5 Ways To Save On Auto Insurance

Are you tired of paying too much for auto insurance?  No one wants to pay more than they have to!  That’s why it’s important to know what savings and discounts are available.  Here are a few things to discuss with your agent at your next review.

Is Your Driving Record Accurate? 

Tickets, accidents, and claims will raise your rates!  That’s why it’s important to make sure your motor vehicle report is accurate.  Ask your agent if anything showed on your record and make sure that the information is correct.  

Take A Defensive Driving Class

 Have you taken a defensive driving course in the past?  Let us know.  You may qualify for a discount!  

Don’t forget about driver’s ed classes for your teenagers too.  Just get a copy of the completion certificate for your records.  Many of these discounts apply for several years and give substantial savings.  

Increase Your Deductibles

 The deductible is the amount you pay out of pocket after an accident (or for hail damage, etc.)

The higher that out-of-pocket amount, the lower your monthly premium!  

So if you are currently carrying $100 or $250 deductibles, consider raising them to $500 and keeping a little extra in your savings account.  You could save a lot each month while still being protected from any major damage.  We can give you prices for a range of deductibles to help you decide.

Find The Best Payment Options

 Depending on your individual policy, we may be able to offer various discounts for paying your policy premium in full or putting it on a monthly bank draft.

While $3-4 a month might not seem like much, over time it really adds up!  Ask us about payment options for your policy and see where you can save.

Keep Your Insurance In One Place

 And one of the largest, and most overlooked, savings opportunities is to have multiple polices with one company!  

If you carry homeowners or renters insurance with a different company, let us quote it!  Many times our clients will save several hundred dollars per year just by having their policies in one place.  It’s a no-brainer!  

And remember, getting these savings isn’t difficult.  In fact, with one short phone call we can review your policy, look for discount opportunities, and discover your coverage.  Give us a call today to get started!

P.S. Our open house is coming up on May 8th at 4:00 p.m. There will be BT's smokehouse, Rapscallion beer, Rob Adams, raffles, and other surprises! I hope to see you all there! 

New Law on the use of Headlights!

The Legislature has passed a new law that would require drivers to turn on their headlights whenever they turn on their windshield wipers. 

The new law, M.G.L. c. 85, § 15 takes effect on April 7, 2015. Below is the wording of the new section of the law:

A vehicle, whether stationary or in motion, on a public way, shall have attached to it headlights and taillights which shall be turned on by the vehicle operator and so displayed as to be visible from the front and rear during the period of 1/2 hour after sunset to 1/2 hour before sunrise; provided, however, that such headlights and taillights shall be turned on by the vehicle operator at all other times when, due to insufficient light or unfavorable atmospheric conditions, visibility is reduced such that persons or vehicles on the roadway are not clearly discernible at a distance of 500 feet or when the vehicle’s windshield wipers are needed; provided further, that this section shall not apply to a vehicle which is designed to be propelled by hand; and provided further, that a vehicle carrying hay or straw for the purpose of transporting persons on a hayride shall display only electrically operated lights which shall be 2 flashing amber lights  to the front and 2 flashing red lights to the rear, each of which shall be at least 6 inches in diameter and mounted 6 feet from the ground.

As a result, the list of surcharge-able incidents has been amended by adding two new requirements effective April 7, 2015.

1. Motorists are now required to turn on headlights and taillights whenever the windshield wipers are on.

2. Motorists are also required to turn on headlights and taillights when visibility is reduced so that persons or vehicles are not visible at 500 feet due to insufficient light or unfavorable atmospheric conditions.

The requirement to turn on headlights and taillights 1/2 hour after sunset and 1/2 hour before sunrise has not changed.

Safe Stopping Distance

Did you know that it takes 292 ft to stop your car if you’re driving 60 MPH on the perfect road surface? Throw in some messy weather and all bets are off. In order to be able to stop safely, you need to keep some things in mind: It takes about three-quarters of a second to react to a situation and step on the brake pedal. You should always make sure that your brakes are in good working order and that the thread on your tires are good. Other braking tips are:

• Warn pedestrians, bicyclists, or other drivers of possible trouble. Brake early and gently when preparing to stop or turn.

• Do not let your foot rest on the brake pedal while driving. (This is called riding your brakes.)

• If your vehicle has antilock brakes, never pump the brakes. (In 2010, 89% of new cars and 99% of new light trucks have antilock brakes.)

• Always slow down near a curve or an area where you cannot see clearly ahead.

Safe Distance Around Other Vehicles

Did you ever wonder what the safe distance is between your car and the one in front of you? Well, according to the Massachusetts Registry of Motor Vehicles, it’s the 2 second rule. 

The rule goes as follows: Pick an object in front of you, like a sign post or a tree. When the vehicle in front of you reaches that object, count out "one one-thousand, two one-thousand…..". If you reach the object before you count two, you are too close. Slow down until you’ve put enough distance between you and the other vehicle.

The two-second rule is a minimum safe distance for good road conditions and moderate traffic. Count three or four seconds for added safety and when traffic allows. Keep more space behind a motorcycle and heavy equipment (for example, dump trucks, tractors) than you would for another vehicle.  You never know when someone is going to stop abruptly, so it’s a good habit to make sure you’re not following another vehicle too closely.

Aggressive Drivers

We’ve all seen them.  They cut people off, run red lights, tailgate, weave through traffic, make rude gestures, and are dangerous to everyone around them.

What can you do when confronted by an Aggressive Driver?

• Attempt to get out of his/her way.
• Do not challenge that person.
• Avoid eye contact.
• Ignore rude gestures.
• Wear your safety belt. It will  protect you in a crash.
• If you simply cannot get away from the aggressor, attempt to drive to the closest police station

Even if someone else is being aggressive towards you, do not react to them so that you can get home safely in the end.

Air Bag Safety

Air bags and seat belts save lives every day and here are a few things you should know to make sure they work properly. Their purpose is to cushion occupants during a crash and provide protection to their bodies when they strike interior objects such as the steering wheel or a window. Modern vehicles may contain multiple airbag modules in various side and frontal locations of the passenger seating positions; the airbag is designed to only inflate in moderate to severe frontal crashes. 

Airbags are normally designed with the intention of supplementing the protection of an occupant who is correctly restrained with a seat belt. Be sure to use your shoulder and lap seat belt; air bags are not a substitute for seat belts. 

According to research conducted by Children’s Hospital of Philadelphia, children exposed to air bags during a crash are twice as likely to suffer a serious injury.  Children younger than 13 years are safest when placed in the back seat of a vehicle, according to the American Academy of Pediatrics (AAP). Other air bag safety rules to follow include:

• Never place an infant in a rear-facing child safety seat in the front seat with an air bag. In a crash, the air bag comes out of the dashboard with its force directed at the back of the infant's head if riding in the front passenger seat.
• The rear seat is the safest place in the car for children younger than 13 years. If you don’t have enough room in the back of your car to safely transport the number of children who need to travel safely, please visit a car seat check in your area where a trained expert will help evaluate your situation. You may need to arrange to use a safer vehicle with enough back seat positions to keep all the kids safe.
• All passengers ages 13 and older need to wear a lap and shoulder belt when riding in the front seat. Air bags are designed to work with the lap and shoulder belt to protect the occupant in the event of a crash.
• To keep your older child (age 13 and older) safe in the front seat:
• Move the front seat as far back as possible from the dashboard
• Teach your child not to lean forward to change the radio dial or to insert CDs
• Insist that your child sit upright against the seatback, with the seat belt snug at all times

Have You Paid Off Your Home or Auto?

If you’ve paid off your mortgage or car loan, did you know that you should inform your insurance agent? Most people don’t know to do that until they have a claim and have to deal with the insurance company and bank to rectify the situation. If you have a loss and the bank is still listed on your home or auto policy, the claim check has to be written out to you AND the bank which leads to more work for you at a time that you don’t need the extra hassle. Once you receive the documentation that you have paid off the bank loan, get a copy to your Insurance Agent so that they can have the bank or lender removed from your policy to avoid having to deal with this at the time of a claim.

Driving Defensively

You may be a skilled driver but at one point or another you may run into equipment failures, bad weather, inexperienced drivers, unpredictable pedestrians, and drivers who ignore traffic laws. Here are some tips from the Registry of Motor Vehicles that could save you and your family’s lives.

To prepare for unpredictable events, you should always drive defensively.

• Always have clear visibility in front and around your vehicle.  Clean your windows and remove all snow.

• Stay alert and prepared for the unexpected.

• Keep a safe distance around your vehicle.

• Drive at the right speed and know when to slow down and stop.

• Always wear your safety belt.

• Do not drive if you have been drinking, are on medication, or are very tired.

• Keep your vehicle in good working order.

• Obey the rules of the road and give the right-of-way when appropriate.

Always look ahead of and around you, and check your mirrors often. Be aware of road

conditions and possible hazards in front, to the sides, and behind you.

• Look at everything in front of you. Look for vehicles stopping and watch for people

getting in or out of parked vehicles. Pay close attention to pedestrians or bicyclists

sharing the road with you.

• Expect mistakes from other drivers.

• Watch for back-up lights of vehicles ahead of you.

• Pay close attention to crosswalks. Don’t rely on traffic signals. Other drivers, bicyclists,

and pedestrians may ignore traffic signals.

• Always pay close attention near playgrounds, schoolyards, and shopping centers.

Children, pedestrians, and bicyclists may be hidden from sight.

• A big part of driving defensively is giving the right-of-way to prevent unsafe traffic situations.