• Snow Tires:  It's time!  Get your snow tires on as soon as possible, if you haven't already done so.  These tires not only make driving easier, but they can also save lives. (practical holiday gift idea for your loved ones)
• Travel Time:  Black ice, slush, and freezing rain make for a treacherous commute.  Leave home a little earlier, drive slower, and keep plenty of space between your car and the one in front of you. 
• Visibility:  Make sure you warm your car up before you leave, and start that defroster.  Keep your ice scraper handy and be sure to have plenty of windshield wiper fluid.  Check or replace your wiper blades.  (practical holiday gift idea)
• 24/7 Claims:  If you do have an unfortunate accident, don't forget that we have a 24/7 Claims Service Team.
  • Call any office or staff direct line - It's always option #1 for Claims.
  • Instant mobile access: m.insure-vt.com - Claims Phone and Tips at your service.

1. Roku XDS, $99: If you already have a Netflix membership, this is a no-brainer.  Connect to your home wireless network and link to your Netflix account for instant viewing of thousands of titles.  Great idea for expanding your movie options without a huge investment.
2. Xbox 360 Kinect, $150-$230: A beautiful add-on for your Xbox.  This little bar sits on your TV and follows your body motions as you jump around.  Good for large living rooms with wide-screen TVs and for those who like to get up and move.
3. iPod Touch, $229-$449: Don't want to switch providers but want the FaceTime video calls with your friends?  Nice little addition to your pocket, but limited to WiFi networks.  (Wait until January to see if the iPhone at Verizon rumors come true).
4. Dell XPS 15 Laptop, $849 and up: If you're looking for a nice mid-grade laptop that packs a punch, this is it.  New sleek design, New Intel Core i5 processor, Super-Speed USB ports, JBL speakers, built-in webcam, optional TV tuner and blu-ray drive so you can ue the HDMI port to connect to your TV.
5. Amazon Kindle, $139-$189: Take up to 3,500 books with you wherever you go.  The new Kindle weighs less than a paperback and uses the latest E-Ink technology with cleaner, easier-to-read fonts.  You can win one for free!  See below for your chance to win! 

• Answers must be received by December 20th.  The drawing will be held on December 22nd. 
• The winner will be notified by email or phone and announced on our website and in the January newsletter.

• Mobile: m.insure-vt.com (*New!  Instant access to us.)
• Online: www.insure-vt.com.
• Call: 802-658-3500 or 800-639-1655.

Wishing you a safe and happy holiday season,

From the staff at...

(Hickok & Boardman and Denis, Ricker & Brown are members of the Hickok & Boardman Insurance Group.  Comprised of 4 separate corporations)