texting while driving - Spencer Insurance Agency, Inc

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

 

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

Check out our “Parents of teen drivers” website for more tips:

  1. Links to the PA, DE and NJ Motor Vehicle departments
  2. Tips and suggestions
  3. Safe teen driver course

Contact us today to make sure you have the coverage you need with a teen driver in your home.

“Why did my car insurance rates go up when I haven’t any accidents or claims?”

Teen Driver Insurance and Resources

 

We hear this question often from our clients.  Car insurance rates for all companies have increased over the last few years and I’d like to address some of the reasons:

  • While technology in cars can make them safer on the road, it also adds to the cost to repair the car. My new Camry has five cameras to help me back up and see what is around my car. It also has lane departure warnings and helps navigate me back into the lane. I also have headlights that move as I turn my car.  All these features are great but to repair a bumper or windshield is now a lot more expensive.
  • There are more cars on the road than ever before and with stable gas prices people are driving more. More driving leads to more accidents.
  • Distracted driving. Do I need to say more?  I was on the road the other day when the driver in the car next to me was holding his cell phone to his ear talking with one hand as he drank his coffee using the other hand.  Not sure how he was driving.  It used to be when one of our clients was rear ended at a traffic light they were hit at about 10 MPH. Now due to distracted driving, drivers don’t even realize the light is red and smash into the car in front of them going 40 or 50 MPH. This leads to much more serious claims and higher payments. Over the last three years our agency has had three claims over $500,000 in liability payments.  Fortunately for two of our clients they purchased an umbrella policy that we recommended.

All these factors contribute to the rise in car insurance rates. Our goal at Spencer Insurance Agency is to make sure you are paying a competitive price for your insurance coverage. We review your renewal policy to make sure it is not out of line.  As independent agents we have several companies to choose from for your auto insurance rates.  If you ever feel your rates are too high let us know. We will check it out.  If another company’s rate seems a lot lower please call to discuss the quote with us to make sure you are getting the same coverage.  The “True Cost of Insurance” is not just the premium but also the additional out of pocket costs you incur because you had the wrong coverage.

Contact Spencer Insurance Agency for a second opinion on your car insurance.

 

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.”

 

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

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/

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.

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.

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