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Michigan Insurance Blog

How to Protect Your Car in the Summer Heat

Parking in the SunIt’s the first day of summer, and the weather is already heating up fast! And while most Michiganders know tips for protecting their cars from the snow, many forget that extreme heat can take a toll on your car as well. Delicate interior components are particularly susceptible to cracking or warping if overexposed. While some people have the luxury of covered parking, the majority of us are forced to park under the sun’s sweltering rays. Follow these tips for keeping your car in the best shape possible during the summer heat.

  • Find shade: If possible, park in a shady spot. Whether it’s a garage, under a tree, or even just a shadow cast down from a building, any little bit helps. If you must park in direct sunlight for a long period of time, consider using a windshield shade to block UV rays from damaging your dashboard or a car cover for more complete protection, including blocking the oxidation of your paint job.
  • Leather and vinyl care: Your seats and other internal components can crack or dry out under the hot sun. Luckily, there’s an array of commercial products available to block these nasty effects. Leather conditioners, protectant wipes and even wax/polish for your car’s exterior can all prevent heat damage.
Car Dashboard
  • Tint the windows: Tinting your car’s windows helps reduce the interior temperature of the vehicle and prevents damage caused by UV rays. Michigan does have laws restricting tinted windows; if you’re unsure whether you’re in compliance, be sure to check out the Michigan State Police guidelines to be certain your windows follow state law. If tinting isn’t an option, it can be helpful to at least leave your windows cracked open a bit to vent out some of the heat while you’re away.
  • Check the coolant: Regularly check the radiator for proper pressure and coolant levels and adjust as necessary. It’s also a good idea to inspect the hoses for cracks or bulges, which may need to be repaired.
  • Battery life: Extreme heat can cause fluid evaporation and reduce the life of your battery. Test its charge regularly, keep the top of the battery clean and, if you have the type of battery that needs liquid, top it off with distilled water when necessary.
  • Keep it cool: The air conditioning system is forced to work on overdrive during summer. It’s a good idea to have it inspected to make sure everything is working as it should. Additionally, check the air filter and replace it if it’s dirty.
  • Plan your errands: To keep your car out of the hot sun as much as possible, plan your errands during the morning or evening, when it’s cooler outside.
  • A warning: Remember, the sun’s rays pass through car windows and rapidly heat the interior. Never leave a child or pet unattended in a parked car! Doing so can result in heat stroke, dehydration or even death.

Have you found an effective method to keep your car cooler in the harsh summer sun? We’d love to hear your tips and tricks in the comments below! And for more helpful articles, be sure to subscribe to our newsletter!

5 Tips for Safe Family Boating

Boating on LakeIt’s Michigan Boating week! And that means families everywhere in the Great Lakes State are starting to hit the water as the weather heats up. While being out on the water together is a favorite summer pastime for Michigan families, it’s important to remember that when you mix kids and boats, safety becomes even more important. So while you’re spending some time on the waves, follow these tips to keep your boating experience safe and problem free:


1. Life jackets on everybody


Children usually protest less about wearing their life jackets if they see the adults wearing them as well. And if older boaters have concerns about comfort, people over the age of 16 have the option of choosing the new Coast Guard-approved auto-inflating vests. These are more comfortable because they sit close to the body, and they only inflate if you pull the ripcord. And they may be an easier sell for more fashion conscious teenagers.


2. Bring a child-comfort kit


Your boat should already carry a first-aid kit, but there are some extra items you’ll want to bring along for your children’s safety and comfort. Sunscreen and sunhats are important, but you may also want to bring an over-the-counter seasickness remedy or chewable antihistamines. Bringing a set of dry clothing and some familiar music or comforting toys may be helpful for younger children if nap time beckons. Younger children can get worn out boating all day; avoid a meltdown at sea and be prepared with items that help comfort your child. Helping an overly-tired child have a nap may be a simple way to avoid accidents.


3. Check the weather forecast


If you’re planning to be out in open water, especially large lakes, weather is a serious factor that has to be taken into account. Besides simply ruining a beautiful excursion, bad weather can pose many safety risks. Wind is the most common danger, but electrical storms can pose serious risks to smaller boats that aren’t constructed with a lightning protection system in place. Too much sun can present a safety problem as well, so it’s crucial that you ensure that all passengers have access to shade and that there is plenty of fresh drinking water on board.


4. Skip the alcohol

Boats are vehicles, and over one-third of boating accidents result from a driver who is under the influence of alcohol. Drinking may even create greater risks for boat operators than it does for automobile drivers since the stresses of sun, vibration, engine noise, motion and spray intensify the effects of alcohol. Furthermore, most recreational boaters are relatively inexperienced, since they haven’t spent many hours operating the boat and thus have fewer driving reflexes. Every state has criminal statutes forbidding boating while under the influence (BUI), and if you do get into an accident, you may be subject to stiff fines or criminal charges. You wouldn’t drink and drive, so why would you drink and boat?


5. Fuel and exhaust safety


Before you start out, double-check your fuel gauge to make sure you have plenty of gasoline; nothing ruins a day on the lake like having to call for a tow! Also, if your boat has indoor areas, it’s important to make sure that all exhaust is properly vented. Boat engines produce carbon monoxide, and small enclosed cabins are not safe places for operating propane heaters or camp stoves.


Practicing responsible boating is the best way to keep your loved ones safe on the water, as well as avoiding boat damage and liability. Even with the best of intentions, however, we know accidents may happen. Call us today at 616-897-1515 for more information about your boating coverage or with questions about insuring yourself and your boat today!

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Alliance Sponsors 2016 Season of Boys Lacrosse

ALLIANCE SPONSORS 2016 SEASON OF BOYS LACROSSE

Alliance Insurance is proud to be a Gold Sponsor for the 2016 season of the Lowell High School Boys Varsity Lacrosse Team, the Red Arrows.

Learn more about Red Arrow athletics by visiting www.redarrowathletics.com.


Alliance Cares is our initiative for community involvement and charity partnerships. Learn more about how our agency gives back and stays involved in our community!

Alliance Donates to Kids’ Food Basket – Check Presentation

Kids Food Basket Check Presentation



ALLIANCE INSURANCE DONATES $470 FROM QUOTES FOR A CAUSE
® TO KIDS’ FOOD BASKET

On June 8th, 2016, Alliance Financial & Insurance Agency was proud to present a check to Kids’ Food Basket for $470 to benefit elementary children in food-insecure households in West Michigan. This was the inaugural donation of what will be bi-annual check presentations.


Kids’ Food Basket serves approximately 7,500 meals per day to children (ages 5-12) in need in West Michigan. Today’s donation is equivalent to 470 Sack Suppers, or 470 children  fed for a day.


Alliance is proud to support this organization through monetary donations as well as volunteer hours. Alliance employees have been excited to get involved by donating their time with monthly volunteer shifts at Kids’ Food Basket in Grand Rapids.


As of today, Alliance has donated $930 to local charities through its
Quotes for a Cause® program. 


Quotes for a Cause® is Alliance Financial & Insurance Agency’s charity partnership program. Through this program, Alliance donates $10 to its charity partners for each new customer’s online quote. Click here for more information on this program and how to get involved.



Kids' Food Basket
About Kids’ Food Basket
Kids’ Food Basket is a nonprofit organization attacking childhood hunger to help young people learn and live well. They began over ten years ago by serving 125 kids each school day through their Sack Supper program and now serve nearly 7,000 kids each weekday in West Michigan. Sack Suppers are well-rounded nutritious evening meals critical to the development of kids’ brains and bodies. Learn more


Alliance Cares is our initiative for community involvement and charity partnerships. Learn more about how our agency gives back and stays involved in our community!

Alliance Donates to Mel Trotter – Check Presentation


ALLIANCE INSURANCE DONATES $460 FROM QUOTES FOR A CAUSE® TO MEL TROTTER MINISTRIES

On June 8th, 2016, Alliance Financial & Insurance Agency was proud to present a check to Mel Trotter Ministries for $460 to benefit the hungry, homeless, and hurting of the greater Grand Rapids area. This was the inaugural donation of what will be a bi-annual check presentation.

In 2015 alone, Mel Trotter provided over 84,000 bed nights for men, women and children; served over 134,000 hot meals; assisted over 200 families find permanent housing, and much more. Today’s donation from Alliance is equivalent to approximately 230 men, women, and children fed and cared for in the greater Grand Rapids area, contributing to Mel Trotter’s large bank of resources. 

As of today, Alliance has donated $930 to local charities through its Quotes for a Cause® program. 

Quotes for a Cause® is Alliance Financial & Insurance Agency’s charity partnership program. Through this program, Alliance donates $10 to its charity partners for each new customer’s online quote. Click here for more information on this program and how to get involved.

 



About Mel Trotter Ministries
Mel Trotter Ministries is a non-profit organization which exists to demonstrate the compassion of Jesus Christ toward the hungry, homeless and hurting of the greater Grand Rapids area. Through its many Programs, Mel Trotter serves individuals through its emergency shelter, food pantry, clinics, retail stores and its 4×4 Program which transitions homeless guests into permanent housing and employment. By extending hospitality and a bank of resources to men, women and children, we believe that through the power of Christ, we can bring an end to homelessness one life at a time. Learn more  


Alliance Cares is our initiative for community involvement and charity partnerships. Learn more about how our agency gives back and stays involved in our community!

Driving Apps for Your Teen Driver

Texting while driving

You watch your teen bound out of the door every day, car keys in hand, loving the new independence that a drivers license brings. But you can’t help but worry. You know you can’t shelter your teen from every driving risk they face, but you still want to make sure your young driver is as protected as possible.

While parents can’t remove every risk from their children’s path, they can help to encourage good driving habits. And one of the most dangerous habits that teens are susceptible to involve their cell phones. But how can you control that, short of confiscating phones!? Luckily, today there are many apps available to help minimize the risks of distracted driving and the temptation of cell phones while driving. 


Disabling Texts Apps

Texting is as disorientating as driving intoxicated, but luckily there are apps out there that can disable your teen’s ability to read or send texts while they are in a moving car. Key2SafeDriving  and TextArrest are two examples. Some apps, like Drivesafe.ly Pro speak texts aloud and allow your teen to speak an auto response that the device sends on its own.

Riding Shotgun Apps
Anxious parents may wish they could monitor their teen while they drive on their own, and now you can! The Safe Driver app can send a text message to you every time your teen passes the speed limit in a given area. While this certainly helps you monitor your teen, it might also be the push your child needs to stay alert about the speed limit and avoiding accidents when they drive.

Phone Call Restrictive Apps
Sometimes taking a call, making a call, or even just talking on a cell phone can be enough to distract your teen from driving safely. The apps ZoomSafer and Key2SafeDriving can lock and prevent your teen’s access to their phone’s calling feature while they drive.

Texting while drivingEducational Apps
Some apps can actually help teach your teen on how to drive safely, provide different tips, and react correctly to dangerous situations. The Dangers of Distracted Driving app demonstrates to teens how quickly accidents can happen while driving distracted. To give kids an interactive lesson in safe driving practices that they can apply when they drive, there’s The Steer Clear Mobile app.

There are plenty of apps coming out that can help your teen be a safer, more accountable driver. Be sure to check that your teen isn’t downloading apps that distracting your teen even more than they might already be. These apps can be an enormous sigh of relief for worried parents with new teen drivers. 

There will always be risks that go along with driving. But do yourself a favor – your teens may have newfound independence, but you can still have peace of mind. 

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How to Prepare Your Yard for Spring

Preparing your Yard for Spring
For people living in a mild climate, their, springtime lawn care may only mean a few simple touch ups when spring arrives. But here in Michigan, our colder climate can make the job a bit more daunting. After spending months covered by blankets of snow, your yard may need some extra help coming back to life. Here are some tips to get back your healthy, hearty springtime lawn.

Create a Clean Slate
As the snow melts and spring starts blooming, it’s time to revive your yard from its slumber. Start by raking away debris, such as leaves, sticks and other dead vegetation, to give you a fresh palette for a new greenery creation. As a bonus, raking also loosens the soil surface, which encourages airflow and allows nutrients and new seeds to penetrate the soil.

Next, mow your lawn short so you can spot problem areas that need a bit of tender care. If you find bare spots, rake or till them to break up the soil. You can also add peat moss to enrich the soil and promote fresh growth. If you find any areas heavy with weeds, spray them with a nonselective herbicide designed to kill all plants, using caution to spray the problem areas only. When using lawn chemicals, wear appropriate safety gear—gloves, boots, long pants and long sleeves—and wash after use. After the weeds have died (this will usually take several days), rake the soil and remove the debris as you did before.

Spring Flower

Start fresh! 
Now you’re ready to reseed. Focus on bare spots and areas with weak grass growth, mixing the seed with fresh soil before spreading. When it comes to watering, it’s better to saturate your lawn fewer times per week than it is to use a small amount of water every day. This technique helps train the grass roots to grow deeper into the soil for more lush growth.

Once the growth picks up, you’ll have to regularly mow the lawn. Its’ recommended to keep grass between two and four inches, but remember that longer grass often grows thicker and healthier.

Apart from your lawn, you may consider mulching your flowerbeds. A good layer of mulch around shrubbery helps lock in moisture and protect roots from the elements. Your flowering shrubs will heal faster if you prune them in early spring, allowing their energy to be focused on fresh, new growth.

And what’s a yard without personal touches? Fill up those bird feeders, scrub out the bird baths, plant new seasonal flowers and stake in your favorite yard decorations. Spring is a time to celebrate rebirth and there’s no better way to celebrate than by bringing your yard back to vibrant life!

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5 Ways to Protect Your Home From the Cold

Protecting Your Home from the ColdThis time of year, our homes are our havens from the cold world outside; but sometimes, if we aren’t properly prepared, the chill of winter can intrude. Following these 5 simple tips can help protect your home during the cold months, give you peace of mind when wintry weather strikes, and even save you money and reduce potential home insurance claims.

1. Inspect your furnace
Do you know that musty smell that emanates from your furnace the first time you turn it on each winter? That might not be from dust that’s settled in the vents but could instead indicate a filtration problem. Change your furnace’s filter before turning it on for the first time, and continue to change it monthly throughout the winter.

2. Invest in a programmable thermostat
A programmable thermostat gives you better control over your heat while you are at home and away from home. The control offered by this inexpensive device can save you money while preventing the fire hazard sometimes presented by area heaters. Set your thermostat to lower temperatures at night when everyone is sleeping or during the day when the family is at work and school.

3. Keep your house heated to a minimum of 65 degrees
You might be tempted to forego a programmable thermostat and save on the heating bill by turning your heat all the way off when you leave the home, but resist that urge! A too-cold home could result in frozen, burst pipes and plenty of water damage. Also be sure you know where your water main is in case you have to turn off the water in an emergency. And speaking of water, if you’re planning a winter getaway, be sure to leave faucets on a very low drip when you’re away from home to keep the water flowing and the pipes unfrozen.

4. Remove snow quickly
If you live in a snowy area, be sure to shovel the snow away from your entryways. Not doing so could cause a tripping hazard and even expose you to a lawsuit if a neighbor falls when dropping by. Accumulated snow on the roof can cause a collapse while snow on your car can eventually ruin the paint or cause a malfunction.

5. Seal cracks and crevices
Caulk windows and install weather stripping in doorways, around pipe entryways, and anywhere else that opens your home up to the elements outside. Investigate the source of any cold air drafts you feel during the winter months. Attics and basements are likely culprits. These measures will also keep you safe from bug and rodent infestations during warmer months.

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Winter Maintenance Tips for Vehicles

Winter Maintenance Tips for VehiclesHere in Michigan, winter can be the hardest season on your car.  And with exposure to snow, sleet, ice, and frigid temperatures, the potential for major damage is high.  Performing proper maintenance on your vehicle during inclement weather is the key to avoiding damage and costly repairs.  Keep your vehicle in proper working condition this winter season by considering the following preventative steps.

Tires and Brakes
The tires you use during summer months are not appropriate—or safe—for winter use.  Adding chains or updating your tires to specially made winter tires is your best bet to ensuring that your vehicle handles well on slippery snow or ice. Also, since the air in your tires contracts during the colder months, it is important to keep an eye on your tires’ air pressure.  Properly inflated tires are not only better for gas mileage; they also help your brake system work more efficiently.

While it is certainly vital to maintain your breaks year-round, you should pay special attention to them during the colder months, since you may use them even more on the slick winter roads.  Make sure your brake fluid stays adequately filled, and pay attention to any engine lights indicating your brakes or anti-lock braking system might need to be checked by a mechanic.

Vehicle Body
During the winter, automobiles are often covered with snow which can lead to rust on your vehicle’s body.   In addition, salt or ice on the roads can contribute to undercarriage problems or even chipped and scratched paint.  A good way to prevent this is to start the winter season with a detailed cleaning of the vehicle followed by a heavy wax job with the appropriate protection against winter weather perils. It is also a good idea to add a paint sealer to the vehicle to give it an added layer of protection. And when you’re at the car wash, consider adding an undercarriage wash. The few extra bucks now could save you hundreds in future replacements of rusty parts. 

Battery and MotorDriving in Winter
Colder temperatures can bring strain to your vehicle. The battery often feels the brunt of this strain. During the winter, watch for any abnormal hesitation and look for corrosion in the wires.

To help protect your engine, make sure all your filters, hoses and belts are supple, clean and not cracked.  The harder your vehicle has to work to compensate for these types of problems, the more damage it may incur and the worse it will perform.  It is also important to make sure you are using the appropriate oil for colder temperatures.

Finally, it is imperative that a sufficient amount of antifreeze is kept in your radiator to ensure that the coolant in your vehicle continues to move through the motor regardless of freezing temperatures.

Windshield
With snow and slush flying and ice chunks on the road, winter debris can seriously impair your vision and your ability to drive safely. Ensure that you have plenty of windshield wiper fluid on hand during the winter to help keep your windshield clear of this debris.  This fluid works better to clean your windshield than plain water because it contains a special soap that helps remove the small pieces of debris that might otherwise result in a scratched windshield.  It is also important to check your wipers.  Cracked or stiff wipers might not clean effectively which could result in a cracked windshield.

As Michiganders, we’re used to harsh winters. Make sure your car is as prepared as you are, and ensure that your family travels safe and warm during these snowy months.

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How to Keep your Fitness Goals this New Year

Fitness Goals
Happy New Year! If you’ve made a resolution to hit the gym in years past, you know just how hard this goal can be to keep. In fact, approximately 88% of people fail to stay true to their resolutions. Why is it so hard!? 

Let’s face it, the goals of a resolution are often too bold, too fast. It’s easy to burn out if you try to go from the couch to the visiting the gym four days a week. 

Instead of setting an unrealistic exercise goal, it’s easier on your body (and your willpower) if you resolve to gradually incorporate fitness and health goals into your overall lifestyle. Here are some tips to start:

Start Slowly
Rigorous goals tend to lead to sporadic workouts – you might workout 4 times one week and then skip the next two! It’s actually better to exercise less, IF you continuously keep up with it. For instance, your busy schedule may make it unrealistic to visit the gym every weekday, so don’t try to. Instead, make it goal to get in three workouts per week. 

And your workouts don’t even have to involve the gym at all! Find treadmill and weights tedious? Exercise in other ways, such as walking around your neighborhood, hiking, gardening, taking a dancing class… Choose activities you enjoy and they won’t be such a chore. Just make sure to add it to your calendar so you don’t forget to stick to your new routine.

Maintain Your Goals
At some point, everyone starts to feel burnt out. But that doesn’t mean you should give up. Remind yourself why you’re doing this—regular exercise helps prevent illness, depression and reduces the effects of aging. If you need some extra encouragement, use a support system of friends and family. Tell people what you’re doing so they can cheer you on and celebrate your milestones with you. Hiring a personal trainer or scheduling workouts with a friend can be a huge motivator as well, since this adds accountability (and maybe even some friendly competition) to your sessions.

Maintaining Your Goals

Make your workouts as convenient as possible to minimize excuses. Find a gym close to your home or work and pack your gym bag the night before so you’re ready to go in the morning. If you prefer to work out in privacy, buy a few hand weights and exercise DVDs and start exercising on your own timetable.

If you feel yourself slipping, try recommitting yourself with shorter goals. It’s much easier to say “I’m going to work out twice this week” than “I’m going to work out twice every week for the rest of my life.” Shorter goals get accomplished faster, giving you the satisfaction you need to set another short goal, then another… These goals will help build the momentum to carry you forward.

It takes 21 days to form a new habit and 6 months for it to become part of your personality. Push yourself until it becomes second nature!

Reward Yourself
Accomplished goals should be celebrated so you can start to associate exercise with more pleasant things. Reward your weekly milestones with something small, like treating yourself to a nice dinner. Bigger monthly goals can be rewarded with a massage, manicure, new clothing or something equally enticing. You should always have something pleasant to look forward to, besides being in better shape of course. 

Healthy Diet

Improve Your Overall Health
Once you feel confident that you have a good grasp on exercising, it’s time to start thinking about more ways you can live healthier. The first natural step is to improve your diet. But forget crash diets full of strict rules. Instead, simply add healthier foods into your diet and avoid unhealthy foods. 

For instance, rather than giving up carbs altogether, try cutting them out of one meal per day. Replace that breakfast bagel with low-fat yogurt and fresh berries. The effort of eating at least one healthy meal per day is much easier than trying to follow the rules of a diet for every single meal you eat. As time progresses, you can incorporate more and more healthy foods into your diet. But remember to let yourself cheat one day per week so you can keep your cravings satisfied without letting them rule your daily diet.

On top of diet, getting a full eight hours of sleep each night improves your clarity, mood and stress levels. Even on your busiest days, leave yourself adequate time to get a full night of sleep so you can tackle your to-do list with renewed energy the next morning.

With these tips in mind, we are wishing you a happy, healthy New Year and the best of luck on your fitness goals for this and every year going forward!


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