teen driving contract - Spencer Insurance Agency, Inc

Fall is here and so are the Spencer Agency’s fall safety tips!

Fall Auto and Home Maintenance - Abington, Glenside, Jenkintown Homeowners Insurance company Spencer Insurance

 

As summer comes to a close I ask “will we get rid of this rain and humidity.”  I am looking forward to some crisp fall days and seeing the beautiful change of the color of the trees.

But it would not be fall without Spencer’s fall safety tips.   Check these tips out so you can prevent future claims. This fall section has tips on how to prepare your car and home for fall and winter.  It also has some teen driver tips for parents of teen drivers.

       

Lastly, September is Life insurance awareness month so I have some tips on how to protect your family with life insurance.  Tips on what you need to do with your life insurance if you are getting married or divorced. Rachel will tell you why you should not delay purchasing life insurance.

As always just contact us if you have any questions or concerns.  “Your protection and peace of mind is our only business.”

A few thoughts. . .

  

 

 

I apologize if I am repeating myself but we seem to be the last to know some important changes in our client’s lives.  Many of life’s events have a huge impact on your insurance. I spoke to a friend recently whose son needed to use an Uber driver frequently.  The Uber driver suggested he call him directly and not use the Uber app and he would give him a discount.   Sounds good at first but it is a nightmare for you.  If the Uber driver does not use the Uber App when picking you up then the driver has no insurance coverage for his car. Uber won’t cover him in this case and the personal auto policy has an exclusion for this activity.  Scary, but as I said we are always the last to know important information.

Please contact us and discuss your situation if any of the following life changing events.

  • You are getting married
  • You are getting separated or divorced
  • Having a baby
  • Sending a child to live at college
  • You are putting your house in your children’s name
  • You are putting your house in a trust
  • You are downsizing and preparing for retirement
  • You have unrelated adults living in your home
  • You or your child uses your car for food delivery and/or for Uber or Lyft

Our insurance companies have ways to accommodate most situations but not all.  Contact us to discuss your personal situation. Better to contact us before you do any of these life events so we can discuss how to adjust your insurance coverage so you are properly protected.

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.”

 

Did you know the winter holiday season is the peak season for home fires?

      

Enjoy the Holidays and protect your home from accidental fires.  With all the decorating that goes on around our homes this holiday season we need to make sure we protect our homes from accidents and fires.

This video discusses some of the dangers that lurk this holiday season.

In addition, check out our winter safety tips.

At Spencer Insurance Agency, Your protection and peace of mind is our only business!

Contact us today for more information.

We hope you have a wonderful holiday season.

 

                    

Voted Best Insurance Agency of Montgomery County THREE YEARS IN A ROW!

School is back in session so please driver carefully!

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I have been walking my dog in the morning this summer.  It is great to get some exercise for me and Luna.  Now Luna whines to go out as soon as I wake up.  The mornings are getting darker as the sun rises later.  Keep this in mind this week as students go back to school.

Many high schools start early and the students are walking to the bus stop or school in the dark.  Be aware of them.  Allow yourself some extra time to get to work as there will be more congestion now that school is back in session. You may be slowed down by a school bus or students crossing the street.  Be patient.

This is also a good time for parents of teen drivers to check out our website designed just for the parents of teen drivers. Parents need to continue to train their teen drivers even after they get their license.  Make sure they understand the “rules of the house” in regards to driving your car.  Do you have a teen/parent contract?  Do they know the consequences of their actions?  Will they pay your deductible if they have an accident? Spell this out today in a teen/parent contract.  Parent’s need to educate their teen drivers on how car insurance works.

Check out our website designed for the parents of teen drivers to get more tips, links to your state’s motor vehicle department, a list of some driver’s training schools and much more.

Please be careful driving now that school is back in session.

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.

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!

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.,

Tools for the Parents of Teen Drivers – Lesson #3

Picking up the keys

Lesson #3

(Parking… and we don’t mean at the drive-in!)

Most new drivers are afraid to park the car because they are not comfortable judging the distance from their bumper to the other car.  If the braking exercises were effective in Lesson 2, your teen may be doubly apprehensive.  However, before they can venture onto the road, they must be comfortable with all the dimensions of the vehicle.

For this exercise practice all types of parking.

Safety Tip:  Begin your parking exercises by using empty plastic trash cans to designate the other vehicles.

 

Don’t forget to show your teen how to set (and take off) the parking brake when parking on a hill.

 

Lesson #3

(Parking Lot)

Orientation

(15 Minutes)

Grade

(A, B, C)

Comments, Praise   and

Areas of   Improvement

 

Review   Previous Lesson

   
 

Safety   Check

   
 

Discuss   Today’s Lesson

   

Driving Experience

( 1 Hour)

Grade

(A, B, C)

Comments, Praise   and

Areas of   Improvement

Introduce   New Skill:

Parking

   
 

Straight   In Parking

   
 

Angled   Parking

   
Parallel   Parking (Use Trash Cans as Cars)    
 

Parking   on a Hill

   
 

Practice   Backing

   

Review

(15 Minutes)

 

Comments, Praise   and

Areas of   Improvement

 

Parking

   
 

Scanning   the Road

   
 

Blind   Spot

   

 

 

Additional Comments:

 

 

Skills to review for next lesson:


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