When speaking to our clients about their auto insurance, we are often asked what determines their premium and what opportunities they may have to help lower it without jeopardizing their coverages. In the interest of offering helpful information, we have one potential solution for you.
We’d like to share the benefits of taking a defensive driving course. Completion of a New York DMV-approved Point & Insurance Reduction Program will result in a 10% reduction of a driver’s liability, no fault and collision premiums. The discount extends over a three year period and applies to each vehicle for which you are considered the primary operator. In addition, it could result in up to a 4-point reduction on your driving record if you have previously received a traffic ticket. The course would also be a good opportunity for young drivers who have recently received their licenses and/or more experienced drivers to benefit from a refresher, all while lowering their rate at the same time.
There are two different ways to take the course. We offer this course online via our website to easily fit into your busy schedule. If you prefer the in-person engagement, there are also classroom-sessions available. You can click here for a full listing of New York state locations offering this type of option.
This is just one of the ways you can work on lowering your premium. Feel free to contact your agent for more suggestions and/or information about your auto policy. We would be happy to answer your questions and review your options!
If you have caught on to the latest craze, you have likely downloaded the new Pokémon Go app. The game takes players all over in hopes of catching the most virtual creatures they can. This “augmented reality” causes such Pokémon to digitally appear live in view on a user’s smartphone camera. The catch is that players are continuously drawn to different locations in order to, ironically enough, catch ‘em all and ultimately succeed in the game.
The game is uniquely interactive and increasingly popular. But if this concept is truly the future of gaming, there are plenty of safety concerns to consider. When walking around (be it late at night or earlier in the day), it’s important to remain alert at all times. Be aware of your surroundings. The game on the screen may appear real, but the unfortunate reality is that predators are on the lookout for those completely distracted and consumed by the game to take advantage of. The game’s GPS tracking access also opens the possibility of players getting lured to dangerous locations while on the hunt, if they aren’t careful enough. The sharing of information could also lead to potential breaches of cyber security.
The safety concerns continue when walking around. Players should be careful not to accidentally injure themselves or anyone else. And while the game’s quest to find that coveted Pikachu and more may require travel, it’s important not to play when driving from point A to point B. Much like texting and driving, accessing the app at the same time could lead to fatal disaster.
Of course, the game’s popularity can lead to benefits if played in an appropriate and safe manner as well. Local businesses have been cashing in with customer-friendly deals, upon realizing their locations are hot beds for popular Pokémon. Instead of turning players away, the smarter business owners have embraced the potential impact the game can have on their profit. They can even pay a small fee to specifically ensure their domain becomes a popular place in the game, luring potential customers in at the same time. Regardless of what gets them through the door, they are more likely to make a purchase once they have arrived. In most cases, this also provides players with a safer location to participate than a random dark alley-way late at night.
Either way, it’s important to have an idea of how this new game can positively and negatively impact you both personally and professionally. Be safe, be aware, and be prepared to benefit.
The severe winter weather is here, and we commuters sure know what that entails. We go through it every year, and it never seems to get any better. However, we all have what it takes to make winter driving safer for you and the drivers around you. We recommend that you not only prepare your car for the conditions, but also be aware of some safe winter driving tactics.
Below are some tips we recommend using before driving in hazardous weather.
Preparation before you get in your car:
- Make sure your vehicle’s fluid levels are right – either check the manual or see your mechanic
- Replace wipers if they are not fully cleaning off your windshield
- Check that your tires are in good shape and well inflated
- Keep your gas tank at least half full at all times- you don’t want your gas line to freeze.
- Be sure you have an emergency kit, along with jumper cables, a first aid kit, flares, flashlights, a shovel and some sand.
- Accelerate and decelerate slowly to gain traction and avoid skidding
- Do not make quick turns
- Give yourself an 8-10 second following distance behind vehicles so you have enough time and distance to stop
- Keep the heel of your foot on the floor and use the ball of your foot to apply firm pressure when braking
- Do not try to power up a hill, but do not stop going up a hill either
Even with these precautions, it is sometimes better to stay home during snow storms. Weather conditions can be unpredictable and so is the road, so keep yourself safe and wait it out before getting in your vehicle.
We here at Petschauer Insurance are concerned for everyone’s safety, so we urge you to please take these tips seriously. Prepare your vehicle and drive safe (or don’t drive at all)!