RV Safe Driving

Tips for safe driving in your RV

With spring just around the corner, it’s a great time for a “spring break” RV trip. Whether you’re heading to Hayward or planning your getaway a lot farther from home, you’ll want to make the trip safely.

At Mower Insurance, we want you to travel safely too. Here are some great tips to help you get out there and back without worry, because nothing can ruin an RV trip faster than trouble on the road.

First, know your ride — even if you’re just along for the ride

Of course, knowing the features (and limitations) of your RV is the first step to safely driving it. Are you towing a car? Be mindful of how that will affect your stopping power and maneuverability. Know the dimensions of your vehicle to help with parking and any tight spots you might encounter on the road. Make sure you know that you can fit under the overpasses and bridges on your route.

And even if you’re just a passenger, it’s a good idea to learn how to drive the RV as well. You might need to take over in an emergency or other situation.

Maintenance, maintenance, maintenance

Just like a car, keeping your RV well-maintained is extremely important. Are your tires in good shape and properly inflated? If you’re towing a car or boat, do you need additional braking power? Are your mirrors angled correctly? Is your safety equipment (for example, your fire extinguisher) in good working order? Doing a walk-around and conducting some quick checks before you leave can save you a lot of frustration down the road.

Down the road!

Your RV is much bigger than a car, of course, and that means you need to act more carefully when you’re driving it.

·         Know your blind spots and use caution when changing lanes, merging or turning.

·         Be patient and aware at all times. Consider installing a rear camera to help give you a complete picture of your surroundings.

·         Other vehicles may act aggressively to get around you, and sometimes will cut you off once they have passed. Prepare for these situations and understand that many drivers don’t realize that you need additional space in front of the RV.

·         Because your vehicle is far heavier than others, it picks up speed faster when going down hills or mountain passes, so keep an eye on that speedometer.

What about parking?

·         It’s best to have someone to guide you into a parking spot. If you don’t have anyone with you, check out the area before you try to pull in.

·         Practice turns and backing up before you leave on your trip.

·         Of course, never park for the night in an area unless you have approval or know that it’s safe.

Need to learn more?

Consider taking an RV driving safety course, if possible. At the very least, practice in a large parking lot before hitting the road. Taking a little time to learn how best to drive your RV or improve your skills can have a big impact for you and your family!

Sidebar:

You’ll find a lot of helpful resources online for RV owners. We like:

·         Good Sam Club at www.goodsamclub.com

·         Family Motor Coach Association at www.fmca.com

·         The list of RV clubs at www.rv-clubs.us/rv-clubs.html

·         Great safety tips at www.safeco.com/rv-insurance/rv-safety-tips

Remember to give us a call at 715-723-5525 when you need coverage for your RV or anything else. We’re here to help!

Convertibles

Put the top down and hit the road in Chippewa

The call of the open road is at its strongest during the summer - and so is the call of the convertible. If you’re one of those drivers who has long dreamed of dropping the top and heading across Wisconsin, Minnesota, and beyond, we here at Mower Insurance have some buying tips for you.

And before we forget, make sure you’ve got plenty of sunscreen!

Safety considerations

Of course, you want to be safe when driving your new car, so here are a few things to look for in a convertible, according to Edmunds.com.

·         Roll bars: Generally, convertibles offer some sort of roll bar to protect passengers should the car roll over.

·         Airbags: Side airbags that deploy from seats can be an optional feature on less-expensive convertibles and something you should consider. Some of these airbags offer extra protection for the head.

·         Rear-view cameras and sensors: When the top is up, it can be difficult to see out of the rear window. Cameras and sensors can provide added safety.

Hard or soft top?

You have two main choices when it comes to tops: Soft, which can result in more road noise and may be more susceptible to damage, and hard, which often look better but add weight and take up more trunk space when down. (A third option is a completely removable hard top, such as those found on some Jeeps.) This choice is largely a matter of personal preference, though cost can be a factor.

You’ll also want to test the top for leaks - regardless of whether it’s a soft or hard top. Spray water where the roof connects with the windshield and where the glass meets the roof along the sides. You’re looking to make sure no moisture gets inside.

Everyday issues

If you’re planning to drive your convertible frequently (and why wouldn’t you?), there are some practical things you should take into consideration:

·         Wind noise: When you have the top down at Wisconsin’s highway speeds, you might find it difficult to hear the stereo system. If you’ll be driving a lot with the top down, getting the upgraded stereo might not be worth it. Then again, a better stereo can have more power, allowing you to actually hear your music.

·         Putting the top up/down: A motorized top, of course, makes everything easier. But they are more complex. Be sure to test out the top and how long it takes you to put it up or down, especially if it’s a manual process. After all, if it starts raining suddenly, you want to be able to get the top up as quickly as possible!

·         Luggage space: Most convertibles aren’t large to begin with, but trunk space is even smaller when the top is down. If you plan to take your convertible on vacation (or pack golf clubs or other bulky items), it’s a good idea to really take a hard look at the trunk space before you buy.

·         Passenger space: Do you need to take more than one passenger on many of your drives? If so, a roadster (two seats) isn’t an option. But even if the convertible you’re eying has four seats, hop in back and check the comfort level. If you aren’t comfortable, your passengers probably won’t be, either.

Special features

According to Edmunds.com, there are certain features that truly make a difference in convertibles, such as wind deflectors, heated/cooled seats and sun-reflective upholstery. Certain features, such as heated seats, can make your convertible much more comfortable to drive on cooler days in Chippewa.

Above all, you’ll want to choose the convertible that best fits how you’ll use it. If you’re lugging golf clubs (and golf buddies) around in the summer, you probably don’t want a roadster. Conversely, if your idea of a great weekend is to toss a duffle bag in the passenger seat and hit the road, smaller may be better.

One of the great - and annoying - things about buying a car is the sheer number of options out there. But if you get frustrated, remember one thing: You’re buying a convertible. Your friends are probably envious!

And when you buy that convertible, give us a call. We’ll make sure you’ve got the right coverage - and we’ll probably be envious, too!

Spring Motorcycle

Is a motorcycle right for you?

As springtime approaches, you probably notice something in addition to the warmer weather and blooming flowers: more motorcycles on the roads of Western Wisconsin.

                           

Riding looks like a lot of fun, doesn’t it? Just imagine heading down 29 with the sun shining and the road stretching out to the horizon. There are other benefits motorcycle riders enjoy as well, such as lower fuel costs and easier parking; but riding a motorcycle safely requires different skills than driving a car.

If you’re thinking that this is the year you’re going to buy your very own bike, let us at Mower Insurance help you determine if a motorcycle is right for you. We’ve provided some questions below that the Motorcycle Safety Foundation recommends you honestly answer before becoming a bike owner.

Are you a risk-taker? Or are you safety-minded?

Think about how you drive your car. If you have aggressive tendencies or do things like talk on your phone while driving, a motorcycle probably isn’t for you. Motorcycles lack the protection that cars can provide in an accident, so driver focus and caution are extremely important.

How is your vision? What about your balance and coordination?

It’s extremely important that you see well – peripherally and in general – when riding a motorcycle. Motorcycles are not as visible as other vehicles on the road, so riders need to be alert and aware at all times. And, of course, riding requires balance and coordination, much like a bicycle. If you’re not great on non-motorized two-wheelers, you might want to think again about motorcycling.

Do you respect dangerous machinery?

When you use a chainsaw or other equipment that can cause harm, do you always follow the instructions and wear the proper safety gear? If not, a motorcycle probably isn’t right for you. Maintenance and protective equipment is vital to riding safely. What you might be able to get away with when driving a car or using power tools could lead to a tragic outcome on a motorcycle.

Are you willing to invest in riding safely?

The best way to stay safe on a motorcycle is to invest some time before you get on the bike. Take a safety course and learn how to ride the right way. Purchase the right gear, including approved helmets and padded clothing. And learn about properly maintaining your motorcycle.

If you’re prepared and commit to safe riding, motorcycling can be a great way to get around. The freedom you’ll feel on the road is different than driving any car, which is just one reason millions of people find riding to be incredibly rewarding.

And when you’re ready, we are too! Feel free to give us a call at 715-723-5525 to discuss your motorcycle insurance options as well as safety tips!

Sidebar:

Motorcycle safety resources

There’s a lot of great information out there about safe riding. We’ve just scratched the surface. To read more, check out:

·         Motorcycle Safety Foundation: http://www.msf-usa.org

·         SMARTER: http://www.smarter-usa.org

·         Safeco Insurance motorcycle page: http://www.safeco.com/motorcycle-insurance/do-more

Mother's Day Gifts

Pamper Mom and make a difference this Mother’s Day

Having trouble dreaming up a special idea for a Mother’s Day gift this year?  The second Sunday in May is fast approaching, and while traditional gifts like flowers, jewelry and breakfast in bed are always appreciated, why not give mom a gift that gives back this year… one that makes not just her day, but that of someone in need?

Luckily, options for gifts that care abound.  At Mower Insurance Agency, we want to share some of our favorite feel-good gift ideas that both pamper mom and make a difference.

·         Soap that saves lives. Let your mom indulge with a monthly delivery of LifeSoap (www.lifesoapcompany.com) –luxurious, organic, beautifully scented soaps whose sales help fund clean-water projects in the developing world.

·         A shoe in.  Buy her a pair of Crocs (www.crocs.com) or Tom’s (www.toms.com) fashionable women’s shoes, and support efforts that put shoes on the feet of people who don’t have the means to buy them.

·         Daily inspiration… and style. Give your mom a more inspired look—and life—with Beckons Organic Yoga Clothing (www.beckonsorganic.com). With four collections to suit every body type, each Beckons garment bears an inspirational “intention tag,” and the company donates clothing to organizations like the Samburu Tribe of Africa, the Women’s Resource Network, and Community Closet, among others.

·         All chocolate… no guilt! Vosges Haute Chocolat (www.vosgeschocolate.com) is produced using 100 percent wind energy—not to mention it’s melt-in-your-mouth delicious, 100% organic, and utterly divine.

·         Shopping with meaning. If you want to shop more broadly for socially responsible gifts, visit www.shopwithmeaning.org, where you can shop by category or by cause. 

·         Brunch… with a twist.  Instead of taking Mom out for a fancy brunch, make it a potluck and send the money you save to Dining for Women, a nonprofit that sends your “dining out” dollars to programs that empower women worldwide.

Whatever you decide to give, and however you celebrate the second Sunday in May, we at Mower Insurance wish you and your mom a wonderful Mother’s Day!

Motorcycle Safety

Ride safe with these motorcycle tips

Motorcyclists know that riding gives them a freedom that driving a car just can’t match. But the best riders also know that motorcycles require more focus to operate and don’t provide the same protections cars do in the event of a crash. The best riders also take great care in all situations, whether they’re in heavy traffic on 53 or 94, stuck in the rain or just taking a quick ride on a perfect day.

If your habits aren’t as safe as they could be, or if you’re new to motorcycling, don’t worry! Instead, take time to improve. The quick safety tips below are a great place to start.

Want more? Check out the Motorcycle Safety Foundation (http://www.msf-usa.org) or the American Motorcyclist Association (www.americanmotorcyclist.com). And remember to give us at Mower Insurance a call at 715-723-5525 when you need to get coverage for your bike (or your home or auto, boat or more)!

First things first

·         Wear proper safety gear and, most importantly, a helmet – no matter how short your trip may be.

·         Make sure you can be seen by other motorists. Make it easier for them by wearing reflective clothing, always using turn signals (and perhaps hand signals as well) and keeping your headlight on.

·         Even when taking the above precautions, stay alert and assume that other drivers don’t see you — especially at intersections and when making lane changes or passing.

·         Be patient. Don’t tailgate, and if someone is tailgating you, get out of their way.

·         Don’t ride after drinking or taking any medications that could impair your abilities.

Riding at night

·         Again, make sure you’re visible — particularly at dusk. Consider upgrading your headlight or adding other lights to your ride. Is your bike black? What about your clothing? Both will make you more difficult to see at night.

·         Your vision needs to be clear, so keep your visor or goggles clean and free from scratches. If you don’t use face or eye protection, consider it.

·         Carry a flashlight or other emergency gear with you so a mechanical problem doesn’t leave you stranded — and invisible — on the side of a dark road.

Bad weather?

·         Keep rain and cold-weather gear handy. Riding isn’t just more enjoyable when you’re warm and dry — it’s safer, too.

·         Use extreme caution when it first begins to rain, as the roads are most slick at that point. Pull over and wait if necessary. It’s better to be late than ride in unsafe conditions.

We wish that all of your rides could be on sunny days with wide-open roads, but we know that’s not going to happen. So think about safety every time you start up your bike!

Classic Car Show

Make the most of a classic car show

As the weather warms, you’re likely to start seeing announcements for classic car shows in our Eau Claire suburbs.  These automotive events are a great way to kick start your weekend or vacation. Classic car shows are held all across the country, from small rural towns to large metropolitan areas, and they draw classic car enthusiasts from near and far.

Some people attend classic car shows as spectators to check out unique and rare vehicles. Others go to connect with fellow car buffs or to show off their prized possession. And some attend shows to shop or to sell.

Whether you’re planning to shop, sell, show, or just go, here are some tips for making the most of a classic car show.

·         Family fun. Larger classic car shows typically feature entertainment, food vendors, raffles and more. Bring the whole family for a day of fun.

·         Plan. Take note of the event schedule, plan before you go, and make sure you’re aware of the hours for check-in.

·         Be the early bird. If you’re entering your automobile in a competition, sign up early. Most are limited to a certain number of entries, and it’s usually first come, first served.

·         Know the value.  If you are planning to sell or buy, you must be well versed on the value of the vehicle and the market conditions. Buying or selling a car—especially a classic—can be an emotion-driven experience. Knowing the facts is essential if you are to get the right deal.

·         Need parts? Some larger car shows also feature a swap meet. Before you go, research the show and take note of car accessories and parts you might need.

·         Get some rest. Larger car shows can sprawl for miles upon miles. Make sure you’re rested, hydrated, and fed so you have plenty of energy for a long day of roaming.

·         Pack a bag. Be prepared to get the most out of the day by bringing along what you might need for the weather – from coats to sunscreen – and for your basic needs – from water to snacks.

Whatever your reason for attending the next classic car show, we at Mower hope these pointers will ensure you make the very most of it.

RV Gadgets

Useful tools to enhance your RV experience

You know that taking to the road in your RV is fun – that’s why you do it! But vacationing on the road can have its troubles, like dead batteries, flat tires and missed destinations because of wrong directions. Wouldn’t it be great if there were tools and gadgets to help avoid these situations?

We at Mower Insurance Agency want to help make your RV trips not only easier but also better, whether you’re headed to Yellowstone or just Pine Harbor Campground. So we’ve found some handy items to help do just that.

GPS

We know this isn’t exactly a “new” thing, so why not make the most of your RV trips by knowing exactly where you’re going? Your family will thank you. And some GPS models even show restaurants and other attractions.

Portable battery charger

A dead battery will bring your trip to a quick halt, so make sure you can charge up in an emergency. Some portable chargers are solar-powered and include air compressors to pump up a flat tire.

Tire monitors

A flat tire not only can ruin a day’s drive, it also can be dangerous. That’s why it’s so important to maintain your tires and make sure they’re properly inflated. RV tire pressure monitoring systems alert you when you have a tire running low so you can fix the situation before it gets worse.

Power inverter

These days, everyone has something to charge — from phones to laptops and even e-readers. There are tons of options for inverters that provide portable power, without using your generator, so your devices are ready to keep you connected and entertained.

Silicone cookware

A “must-have” for many RVers, silicone cookware is renowned for nonstick performance. Stacked pieces also don’t rattle while you’re on the road.

Satellite TV

Perhaps you’re RVing to escape “regular” life, including TV. But if you just can’t live without it, you have several choices from dishes that attach to the RV to portable models.

Games

Packing a few games is a great idea for when the weather doesn’t cooperate with your vacation or if you just want to make some new friends at the campground. Classic board games are a fun way to spend a rainy day, and it’s always a good idea to have a deck of cards or two around. Outdoor games like Cornhole (also known as “beanbag toss” or “bags”) are sure to get your competitive juices flowing.

Where to find gadgets for RVing

Of course, there are thousands of useful tools that we just don’t have room to list here – kitchen gizmos to barbecue grills, solar panels to RV tracking systems. Any of these gadgets could improve your experience, whether you’re headed across the country or just across the state! Your local RV dealer likely has more than a few accessories to help you, so they’re a great place to start. Sites like amazon.com and campingworld.com have a lot to offer as well.