December 2009 - Bradford PA Insurance - Williams Insurance Agency

Starting Your Vehicle in Cold Pennsylvania Weather

December 29, 2009 in bradford, Bradford PA, bradford pennsylvania, Uncategorized

Straight from my friends at the Erie Insurance Group. A few tips to help you through our wonderfully “brisk” pennsylvania winters.  And please don’t forget who offers the absolute best value on pennsylvania auto insurance rates…yep..Erie Insurance !  Go to my auto quote form and we’ll show you just how good.

The Car Care Council warns that the majority of engine wear occurs during and right after cold starting your car. When the engine is left to rest overnight, oil seeps away from vital parts, leaving them vulnerable to damage. During cold weather, oil thickens and takes longer to reach the entire engine. You can avoid damage by taking a few simple precautions.

  • Allow the engine to idle for about five minutes before driving.
  • Don’t race the engine when cold or make abrupt starts.
  • Make sure your oil is fresh and change it at the manufacturer’s suggested intervals.
  • Check the antifreeze to ensure protection at low temperatures.


Contact your ERIE Agent for more information about how you can protect your vehicle.

Avoiding a Furnace Fiasco

December 27, 2009 in bradford, Bradford PA, bradford pennsylvania, Uncategorized

Living here in Pennsylvania your heater can be your lifeline. Many times it seems as though the heater runs non stop on some of our sub zero midwinter days. My friends at Erie Insurance have provided me with some information I thought may benefit you regarding your furnace.  Remember, when you look for pennsylvania auto insurance quotes,or pennsylvania homeowners insurance, Erie Insurance should be your first choice.


The National Fire Protection Association (NFPA) reports that heating equipment is the leading cause of home fires during winter, and trails only cooking equipment the rest of the year.  Protect your home and family by having your furnace cleaned and inspected every year and installing a carbon monoxide detector.


Annual furnace inspection:

  • The exhaust vent should be clear of obstructions such as leaves or animal nests.
  • The blower motor should be clean.
  • The V-belt and pulleys should not show any wear.
  • The air intake should be clear so air can pass freely to the furnace.
  • The thermostat should be clean and in good working condition.
  • The flue assembly should be properly aligned and rigid.
  • The flue should be securely attached to the furnace collar.
  • The wiring near the flue should be tight.
  • The flue pipe, fuel lines, safety controls and burner should be clean and in good working condition.
  • If the owner’s manual calls for it, the technician should oil the motor and bearings.
  • Increase the energy-efficiency of your furnace by replacing or cleaning the filters three or four times a year.


Eliminate hazards:

  • Keep the area around your furnace clean and free from debris. Keep a 36” clearance around the furnace.
  • Never store combustible materials such as paint thinner or gasoline near your furnace or vent pipe.
  • Never drape clothes over your furnace to dry.

How to Prevent Carbon Monoxide Poisoning

December 25, 2009 in bradford, Bradford PA, bradford pennsylvania, Uncategorized

Here in good ole Pennsylvania, it sometimes seems that we’re inside with the heat running more often than “not”  Here’s a safety tip on carbon monixide poisoning from my friends at Erie Insurance.  Remember, when you want the best pennsylvania auto insurance rates or pa homeowners rates you need to contact the Williams Agency and get a rate from Erie Insurance Group.



Your furnace—and any heater that burns fuel—can leak carbon monoxide. Although it is a natural byproduct of the incomplete combustion that makes your furnace work, carbon monoxide can be deadly. The Centers for Disease Control estimates it leads to the deaths of more than 500 Americans each year. 


Carbon Monoxide is odorless, colorless and tasteless. You cannot distinguish carbon monoxide in your home unless you install a carbon monoxide detector. Check the detector’s battery twice a year when you change your clocks, the same time you check your smoke detector batteries. Contact an Erie Insurance Agent for more information about protecting your home, possessions and family from the impact of a fire.


Prepare Your Home for Pennsylvania’s Winter Weather

December 23, 2009 in bradford, Bradford PA, bradford pennsylvania, Uncategorized


Little info I “borrowed” from the erie agents website that I thought may be of some value to all of you.  Merry Christmas !

Erie Insurance recommends homeowners take the following precautions to help protect your home against winter weather:

  • Maintain your guttersRemove leaves and other debris from gutters so melting snow and ice can flow freely.
  • Trim trees and remove dead branchesIce, snow and wind can cause weak trees or branches to break, damaging your home, car or injuring someone walking on your property.
  • Add insulationAdd extra insulation to attics, basements and crawl spaces. Ideally, the attic should be five to ten degrees warmer than the outside air. Well-insulated basements and crawl spaces can help protect the pipes from freezing.
  • Maintain pipesWrap pipes with heating tape. Insulate any unfinished rooms or garages with exposed pipes. Check for cracks and leaks. Have any minor pipe damage fixed immediately.
  • Keep your house warmKeep the temperature in your house at least 65 degrees. The temperature inside the walls where the pipes are located is substantially colder than the walls themselves. If the temperature is lower than 65 degrees it will not keep the pipes from freezing.
  • Check heating systems- The proper use and maintenance of furnaces, fireplaces and wood-burning stoves can prevent fire and smoke damage. Have furnaces, boilers and chimneys serviced at least once a year before the heating season begins. Make sure that all of the smoke alarms are carbon dioxide detectors are working properly.
  • Maintain steps and handrailsBroken stairs and banisters can become lethal when covered with snow and ice. Make repairs now to prevent someone from falling and seriously being injured.

This is also a good time of year to review your pennsylvania homeowners insurance policy. Talk to your agent about any major improvements or additions you have made to the home to keep all of your information accurate and up to date.

Protect Your “Great” Pennsylvania Auto Insurance Rate

December 18, 2009 in bradford, Bradford PA, bradford pennsylvania, pennsylvania auto insurance rates, rate protection, Williams Agency

Alrighty then…your pennsylvania auto insurance rates are pretty low. You’ve got great coverage, accident forgiveness and things are just swell.

You’re hearing talk from friends about their car insurance going up. You referred them to your agent, but he couldn’t help either. Wonder why you’re getting such a good deal? Will your next renewal policy scare the pants off you? 

On of the newest features to come along since the dissappearing deductible is rate protection.  A few of the leading insurance companies are now offering many of their preferred clients a chance to “lock in” their current rate for periods of up to 2 years. If you think about it, it’s a pretty good idea…wish I could claim it ! However, whoever did come up with the idea has kept it a pretty good secret because hardly anyone knows about it ! 

Don’t wait for your next renewal policy scares you half to death, call your agent right away and see if you are able to “lock in” your car insurance rates. If the answer is no, maybe you’ll need to call the Williams Agency and get that taken care of right away. We’ve also got companies who will guarantee to “grandfather” in the accident forgiveness so you won’t be giving up any valuable features when you come over.