safe driving Archives - Spencer Insurance Agency, Inc

Emergency Preparedness Winter Car Kit

Having the proper items in your car during the winter can be the difference between life and death during a critical situation. The items listed below can help provide comfort and save your life. Along with the following items, you’ll want to be sure you have a fully charged phone before hitting the road. This can also save your life should an emergency arise.

The Basic Supplies:

These are the essentials. Remember that along with these basic supplies, you’ll need an adequate amount of gas. It’s important to check that your antifreeze is at the proper level as well.

  • Blankets – Even having one extra blanket can provide much-needed warmth and protection.
  • Extra clothes such as mittens, socks, hats, and jackets
  • Flashlight with extra batteries
  • Jumper cables
  • Bottled water
  • A proper first aid kit with all the supplies that come in it. If you use something in your kit, replace it as soon as you get a chance.
  • Windshield cleaner
  • A simple multi-tool such as a Swiss Army Knife or a Leatherman Tool
  • Road flares or warning triangles

Extra Supplies:

If your area experiences extreme winter weather, it’s a good idea to keep these extra supplies on hand as well.

  • Non-clumping cat litter for gaining traction in the snow
  • A folding shovel
  • Sleeping bag
  • Small fire extinguisher (Class B or C for your car)
  • Tire changing essentials such as a jack and lug wrench
  • Paper maps
  • Compass
  • Snacks such as canned nuts or granola bars
  • Ice scraper
  • Tow strap or chain
  • Matches or lighter

 

You can pick from the many options on the market for emergency car kits, or you can take the above listed items and make your own based on your needs. Always remember to check these items and make sure they are still in working order every month. If something needs replaced, do so immediately, as you never know when you may need your emergency kit. Don’t forget to contact Spencer Insurance Agency at (215) 885-2200 or on our website to review your auto insurance policy before you hit the road!

Routine Vehicle Maintenance

Cars are essential to our everyday lives. When you need to head to work or the market, you walk out to your car and expect it to start right up. To keep your car running and avoid potentially costly breakdowns, you should get into the habit of conducting these regular vehicle maintenance tasks.

  1. Change the oil and oil filter. Oil lubricates the engine keeping important parts from grinding against each other. If not changed regularly, oil can also damage your engine by accumulating contaminants and causing friction.
  2. Check your tires monthly. The only thing separating your car from the road is your tires. They must be properly inflated to do their job. To find out how much air pressure your tires should have, find the placard located on the driver’s door jam or look in the owner’s manual.
  3. Regularly inspect all other fluids. Motor oil isn’t the only fluid your car uses to help run properly. Your car has brake fluid, transmission fluid, coolant, washer fluid, and power steering fluid. You can check the transmission fluid with the dip stick and the all other fluids should be able to be inspected manually by removing the related covers and visually inspecting the levels. (CAUTION: Never remove the radiator cap! You risk being scalded. Check the coolant in the nearby transparent refill container.)

4. Don’t forget the windshield wipers, the battery, and the air filter! If the windows streak or the wipers screech when they are used, replace them. If the battery terminals are showing some corrosion, use a wire brush with a solution of water and baking soda to remove it. Your air filter may need replaced once or twice a year. Check your air filter every time you change the oil.

This is just a short list of vehicle maintenance items. If you are uncomfortable performing these tasks, visit your local auto mechanic. They will be happy to assist you! One last item that should be inspected regularly, your auto insurance policy! Give Spencer Insurance Agency a call at (215) 885-2200 or visit us online at https://spencerinsurance.com/ to review your auto insurance policy.

 

Source: https://www.idrivesafely.com/defensive-driving/trending/routine-vehicle-maintenance-101-what-you-should-know

 

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!

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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.

Now is the time to take you Teen Driver out in the snow

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This tip is especially for the parents of teen drivers. Pass it on to someone you know who has a teen driver. Spencer Insurance wants to help take the stress out of teaching your teen driver to become a safe driver.

You are required by the state of Pennsylvania to drive with your teen driver for several hours before they can get their license. What do you do during these hours? Spencer Insurance Agency has 16 lessons for you to follow in our “Safe Teen Driver Course.” Check them out. Especially lesson 12 “Bad Weather.” This is the time to take your teen driver out to learn how to drive in the snow.

We have many other lessons such as Night Driving, Accident Happen, The High Price of driving, Neighborhood driving and many more. Take advantage of this valuable resource.

We have many other tips for Parents of Teen Drivers. Check out our website dedicated just to parents of teen drivers.

Let us know if this information is valuable to you and what other information you would like to see on our page. Good Luck training your Teen Driver to become a safe driver. Don’t forget to review your car insurance during this vulnerable time.

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

Looking for a Safe and affordable car for you teen driver?

Picking up the keys

 

IIHS (Insurance Institute for Highway Safety) has released their 2014 Top Safety Picks for used vehicles to buy your teen driver. Research has shown that teen drivers aren’t driving safe cars.  The institute has put together a list of affordable vehicles that meet important safety criteria.

 

So if you are shopping for a car for your teen driver to use check out the list!

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

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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.,