 | Lori Johnson is an insurance agent for Farm Bureau Financial Services, located at 219 S. Ozark, Girard, KS 66743. She can provide strategies for all stages of life: Vehicle, Homeowners, Farm, Business, Life Insurance, Annuities, Mutual Funds, Disability, Long-Term Care, Retirement and Education Funding, She is your resource for innovative insurance and investment products and services. To schedule an appointment, please call (620)724-4213 or email lori.johnson@fbfs.com. |
Insurance
2011-09-29 14:51:44
A winning game plan for tailgating series – part 1
Q: I’m a football fanatic, and this time of year I’m a very avid tailgater… an AVID tailgater! What are some things to consider so I know my “fandom” doesn’t get in the way of proper precautions?
A: As Fall quickly approaches, the air grows cooler and the leaves begin to turn, many sports fans look forward to their favorite time of year—tailgating season. For some fans, tailgating simply means sitting on the bumper of their car with friends, enjoying a few snacks and drinks before the game. But for the more devoted tailgaters, football season calls for elaborate, well-organized tailgating events that often include a dedicated tailgating vehicle.
If you’re thinking about joining the ranks of these enthusiastic tailgaters and purchasing a tailgating vehicle of your own, here are a few tips you may want to keep in mind:
Buy wisely
Even if you plan to buy a relatively inexpensive tailgating vehicle to be used only on game days, you should still make smart choices about your purchase. Some vehicles may seem like an incredible deal, but oftentimes there’s a catch—such as no car title. You should never buy a vehicle if the seller does not possess the title. This could be a sign that the car was stolen, badly damaged or even declared a total loss.
To make sure you don’t get stuck with a lemon, you should consider requesting a CARFAX Vehicle History Report on the vehicle. These handy reports include an abundance of valuable information, such as title information, flood damage history, lemon history, odometer readings, lien activity, vehicle use and total loss history. After reviewing the report, you may discover that the vehicle you’re considering isn’t worth the expense—even if it does seem like a bargain.
Get it insured
With countless vehicles coming and going from a big sporting event, accidents are bound to happen. That’s why it’s so important to insure your tailgating vehicle. Even though you may drive your tailgating vehicle just a few times a year, comprehensive auto insurance is well worth the cost. If your vehicle is severely damaged or totaled, insurance coverage could prove to be priceless.
Next month, we’ll discuss tailgating vehicle alternatives and how to play it safe while having fun...
