New Year, New Plans, And New Reads

The start of a new year is here, and with it come new beginnings.  Resolutions will be made (and forgotten) and plans for the next twelve months, whether business or personal, will spring into action. For our family of Independent Agents, this time of year is also when we update our reading list. In fact, as our family grows and matures our Christmas morning has in many ways become a small book exchange, much to everyone’s delight.

Even if it’s a few minutes each day, reading is a great way to relax while feeding your mind with new knowledge. So what am I currently reading?

I love classic literature, and well-made biographies. Of course, I read plenty of finance and insurance articles to keep educated on our ever evolving world too. I also recommend Retire Inspired by Chris Hogan and The Total Money Makeover by Dave Ramsey as reads everyone should put on their list sooner rather than later.

What Do You Have Planned For 2018?

Are you planning on purchasing a house? Expanding your family or just just vehicles? Moving to Southwest Virginia? There are many items we plan for, and many we do not. This is why it helps to know that someone local is here for you when the need arises.

2018 is going to be great year, and as a resident and local representative for the Commonwealth of Virginia, I’m ready and eager to begin new partnerships and extend those currently in place.

You can find me, and the rest of family of Independent Agents through our many avenues of communication.  You can even get a quote online through our agency.

Remember, we’re for you. Let us help.


Joshua M. Dove

Dove Insurance Agency

(540) 382.4277




The Official Start of Winter

Winter has officially arrived.

We’ve already received our first snow of the season, and with it the expected hazardous road conditions. Southwest Virginia is particularly vulnerable to the winter conditions because of our landscape and location. Hills that quickly become icy are difficult, if not impossible, to navigate. Deer are a constant problem and so are other drivers.

Though it may be a tad cliche, make sure you take the extra precautions this winter season when winter weather arrives. It not only keeps your family safe, but it may help save you some money along the way.

Preparing Your Vehicle*

As temperatures start to drop, it’s time to make sure your car is stocked with a winter driving survival kit, including an ice scraper, a snow shovel and sand or salt. This way, you’ll be prepared if winter weather arrives while you’re away from home. It’s also a good time to check your tires to determine whether it’s time to replace them or whether you need snow tires.

A few habits to adopt regularly during the winter months can also help prepare you for a wintry drive. Make it a practice to keep your gas tank at least half full so you can run your engine and stay warm if you get stuck or stranded. Keep your windshield wipers in good condition and your windshield fluid reservoir filled so you can clear snow and ice from your windshield.

Watching the Weather

If you plan to travel when inclement weather looms, monitor road and weather conditions by checking local news stations or Internet traffic and weather sites. You can sign up for weather alerts to receive text messages and optional alerts for your area. Do not check your phone while driving, and avoid all unnecessary distractions when you’re behind the wheel.

Driving for Winter Conditions

Before you leave the driveway or parking lot, take time to clear snow and ice off your car, including your windows, mirrors, lights, reflectors, hood, roof and trunk. Drive with your headlights on, and be sure to keep them clean to improve visibility. Use caution when snow banks limit your view of oncoming traffic.

As you get on the road, remember that speed limits are meant for dry roads, not roads covered in snow and ice. You should reduce your speed and increase your following distance as road conditions and visibility worsen. Avoid using cruise control in snowy or icy conditions – you want as much control of your car as possible. Be cautious on bridges and overpasses as they are commonly the first areas to become icy, and avoid passing snow plows and sand trucks. The drivers can have limited visibility, and the road in front of them could be worse than the road behind.

Care driving behind other cars in the winter

* Content provided by Travelers Insurance


Thoughts on 2018

The year 2018 is bringing a milestone into my life representing 40 years in the Insurance Industry. My first insurance job was in 1978 working for a Company called Dairyland Auto in their regional office located in Richmond.

Looking back, it was perhaps one of the best training opportunities to prepare me for 4 decades of serving customers. After 2 days of basic training I went live on the phones, fielding calls from both agents and customers all over Virginia, DC, Maryland, and Maine. The laws, rules, and regulations were different for each state. I had to learn quick to keep from being run over!

Since that beginning, I have continued to learn both how to serve customers and thrive as a business owner. And I have found that even though I still have a lot to know about business, wealth, life, and health I know that the secret is to persevere and keep moving forward.

So for all our existing customers and to the ones I haven’t met yet, please accept my thanks and wishes for a prosperous and Happy New Year both now and for years to come!

Michael Dove

(540) 382.4277