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Do you know someone who is a parent of a teen driver . . .

If you have a teen driver continue reading.  If not, forward this message to a friend or family member who is a parent of a teen driver.  You will be doing them a favor.

I remember when my four children were teen drivers. My head was spinning. I had to teach them how to drive safely and pay those high rates for car insurance.  Now that I have grandchildren I look forward to watching my children navigate through this process.

Spencer Insurance has help for parents of teen drivers.  Check out our website designed just for parents of teen drivers.

What is on the website?

  • A list of driving schools – email us if you know another good one.
  • Tips and suggestions
    • Parent – teen driving contract
    • 101 Safe Teen Driving Tips
    • 7 costly mistakes parent make
  • Links to the PA, NJ and DE motor vehicle sites to learn how to get a permit
  • A link to our “Safe Teen Driving Course”

Spencer Insurance understands this is an important and stressful time.  Let us help you navigate through this process.

Please contact us with any questions you may have.

“Your Protection and Peace of Mind is our only Business.”

 

Happy Labor Day! Are you looking forward to the first day of school? Send us your pictures!

Happy Labor Day!  I hope you enjoy the weekend!

Labor Day means it is time to go back to school.  Many of us remember or are experiencing our child’s first day of school.  Excitement, Anxiousness, happiness, sadness are just a few things parents experience not to mention the kids.  I think many times the first day of school is harder on the parents.

 

This is a picture of my oldest and youngest on one of their first days of school.  Send us your pictures of your child’s first day at school.  Send us the old and the new!  Love to see the older pictures too.  Post them on our Facebook page or email them to us.  We would love to share them in our next newsletter.

Be careful driving as the school zones will be active again.  Also, remind your teen drivers to be careful. Don’t forget we have a website for the parents of teen drivers.

Good luck this school year.  Don’t forget to send us the pictures.

 

 

P.S. Spencer insurance will close at 3PM on Friday September 1st and reopen Tuesday September 5th.

Car insurance rates are rising. Want to know why?

Car insurance rates continue to climb in Bucks and Montgomery counties just like the rest of the state.  There are many reasons why rates are rising:

  • Increased cost of repairs due to safety technology in cars today. They make cars safer but repairs more costly.
  • Gas prices are low so people are driving more miles.
  • More cars on the roads

But the most concerning reason auto insurance rates are rising is distracted driving and distracted walking.

Although distracted driving can be looking at your GPS or navigation system, eating or drinking coffee, changing the radio station; the most concerning distracted driving activity is texting while driving.

I saw a statistic that said when on the interstate traveling 60 MPH the average text would involve looking away from the road for the length of a football field.

Don’t think Bluetooth devices are the answer.  Although better than hand held they still distract the driver.

 

No text or phone call is worth your life.  If you need to take a call or make a call pull over to a parking area then make the call.  We all hear and see stories of accidents while texting that are life changing for a family.  The loss of a parent or child is devastating. Don’t let it happen to you!

I also mention distracted walking.  We are seeing more and more claims where people are texting or looking at their phone while walking.  They walk right into an intersection while texting and don’t look up.  The result is more accidents involving pedestrians on their phones.

I hope this article will help just a few people put down the phone when driving and walking.  I don’t want to see anymore claims involving pedestrian hit by cars while the walker or driver was texting.

I also want to make a plea to parents.  Remember your kids are watching your driving habits.  If you are texting while driving you not only put your life and other lives at risk but you are setting a terrible example for your kids.

I understand phones are important for all of us. But when did our lives become so complicated that we needed to be available to answer the phone or text immediately?  I for one do not want people thinking I am available 24/7.  I value my life and yours too much.

Spread the word as distracted driving is becoming an epidemic and as serious as drunk driving.

Know someone who has a teen driver?

Parents: This Doesn’t Have to be a Stressful Time in Your Life. You Can Keep Your Teen Safe, Avoid Paying High Insurance Rates, and Get Peace of Mind!

I remember when our four children were teenagers and wanted to learn to drive.  UGH!

To be honest my children preferred to be taught to drive by their mother, Tammy.  Truth is Tammy has a lot more patience.  What did Dirty Harry say?  “A man has to know his limitations.  Thank you Tammy!

Spencer Insurance wants to help you!  Did you know Spencer Insurance has a website exclusively for the Parents of Teen Drivers?  Check it out!

This website will provide you:

Let us help you as you train your teen driver to be a safe driver.  Most importantly lead by example.  If you text and use your cell phone while driving what message are you sending your teen driver?

Good luck and call us at 215-885-2200 if we can be of any assistance.

5wayssaferteen  grandkids-on-car

 

October 16th – 22nd is Teen Driver Safety Week. 

Please share this short video with your Teen Drivers.  Pass it on to a parent you know who has a teen driver.
Did you know that Spencer Insurance has a website dedicated to the “Parents of Teen Drivers?”  Check it out!  Let your friends and family know about this valuable website.

Check out our Facebook page these weeks for more tips and videos.

We hope you find this information helpful.  Spencer Insurance Agency wants to help you protect your family.

Have a great week,

https://spencerinsurance.com/3234-2/

Have a Teen Driver? This summer is the time to brush up on their driving skills!

teen-driver5

When teen drivers get a permit, parents spend many hours training their teen drivers. As parents we want to make sure our teens are safe when driving and develop safe driving skills.

Many parents stop training their teen after they get their license.  Why???  Summer is a great time to drive with your teen driver to observe their driving habits and help them develop new driving skills.  When we vacationed in Maine or New Hampshire I would let my teen drivers take over the wheel while on the interstates and rural roads.  We don’t have a lot of rural roads around our neighborhood so having them drive in New Hampshire and Maine sharpened their driving skills.

So if you are down the shore, up in the mountains or in another state make sure you let your teen drivers take over the wheel and get some experience.  Help them develop new safe driving skills.

Try this all times of the year.  In the Fall we have slippery roads due to falling leaves, in the winter there is snow and ice.  Take them out during these times even if just in a parking lot to learn how to drive in these conditions.

Check out our many tips in our Parents of Teen Drivers Website.  Call us at 215-885-2200 if you have any questions or would like a second opinion on your car or home insurance costs and coverage.

October 19 – 25, 2014 is National Teen Driver Safety Week

texting and driving

Spencer Insurance is committed to Teen Driver Safety. During National Teen Driver Safety Week our agency will be posting valuable tips all week on our Facebook Page about Teen Driver Safety (https://www.facebook.com/spencerinsuranceagency). Check us out. Go to our page and click “Like” so you will be sure to receive these valuable tips.

Have you checked out our “Parents of Teen Drivers” website? This website provides parents valuable information as they undertake teaching their teen driver to be a safe driver. Some of the content we share is:

  • Tips and Suggestions including a “Teenager – Parent Driving Contract”
  • A list of driver education schools in the area
  • Valuable links including links to Pa, NJ and DE Department of Motor Vehicles
  • A link to our “Safe Teen Driving Course” which provides 16 lessons for parents to use when they are completing the 65 hours of mandated adult-supervised skill building with their student driver.

Go to our “Parent of a Teen Driver” website for this valuable information.

The Children’s Hospital of Philadelphia Research Institute has a special website to support National Teen Driver Safety Week. Go to our “Parents of Teen Drivers” website to link onto this site. CHOP provides Stats and Facts along with additional links and multimedia presentations.

Spending some quality time teaching your teen driver to be a safe driver is one of the best things a parent can do to keep their child alive. Teaching by example is the most effective technique. Today, cell phone distraction has become the number one killer of teen drivers, surpassing the number of teenager drinking and driving deaths. What example are you showing your teen driver?

Let Spencer Insurance help you by taking advantage of the material we provide on our “Parent of Teen Drivers” website. And . . . don’t forget to review your auto insurance to make sure you have enough protection as you are 5 times more likely to have an accident in your household if you have a teen driver.

 

 

 

 

 

 

 

 

http://www.teendriversource.org/more_pages/page/support_national_teen_driver_safety_week_now_for_parents/for_parents

School is out! Time for that talk with your teen driver. . .

teen-driver5
Summer brings a break from school and an increase in the time your teen drivers spend in the car.

Here are a couple tips:

  • Spend some time with your teen driver in teaching them how to merge onto an expressway or interstate highway and practice changing lanes. Many of us will travel to vacation spots and use interstate highways. Why not use this as a teaching moment for your teen driver.
  • Set the rules for Teen Driving. Remind them of the National Highway Traffic Safety Administrations “5 to Drive Rules.”
    1. No cell phones while driving
    2. No extra passengers
    3. No Speeding
    4. No Alcohol
    5. Always buckle up.

Most accidents are caused by driver inattention and distraction. Stress safe driving habits with your teen driver.  Review the parent/teen contract on our website to set expectations for your teen driver. For more tips for parents of teen drivers go to our website at www.spencerinsurance.com.  This website is full of information for the parents of teen drivers.

 

Have a safe an enjoyable summer!

 

Distracted Driving – Not Just Your Cell Phone!

Dangerous Call

While distracted driving includes the use of cell phones, there are many other dangerous driving distractions.

In a web post (https://www.travelers.com/prepare-prevent/auto/distracted-driving/distracted-driving-statistics.aspx ), Travelers Insurance talks about the many distractions we face while driving.  The bottom line is that anything that takes your eyes off the road is a driving distraction.

Here is a list of some of the distractions and consequences mentioned in that article:

  • Cell phone use – Did you know during the average text your eyes are off the road the length of a football field? You are 23 times more likely to have an accident if you text while driving.
  • Eating – You are 2 times more likely to have an accident if you eat while driving.
  • Dropping a water bottle – Find a safe place and pull over to retrieve the water bottle. You are 9 times more likely to have an accident when you try to retrieve something.
  • Personal Grooming – Wait until you are in the parking lot. You are 3 times more likely to have an accident if groom yourself while driving.

There are many other distractions like reading, checking your GPS, changing the radio channel or CD, reviewing your IPod and looking at people in the back seat.

All of us need to be careful with driving distractions.  As summer approaches more teen drivers will be on the road.  Make sure you review the dangers of distracted driving with your family.  Driving is not the time to multi task.

For more tips for the parents of teen drivers check out our Teen Driver Website!

We are excited to announce our Re-Designed Website for the Parents of Teen Drivers

We are excited to announce our re-designed Spencer Insurance Teen Driver Website designed for the parents of Teen Drivers!
This Website is designed specifically to help the parents of teen drivers. I remember the highs and lows of teaching my four children to drive.  Actually my wife, Tammy did a much better job of teaching our children how to become safe drivers.  I wish we had the tools available to you when Tammy and I were teaching our four children to drive.
On the website we have many tools to help you:

Make sure you talk to us about reviewing your auto insurance policy to make sure you have the proper coverage now that you have teen drivers.  I would also recommend you purchase an umbrella policy.  Call us today at 215-885-2200for a review of your coverage!

Your friends at Spencer Insurance Agency, Inc.,

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