costly mistake Archives - Spencer Insurance Agency, Inc

SAFE DRIVING MEANS SAVING MONEY

Do you want to save money on your auto insurance by driving safely? Most companies are using car telematic programs to do so.

Car telematic programs are wireless devices that communicate with each other. In the world of auto insurance, this means that insurers collect data by using a cell phone app or a small in-car tracing device. Yes, that might sound intimidating but there are many reasons how these devices could be useful to you.

Lower Rates. Do you want to pay less for car insurance? Your car insurance should be based on how you drive, not the age of the driver. Careful drivers can be rewarded for their good driving habits. Whether it is a lower deductible or premium, you will see exactly how your driving affects you.

Misuse. Trying to save your family vehicle for as long as possible? Telemetric information can help discourage the misuse of your vehicle so it will have a longer life in the family. Some devices will let you know when you are braking or accelerating too hard, which could decrease the life of your vehicle.

Teen Drivers. Having a teen driver out on the roads for the first time can be scary. Telemetric tracing devices allow you to see if your teen is driving safely. Are you scared of them being reckless with the family vehicle? You are able to gather information such as braking or accelerating too quickly, for a teaching moment that could one day save their life.

There are many carriers that use this technology today. Each carrier has their unique device or app that allow you to personalize your rates based on how you drive. You can start saving by calling Spencer Insurance Agency at 215-885-2200 or visit our website.

 

Sources:

https://www.brickhousesecurity.com/gps-trackers/apps-vs-devices/

https://www.compare.com/auto-insurance/resources/how-insurance-telematics-work

https://twocents.lifehacker.com/should-you-let-your-insurance-company-track-your-drivin-1845201248

 

Auto Insurance Points; Everything You Need to Know

Unless you grew up in one of the 9 states that doesn’t use the points system on drivers, you are probably well aware of what points are. Points are applied to your license when you are pulled over for a driving violation and can vary depending on the infraction. Going over the speed limit? Probably a fine, and maybe a couple points on your license. Going 92 miles an hour on the highway in the middle of a rainstorm? You’re looking at a hefty fine and at least 4 points on your license. After a certain number of points, your license will be suspended.

The points system affects more than just your license, it also affects your auto insurance rates. If you go to get auto insurance and get a quote before they check your driving record, you will probably be shocked when they read off the rate you will actually be paying. This is especially true if you have a driving record that could be considered less than sterling. Fortunately, we can offer some tips on how points can affect you.

  1. Not all tickets end up on your record. Usually, a first-time, non-moving offense will not end up on your record. The police department would have to report you to the DMV and usually it is not worth their time to report someone not wearing a seatbelt. Unfortunately, unless you have only recently been driving, your first offense was probably during your teen years. That luck might be used up by the second or third offense.
  2. 9 states (as of 2018) don’t use a points system. Those nine states are Hawaii, Kansas, Louisiana, Minnesota, Mississippi, Oregon, Rhode Island, Washington, and Wyoming. You may not accumulate points in those states, but your infractions will be monitored.
  3. Driver’s License points and insurance points are not necessarily the same. Your premium may be high because of insurance points used by the company itself rather than the points on your license. This may include where you live or the kind of car you drive. Consult with your agent to learn exactly what the issue is.
  4. You can remove insurance points with an approved driving course. Traffic court can sometimes offer driving courses that keep offenses off your record. This is a great option that you should take if given the opportunity.
  5. You should know your driving record. The insurance company will probably check your driving record when putting together your policy. This is usually when the policy rate jumps up. Knowing your driving record will help you gauge whether or not you will experience a premium increase.
  6. You’d be surprised what raises your premiums. Poor credit can raise your premiums. If you live on a busy street, your premium could rise because your street is considered “high risk.” Specific cars can also increase your premiums. These cars are luxury cars, convertibles, sports cars, and vehicles that do poorly in safety tests.
  7. Major violations will definitely raise your premiums – a lot. If you have violations for racing, DUI, impaired driving, reckless driving, refusing a breath test, hit and run, failing to stop for police, or driving on a suspended license, you will experience hundreds of dollars’ difference in your premiums, an arrest on your record, and possibly being cancelled by your insurer.
  8. Small violations may not affect your premium. Minor infractions may not show up on your record, but even if they do they may not affect your rate. These include failure to yield, speeding, improper passing, expired license, no proof of insurance, broken tail lights, not displaying license plate, noise violations, texting, or tailgating. This depends on each state’s particular laws about these items.
  9. It is difficult to determine how much your premiums will increase by. There is no way to know how much your premium will increase by after a ticket. Every company is different.
  10. Some offenses can follow you for years! DUI’s can follow you for 10 years. If insurers check back that far, you may find something from your past negatively affecting you even though you are a different person entirely. It’s important to know how your insurer calculates points.

Hopefully, this list gives you a good overview of how points can affect your insurance. If you are in the market for good insurance, Spencer Insurance Agency, Inc. can help you find discounts, affordable rates and solid coverage from one of their multiple carriers! Give us a call at (215) 885-2200 or visit us online! https://spencerinsurance.com/

Check out Janet Hunt on The Balance for the inspiration behind this blog post! https://www.thebalance.com/what-you-should-know-about-insurance-points-4083258

 

 

National Teen Driver Safety Week is October 15-21, 2017

Glenside Teen Driver Insurance

 

Spencer Insurance Agency wants to help you, the parents of teen drivers.  This was the reason behind the Spencer Insurance Agency’s Parent of Teen Drivers website.

Here are some statistics in an article by teendriversource.org:

  • 75% of serious teen crashes are due to critical errors such as:
    • Lack of scanning that is needed to detect and respond to hazards
    • Going too fast for road conditions
    • Being distracted by something inside or outside of the car.
  • Two or more peer passengers more than triples the risk of a fatal crash with a teen at the wheel.
  • Seat belts save lives. How many times have we seen local news reports where a passenger was thrown from the back seat of a car because he was not wearing a seat belt?

Spencer Insurance Agency can help the parents of teen drivers in many ways.  We currently have several car insurance companies with very competitive rates for parents with teen drivers in the Philadelphia area. These competitive car insurance rates mean you don’t have to sacrifice coverage to save money on your car insurance premiums.

Spencer Insurance Agency has a website designed for the “Parents of Teen Drivers.”  This website includes:

  • Tips and suggestions for parents of teen drivers
  • Information on some local driving schools
  • Links to Pennsylvania, New Jersey and Delaware DMV
  • Link to a Safe Teen Driver Course providing 16 hours of lessons. Most states require parents to drive with their teen drivers for at least 50 hours.  This course will help you in planning 16 of those hours.

Remember, the best way we teach our children to drive safely is by our example. Contact us today to find out more about how Spencer Insurance Agency can help you with your teen drivers.

Spencer Insurance Agency was the Winner of Best Insurance Agency in 2015 – 2016 – 2017

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.

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.

Know someone who has a teen driver?

teen-driver5

Spencer Insurance has a website just for the “Parents of Teen Drivers.” Check it out.

The website is rich in tips on how to prepare your teen to become a safe driver. We team with parents to help them with some content when you spend the hours needed practicing before your teen can take the exam. We have 16 hour long steps on topics a teen needs to know before they start driving. Get our “Safe Teen Driver Course.”

Check out our Parent/Teen driving contract so your child knows the consequences of certain driving behaviors. We also have links to the surrounding states Department of Motor Vehicles so you can know the law.

Call our office when your son or daughter gets their permit and we will send you our “Teen Driver Kit.”

We wish you the best in teaching your child to become a safe teen driver.

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.,