Avoiding Deer Collisions

Avoiding Deer Collisions

October 8th, 2015 — Martinson Agency LLC — Chaska, MN

Picture this: You’re driving along a winding country road enjoying the beautiful fall foliage and all of a sudden a huge buck runs in front of your vehicle. How would you react? Fall is peak time for deer-vehicle collisions thanks to deer mating season which begins in the fall and runs through January. During this time deer are very active and on the move. According to the National Highway Traffic Safety Administration (NHTSA), large animal-vehicle collisions result in an average of 187 fatalities annually.

Back to the question — how would you react? Not sure? Here are some helpful tips on how to avoid a collision:

1. Say “no” to swerving — Never ever swerve. Swerving is especially dangerous because it puts the driver at risk for a head-on collision with oncoming traffic, trees or even a ditch and confuses the deer as to where to go.

2. SLOW DOWN — Slow down if you’re driving through an area with high deer populations. If you drive defensively, you’ll have more time to break if you cross paths with a deer.

3. Leader of the pack — Deer rarely travel alone so if you see one it’s likely another is close behind. (Ask our good friend Cory Poppitz about this one.)

4. Put your foot on the brake — If you cross paths with a deer, brake firmly while staying in your lane and blow your horn to frighten the deer away.

5. Green eyes — At night watch for the shine of eyes along the side of the road (their eyes usually look green.)

6. Sun up, sun down — Deer are most active at dusk and dawn.

7. Center lane — The center lane on a multi-lane road is the safest place to drive because it gives deer space and drivers additional time to react.

8. Faulty products — There are many products on the market that claim to protect against possible collisions with deer (whistles, repellent ect.) Unfortunately these products have not been proven to reduce the risk of an accident.

Remember deer collisions can happen to even the best of drivers. It you strike a deer never touch the animal. Pull over to the side of road as soon as you can, call the police immediately and report the damage to our agency as soon as possible.

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

Phone: (952) 314-4400

Email: jphagen@aibme.com

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Top Major League Baseball Stadiums

Top Major League Baseball Stadiums

October 1st, 2015 — Martinson Agency LLC — Chaska, MN

With MLB season winding down our friends at buzzfeed.com decided to rank the top 10 stadiums in Major League Baseball. Does your favorite stadium make the cut? Let us know!

10. Nationals Park

Team: Washington Nationals Capacity: 41,341 Food Highlight: Chili fries from Ben’s Chili Bowl

Spacious and sleek, Nationals Park is a great place to catch a game. There’s tons of food options, from local treasure Ben’s Chili Bowl to national gem Shake Shack. And the Presidents Race in the 4th inning is always fantastic (#LetTeddyWin).

9. Safeco Field

Team: Seattle Mariners Capacity: 47,574 Food Highlight: Mariners’ Fish n’ Chips

This is one of the only baseball stadiums to master the “dome”: It’s just a partial covering of the seats when it rains, so you still feel outdoors. Also, baseball season is the best weather in Seattle, and the stadium keeps up with the classy culinary rep of the city at large.

8. Coors Field

Team: Colorado Rockies Capacity: 50,398 Food Highlight: Rocky mountain oysters!

Since the thinner air at high altitudes helps baseballs really soar, you got more chances of catching a stray one, right? This is also the only ball park to boast a working brewery (A+, Blue Moon), and delicious local favorites: If fried bull testicles aren’t your thing, go for a green chile burrito.

7. Wrigley Field

Team: The Chicago Cubs Capacity: 41,072 Food Highlight: The “High Plains” bison hot dog from Decade Diner

This place is truly timeless. From the ivy-coated walls to the old-school bleachers, it’s easy to feel like you’ve fallen back in time at Wrigley. The food is pretty classic if not exciting, and the consistent crowds are about as friendly as it gets.

6. Dodger Stadium

Team: L.A. Dodgers Capacity: 56,000 Food Highlight: A Kirin Ichiban draft topped with frozen foam

Always packed and always gorgeous, this place has stood the test of time. The California weather, view of the Chavez Ravine, and the Dodger Dog are all pretty reliable reasons to watch a game at Dodger Stadium.

5. Target Field

Team: Minnesota Twins Capacity: 39,021 Food Highlight: The Bloody Mary

This field is not only named for America’s favorite store, but it’s also in the heart of our kindest, most self-effacing state! And not only do you have bites from local standbys like Murray’s Steakhouse, but you can wash it all down with an epic, pizza-garnished Bloody Mary.

4. Miller Park

Team: Milwaukee Brewers Capacity: 41,900 Food Highlight: The Beast: A hot dog stuffed in a brat, all wrapped in bacon and topped with ‘kraut and onions.

If you were hoping a stadium and team named for beer would show you a good time, then you’re in luck. Brewers fans are an awesome tailgating crowd, and the sixth-inning sausage race will keep your appetite fueled for everything from nachos on a stick to classic cheese curds.

3. Oriole Park at Camden Yards

Team: Baltimore Orioles Capacity: 45,971 Food Highlight: Pit beef from Boog’s BBQ

Always ahead of the curve, Baltimore went for timeless charm when other stadiums were trying to cram everything in one concrete package. It’s nostalgic without being cloying, and celebrates Baltimore with all its best food and drink. You stay classy, Camden Yards.

2. Fenway Park

Team: Boston Red Sox Capacity: 37,673 Food Highlight: Lobster roll in the summer, clam chowder for fall.

This place is packed with character and history, and it’s genuinely beautiful. It’s also intimately packed with rowdy fans who are truly delightful so long as you pledge eternal allegiance to their fair city. Though the stadium eats are standard, just outside are tons of places to rally with another beer or enjoy a good meal.

1. AT&T Park

Team: San Francisco Giants Capacity: 41,915 Food Highlight: Garlic sourdough with crab sammie from Crazy Crab’z

Probably the most picturesque park in existence, the home of the Giants has A LOT going for it. There’s the varied and delicious food, some surprisingly good beer, consistently pleasant weather and a winning team to boot. It’s a breezy, retro park that, let’s face it, has pretty much everything you could ask for.

 

**Article courtesy of buzzfeed.com**

 

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

Phone: (952) 314-4400

Email: jphagen@aibme.com

Paperless Discounts & Benefits

Paperless Discounts & Benefits

July 30th, 2015 — Martinson Agency LLC — Chaska, MN

Recently, insurance companies have started offering a paperless billing option. By electing to go paperless, you will stop receiving your bills and documents by mail. Instead, you will receive them via your preferred e-mail. This helps to reduce clutter, provides 24/7 access to your account and can also help you save on your premium. Many insurance companies are now offering a discount for anyone who chooses to go paperless.

Reduce Clutter & Save Paper

The most obvious advantage that a paperless policy provides is the fact that it saves paper & benefits the environment. All of your important insurance documents are stored securely online and can be printed whenever you need them. Enrolling in a paperless program will benefit the environment while providing convenience for you at the same time.

24/7 Access

A paperless policy also means you aren’t stuck waiting for important documents to arrive via U.S. Mail. Whenever you make a change to your policy a confirmation message will be sent directly to your e-mail inbox. This means you will have 24/7 access to new insurance identification cards, payment receipts and billing schedules. When you enroll in the paperless program you will create a unique user ID and password and will be able to access your account from any computer or mobile device.

Automatic Payments

Enrolling in an automated monthly payment plan is another way to save money on your auto insurance. By choosing an automated payment plan you will no longer need to send a payment by mail. Instead, your monthly payment will be automatically deducted from a credit card or a checking/savings account on its due date. This is a discount that will stay with you throughout the life of the policy.

Call Today!

Adding a paperless discount and automatic payments to your current policy can help you save now and in the future. If you have any questions about how to add these discounts or to receive a comprehensive insurance review, please give the Martinson Agency in Chaska, MN a call today!

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

Phone: (952) 314-4400

Email: jphagen@aibme.com

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Driving Under the Influence Will Cost You

Driving Under the Influence Will Cost You

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

Nothing good comes from getting behind the wheel of a car while you’re intoxicated. You put other people as well as yourself in danger. Also, if you are pulled over, you will be faced with numerous fines and future expenses. Increased cost of your auto insurance is just one of those expenses.

What kind of impact will a DWI have on your car insurance premium? It can cause your rate to be increased by more than three times what you are currently paying. Many companies will even terminate your coverage and make you find an auto insurance policy elsewhere. You should know that depending on the carrier it can take up to FIVE years before your policy can be rewritten. Also, in certain states, penalties for a DWI can double if your BAC (Blood Alcohol Content) is over a .16.

The best way to avoid a DWI violation is to refrain from driving after you have been drinking. (DUH!) If you have been drinking you should consider having a designated driver, calling a taxi or even riding the bus in order to get from once place to another. Any of these options will make the road a safer place for not only you and your friends, but for the entire community as well.

Call Martinson Agency in Chaska today with any further questions you may have about acquiring auto insurance after getting busted for a DWI violation. We have numerous resources available for you and have tons of experience dealing with policies written specifically for individuals with a DWI on their record.

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

Phone: (952) 314-4400

Email: jphagen@aibme.com

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Insurance 101: Homeowners Insurance

Insurance 101: Homeowners Insurance

August 13th, 2015 — Martinson Agency LLC — Chaska, MN

Homeowners insurance can provide protection for you and your family in the nastiest of situations. It is important to understand your homeowner’s policy in order to take advantage of everything that it has to offer.  This article will highlight a few of the things you should know about your homeowners insurance policy.

What does a home insurance policy cover? This is one of the most important questions that you can ask during the quoting process. A typical policy will cover damage to your property and possessions in the event of a storm, fire, theft or vandalism. It will also provide you with personal liability coverage. This means that if someone gets injured on your property and decides to sue, you’re covered. Homeowners insurance will also pick up the tab for temporary shelter costs should you be displaced from your home due to a covered loss. Your home policy can also protect your personal belongings while they’re traveling with you. For example, if you have an item stolen from your car it will be covered by your home policy, not your auto policy.

One common misconception pertaining to home insurance is the actual insurance value of your home. It is important to understand the difference between insurance replacement cost and the market value of your property. Market value is easily defined as the value of your home, land included, if you were to list the property for sale. Obviously this value can fluctuate based on the housing market and can be greatly impacted by the location of your home. Insurance companies however, consider the actual replacement cost in the event that they have to rebuild your home. This is an important distinction and means often times you’ll have to insure the home for more than the property’s “market value”.

Make sure to maximize your discounts. One of the best ways to save some money on your home insurance policy is to bundle it with your auto insurance. Insurance companies will give you a discount on both your auto and home policies for bundling. Paying your home insurance in full for the year rather than making monthly payments is another great way to lower your premium. If you are curious as to what other discounts are available to you make sure that you do your research and contact your agent right away.

Understanding your homeowner’s policy is critical. As a consumer you should make it your priority to know what your policy covers as well as know all of the available coverage options. In the end it will cost you far more if you are uninsured or under insured at the time of a loss. If you have questions about your policy or are looking for a quote give Martinson Agency in Chaska, MN a call today!

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

Phone: (952) 314-4400

Email: jphagen@aibme.com

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Terrible Golfer Chronicles His Round to Hilarious Results

Terrible Golfer Chronicles His Entire Round to Hilarious Results

August 6th, 2015 — Martinson Agency LLC — Chaska, MN

Like any mediocre golfer knows, sometimes you get in a funk where it seems like throwing your clubs into a fire pit is the only solution. Usually it lasts a few shots, maybe a few holes. But every so often it spans an ENTIRE ROUND. That’s 4-5 hours of pure misery. It can cause even the strongest, most mentally stable person to contemplate tying a cinder block around their ankle and diving headfirst into the closest body of water. It’s hell. And last week I was sitting next to the devil himself.

This is my story.

10:41 a.m.

The sun is shining and things are looking great outside. Sure it’s a little hot but who can complain with 85 degrees? Not me!

12:03 p.m.

We arrive at the course a little early so we have time to hit a few balls. There are four of us so we don’t have to worry about getting paired up with that lonely guy who slows you down by walking the course because he “loves the exercise.”  

12:20 p.m.

We head over to the tee box to start the round and even though I didn’t hit the ball particularly well at the range, I’m filled with optimism; like a teenager heading to his first dance. Maybe I’ll get a kiss! And like that idiot, it’s only a matter of hours before I’m in front of my mom wondering how it all went so wrong.

12:22 p.m.

First shot is a beauty for the first 100 yards. Then it appears to come to a four way stop, remembers it left something at home and takes a sharp left. I’m not talking about a gradual, hooking left. An actual 90 degree angle. Not a good sign. 

12:35 p.m.

First hole is done and I’m putting an 8 on the board. Not a great score but the day is young.

I’d kill for an 8 later in the day. 

12:41 p.m.

My drive on the 2nd hole hits the ground six inches from the spot it is teed up and darts into the water. How does that even happen? I’m still not sure. Can Neil deGrasse Tyson get on the phone and fill me in? After looking to my playing partners for an explanation, all I can come up with is that this could be the longest day of my life. (Spoiler alert: It is!).

1:34 p.m.

Just finished the 4th hole and I’m already wondering if I have enough balls to finish the round. Mind you, I’m splitting a brand new pack of 24 balls with my brother who hasn’t lost a single one yet. I figure that as long as I don’t lose more than 2 per hole for the rest of the day, I should be OK. On the other hand, if I lose 2 balls per hole the rest of the day I may get a one way ticket to North Korea.

1:41 p.m.

5th hole. Par 3. 147 yards.

Splash! Like Kevin Costner in Tin Cup, I calmly reach my hand back to my brother and ask for another ball. He throws me one. I lay it down, and swing again. Splash. So many thoughts are running through my head.

Why is there water there?

Are you allowed to throw the ball down the fairway instead of using a club?

Should I be watching CSI since my childhood crush Elisabeth Shue is the co-star?

But all I can do is stare blankly into the distance like a guy who just walked in the YMCA changing room for the first time after the 6am Senior Swim Session.

Some things you can’t unsee. 

2:20 p.m.

Just finished the 7th hole and my score card reads as follows.

8, 7, 8, *, 6, $, 8,000

Sometimes it’s better to give yourself a fictional $ sign than to actually count up all your strokes and realize that if your score was a person, it’d be able to do everything except rent a car.

2:51 p.m.

Finally done with the front 9. Even though there isn’t really anybody in front of us we’re moving at a slow pace. Could it have to do with me hitting 10 shots every hole? Possibly…but I’m open to other explanations.

3:07 p.m.

Finally teeing off on 10. I contemplated staying at the bar and having a few drinks but I figure I’d probably hook those left as well. Plus, I need some redemption!

3:08 p.m.

Sticking with my driver even though it has failed me all day. Kind of like returning to the same pizza place that has given you food poisoning the day before. Maybe, Geno washed up today!

No thinking Mike, you can do this. Be loose!

Swing and a drive. It’s long and gliding right. It could be out of play but I’m secretly thrilled I made solid contact. Guess who’s back baby?!

3:14 p.m.

The ball is nowhere to be found. It may have hit a tree or God may have sent an angel down to remove it from earth and put me one closer to death. Hey who am I to argue? It’s his plan!

3:44 p.m.

My 5 iron almost goes flying from my hands on a swing. Likely from the pounds of SPF 30 I’ve applied every hour but hey, if being a pale skinned, lumpy bastard were easy everyone would do it!

4:02 p.m.

I start to snap. After another terrible drive, I drop in the middle of the fairway because rules went out the window the moment I started playing with these knockoff Pinnacles (can you get lower than that?).  My dad tells me to take my time. Holy crap pops, really? It’s like telling a baseball player who hasn’t gotten a hit in days that he’s due! Just in case you didn’t know, here are a few things you shouldn’t say to someone struggling on the golf course.

Keep your head down.

Hey thanks for the tip. Should I have a safe flight too? Out of my control man!  

Take your time.

I could sit here for 2 hours and we both know my next shot is going to skip more times than Punky Brewster after hearing she’s been adopted by Henry Warnimont. (Nice timely reference Mike…Shut your face).

Hit another one.

I’ll hit another ball whenever I want. As Ivan Drago would say, I play for me…for meeeeee! (Getting closer to modern day with that reference but still a bit off…I know, I know).

4:33 p.m.

16th Hole. By some grace of God I’m putting for Par. Instead of playing the slight break from right to left, I decide to blast it with all my might right at the cup. Kind of like Happy Gilmore when he first gets on the green. But unlike Happy, I can’t drive the ball 350 yards. Although getting my hand ripped off by an alligator like Chubbs seems pretty appealing right now.

5:02 p.m.

18th hole. Bam! A drive 225 yards right down the middle of the fairway.  I’m back baby! No clue how or why it happened but it did. It’s almost like I was being punished for something I did in a past life and now I’m free. Let’s birdie this bad boy.

5:06 p.m.

My second shot goes an estimated 17 yards. Woof sandwich.

5:09 p.m.

Third shot and I’m in chipping range. I hit the ground about a foot behind the ball and almost broke my wrist. I wish I did, then I wouldn’t have to golf for months. That’s a win!

5:21 p.m.

I tap in for a score somewhere between a 7 and a 10. Round finished. Spirit broken.

Should I quit golf forever? Should I finally embrace that gut I’ve been harvesting for the past couple years and join a bowling league? Maybe weekly poker nights is more my speed?

I’m a broken man. My hands are calloused, I’m crashing after a diet of candy bars and gatorades, and I’m pasty from a year’s worth of sun tan lotion used in 4 and 1/2 hours. 

But on the ride home a funny thing happens; all I can think about is that beautiful drive on 18. 225 yards, RIGHT DOWN THE MIDDLE.

“Wanna play again on Monday?” my dad asks. I pause only for a moment. “Sure!” 

Back to Geno’s. Hopefully this time he washes his hands.

**Entertainment is courtesy of BroBible.com**

 

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

Phone: (952) 314-4400

Email: jphagen@aibme.com

 

Insurance 101: Renters Insurance

Insurance 101: Renters Insurance

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

Renters insurance is important. However, understanding your renters insurance policy and the coverage it provides is just as important. There are a few coverage options that could end up saving you thousands of dollars in the event of a loss. Make sure that when you purchase a renters insurance policy you know exactly what you’re signing up for!

There are two types of renters insurance policies that you can purchase. The first is Actual Cash Value, often referred to as ACV. In the event of a loss, ACV coverage will consider the depreciation and usage of your items while determining their value. This means that while you will pay a lower premium, you will not receive enough money to go out and purchase that item brand new. The second option is Replacement Cost (RC). Replacement cost coverage, does not consider depreciation or usage when determining the value of your damaged items. In other words, you will receive the amount of money it costs to actually replace your item with a brand new one.

Another form of coverage that can be extremely helpful is “Loss of Use.” This coverage can reimburse you for expenses that arise if you happen to be displaced from your home while it is being repaired. This coverage is often included in your renters policy but is limited to either a specific dollar amount or time frame.

Be sure to keep an inventory list of all your belongings and take pictures of them as well. (NOTE: People often only consider valuable items when making these lists. Don’t forget about simple items that may need to be replaced as well!) Doing this will make your claims process much easier and will also help to get your belongings replaced faster. Also, be aware of the specific limits that your policy may carry. If you are unsure of the limits on your current policy, make it a point to contact your agent as soon as possible.

If you have questions regarding renters insurance or are ready for an insurance quote, give the Martinson Agency in Chaska, MN a call today!

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

Phone: (952) 314-4400

Email: jphagen@aibme.com

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Save More on Auto Insurance!

Save More on Auto Insurance!

July 16th, 2015 — Martinson Agency LLC — Chaska, MN

Whether you drive an old beater or cruise around in a brand new ride, having auto insurance is required by law in the state of Minnesota. This means you should be looking for ways to save money on your insurance. Here are some cost-saving tips to keep in mind when purchasing auto insurance.

Inquire About All Available Discounts

Ask your agent about all of the discounts you may be eligible for. Many companies have started to offer a paperless discount. This means that all of your bills and documents would be sent to your preferred email address versus your home address. You can also reduce your monthly payments by having it automatically deducted from a checking or savings account. Additionally, many companies have an advance quote discount. This means that if you begin the quoting process 10 or more days prior to the policy being issued you can save as well.

Take A Defensive Driving Course

Safe drivers typically have the most affordable auto insurance. If you are 55+ and are looking for an easy way to save on your insurance, consider taking a defensive driving course. This course will be taught by a professional driving instructor and will teach you about avoiding danger on the road. Once you take the course simply provide us with a completion certificate and we will apply the discount to your existing auto insurance policy.

Bundle Your Insurance Policies

By packaging your auto insurance and your home insurance with the same company you will receive a multi-policy discount. This can provide significant savings on both products and often times provides additional perks such as a single deductible. A single deductible means that if you have a claim that impacts both policies you will NOT be stuck paying a deductible on both.

Bottom Line: You Have Options

Don’t get caught up with everything you see on TV. Many of the most well known carriers are “captive” companies and can only provide you with one quote. Our agency is independent, meaning we have more carriers than the competition. More carriers means more discounts. More discounts means you get to keep more of your hard earned money in your pocket.

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

Phone: (952) 314-4400

Email: jphagen@aibme.com

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Insurance 101: Life Insurance

Insurance 101: Life Insurance

July 9th, 2015 — Martinson Agency LLC — Chaska, MN

In the event of your untimely death, ensuring your family’s financial protection is critical. Life Insurance is the asset that can help you do that. You can count on our well trained staff to help you attain a life insurance policy that is specifically tailored around you and your family’s needs.

Some of the most common forms of life insurance include:

  • Term Life
  • Whole Life
  • Universal Life

So what is term life insurance? Term life unlike whole life insurance, has a set time period. At the end of the period, it is up to the policy holder to decide whether to renew the policy or let the coverage end. This option is comparable to renting an apartment. At the end of your lease you either move out, or choose to renew for another term.

A traditional whole life insurance policy on the other hand, never runs out. Upon the death of the policy holder, the insurance payout is made to the contracts inheritors. A whole life policy also has a cash value option. This means that if the policy holder reaches the age of 100 he or she can take whatever cash value is available. This option is more comparable to purchasing a home.

Universal life insurance is a more flexible form of permanent life insurance. It offers the low cost protection of term life while also offering the savings component of whole life insurance. The unique feature of a universal life insurance policy is the fact that the policy holder can review and alter the death benefit, savings component and premium as his or her circumstances change.

Regardless of what type of life insurance you choose, we are able to go over the options and find the best quotes so you can maintain an affordable policy. We’re independent agents, working with multiple carriers for your benefit. Call the Martinson Agency today to learn more about your Chaska, MN life insurance options.

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

Phone: (952) 314-4400

Email: jphagen@aibme.com

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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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