Michelle Kuschel

When it comes to ensuring you have proper coverage for auto and life insurance during the winter months, here are five tips to consider:

Auto Insurance Tips:

• Review Your Coverage Limits: Winter weather can lead to more accidents. Ensure your liability, collision, and comprehensive coverage limits are sufficient to protect you in case of a severe accident. Consider increasing your limits if they are currently low.

• Check for Weather-Related Coverage: Verify that your policy includes coverage for weather-related incidents, such as snowstorms or ice damage. Comprehensive coverage can help protect against damages caused by falling trees or flooding from winter storms.

• Add Roadside Assistance: Winter driving can be unpredictable. Adding roadside assistance to your auto insurance policy can provides help in case you get stuck in the snow or need a jump start due to cold weather.

• Evaluate Your Deductibles: Consider adjusting your deductibles based on your winter driving habits. If you live in an area prone to severe winter weather, a lower deductible might be beneficial to minimize out-of-pocket expenses after an accident.

• Stay Informed About Discounts: Some insurers offer discounts for winter driving courses or for vehicles equipped with winter tires. Check with your insurance provider to see if you qualify for any savings.

Life Insurance Tips:

• Assess Your Coverage Needs: Winter can be a time of reflection. Re-evaluate your life insurance needs, particularly if you’ve had significant life changes (e.g., marriage, children, or a new job). Ensure your policy adequately covers your family’s needs.

• Consider Additional Riders: Look into adding riders to your life insurance policy, such as accidental death or critical illness coverage, to provide extra protection during the winter months when health issues may arise more frequently.

• Review Beneficiary Designations: Check that your beneficiary designations are up-to-date, especially if there have been changes in your personal life. Ensure that your loved ones will receive the benefits you intend for them.

• Keep Your Policy Active: Winter can be financially stressful, but it’s crucial to keep your policy current, prevent lapses in coverage that could leave your family unprotected.

• Consult with a Professional: Consider speaking with an insurance agent o to discuss your winter-specific needs and ensure you have the appropriate coverage for both auto and life insurance.

By taking these steps, you can better protect yourself and your loved ones during the winter months.

Michelle Kuschel State Farm

Choosing to become a State Farm agent has proven to be the most rewarding career decision I have made. I feel fortunate to have the opportunity to assist individuals in our community and beyond, offering them exceptional State Farm products.

The role of insurance professionals has evolved beyond simply providing information. Today, it involves assisting consumers in navigating through a sea of information to identify their specific needs and offer tailored plans. Our goal is to offer a range of options that safeguard individuals from the everyday risks they face. We focus on in life insurance, auto insurance, home/condo/renters' insurance, income protection policies, business policies, commercial insurance, and products that promote a secure financial future.

We are fortunate to have a team that shares our philosophy of going above and beyond. We treat our customers like family, addressing their concerns, providing education when necessary, and offering guidance whenever they need it. Our customers are an integral part of our family, and we deeply value the relationships we have built over the years through our commitment to excellence and integrity.

Please let us know how we can make your experience more enjoyable, informative, and tailored to your specific needs.