It’s football season which means it’s tailgating time! While the excitement of grilling out, drinking and cheering on your favorite team is uncontainable, I have to point out the downsides to tailgating. Not only is it expensive, but tailgating can become dangerous. Common dangers include drunk driving, accidents in parking lots and other dangerous activities such fights.
How Tailgating & Insurance are Related
Before we offer our tailgating tips, I want to share with you a reason to check your insurance. Not only do you want to check your auto insurance for coverages, but also check your homeowners for MedPay coverage and limits. MedPay is important to review in case you are accused or sued for causing injury to someone (whether your fault or not). MedPay can help cover the following expenses:
- Funeral Expenses
- Injuries to Passengers
- Inuits to You as a Pedestrian
- Dental Care Caused by Accidents
Call your agent today if you have questions about MedPay or if you want to add it to your policy. It’s normally a cheaper insurance coverage that could save you thousands of dollars.
Tailgating can become expensive very fast and if you’re a first-timer, you might not know how to tailgate. Sounds silly right? It isn’t. Read below for ways to cut costs and become a pro tailgater.
Mike Burden, from Money Talks News, says that delegation is key to having an affordable and fun tailgating experience. It’s expensive and stressful to provide everything so ask your friends and family to help. Here are the 6 delegation tips Burdman offers:
- Appoint a “Beer Guy”
- This goes to the most reliable person who is attending the tailgate.
- Items required: A cooler that can hold 10 lbs. of ice. A 10 lb. bag of ice. Dry ice for the bottom of the cooler. A second cooler that holds drinkable ice (for soda and other drinks). A variety of beer.
- The “Grillmaster”
- This goes to a seasoned tailgater who understands how important cooking the food is.
- Items required: A propane grill and grilling tools
- Teach Your Tailgaters
- Tell your tailgaters to bring their preferred meat with them. Bring enough for yourself and to share. Don’t forget bread and plasticware.
- Recruit a Tentman
- This goes to the most punctual member of the team.
- Requirements: Get to the tailgating zone early. Find a secure, shaded area if available. Try to get this same spot every week. You will also need a 10 feet by 10 feet tent…you can buy one or make your own from PVC pipe and canvas.
- Designate a “Sauce and Side Boss”
- Items required: Ketchup, Mustard, Wing Sauce, and Barbeque Sauce. An assortment of chips. Potato Salad. Beans.
- Assign an “Entertainer”
- This person ensures music is always playing even some games are being played.
- Items required: Music System like a boombox. Cornhole.
Are you the Average Tailgater?
Tailgating Institute conducted a research study to figure out who the average tailgater was. They asked over 20,000 tailgaters in 25 cities across the U.S. to participate in their study. Here are the top answers from the study:
- 60% are between the ages of 25-44.
- 79% of men tailgate more.
- 59% have a college degree.
- 46% of participate 6-10 times a season.
- 44% of the food is purchased by both the husband and wife.
- 42% of tailgaters spend over $500.00 on food and supplies every year.
- 49% travel less than one hour to their stadium.
- 51% set up 3-4 hours before the game.
- 95% cook their food at the stadium.
- 59% use grills, stoves, and smokers to cook.
Check out these sources for more tips on tailgating:
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