Evans Insurance Services Inc. Blog
Travelling from one place to another is indeed a part of everyday life- going to the office, shopping in the grocery store, spending time with family out of town. Wherever it is, transporting with a private vehicle makes it less time consuming and more favorable not only for yourself but also for your family and friends. But having a car needs extra care and maintenance.
Here are 10 helpful tips that will help you make your car new as always:
There are generally 3 levels when trying to prevent and control accidents. Although you can not totally control everything, there are ways you can minimize risk. Minimizing the risk and the rate of occurrence are the biggest steps in accident control. The first step is doing actions that can help prevent the accident. The second level are actions that can help minimize the impact if the accident does happen. And lastly, how do you respond in the accident aftermath.
Planning on buying a new car? Are you confused with all the different choices you have? Your choice is not only among the different brands, but also with car models and car types. Which should you choose? It really depends on what you're looking for. Here's a simplified guide on car types to help you narrow down your choice for you next car.
Are you looking to buy a car but do not have the budget to purchase brand new? Have you always loved a certain car model that is no longer available brand new? You may consider purchasing a used car. Yes, there are risks in buying a second hand car. However, if you know where to look and how to look, you can minimize those risks and get a really good deal as well. Here are some tips when buying used cars.
If your brakes start to make a shrilling sound that makes dogs hide under the porch and bark, there must be something wrong with your brakes. Squeaking brakes are usually a sign that your vehicle is looking for immediate attention. Even if the brakes seem to work just fine, it’s time for a check-up.
I’m writing this article because one of my customers wanted tips for young drivers and their parents. Having a young driver will bring extra gray hair to parents. Driving makes teenagers feel that they are gaining power and independence in their lives, but with this comes more responsibility. Young adults must realize that as they gain more freedom, they must also grow in maturity to handle this new responsibility.
Many parents are nervous about their teens getting behind the wheel, and for a good reason. If you ask me, it’s all about trusting and knowing your kids. Before you let your child drive, ask yourself if they are mature enough and if they have a good head on their shoulders. Being a good driver is all about attitude. One has to realize that driving is not a game and it must be taken seriously; it’s like having a 3,000 lb weapon in your hands. If you feel your child can handle this huge responsibility, then it’s time they get a license. If you feel your child is not ready at the legal age, go with your gut feeling. After all, I’ve seen too many young drivers die in car accidents and too many parents lose their insurance because of their young drivers’ numerous accidents.
Once you know your child is ready and they have earned the privilege to drive, you may want to follow some of these tips. Supervise them and practice with them as much as you can. Practice makes perfect and it will certainly boost your confidence and theirs in their driving ability. Make sure they always have their seatbelts on; that should be the very first thing they do when getting into the car. Be a good example. If you want your child to obey certain rules and regulations, you must practice what you preach and lead by example. No driving and texting or talking on their cell phone. No driving when they’re emotionally upset. Limit the amount of passengers your child has in the car with them; fatal car crashes increase with every extra passenger. Limit driving at night and set their curfew before midnight; nighttime driving is three times more dangerous than daytime driving. Teach young drivers to be defensive, not aggressive, drivers. Tell them to slow down; speed kills. Let them know to take their time when it rains or snows because bad weather makes the road more dangerous. Finally, make sure your kids vehicles are well maintained with good tires and brakes.
I would like to encourage you to have your young driver speak to me about safe driving. I can be a voice along with yours to help encourage safe driving. Please call me to set up an appointment to meet with your son or daughter at 610-889-9300.
I want to hear from you so please post your comments beow and let me know the struggles you have been facing with your young driver?
I look forward to hearing from you.
Your Agent and Friend
P.S I know insuring young drivers can be expensive so please come to our website and submit a quote request for auto insurance at my website "Quote Link".
One of the most exciting parts of being a teenager is getting a driver’s license and starting to drive. As a parent you might have a lot of worries, one of these being car insurance. While statistically car insurance rates are higher for teenage drivers, the rates are not as high people often make them out to be. Follow some of these tips so that you can minimize your teen’s car insurance cost as much as possible.
There are a lot of discounts that your teen may qualify for depending on the insurance company. If your teen has good grades, he or she could qualify for a Good Student discount. In order to qualify, most insurance companies require at least a B average (3.0 GPA) or that the student be on the honor roll or the Dean’s List. Only persons under the age of 25 qualify for this discount. Another great discount that your teen could receive is a discount for completing a Teen Driver’s Training Course. Most insurance companies offer great discounts for young drivers participating in a Driver’s Ed which should include both behind the wheel and in the classroom training. In the eyes of the insurance company, insuring someone who has been taught how to drive by a professional means your young driver is a more desirable client because they are a better risk. Also this should give you better peace of mind knowing that you have done all you can to prepare your young driver for driving.
Choosing Your Car:
Choosing the right car for the right risk is not only important to you but also to your insurance company. Insurance companies are going to give the best breaks to young drivers when they are rated as part time drivers. So if you have three drivers and two cars if you want to pay the lowest price possible price don’t be in a hurry to buy a third car. Automatically your young driver will be rated as a part time driver.
Now if you’re going to buy that third car for your young driver you want to stay away from expensive cars or brand new cars especially if you’re concerned about paying a high rate. Full time driver rates on young drivers can get expensive so to lessen the blow buy a third car that you don’t have to insure for collision and comprehensive which is the same thing as self insuring the vehicle. Now you will still have coverage for the damage your young driver causes but that would be it. If money is not an issue, then by all means get them a brand new car just make sure you call me and let me handle your insurance.
Keep in mind we would love to be a part of the discussion so please consult with us either by email or phone. Remember we are an Independent agent and we will help you obtain a competitive rate when the time comes for your young driver to get his/her license. We promise to make this process easy for you and your family.
Do you text and drive? Have you ever texted while driving? If you answer no, you're in the minority. Studies show that many people have done it and still do it. The next time you're driving take a look at other cars, I bet you will see it occur right before your very eyes. The studies have also shown that this is not just a problem with teens it's a problem with adults as well.
One study said....Nearly half of commuters self reported Texting while driving in a recent poll by AT & T and 43 percent of those who did it called a "habit".
Ok hearing the word habit made me really start to think about this whole Texting issue and how we can tackle this problem. If you ask me, people are addicted to their phones. The real truth is, the cell phone has now become the biggest distraction in our lives. Unfortunately this distraction has proven to be in some instances deadly.
So who are the people at risk to be distracted and cause deadly accidents? It's the people who use their cell phones for anything and everything without any limits. Now I don't just want to pick on teens because I want you to know you are at risk too. But I will say if you have a teen who loves to text you better put limits on this habit and do it before they are old enough to get behind the wheel of a car. Teaching responsible and respectable use of a cell phone in all aspects of life from an early age is a must if we expect to have positive outcomes.
Now I'm not a cell phone hater. I'm like everyone else, I like my cell phone as much as the next person. But I do want people to wake up and realize that this distraction can be a life changer. The writing is on the wall, laws are in place, people have died. So ask yourself have you done the following while driving......such as searched the internet, emailed someone, looked at an email, talked to someone with a blue tooth or texted someone? If you answered yes and no serious accidents have occurred then be thankful that you made it this far. But let's stop here, right now! Let's make a commitment that we are going to change, that we are going to be an example to our friends, family and especially our children. Make the decision to start using your cell phone more responsibly in all aspects of your life. I guarantee, that you will earn a lot of new respect when you practice proper phone etiquette and you just may save a life.(check out http://www.wikihow.com/practice-cell-phone-etiquette )
So if you're with me let me know the new limits you plan to put on yourself as it relates to cell phone use. Also if you're already a believer in this way of thinking, please share with me your do's and don'ts of cell phone use. Let's make a connection here and make a difference. While you're at it if you don't have one, please go and get yourself a nice blue tooth. I wish you and your family all the best and let's all stay undistracted while driving.
Your Agent and Friend
P.S If you have a teen driver or know anyone who texts and drives please ask them to stop. Also watch this documentary and pass it around. Here is the link...http://www.itcanwait.com/ .
If your interested, please feel free to call Evans Insurance Services for an auto insurance quote at 610-889-9300 or fax us your policy at 1-888-418-5988 and include your contact information. As an Independent Agency we can do the shopping for you!
Hi my name is Steven Evans and I'am President of Evans Insurance Services Inc. Our office is located in Malvern, right here in Chester County Pennsylvania. We are located in a populated area and have noticed that most accidents my customers report are rear end collisions. The Insurance Institute of Highway safety reports that rear end accidents are the second most common collision (the most common being accidents caused while backing up). Additionally, secondary chain reaction collisions often occur, leading to further damage and injury.
In almost all cases rear end collisions are caused by following the car in front of you too closely. If you want to be a better driver, give yourself more space between you and the person in front of you. The Pennsylvania DMV recommends at least a 4 second following distance in normal driving conditions. A good rule of thumb is one car length per 10 mph. Keeping a safe following distance will give you vital seconds to avoid a collision. In certain conditions it is necessary to increase your following distance.
Some conditions include:
• Roads that are slippery or unpaved. Also, be careful when roads are covered with leaves as
this can be as slippery as ice.
• You are following a large vehicle whose rear view is blocked, such as a large truck or
motor-home. These drivers may slow or stop without knowing you are behind them.
• Towing or hauling large loads require more stopping distance.
• You are following vehicles that make unexpected stops, such as school buses.
Remember that no matter the case, if you rear end someone, it is automatically your fault. It doesn't matter if the person stops suddenly or is drunk, a rear end collision is an at fault accident and will most likely affect your auto insurance rates (Unless of course you have accident forgiveness). I feel that if drivers follow these simple rules, they will become better drivers.
Be safe and please don't text and drive!