northtown insurance

Great Insurance is no Accident!

Assembling Your Car Emergency Kit

man holding spare wheel against broken car

Fall and winter in the Spokane area is a wonderful time!  From Green Bluff pumpkins and corn mazes to the Coeur d’ Alene Christmas Tree lighting and Christmas Lights Cruise there is a ton of stuff for everyone to enjoy.

As we are heading into the Fall and Winter months, there is an increased likelihood of facing hazardous conditions while driving.  Additionally, while your car may appear to be in good shape, there is not guarantee that problems are going to arise, no matter how well you may maintain it.  While some auto issues may occur at or close to your home, the vast majority of issues you will run into will be on the road.

In light of this, it is important to be prepared for when the inevitable and have an emergency car kit.  You can purchase a number of pre-packaged emergency car kits ranging anywhere from $20 to $100 online or in stores…. but you can also save a lot of money assembling your own kit, as well as add several additional must have items.

Here are some items that are essential to any car emergency kit:

  • Your cell phone and a car charger: A charged cell phone can make all the difference in an emergency. It can be the difference between life and death, and getting help right away, versus no help at all.
  • First-Aid Kit: A well-stocked first aid kit is essential for a number of emergencies. It is important to make sure if your family has any special needs (i.e. life threatening allergies) that any special items are included in this kit.
  • Three Reflective Warning Triangles: Most emergency kits only contain one triangle…for increased safety it is helpful to have three that are placed 50 miles apart to warn oncoming traffic of your car.
  • Tire Gauge: It is important to be able to check that your tires are properly inflated, especially your spare tire. It is important to have a properly inflated spare tire for when you need it.
  • Fire Extinguisher: You should have a Class B and C rated NFPA fire extinguisher in your vehicle. These ratings of extinguisher cover flammable liquids like gasoline or diesel and electrical fires as well.
  • Jumper Cables: Car batteries die. Jumper cables are an essential item to your kit.  They should be at least 10 feet in length and have 8-gauge rubber covering them.  Optionally, a car battery charger is a great item to have in case there is no one around to jump your battery.
  • Flashlight and extra batteries: Car’s break down at night, and as such a solid waterproof flashlight is an important item to have in your kit.
  • Foam tire sealant: This is a great, cheap way to repair a flat without changing the tire.
  • Duct Tape: Useful for all kinds of purposes. Having a roll of duct tape is essential.
  • Tow Strap or Rope: It may be necessary that you get a tow from a friend with a truck. Having a tow rope that can handle 6,000 lbs is a must have.
  • Gloves: During the winter, winter gloves or mittens are an essential item. Leather work gloves are also handy for working on your car.
  • 1 quart of motor oil and 1 gallon of coolant: These essential fluids are important for your car to maintain operation and are the most likely to run low. Having these on hand can help save you in a pinch.  It is also handy to have a funnel in your car for adding these to the vehicle.
  • Rags: Handy to have around to clean up fluids and check dip sticks in your engine.
  • Multipurpose utility tool: This can be something like a Leatherman Tool or a Swiss Army Knife. If you have the space for a socket and wrench set, this can come in handy as well.
  • Rain poncho: Even an inexpensive plastic poncho is better than nothing when fixing a tire in the rain.
  • Warm blanket: During the winter or at night if you’re stranded it can get cold. Staying warm is important when away from shelter!
  • Drinking water & non-perishable snacks: Having bottled water and some food with you is essential in case you are going to be stranded for a while. Protein bars are a great choice!
  • Snow Shovel: Important to have with you during the winter in case you get plowed in or stuck in a snow berm.
  • Cat Litter: During the winter this is great to add traction to icy surfaces to get you unstuck. It weighs significantly less than sand as well.
  • Windshield ice scraper: A must have item to take care of your windshield during the winter.

In addition to having your emergency kit in the car, it is vital for you to check your spare tire kit and ensure that you have the tools you need to change a tire as well as the jack, so that you know you have what you need to change a tire.

While Fall and Winter are an exciting time with a lot to do in the Spokane area, it is important to be prepared for the unexpected and to be safe.

As a part of being prepared, don’t forget to understand everything there is to know about your auto insurance policy.  If you’d like one of our experts here at North Town Insurance to go over your current policy with you and check that you have adequate coverage at the best rates, please don’t hesitate to reach out to us for a review and a quote!




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Dogs & Insurance

This month we are so lucky to be partnering with Rescue4All! The work they do with dogs that cannot be adopted because they need medical treatment, it is inspiring. Check out Facebook for videos of these awesome success stories.

For this month we are donating to them for each referral that we receive. We are hoping to bust our goal of $200.

How does insurance come into play? Well…we now have Pet Insurance! This coverage will help cover your pet’s medical treatments and other issues. Contact us to get more information.

Referral Program - R4A

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Cold Weather Donations

It is still cold outside! Our office is taking cold weather donations for local crises shelters. Those donations include new or used blankets, gloves, jackets, scarves, socks, hats, cocoa, soup or anything else that will keep people warm.

Cup of Cool Water is a nonprofit drop in center for youth, starting at 13 years old. They provide meals, showers, washers, haircuts, games & a safe place for kids to get out of the elements and build healthy relationships.

Our hope is to give back this winter season by stocking up their donation room.

Thank you for partnering with us to help our community!Cold Weather Donations

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December Calendar!

For the month of December, we are encouraging Random Acts of Christmas Kindness! Our NTI Facebook page has an event that will give ideas, encouraging stories and inspiration – please join the event & make Spokane feel loved this December.

Along those lines, we hope to see you at Donut Parade sometime the week of 12/14-12/19 for a free coffee or donut. It’s the time of year that we want to say “hi” and “thank you” for helping our office be the best we can be!

Free Coffee 2015

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November: Thanksgiving Feast Giveaway

Did you know that the 2nd Harvest Food Bank can use $1 to contribute to creating 5 meals? It’s amazing! This month we are taking food or funds donations to help our community this holiday season.

For each contribution given, we will put you in a drawing for a Thanksgiving Feast Giveaway. This giveaway will include a turkey, fresh & canned vegetables, stuffing & other items needed for a great Thanksgiving dinner!

Thank you for working hard with us to give back to Spokane.

November Flyer 2015

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NTI MONTH: Octo-Brew

We have been the most excited for our Octo-Brew Month!  In honor of our local brewery, wine & hard cider clients we are hosting a Brews & Bands event at the newest Brewery in Spokane – Bellwether Brewing!  There will be tastings, food, live music & much fun mingling.  The event is open to everyone…the more the merrier.

October 21 we will also be hosting a Cider Press Party at our North Division Office!  Bring your apples, jars & families and we will press our own cider!

October 24 Spokane’s Lantern Fest!  Get a discount using promo code: peak72015

October 24-25 is the Girls Day Out!  North Town is giving away a raffle at that event, so look out for it…it’ll be something good!

So much fun going on this month and we hope you join us in it all🙂

October Brews - Bands 2015

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Pet Appreciation Month!

Pet Month Flyer 9-2015

This month we are highlighting Pet Appreciation!  Please enter to win one of two pet gift baskets.  Pass the word that for each new like on our Facebook Page, we will donate $.50 to Rescue4All!

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Back-to-School Giveaway!

Back to School NTI

We are taking nominations for a back-to-school give away!  Email your entries to

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Adventure Month!

July is our month of Adventures!  We are partnering with Peak7, an awesome nonprofit supporting underprivileged & at risk youth by taking them on adventures.

We hope you will join us at our events and make sure to enter the raffle for an ADVENTURE GIFT BASKET!  Like us on Facebook and email your entry to

Adventure Month 7-2015

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Garden Month Drawing!

Check out our Facebook page for the winner of the Garden Month Gift Baskets!

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