All-terrain vehicles (ATV) can be exciting to own and cherish if you fully understand responsibilities associated with them. Here are a few rules you should be aware of before stepping onto your four-wheeled toy and attempting to drive.

Rule #1: Make sure paperwork is in order

You cannot simply buy an ATV, get on and drive without first going through the proper steps to ensure that it is registered and insured. While some states do not require a permit to operate the motor vehicle on heavily populated roads, some regions require drivers to obtain additional certification and authorization for full privileges. It is imperative to have all paperwork in order before getting on your ATV.

Rule #2: Invest in quality protective gear

Your status as a beginner can literally hurt if you are not wearing the right protective gear. A good motorcycle helmet coupled with gloves and goggles will guard against serious injury. Long pants, over-the-ankle boots and a long-sleeved jacket are also great safety measures.

Rule #3: Practice like crazy

Whoever said practice makes perfect was ever so right. Taking your ATV for a ride on level surfaces and open fields is the best way to perfect your driving skills. Taking the four-wheeler on more challenging tracks will come with time and experience.

Rule #4: Start from the bottom and then work your way up

Don’t pop a wheelie just yet. When starting out on your ATV, your focus should be on gaining and maintaining control. Only after you have become one with the vehicle to the extent of understanding its flow should you attempt to do tricks.

The Insurance Mart understands how important your ATV is, and that  is why we offer a number of policies that ensure protection in the instance of incidence. Stop in for a quote today!

The choice of what life insurance policy you should choose can easily become complex with too much information. At The Insurance Mart, we pride ourselves on our ability to educate our customers about life insurance, including the two most popular options whole life and term life insurance.

Understanding Whole Life Insurance

When it comes to understanding whole life insurance, it’s important to note that it doesn’t have a term. Ultimately, by submitting a truthful application and making your payments on time, as long as you qualify, you will have life insurance. Additionally, your life insurance policy can accrue cash value over time, allowing you to borrow against your policy if necessary.

Understanding Term Life Insurance

Although very similar to whole life insurance, term life insurance does have a term. You can choose between a variety of terms to ensure you are choosing a policy that works for you. Unlike whole life insurance, term life insurance doesn’t build cash value. However, many people find that term life insurance is a great option for individuals with mortgages because, in the event of their death, they will have the money to pay off their mortgage.

How to Choose Between the Two Types of Insurance

Ultimately, the choice to choose between whole life and term life is based on your financial goals. People who want permanent life insurance often choose whole life insurance over a term life insurance. However, people who are interested in a significant face value for a period of time consider term life insurance.

If you are in the market to purchase life insurance, you can start by visiting our site. Our website highlights the policies we offer. Additionally, by visiting our site, you can easily contact us regarding any questions you may have about whole life or term life insurance.

Throughout your life, there has been at least one person who has helped you when you needed help. Whether you received help years ago or just this week, it’s time for you to consider paying it forward within your community. At The Insurance Mart, we believe in paying it forward. When you pay it forward, you help someone else instead of someone who helped you. The following are ways you can pay it forward within your community.

Join Community Clean Up Days

There are many roads within your community that are polluted with debris. Whether you contributed to the debris or not, you can help clean it up. Most communities have community clean up days where anyone who wants to can clean up the roads within their community. Cleaning up your local community is a great way to improve the environment, which will help reduce the instance of water pollution for local families.

Help Your Local Meals on Wheels Program

Another program many communities have is Meals on Wheels. Meals on Wheels is often sponsored by a local government agency within your community, but you can help out. You can help the organization deliver hot meals to the less fortunate. You can stop by your local Department of Social Services to find out more about volunteering for the program.

Volunteer with the Red Cross

Your local Red Cross responds to communities that endured a natural disaster throughout the United States. As a result of this, they are always in need of volunteers. You can contact them to determine you can start the process of becoming a volunteer.

At The Insurance Mart, we want you to be safe while you are volunteering. We offer a variety of auto insurance coverage options on our website. Visit our website and compare our coverage to other insurance companies, and then call us for a quote.