Month: December 2016

Water Safety Tips for Every Time of Year

Posted on by AgentInsure

Astoria, OR, Linda Dugan Insurance wants you to make the most of life on the water. Throughout the year there are chances to have fun unique to the area, but it’s always important to keep safety in mind. Fun should never come at the cost of health, so keep a few simple tips on the brain when you plan for some watery adventure.

Weather

Oregon is a nice place to stay cool without freezing, but minding the weather is important for safe fun in the water. No matter what time of year it is, if you venture into the waters, keep an eye on storms and rainfall. While a heavy system can create stronger currents and raise water tables, dry spells can be equally dangerous when they expose shelves, rocks and other obstructions. It sounds obvious, but always double check weather reports before venturing into open water.

Gear

While many will shy from a dip in the colder months, there are always adventurous souls out there. Make sure you use a proper wet suit and anything else you need to stay warm. Even in the peak of summer hypothermia can be a threat if you swim long enough, so always prioritize warmth. Even if you’re just looking to wade or do a little fishing, make sure your feet are protected from rocks or submerged debris.

Watercraft

One of the great benefits of living on the coast is the availability of water sports. If you dry dock your vehicles, be sure they are stored properly, and give them a thorough inspection before taking them back to the water. If you leave them docked, regular visits and inspections, especially during winter, will help identify any signs of wear or damage before they become a safety issue. When in use, make sure any craft are properly equipped with life jackets and general safety equipment.

Contact a friendly agent at Astoria, OR based Linda Dugan Insurance today!

 

Why does Location Impact my Car Insurance?

Posted on by AgentInsure

When people in Astoria, OR look for car insurance, there are a few factors that everyone expects to impact their car insurance rates. For example, people with better driving records are likely to receive better rates on their car insurance; however, there are also a few factors that impact car insurance premiums that people aren’t expecting. One of these commonly overlooked factors is location. Location actually plays a big role when insurance companies calculate premiums for car insurance in Astoria, OR. Read below to figure out why!

Everyone understands that certain locations are safer than others. In fact, locations that are safer to live in will receive a lower car insurance rate. It makes sense that a car parked in a safe area has a lower chance of being broken into. This means that insurance companies are less likely to have to pay out claims for car theft and damage in this location. They will reward a car living in this location with a lower insurance rate. Consider the safety of an area before moving because it impacts the well-being of the family as well as car insurance rates.

In addition, some areas have significantly higher costs of living than others. When the cost of living drives up the cost of goods, the cost of car insurance will rise as well. If people are worried about their car insurance rates, they should avoid moving to an area with a high cost of living. Property taxes and real estate taxes will all impact car insurance rates.

People with questions on their car insurance policies should contact Linda Dugan Insurance. Linda Dugan Insurance has a reputation for finding an insurance policy that will meet the needs of everyone. Contact the office today for more information!