Car Tips & Advice to help Save on Insurance

Driving Safety

Being a good driver means being a conscientious driver. And a conscientious driver is typically a safer driver. After all what you carry is precious and it’s your responsibility to do everything you can to protect it. Here are a few things you can do to be a good driver and help reduce your risk of accidents.

Do

  • Use a hands-free system to make and take calls in your car
  • Arrange to take a cab or be picked up if you’ve been drinking
  • Be aware of how tired you are. As soon as you notice the signs of fatigue, pull over and let someone else drive, or find a safe place to pull over and rest.
  • Wear your seatbelt and insist that your passengers do the same. Seatbelts save lives.
  • Make sure your child’s car seat is properly installed. Follow the manufacturer’s directions.
  • Leave a safe space between yourself and the car in front of you (and leave more space in bad weather)
  • Use your signals, always
  • Check your blind spot when changing lanes
  • Have a dedicated set of snow tires that you use between December 15th and March 15th

Don't

  • Talk on your phone or text while driving. Ever.
  • Drink and drive. Even one drink can affect your ability to steer, brake and react safely.
  • Rush to your destination. Rushing can lead to risky choices like excessive speed, running red lights, and improper signaling.
  • Eat, drink, groom, rubberneck, read maps, adjust the radio/temperature/GPS etc. while driving. Keep your  hands on the wheel and your eyes on the road.
  • Tailgate
  • Stay in another vehicle’s blind spot (especially trucks and other large vehicles)

Car Maintenance

 The phrase ‘an ounce of prevention is worth a pound of cure’ applies to a lot of things in life, including the maintenance of your car. If you take good, preventive care of your car, chances are, it’ll last longer and have fewer major problems down the road. Fewer major problems can mean big savings in the long run. Think of it as an investment in your car’s health and well-being.

Do

  • Regular oil changes to keep your engine in tip-top shape
  • Regular scheduled maintenance to catch issues before they become problems
  • Rotate your tires regularly and replace them at the first signs of wear
  • Replace brake pads when they become worn
  • Use the highest quality gas you can afford
  • If a warning light comes on, take steps to resolve the problem as soon as possible
  • Remove unnecessary weight from your car and trunk
  • Use snow tires between December 15th and March 15th

Preventing Car Theft

 We’ve been in this business for a long time. If there’s one thing we’ve learned over the years, it’s that no one is completely immune to theft or damage. But we’ve also learned that there are many things you can do to help reduce your risk, one common-sense step at a time.

Do

  • Turn off your engine and lock your doors every single time you leave your car
  • Keep all personal items completely out of sight, including cords for laptops, MP3 players or phones.   Even the hint of something valuable in your car is enough for a thief to consider breaking in into it.
  • Install an anti-theft device like an engine immobilizer
  • Use a device that locks your steering wheel or gears. It’s visible to thieves, and it may be considered too much of a hassle.
  • Take your GPS device with you when you leave your car

Don't

  • Leave your car running if there’s no one in it. Even for a minute. That’s all the time an opportunistic thief needs to jump in and drive away.
  • Leave your ownership papers and/or insurance papers in your car
  • Stash your spare key in your car. Thieves know all the hiding places.
  • Park in poorly-lit or not visible spots, especially when you’re away from home
  • Leave loose change visible. Even a few dollars can be tempting to a thief.

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