Summer Driving Safety Tips

Is there anything better than a summer road trip? Asset Planning Insurance Agency, LLC of Johnstown, PA wants to make sure your summer outings are remembered for all the right reasons. That’s why we’ve put together this list of tips to keep you safe on the road all summer long!

Make sure your vehicle is well-maintained. 

Regular tune-ups are always a fantastic idea, but consider a check-up before any lengthy trips. This will make sure your car is in excellent condition for dealing with driving in the summer heat. Pay special attention to your tire condition (don’t forget the spare!), lights, coolant, and oil. A little extra time spent on prevention will save a lot of headaches down the line.

Take an emergency roadside kit. 

Even the most vigilantly maintained car can still breakdown. Carrying an emergency kit with you can ensure you won’t be stranded in dangerous areas. A typical kit should include:

  • A cell phone with a charger to call for help.
  • A first aid kit
  • Flashlight
  • Flares
  • Vehicle aides such as jumper cables, tire pressure gauge and a jack for changing tires
  • Nonperishable food and drinking water 

Protect yourself and the people you care about. 

The most important way to do this is to make sure everyone wears a seat belt. Children under 13 should ideally ride in the backseat. Some states legally require children of a certain age or weight to be placed in a booster seat. Never leave children unattended and always lock your vehicle so kids cannot accidentally enter and become trapped inside.

Make sure your insurance is up-to-date. 

Sure, it might seem obvious coming from us, but insurance is added protection in an unpredictable world. If you have questions about car insurance, reach out to Asset Planning Insurance Agency, LLC at our Johnstown, PA office, or use our quote tool today. 

3 ways to Maintain Your Car’s Value

Your car is one of the most valuable items you will ever purchase. For it to maintain its value, you need to take proper care of it. The agents from Asset Planning Insurance Agency, LLC, serve residents who live in Johnstown, PA, and can help you find the auto insurance policies you need. 

Stick to a Regular Maintenance Schedule

One of the most important and useful ways to help your car hold its value is to stick to a regular maintenance schedule. Changing your oil every 3,000 miles is essential. When you get your oil changed, you should also check your air and fuel filters, as well. 

Park in a Garage if Possible

Protect your vehicle and help it hold its value by parking it in a garage or under a carport. Protecting your car from the elements will help to prevent the paint from fading and keep it looking it’s very best. Putting your vehicle in a garage every night also keeps it safe from vandals.

Drive in a Safe Manner

Driving safely reduces wear and tear on your car. It also dramatically reduces your risk of being involved in an accident. Driving at an appropriate speed can also improve your gas mileage. Avoid rough terrain, and don’t slam on your brakes if you can prevent it.

In Johnstown, PA, the agents of Asset Planning Insurance Agency, LLC can provide you with a variety of tips to assist you in caring for your vehicle. The better you care for your car, the longer it will hold its value and provide you with many miles of service.


Flat Tires and Auto Insurance: How Your Rates Get Affected

When you’re driving in Johnstown, PA, the last thing you want to experience is a flat tire. Unfortunately, this situation can happen, and it is very frustrating. Does it affect your coverage and will your insurance pay for repairs? Let us at Asset Planning Insurance Agency LLC explain this situation to you.

Your Policy is Unlikely to Be Affected 

Flat tires rarely affect your insurance policy for several reasons. First of all, most plans will cover only a handful of flat-tire circumstances. As a result, damage caused to your tires won’t affect your policy because they won’t have to cover it. However, frequent flat tires and regular tows may affect your insurance because they show you are an unsafe driver.

Flat Tires May Not Be Covered 

Your insurance won’t cover flat tires caused by general wear and tear. For example, if you put an inappropriate amount of air in the tires and created a blowout, your insurance company is likely to deny a claim. This fact will vary depending on your company and your policy, though. Flat tires caused by road damage typically won’t be covered either. Damage to your vehicle caused by flats, though, is included. 

A Policy May Cover Slashed Tires 

If your flat tire is due to somebody damaging it, your comprehensive coverage plan will replace your tires. These plans will compensate for vandalism and get you a replacement tire that suits your needs. Remember, though, that you need to pay your deductible before coverage goes into play. As a result, you’ll likely rarely use this policy if you only get one tire slashed. 

Get Help to Find a Great Policy 

If you live in Johnstown, PA and are worried about flat tires on your vehicle, don’t hesitate to contact us at Asset Planning Insurance Agency LLC to learn more. Our experts will find you a policy that protects you and will make sure that you don’t pay too much money at the same time. 

When Should I Update My Auto Insurance?

Your auto insurance policy protects your car from covered risks including liability claims and collision. A professional insurance agent can help you get reliable policies depending on the type of car you drive and the risks involved. If you live in Johnstown, PA, contact Asset Planning Insurance Agency, LLC to find the most appropriate auto insurance policy.

Updating Your Auto Insurance

When You Make Big Life Changes

Your life changes may cause overlaps or gaps in your auto insurance. If, for example, you get a new job, you will most likely change your commute. Your new commute could include higher or lower risks which your insurer must consider. If you are moving to another place, your new area of residence may introduce new risks or remove old ones. Either way, you will need to update your auto insurance.

When You Buy A New Car

Your new car can have a big impact on your premium rates. If you purchase a car with security and safety features or good crash test ratings, you will get discounts on your new auto insurance. Be sure to inform your insurer ahead of time. If you do not want to pay high premium rates, contact your insurance agent before buying a car and get their suggestions.

When The Value of Your Car Depreciates

If you got your existing car insurance when your car was brand new, then you are paying premium rates for the value of your car at that time. That value depreciates with time. Update your auto insurance coverage to get premium rates of the current value of your car. That way, you can save some money.

Contact Asset Planning Insurance Agency, LLC in Johnstown, PA to discuss an auto insurance policy for your car.

Avoid Deadly Distractions Behind the Wheel

Distractd driving

Many people have a limited definition of “distracted driving”: They think it only means texting behind the wheel.

There’s good reason for that, because texting requires visual, manual and cognitive attention – the same attention required for safe driving. But although texting is perhaps the most dangerous distraction, there are many others that can impact how you drive, whether you realize it or not. And they can be just as deadly.

How deadly? According to the National Highway Traffic Safety Administration and U.S. Department of Transportation, in 2014 more than 400,000 people were injured in crashes caused by distracted drivers – with more than 3,000 killed.

Here are just a few of the things that can distract drivers on the road:

  • Talking on the phone, even with a hands-free device.
  • Eating or drinking.
  • Talking to passengers.
  • Grooming (yes, there really are people who apply makeup or shave on their way to work).
  • Reading, including maps.
  • Adjusting the stereo.

Younger drivers are the most distracted of all – according to the government’s website, people in their 20s make up 38% of drivers who were using cell phones before a fatal crash, and 10% of teen drivers involved in fatal crashes were distracted, too.

With distractions more prevalent than ever – more than 150 billion text messages are sent in the U.S. every month, for example – how can you, and those you love, be safer behind the wheel? Here are a few tips:

  • Don’t use the phone: This includes texting as well as talking, unless it’s an emergency. Even hands-free conversations can take your attention off the road.
  • Eat before you leave, or after you get there: Scarfing down that burger with one hand on the wheel means your focus is divided – and you probably don’t have as much control over your car as you should. Bonus benefit: Keeping your meals and your driving separate means you’re much less likely to get ketchup on your pants.
  • Know where you’re going: Nobody likes to be lost. But messing around with your car’s GPS (or the maps app on your smartphone) while you’re moving can lead to something you’ll hate even more – an accident.
  • Talk to your family about safe driving: Having a conversation with your spouse as they’re driving home? That’s a perfect opportunity to say, “I’ll let you focus on the road; we can talk when you get here.” And if you have young drivers in the household, be sure to have a conversation about their phones and other potential issues, such as their passengers – a key distraction for teens.
  • Watch for other distracted drivers: Just because you aren’t distracted doesn’t mean that other drivers are focused on safe driving. Stay in control and be vigilant – you’ll be ready to react when someone else makes the wrong move.

Distracted driving isn’t just “one of those things” that happens, like a tire blowout or mechanical failure that isn’t anyone’s fault. It’s 100% preventable – and by committing to avoiding distractions while you drive, you’ll help make the road safer for everyone.

Reposted with permission from the original author, Safeco Insurance®.

Top image by Flickr user Government of Alberta used under Public domain. Image cropped and modified from original