.

Lock it Up

ATVs are commonly stolen, and you want to make sure that yours isn’t. Whenever possible, you should lock it up inside of a garage or shed. If you have to leave it outdoors, purchase a heavy-duty metal chain and tied to something sturdy on your property.

Call and talk to our independent insurance agent at HighPointe Insurance Services LLC where we can talk to you more about ATVs and how to get the necessary insurance so that you are safe, trails and everywhere else.

 

What Auto Insurance Do You Need When Traveling Abroad?

Posted on by agentinsure

Auto insurance is an important legal aspect of driving safely in the United States. Driving overseas, it is also just as important. While driving overseas, car insurance is more for your own benefit than anything else. Considering that driving laws can be very different overseas from those in the U.S. it is imperative to have auto insurance for your own safety and protection.

Temporary auto insurance is often offered through the car rental company you will be using. However, if you are planning to stay overseas for a longer period of time then purchasing international car insurance is a good plan.

Remember that each country will have different laws governing auto insurance coverage. You will need to do your homework beforehand to make sure you are properly covered with the correct type of insurance.

Types of Auto Insurance

Collision- This covers you when you have an accident involving another car that was not your fault. This type insurance will cover the repairs to your car and often medical bills resulting from any injuring.

Liability- This covers you when you have an accident that was your fault. This pays the victim for damage and injuries, but does not pay for damage to your car or injuries you withstand.

Comprehensive- Comprehensive car insurance covers a variety of incidents which might occur to you or your vehicle. Although collision and liability are two of the most common types of coverage under comprehensive, there are a host of other types of accidents which can occur to damage your car or injury you while driving abroad. Comprehensive insurance is good because it can cover all of these other things which are also real threats. Some of these threats include hail damage, vandalism, striking an animal and many others.

If you would like to learn more about auto insurance please contact us at HighPointe Insurance Services LLC now serving Overland Park, KS.

How To Make A Difference In Your Community

Posted on by agentinsure

You can make a big difference in your community now and throughout the year. You may not realize it, but there are a lot of people who are homeless, less fortunate, and lonely – and what you do can have a profound effect on their lives.

Below are 10 ways you can make a difference.

  1. Donate to a charity of your choosing
  2. Collect non-perishable food items for a local food bank
  3. Put food on the table for a family in need
  4. Spend time with a lonely person by volunteering with Meals on Wheels
  5. Volunteer at a nursing home and spread joy
  6. Donate old coats and clothing to a clothing recycler
  7. Visit the VA to see how you can make a difference in the lives of local veterans
  8. Volunteer to build homes or work in a soup kitchen
  9. Adopt a pet instead of going into a pet store
  10. Donate blood at the hospital or a local blood bank

All of these are ways you can make a difference – and as you can tell, many of them don’t require you to spend any money. You should always look inside your community before donating elsewhere. This ensures you are taking care of your own.

There may be some alarming statistics you weren’t aware of – like more than half of the residents of nursing homes never get visitors from loved ones. A little of your time can go a long way to bringing a smile to someone’s face.

HighPointe Insurance Services LLC agents are standing by, waiting to help you find the right insurance. We’re in the community, which is a great way to support Overland Park local businesses, too. Call today and we can answer any questions you may have and get quotes to help you find an affordable policy.

 

What To Keep In Mind When The Power Goes Out

Posted on by agentinsure

If the power goes out at your home in Overland Park, you need to know what to do. A little bit of preparation can go a long way to keep your family safe, fed, and entertaining for as long as the power may be out.

Food Isn’t Going to Last

Your food inside of your refrigerator and freezer are going to last forever. It’s a good idea to keep a thermometer that doesn’t involve power so that you can keep an eye on temperatures. It is also helpful to fill bottles of water and keep them frozen inside the freezer. This can help to extend temperatures for longer.

You should also plan on stocking your pantry with items that don’t require refrigeration or cooking. Popular items to keep in stock include granola bars, jerky, and peanut butter. Be sure to focus on high nutrient items that your family will enjoy eating for as long as the power is out.

You Need Hot Water

You are going to need hot water for a lot of different things, including purified water, doing laundry, and sanitizing dishes. In order to get hot water, you can keep using a solar oven, a fuel-efficient outdoor rocket stove, or even a grill.

Kids Can Grow Stir Crazy

Kids are often going to be the first to go stir crazy. This is because they won’t have access to video game consoles, TVs, or anything else. Have board games, decks of cards, and puzzle available so that they can keep themselves entertained for long periods of time.

At HighPointe Insurance services we look forward to helping you with life’s events. Your homeowner’s insurance policy can provide plenty of coverage to help you out in Overland Park. Call today and learn how we can help.