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5 Quick Tips to Help you Save on Car Insurance

5 Quick Tips to Help you Save on Car Insurance | Munn Insurnance

5 Quick Tips to Help you Save on Car Insurance

Understanding how car insurance works can help you can save on your premiums. It may take a little bit of extra time but asking the right questions of the right people is the best way to make sure that you’re not overpaying for insurance. Here are 5 quick tips to help you save on car insurance and how to shop and what to ask so you can save money on your premiums:

  1. Call an insurance broker and shop around – an insurance broker will be able to shop multiple insurance markets to find you the best rate and best coverage. Many insurance providers can sell only one type of policy; that is, they have only one insurance market. They have no other options and no choices for you. If your insurance provider can’t give you multiple quotes, call an insurance broker to make sure you are getting the best rate.
  2. Insure your car and home with the same insurance provider — you may be eligible for a discount called the “Multi-line discount.” Insurance companies offer this discount when your auto and property insurance are combined. Some insurance brokers will even give you the discount if you promise to bring the other line over when it is up for renewal.
  3. Insure all your cars with the same provider – some insurance companies offer a discount for customers who insure more than one car.
  4. Increase your deductible – you can often get a lower monthly premium if you are willing to pay a higher deductible. If you can afford a higher deductible you should consider increasing it. The higher your deductible is, the lower your insurance premium will be.
  5. Make sure you are getting all the discounts that you have earned. There are lots of discounts available. Make sure you are getting credit for all that you qualify for. Some common discounts include: multi-policy discount, multi-vehicle discount, conviction-free discount, autonomous emergency braking (AEB) discount, short commute discount, loyalty discount, full coverage discount, away at school discount, green or hybrid vehicles discount, and single pay discount. Click here to learn more about these discounts.

If you would like more information on your home or auto policy (and about how we can help you save on your insurance premiums) please contact Munn Insurance at 1-855-726-8627 today.

Top 10 Auto Insurance Discounts

Top 10 Auto Insurance Discounts | Munn Insurance

There are many ways to obtain car insurance discounts, from choosing the right car (one that is less likely to be involved in an accident or stolen – yes that matters!) to reducing the amount that you drive (the less you drive, the better). But if you’re looking for more ways to save, here is a list of the top 10 auto insurance discounts that you can discuss with your broker at your next renewal:

  1. Multi-policy discount. For drivers who buy their car and home insurance policies from the same company.
  2. Multi-vehicle discount. For drivers who insure more than one vehicle with the same company.
  3. Conviction-free discount. For drivers who maintain clean driving records for a set amount of time (usually 3-5 years).
  4. Autonomous emergency braking (AEB) discount. For vehicles that have an AEB system that acts independently of the driver to help avoid or mitigate accidents.
  5. Short commute discount. For drivers who commute a short distance to and from work daily.
  6. Loyalty discount. For customers who have remained with the same insurance company for a set amount of time (usually over 4 years).
  7. Full coverage discount. For customers who have both liability and physical damage coverage on their vehicle.
  8. Away at school discount. For parents with kids who are living away from home to attend school and don’t have regular access to the insured vehicle.
  9. Green discount for hybrid vehicles. For eco-friendly vehicles that help the environment by reducing smog and greenhouse gas emissions.
  10. Group discount. Special services, discounts and savings for members of our Preferred Groups. These include: first responders, firefighters, paramedics, health care workers, educators, CAA members, and alumni, faculty and parents of St. Bon’s College. Visit https://www.munninsurance.com/group/ for more information.

Based on our experience, these are 10 of the most valuable car insurance discounts available — but the specific discounts offered may vary by provider. Be sure to ask your broker to find out if they can offer these discounts and whether you qualify. You’ll be amazed by just how much you can save, and what you can do with all those savings!

If you would like more information on your home or auto policy (and about the many discounts available) please contact Munn Insurance at 1-855-726-8627 today.

COVID-19 Pandemic Update

COVID-19 UPDATE

COVID-19 Pandemic Update

We have all watched as the coronavirus (COVID-19) has moved across the globe since the end of 2019. Every day, we see media reporting a growing number of confirmed cases in a greater number of countries. And it is now in Canada and in your home province. The unprecedented spread of COVID-19 in Canada and around the world has, understandably, raised concerns for you and your family. At Munn Insurance, the well-being of our clients, our employees and their families is a significant concern for us. As such, safety will be our main priority as this situation continues to evolve.

We are ready to serve you

We want to ensure our valued customers, like you, do not see any significant impact to the continuity of our service during these extraordinary times. While we have not yet had to take such action, we are preparing for staff to work remotely from home with full telephone access and secure connectivity to our IT systems. It will be just like working in our office, but from home. Hopefully, it doesn’t come to that, but if it does, we will be ready to help you.

If you need us, we’re here

We are in the business of protecting you, your family and your business, and we need to continue to do that as long as this crisis lasts. So, if you have any questions or changes to make to your policy continue to call us toll free at 1-855-726-8627. One of our account managers will be available to help. If you have a claim, you can continue to reach out, as always, by calling that same number (1-855-726-8627) and selecting the claim option.

Some of the steps we are taking to reduce the spread of COVID-19 and protect our customers, people and their families include:

  • Cleaning staff are disinfecting high traffic and common areas nightly, which includes door handles, handrails and high traffic areas. Additional Clorox Wipes have been provided throughout the office.
  • All customers are being encouraged through email campaigns and social media to communicate and interact with us electronically or over the phone rather than coming into the office.
  • All face to face meetings with outside parties (insurers, suppliers, vendors or other partners) will be conducted using conference or video call technology wherever possible.
  • No work-related out of province travel is happening by any member of our team until further notice.
  • All employees who are showing symptoms of COVID-19, or who have family members that are symptomatic, are being asked to stay home and self-isolate, self-monitor, and seek medical attention if necessary.
  • Any employee travelling from outside the province will be required to self-isolate for 14 days.

Be well informed

Government leaders are enacting a wide range of measures to protect our citizens so please continue to check official government websites for the most up-to-date information on how to keep yourself and your loved ones safe. Here’s a link to the Government of Canada’s Official COVID-19 Website which is being regularly updated with details on a wide range of related topics:

Other local resources are also helpful and informative:

Symptoms of COVID-19 include:

  • Fever
  • Coughing
  • Difficulty breathing

The severity can range from mild to severe. Current information suggests that most cases are not severe nor do they require hospitalization.

How to protect yourself

Everyone has a role in reducing the spread of covid-19, including coronaviruses. Actions that can be taken to stay healthy include:

  • Wash your hands often with soap and water for at least 20 seconds. Use an alcohol-based hand sanitizer in the absence of soap and water.
  • Avoid contact with people who are sick.
  • Practice proper cough and sneeze etiquette. Cover your mouth and nose with your arm when coughing and sneezing and immediately dispose of used tissues in the trash.
  • Stay at home if you are sick.
  • Frequently clean and disinfect high-touch areas such as toilets, bedside tables and door handles with diluted bleach or a regular household cleaner.

Our goal is to help slow the spread of COVID-19, keep our customers and people safe and continue to provide you with the level of service you’ve always received from Munn  Insurance.

We hope you all stay healthy and safe. We will get through this together.

Regards,
CJ Nolan
President and CEO
Munn Insurance

Business Insurance and COVID-19 Pandemic Update

COVID-19 BUSINESS INSURANCE

Business Insurance and COVID-19 Pandemic

We have watched as the coronavirus (COVID-19) has moved across the globe since the end of 2019. Every day, we see media reporting a growing number of confirmed cases in a greater number of countries. And it is now in Canada and in your home province. If you have not yet started, now is the time for businesses to review their business continuity and get serious about developing a plan.

Plan for business disruption –The tolerance for employee absence is unique to each organization but it is important that an organization identify what percentage of absent employees would create significant disruption to business operations and plan accordingly. Could the business function with a loss of 30% or greater of their employees? If the entire business is operating out of one location, how will a regional, national, or global health crisis disrupt operations? Can the business operate with employees working from home? Find solutions to these questions to minimize business disruption.

An ounce of prevention – COVID-19 spreads either through close contact with an infected person or through contact with contaminated surfaces. While it may be difficult to control the transmission of the virus, there are steps an employer can take to maintain a healthy environment:

  • Encourage employees to stay home if they are sick. Ask them to return to the office only after they are free of symptoms for at least 14 days.
  • Keep surfaces clean. Instruct facilities personnel to clean surfaces thoroughly.
  • Minimize group meetings to reduce the potential for transmission. Use video conferencing or other technologies. When group meetings are necessary, ensure that there is appropriate air circulation.
  • Encourage good hygiene. Post signs in bathrooms to remind employees to wash their hands with soap and water. Place additional tissue boxes, hand sanitizer and garbage cans in strategic locations where employees congregate such as break rooms, lunch areas, or collaboration spaces.
  • Where possible consider work from home options for employees.

Business Continuity – While the best time to create a business continuity plan is well in advance of a crisis, there are steps that you can take now to prepare for the worst. Start by identifying which organizational processes will be most affected by a disruptive event. Anticipate the types of disruption that pose the greatest risk, and proactively implement policies and procedures to mitigate their effects.

Every organization has a duty to protect the health and safety of its employees. That duty is even greater during a critical event involving infectious disease like the COVID-19 Pandemic. A systematic approach to planning for employee safety during a disruptive event is recommended.

Issues to consider and plan for:

  • Be aware of & review federal, provincial, and municipal health department recommendations, and integrate into your plan.
  • Prepare and plan for operations with a reduced workforce.
  • Identify possible exposures and health risks to your employees.
  • Plan for downsizing services but also anticipate any scenario which may require a surge in services.
  • Recognize that in the course of normal daily life, all employees will have non-occupational risk factors at home and in community settings.
  • Stockpile items such as soap, tissue, hand sanitizer, cleaning supplies, & recommended personal protective equipment.
  • Provide employees and customers with easy access to infection control supplies.
  • Develop policies and practices that, if necessary, can be introduced to separate employees, customers, and the public.
  • Identify a team to serve as a communication resource so that employees and customers have access to accurate information throughout the crisis.
  • Work with employees & their union(s) to address leave, pay, transportation, childcare, absence, & other human resource issues.
  • Provide training, education, and informational material about business-essential job functions and employee health and safety.
  • Work with your benefits provider, and provincial and municipal health agencies to provide accurate information to employees and customers regarding medical information specific to the event.
  • Assist employees in managing additional stressors (i.e. Employee Assistance Program – EAP).

Follow these essential steps to create the foundation for a Business Continuity Plan:

  • Conduct a risk assessment to identify critical processes & functions.
  • Identify compliance requirements.
  • Identify essential employees to deliver critical processes and functions.
  • Determine the agility of the workforce and resources needed during a disruption.
  • Review current (or develop) policies regarding remote work, paid or unpaid sick or personal time.
  • Review (or develop) policy to encourage sick or unwell employees to work remotely or isolated from other employees.
  • Align business travel to align with government-mandated travel restrictions.
  • Define internal and external stakeholders for conveying communication.
  • Identify critical suppliers & partners and review their business continuity plans.
  • Train response team members on responsibilities during a disruption.
  • Test the Business Continuity Plan by conducting tabletop exercises.
  • Communicate strategies with employees, customers, consumers and partners.

If you would like more information on how COVID-19 may affect your business insurance please contact Munn Insurance today toll-free at 1-855-726-8627.

Munn Salutes Blizzard 2020 Hydrant Heroes

Hydrant Contest

They called it Blizzard 2020. Snowmageddon. A severe weather event. It was all these things, but most of all, the storm that hit Newfoundland in January was an opportunity for neighbours and communities to come together in the spirit of helping. People helped their neighbours dig out, shared food, and were there for each other with a helping hand.

When ordinary folks started shovelling out fire hydrants to keep their neighbourhoods safe, Munn took notice and decided to encourage the practice by offering its social media followers the chance to win a $100 gas card for stepping up. There was an immediate, enthusiastic response, with many individuals and families doing their part to keep their neighbourhoods safe in the blizzard’s aftermath and sharing their shovelled hydrant photos with Munn Insurance.

Hydrant ContestFrom the entries received, six lucky winners were chosen, who were presented with their prize at the Portugal Cove – St. Philip’s Fire Hall. In attendance were members of the Volunteer Fire Department and NL Association of Fire Services.

The winners were:

  • Christeena Caines
  • Leanne Drodge
  • Clarice Legrow
  • Neil Pennell
  • Lindsay Rowsell
  • Neil Tucker

“We decided to add an incentive for people who were exhibiting the best of what our communities have to offer during difficult times,” said C.J. Nolan, President and Chief Executive Officer of Munn Insurance. “At Munn Insurance, community spirit and keeping citizens safe are part of our philosophy, so offering this small token of appreciation seemed like the natural thing for us to do.”

At Munn Insurance, we’re dedicated to communities. We help people manage the day to day risks of life, and whenever possible, we support those who are committed to making our communities safer and better.

Thank you, hydrant heroes!

Munn Insurance Receives 2019 Pinnacle Award

Munn Insurance Receives 2019 Pinnacle Award
In photo from left are Taylor Rhodes, Applied Systems CEO, and Munn Insurance President and CEO C.J. Nolan.

Top Customer Recognition for Driving Digital Transformation

Munn’s commitment has always been to serve customers better, and part of that commitment includes adopting the industry’s best technologies to make a better insurance experience for you.

On October 15, Munn Insurance was presented with the prestigious Pinnacle Award at Applied Net 2019 at Aria Resort & Casino in Las Vegas, the world’s largest gathering of independent insurance agents, brokers, insurers and MGAs. The Pinnacle Award recognizes Munn Insurance’s partnership with Applied Systems and its innovative usage of Applied Systems’ technology to facilitate the digital transformation of Munn Insurance’s operations and the insurance industry in general.

This award solidifies Munn Insurance’s reputation for leadership in leveraging innovative technology to enhance company performance and provide a better experience for clients. Through adopting EpicCloud and a full suite of Applied Rating products, Munn Insurance has become a true digital brokerage offering a world-class service for clients.

C.J. Nolan, President and Chief Executive Officer, proudly accepted the Award on behalf of Munn Insurance.

“Munn Insurance is incredibly honoured to be the winner of the Pinnacle Award for 2019 as it recognizes our steadfast commitment to innovation on behalf of our clients. It’s all about creating partnerships and pathways that give our clients the best experience possible,” said Nolan. “Technology is an integral part of that mission.”

Past winners of the Pinnacle Award include Nationwide Insurance, Central Mutual Insurance Company, and Hylant.

NL Auto Insurance Tax Rebate Update.

Insurance Tax Update

Back in April, the Government of Newfoundland and Labrador decided to eliminate the remaining tax on auto insurance.  They gave the insurance companies (Aviva, Travelers, Intact, etc.) until the end of September to get it all sorted.  So now people are wondering when they can expect their tax rebate.

Here are 9 things you need to know about the tax rebate on automobile insurance; including when you can expect to receive your rebate and how this is being done:

  • The elimination of the tax pertains to auto insurance including personal vehicles such as cars, motorcycles, ATVs and other recreation vehicles
  • The elimination of the tax also applies to commercial vehicles, such as taxis, school buses, trucks (fire, police) and tractor-trailers
  • The Government of NL have determined that the taxes charged on personal property and other commercial policies (excluding commercial auto) will continue to be subject to a tax
  • Any customer that renewed their auto policy on or after April 15, 2019 will receive a rebate for any taxes that were paid
  • For policies in force before April 15, 2019, the NL Government have determined that there will be no refund of the tax
  • The insurance company (Aviva, Intact, Travelers, etc.) that collected the tax is responsible to ensure customers receive the appropriate RST refund
  • Customers on payment plans will have the RST removed and their remaining payments recalculated and reduced based on the amount of their tax rebate
  • Customers who paid in full will receive a refund cheque in the mail; if there are any outstanding balances the refund will be adjusted accordingly
  • Rebates and changes will be made by the insurance companies prior to the end of September

If you would like more information on the elimination of the tax on auto insurance, or if you have any questions on your home or auto insurance, please contact Munn Insurance today toll-free at 1-855-726-8627.

10 Things to Know About NL Auto Insurance Tax Elimination.

Auto Insurance Tax Elimination

The Provincial Government recently eliminated the remaining 13 per cent Retail Sales Tax (RST) on automobile insurance. Here are 10 things you need to know about the recent decision by the Government of NL to eliminate RST on automobile insurance in this province:

  1. The elimination of the tax pertains to auto insurance including personal vehicles such as cars, motorcycles, ATVs and other recreation vehicles
  2. The elimination of the tax also applies to commercial vehicles, such as taxis, school buses, trucks (fire, police) and tractor trailers
  3. The Government of NL have determined that the taxes charged on personal property and other commercial policies (excluding commercial auto) will continue
  4. Any customer that renewed their auto policy on or after April 15, 2019 up to the date that the change became law will receive a rebate for the taxes paid
  5. The RST refund may be processed as a direct payment to the client, a reduction in monthly installments, or a credit against an accounts receivable
  6. The insurance company (Aviva, Intact, Travelers, etc.) that collected the tax is responsible to ensure customers receive the appropriate RST refund
  7. The insurance companies are in the process of calculating the amount of rebates for each customer and have until the end of September 2019 to process those rebates
  8. For policies in force before April 15, 2019, the NL Government have determined that there will be no refund of the tax
  9. The Government of NL have determined that refunds of tax will NOT be provided to taxpayers who cancel insurance policies that were acquired before April 15, 2019
  10. Munn insurance is now providing personal auto and commercial auto policies with no taxes calculated on the premiums – effective immediately all our new auto policies are tax free

If you would like more information on the elimination of tax on auto insurance, or if you have any questions on your home or auto insurance, please contact Munn Insurance at 855-726-8627.

Water Damage Insurance – Get the Facts.

Water Damage Insurance - Get the Facts

It’s water damage season in Canada. With springtime, comes storms, water and sewer backups, snow melt, seepage and leakage. And yes, the the ever-present worry that the wet days of spring may lead to water damage. And flooding is on the rise!

It’s only early May and already there’s flood damage all across Canada. Ontario, Quebec and New Brunswick are in the news and the images of the damage and destruction are shocking. Other communities are on watch. Our hearts go out to the residents of all these cities and towns.

Once the water recedes, efforts will turn to clean up and rebuild. Insurance and disaster relief will become a more prominent part of the conversation. When it comes to coverage protecting homes from floods and flood damage, most property owners assume their home insurance policies will provide adequate protection. This is not always the case, making dedicated and additional flood damege coverage for specific water events a must.

Here are some things you need to know about water damage coverage & flood insurance…

What kind of water damage is covered by my basic home insurance policy?

Most standard home insurance policies cover water damage caused by things inside of your home (like a burst pipe), but damage caused by water that enters your home from external sources (during a heavy storm or rainfall, a sewer backup, or a sump pump failure) is likely not covered.

The good news is, you can likely buy additional water damage coverage to protect you in the event of these increasingly common emergencies depending on where you live and your insurance provider. Call your insurance broker to confirm if additional water damage coverage is available on your policy.

What kind of optional add-ons are available?

While optional add-ons are different for every insurance provider and location (including the type and limit of coverage available), here are two of the more common water-related add-ons that you can discuss with your broker:

  1. Sewer backup coverage.

    Sewer backup coverage is generally set up to protect you from loss or damage to your property when caused by the rupture or escape of water from a sewer, drain, sump pump, or septic system. For an additional premium to your homeowner’s insurance policy, an endorsement for water backup and sump discharge will cover losses caused by the following:

    • The backup of water or waterborne materials through a sewer or through a drain
    • Water or waterborne material that overflows from a sump, even if the backup of water is due to the mechanical breakdown of the sump pump. Coverage includes damage to covered property but excludes the sump pump and any related equipment that has broken down

    The endorsement does not cover losses that involve owner negligence, such as from damage as the result of forgetting to turn on your sump pump, or damages caused by a flood.

    The cost of sewer backup coverage is affordable. Call your broker to get more information about coverage costs, limits and deductibles.

  2. Overland water coverage.

    Generally speaking, overland water coverage is designed to protect you from damage caused by excessive rain, overflowing rivers, spring run-off, and melting snow. It usually excludes damage caused by saltwater, including tidal waves, and tsunamis.

    What is Overland Flooding?

    Overland flooding is defined as floodwaters that flow from an outside source or body of water onto dry land, causing water damage. The two most likely causes of overland flooding include snowmelt and rainstorms. Overland flood insurance covers flooding from surface water accumulation as well as from bodies of water, such as lakes, rivers or streams. Understanding what is and what has not considered flooding from an insurance perspective is critical to ensuring you secure the appropriate policies to protect against water damage.

    Why Traditional Policies Aren’t Enough

    While traditional home insurance policies and tenant policies may offer coverage for water damage from sewer backups or pipe bursts, they commonly exclude losses caused by overland floods. While newer policies can include some level of flood protection, availability varies. What’s more, even comprehensive homeowners and tenant insurance policies (which often offer the best available protection for homeowners and tenants) don’t automatically provide broad protections for water damage. Some people wrongly assume that sewer backup insurance provides adequate coverage. However, these policies only insure you from non-storm-related backflow from sewers or septic tanks. Sewer backup insurance doesn’t protect you if the backflow results from a sudden flow of external groundwater.To truly protect your home from floods, you can’t rely on standard home insurance policies or tenant insurance alone. Instead, you should turn to new forms of protection, like overland water endorsements.

    Overland Flood Endorsements

    Standard home, condo and tenant policies often exclude overland flood damage coverage. However, because extreme weather events are becoming more frequent, many insurers are now providing policyholders with the option to purchase add-ons (endorsements).In general, overland flood endorsements provide a level of flood insurance that was previously unavailable. Specifically, the overland flood endorsement can protect against damage resulting from melting snow, excess rain and overflowing riverbeds.With overland flood insurance, it is important to understand what is and what is not covered. Overland flood insurance covers damage from freshwater sources. This means that any claims related to coastal flooding, tsunamis and other saltwater sources are excluded. Dam breaks are also specifically designated as uncovered occurrences.

    Overland water endorsements are available to most property owners across Canada. However, a small number of dwellings may not qualify if the risk of flooding is too high in their area. The best way to determine your coverage eligibility is to contact your broker.

    For those living in areas that are on flood plains and regularly impacted by rising water, overland water or flood coverage is simply unavailable since insurance is designed to protect against random events, not predictable ones. When the next flood comes along, homeowners in these areas will have to avail of disaster relief assistance from the government if it is offered and if the homeowner qualifies.

In addition to insuring your home, we are committed to helping you and your loved ones stay safe when disaster strikes. If you would like more information on water coverage and all the affordable ways we can help you to protect your home and personal property, please contact Munn Insurance at 855-726-8627 today.

10 Essential Winter Driving Tips.

Install winter car tires

Safe driving is always important but being on the road during winter warrants extra care and attention. If road conditions are dangerous, consider making alternate travel arrangements or postponing your trip until conditions improve.

Here are 10 tips to keep you safe and collision-free during the next few blustery winter months.

  1. Install winter tires. If you haven’t done so already, install winter tires. They will provide greater traction under snowy or icy conditions. Check to make sure they aren’t worn or bald.
  2. Top up your fluids. Make sure you always keep your gas tank at least half full. On very cold days, the condensation in the tank can freeze when it is running low and may cause problems. Also, don’t forget about your windshield-washer fluid!
  3. Get an emergency car kit. Make sure you have the appropriate safety and emergency winter equipment always stored in your car. The basic emergency kit for cars should include the following items:
    • Food – that won’t spoil, such as energy bars
    • Water – in plastic bottles so they won’t break if frozen (change every six months)
    • Blanket
    • Booster cables
    • Extra clothing and shoes
    • First aid kit
    • Small shovel
    • Scraper and snow brush
    • Road salt
    • Flashlight
  4. Stay connected. Always travel with a fully charged cell phone and keep a portable charger at the ready. You never know when you need to make an emergency call.
  5. Clean off your car. Before you head out, make sure that mirrors, all windows, and the top of your vehicle, are free of snow or frost; that might require a few extra minutes, but it is time well spent.
  6. Drive according to the road conditions. Take your time. Slow down. That may mean driving slower than the posted speed limits. Driving too quickly is the main cause of winter collisions. Brake slowly and reduce your speed before entering turns. Once you have rounded the corner you can accelerate again. Better to be 10 minutes late in this world than 10 minutes early for the next!!
  7. Keep the lights on. Turn on your lights to increase your visibility to other motorists.
  8. Don’t tailgate. It is dangerous to drive too close to the car in front of you. This is more dangerous in winter weather as stopping takes much longer on snowy and icy roads than on dry pavement, so be sure to leave enough room between your vehicle and the one in front of you.  The normal dry pavement following distance of three to four seconds should be increased to eight to ten seconds. This increased margin of safety will provide the longer distance needed to stop safely.
  9. Don’t use cruise control. Never use cruise control if conditions are snowy, icy, or wet, because if your car hydroplanes, your car will try to accelerate, and you may lose control of your vehicle.
  10. Stay home. If you really don’t have to go out, don’t. Even if you can drive well in the snow, not everyone else can. If you don’t have somewhere you have to be, watch the snow from indoors.

If you would like more information on winter driving or if you have any questions on your home or auto insurance, please contact Munn Insurance at 855-726-8627 today.