Progressive Snapshot: The Fair Way to Pay for Auto Insurance

Progressive Snapshot: The Fair Way to Pay for Auto Insurance

June 25th, 2015 — Martinson Agency LLC — Chaska, MN

Snapshot is a usage based insurance rating program. This program allows customers to potentially save money based on their actual driving habits. Snapshot gives people more control over how much they pay for auto insurance, and can help people improve their driving habits.

Customers who enroll in the Snapshot Program will receive a small device that plugs into their vehicle’s OBD port. This device will track what time of the day you drive, how many miles you drive each day and how often you drive between the hours of Midnight and 4:00 am. It does not track your location or speed, however it does make note when you break quickly or stop abruptly.

Progressive requires the Snapshot device to be in your car for a minimum of six to eight weeks and in certain cases up to six months. Typically, people who have short commutes to work and rarely drive between the hours of midnight and 4:00 am score the best and end up receiving the best discount. The good news about the Snapshot program is that it cannot be used against you. At no time will your insurance premium increase because of the data gathered by the device.

Please give the Martinson Agency in Chaska, MN a call today in order to learn more about Progressive Auto Insurance and the Snapshot Discount!

Don’t leave your insurance to luck! Call today!

Phone: (952) 314-4400

Email: jphagen@aibme.com

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Car Safety for Pets

Car Safety for Pets

June 11th, 2015 — Martinson Agency LLC — Chaska, MN

Summer has officially arrived in Minnesota and that means that road trip season is upon us! Car safety is important this time of year and often times we forget our four-legged friends. Many just assume that cats and dogs roaming free in your vehicle is an accepted practice and while it may not be against the law, it doesn’t mean you shouldn’t consider these important safety tips while traveling with your pet.

1. “DO NOT let your pet sit on your lap” We’ve all seen it. And sure its cute. Sure, the car next to you may look over and wave. But it isn’t safe. And it shouldn’t happen. Not only does this put you and other drivers at risk, but it puts your animal at risk as well.

2. “Consider a pet carrier for cats and smaller dogs” Many times smaller animals can be more distracting while on the road because they can move though out the vehicle quicker and fit into smaller spaces. Using a pet carrier restricts the freedom your pet has while providing comfort at the same time.

3. “Use a travel barrier” A travel barrier works great for animals of all shapes and sizes.  This is a simple option that keeps your pet in the backseat. Most barriers are adjustable so you can customize it to meet you and your animal’s needs. Don’t forget to turn on A/C in the back to keep your buddy cool and comfortable throughout your trip!

4. “DO NOT leave your pet in the vehicle on a hot day” This is another that seems obvious and yet something that happens all too often. Your dog or cat doesn’t have the freedom of turning on the A/C if they start to overheat so don’t put them in this position. You have options. Have a fellow passenger stay with the dog while the vehicle is left running. Take the dog out of the vehicle while you are making a quick stop. If you must leave the animal alone for a moment, make sure that the windows are left open enough for proper air flow. But please, make it quick!

5. “Remember: Not all animals enjoy car rides” Sure, some animals love going for a car ride. But please remember that not animals feel the same. They may become fearful, anxious or car sick and all of these issues can lead to distracted driving. If you own an animal that hates the car, please avoid long road trips. Obviously, some situations are unavoidable and in this case be sure to make your pet as comfortable as possible before you hit the road.

Traveling can be an enjoyable experience for your family and your pet this time of year. Just please consider the safety of not only your family, but the safety of others on the road as well. Make sure that before you hit the road this summer, your pet is comfortable and relaxing in a safe place.

Don’t leave your insurance to luck! Call today!

Phone: (952) 314-4400

Email: jphagen@aibme.com

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The Rules of Calling Shotgun

The Rules of Calling “Shotgun”

May 21st, 2015 — Martinson Agency LLC — Chaska, MN

Calling “Shotgun” is the act of claiming the front passenger seat of a car for yourself. Since this is the most coveted spot, this list of rules has been created to ensure that Shotgun can be acquired in a fair and equitable manner by any passenger of the automobile (except the driver, of course).

Section I: Making The Call

  1. The shotgun caller must be in clear sight of the car (even if the driver isn’t).
  2. “The Deed” – Any activity that directly precedes the ride, ex. stopping for food, visiting a friend ect. Accepting this concept is important because it establishes a shotgun-calling time frame that ensures everyone has an equal opportunity to start calling.
  3. When simultaneous shotgun is called, a footrace will follow. The first person to touch the passenger door handle wins.
  4. Shotgun must be called outdoors. If the deed takes place indoors, the deed is “done” only after you have left the building in which the deed took place.
  5. Once shotgun has been called for the front seat then back left and back right can be called. This leaves the slowest person to travel in the middle.
  6. Anyone calling shotgun much have shoes on. This prevents opportunistic people from running outside and calling shotgun, then having to go back inside- slowing down the journey.

Section II: Duties and Losing The Privilege

  1. First and foremost, the shot gunner must be awake for the duration of the journey and engage the driver in conversation to keep him/her awake.
  2. If the shot gunner attempts to open the door just as the driver is unlocking it and jams the lock half open so that driver needs to unlock again, the shot gunner forfeits their position. This is known as Shotgun Suicide.
  3. The shot gunner is responsible for all gate opening, food ordering and question asking. They are in essence the copilot and therefore the enforcer of behavior in the vehicle and exacter of slaps, punches, water spraying and bag throwing at the passengers in the back. (Only when the vehicle is stopped of course. SAFETY FIRST!)
  4. The shot gunner is responsible for tending to the driver’s text messages. Driver’s text messages pertaining to the final destination or that day’s plans must take precedent over all of the shot gunner’s texts. Any abuse of this power will result in a one-month ban from riding shotgun.
  5. The shot gunner does not have the right to correct the driver of their navigation skills or driving ability.
  6. The driver is, of course, the controller of music. But if they feel the road requires their full attention, duty is passed to the shot gunner. Putting on crap music or allowing for silence when the iPod finishes a song will result in demotion to the dreaded back middle seat.

Section III: No Contest

  1. If the regular driver of the vehicle is unable to perform their duties, then they are automatically given shotgun.
  2. If one of the backseat passengers is seriously ill (flu or worse) or has had a recent life event that deserves sympathy (ex. pet died), then this person should be offered shotgun. Known as the “pity rule”, and can only be used once per illness/event.
  3. If passengers are picked up separately and you are the first, you are automatically given shotgun. You retain this position unless you lose (see Section II) or any other Section III condition is met.
  4. If only one person knows the way or has a smartphone with GPS, then they are deemed designated navigator and automatically given shotgun.
  5. If one of the potential occupants of the vehicle is dressed (convincingly) as a pirate then they are given automatic shotgun. In the event of more than one pirate being present, a sword fight shall determine the successful shot gunner. This is known as the Pirate Rule.
  6. When traveling with a couple, one member of said couple MUST take shotgun. No one wants to chauffer two of their mates whilst they are in the back all over each other.

Section IV: Driver Powers

  1. Once shotgun has been called the driver has the option to yell “reload”. All previous calls of shotgun are void and the contest restarts. This is helpful when the driver really doesn’t like the shotgun winner. *Note that a shotgun has only two barrels so a reload can only be called once.
  2. The driver may declare “Survival of the Fittest” prior to any shotgun call. The passenger seat will be decided by whoever can take it by force.

Section V: Concluding Notes

  1. “Shotgun” overrules Dibs, Baggsies and other inferior terms.
  2. If someone asks, “What’s Shotgun?” after it has been called then they have to walk, regardless of distance.

Article courtesy of www.distractify.com (http://distractify.com/abby-s-marino/rules-for-shotgun/?v=1 )

Don’t leave your insurance to luck! Call today!

Phone: (952) 314-4400

Email: jphagen@aibme.com

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Auto Insurance & Road Trips: What You Need to Know

Auto Insurance & Road Trips: What You Need to Know

April 23rd, 2015 — Martinson Agency LLC — Chaska, MN

Summer is right around the corner. This means that families are beginning to gear up for their much anticipated summer vacations. Nothing says family quite like ROAD TRIP! Eight in ten leisure trips are made by car according to the U.S. Travel Association. This means that there will be plenty of people traveling long distances by car. Before you head out you must be sure that your auto insurance is in check.

Adding roadside assistance could be a decision that saves your road trip. Imagine this, it’s late at night and you’re driving in the middle of nowhere. The rest of your family is sound asleep throughout the car and BOOM! Your front tire pops. What’s next? If you have roadside assistance on your policy, help is on the way. Roadside assistance is an extremely affordable coverage and it can get you out of an abundance of issues that would derail your road trip. Call Martinson Agency to make sure you have roadside assistance coverage on your auto insurance policy today!

Also, make sure that your auto insurance ID card is in your car. This card will provide you with any contact information that you may need in the event of an accident or a traffic violation. The reason you need your auto insurance ID card in situations like this is to prove that you are, in fact, insured. By failing to prove this, you could acquire another fine and ticket.

Road trips can be a great time for a family to bond and travel the country together. Before your departure, call Martinson Agency to make sure you will have the assistance in the nastiest of situations!

Don’t leave your insurance to luck! Call today!

Phone: (952) 314-4400

Email: jphagen@aibme.com

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