By the time teens can drive, most parents think they will be safe, especially with the protection of good car insurance for teens. However, it is one thing for a teenager to know how to safely drive around their own city. It is another thing altogether for them to safely navigate a brand-new city during one of the busiest times of the year: spring break. 

This is the annual holiday that brings teens to tourist destinations throughout the country while they try to relax from their academic studies. Unfortunately, there is nothing relaxing about getting into an accident, and spring break poses dangers that most teens and parents are not even aware of before it is too late. 

How can you teach your children proper spring break driving safety? What are some accident prevention tips, and what are some ways to keep your new driver auto insurance costs from skyrocketing? Keep reading to find out. 

Why Spring Break Travel Poses Extra Risks for Teen Drivers 

Why is spring break driving safety such a major concern for parents around the country? Traffic is a major concern, as teenagers must drive over much longer distances than they are accustomed to before they reach their destination. Plus, with so many schools celebrating spring break at once, both the journey and the destination will have heavy traffic that may intimidate inexperienced drivers. 

Experience is the keyword here, as most teens want to travel to beaches or other popular vacation destinations very soon after they first get their driver’s license. Unfortunately, they may not have yet mastered the skills that will keep them safe, especially if they get distracted (usually by another teen) while on the road. 

Busy Roads and Long Distance Driving 

When preparing teen drivers for the road, most parents focus on the basics, like safely getting to school and back. This means your children are driving just a few miles a day, and their school schedule means they will face minimal traffic. 

However, spring break dramatically increases teen driving risks because they will drive a very long distance (possibly 100 miles or more) on busy roads to reach an unfamiliar city with similarly busy roads. Ultimately, extra time behind the wheel in heavier traffic than they are accustomed to makes spring break dangerous (and sometimes even deadly) for teenagers. 

Inexperience and Distraction Risks 

Parents spend plenty of time preparing teen drivers to deal with common hazards like wet roads or local speed traps. But there is only so much anyone can prepare their kids for, and after that, youngsters will have to learn on their own. Unfortunately, the eagerness to join their friends during spring break has many inexperienced drivers navigating unfamiliar roads and dealing with problems they are not ready for, all while their parents are far from home. 

Additionally, it is an open secret that places like the beach are popular destinations for students because they want to hang out with fellow young people and make some new friends. However, this can lead to dangerous distractions, and it is far too easy for young drivers to get into a wreck while turning their head to stare at a pretty face or continue an energetic discussion. 

Insurance Protections Parents Should Review 

Sometimes, these teen driving risks culminate in an unfortunate car accident. When this happens, you need to know exactly what is and is not covered by your teen driver insurance so you are not stuck paying a major repair bill (for either your teen or someone they hit) out of pocket. 

One of the best family auto policy tips is to update your policy before your child drives away for spring break. Remember, you can make changes to your policy or even switch carriers (like switching to InsureOne family insurance) at any time. Below, you will learn more about your standard liability policy and some other options you may want to secure before your child heads off to spring break. 

Liability Limits for Teen Drivers 

Long before spring break, you need to familiarize yourself with your existing teen driver insurance and make adjustments as needed. For example, liability limits for teens should be increased before travel because the driver is far more likely to get into an accident. 

Remember, your policy will only pay out to the limits of your liability coverage; after that, all expenses must be paid out of pocket. Because of this, it is important to find the “sweet spot” with a liability limit that offers sufficient protection but does not transform your monthly premium into a major financial burden (especially given the high cost of insuring teenagers in the first place). 

Roadside Assistance Benefits 

Even if your teenager has mastered spring break driving safety, they may have to deal with an unexpected issue, such as their car breaking down when they are far from home. Because of this, you should strongly consider adding roadside assistance benefits to your existing policy. When teens need help, roadside assistance can help them with everything from getting jumped off to getting gasoline to getting towed. 

As a parent, you cannot always be with your children when they are on the road — fortunately, roadside can. 

Rental Car Coverage for Young Drivers 

Is your child taking a rental vehicle to spring break rather than their own car? If so, consider adding rental coverage. This adds further protections to the rented vehicle, helping you to avoid out-of-pocket costs in the event of an accident. 

Preparing Teens for a Safe Road Trip 

The family auto policy tips above can be a major help, especially if a teenager gets into a wreck when they are far from home. But as every parent knows, an ounce of prevention is worth a pound of cure. Therefore, it is important for you to review the most important accident prevention tips to keep your teen driver safe. 

For example, teenage drivers should know how to conduct a proper vehicle checklist before a long drive. They should also know which driving safety rules are most important and how to handle unexpected emergencies. Below, you will learn more about the tips that will keep your child safe during spring break and beyond. 

Vehicle Checklists for Long Drives 

At the bare minimum, teens should check the tires, fluids, wipers, and lights before heading to spring break. They should also test the brakes and battery while making sure their heating and cooling systems are functional. By doing this well before the break, teenagers can ensure they have enough time to get the issue fixed and join their friends for the road trip of a lifetime. 

Safe Driving Rules to Establish 

Make sure your teen memorizes a few simple driving rules: avoid texting, avoid speeding, minimize distractions, and always wear a seatbelt. As long as your child does this (and knows to never drink and drive), they will likely be safe during spring break. 

How To Handle Emergencies on the Road 

If an emergency happens on the road, teenagers should move the vehicle (if possible) to the side of the road, turn on hazard lights, and call for help if needed. If anybody was injured during an accident, they should call the police. Otherwise, they should call their parents and, if possible, roadside assistance to help get back on the road. 

Protect Your Teen This Spring, Review Your Family Auto Policy Today 

Now you know how to ensure your child is ready for spring break. This includes the most important travel safety tips and what to add to your teen driver insurance. However, do you know where to find a carrier who is just as committed to the safety of your family as you are? 

Here at InsureOne, we specialize in protecting families just like your own. When you are ready to get the protection your child needs, along with the white-glove service you deserve, come get a quote online. You can also pick up the phone and give us a quick call at 800-836-2240 to experience the best customer service in the business. Of course, if you want to experience the difference a local agent can make, feel free to come find an InsureOne office near you. 

FAQs 

Does Insurance Cost More If My Teen Drives Out of State? 

Your teen driver insurance may increase depending on a number of factors, including whether they are the primary driver, how far they travel, and whether they are attending a college that is far from home. Be sure to check with your carrier about how to reduce auto insurance costs for teen drivers. 

Should I Add Roadside Assistance for Teen Drivers? 

Roadside Assistance is a very important addition for teen drivers, especially ahead of a big trip. You can always adjust your policy after the fact; for example, you can remove roadside after the trip if you no longer feel it is beneficial. 

Are Teens Covered If They Rent a Car on Spring Break? 

Teens may or may not be covered depending on their status on your policy and the rules of both your carrier and the rental company. Be sure to check with both before your child begins their trip. 

What Liability Limits Do Families with Teen Drivers Need? 

Teens can be expensive to insure. Your new driver auto insurance policy should include $100,000 for bodily injury per person, $300,000 bodily injury per accident, and $100,000 for property damage. 

How Can Parents Reduce Teen Driver Premiums? 

You can reduce premiums by bundling policies, pursuing discounts (like good student discounts and good driving discounts), and switching to a carrier with more competitive rates, like InsureOne family insurance. 

While traveling during the holidays, everyone relies on automobile insurance to protect themselves financially. However, the ultimate holiday travel insurance tip is to avoid filing a claim altogether, which means knowing how to prevent accidents. Unfortunately, winter driving poses more dangers on the road than any other season. 

To stay safe, you just need to know more about winter driving insurance and holiday road safety. What policy changes do you need to make before traveling, and how can you better protect your family with every mile you drive? InsureOne Insurance walks you through the answers that will keep your loved ones safe. 

Why Holiday Travel Puts Extra Stress on Drivers and Vehicles 

It is always important to be cautious on the road. However, this is particularly important while traveling during the holidays. That is because a combination of poor weather, increased traffic, and increased fatigue makes traveling much riskier than it otherwise would be. 

For example, snow and ice can make the roads hazardous, which is why winter driving insurance is so important. And the sheer number of drivers putting in long hours on the road makes things even more dangerous. Below, you will discover more about these seasonal driving hazards and how to maximize your holiday road safety. 

Weather, Traffic, and Fatigue Risks 

The most obvious danger of holiday travel (and most certainly the cause of most emergency roadside assistance calls) is the weather. Snow may obscure windshields during crucial moments, while ice may cause vehicles to skid out of control. On top of this, many spend long hours driving in hopes of arriving in time for events like Thanksgiving and Christmas, which can lead to dangerous levels of fatigue. Fortunately, the right winter driving tips will help you avoid costly repairs. 

Common Holiday Travel Accidents 

Sadly, car crashes are common during the holidays due to the aforementioned factors, such as bad weather and sleepy drivers. Outside the vehicle, slip-and-fall incidents are also widespread during the holidays because ice and snow make surfaces (especially stairs) more slippery, and travelers are more likely to have an accident when walking in or around an unfamiliar area (like a relative’s house). 

Safety Tips to Keep Your Family Protected 

Good family car insurance can cover the damage if you get into a wreck while traveling. However, it is always better to avoid accidents in the first place. Fortunately, avoiding getting into a wreck is easier than you might think. 

Below, you will find a robust road trip safety guide that includes an auto coverage checklist and the essential equipment required to ensure family travel protection. With these holiday travel insurance tips, you can give yourself the most fantastic Christmas present of them all: not having to file a fresh claim. 

Pre-Trip Vehicle Inspection Checklist 

An auto coverage checklist helps you inspect your vehicle for any potential warning signs before you depart. For starters, check the tires (inflation and tread) and make sure your lights are in proper working order. Check the fluid levels and inspect hoses and belts for signs of wear and tear. 

Collectively, these tips will help you determine whether your car is ready to take on the cold winter months. After following these steps, your primary responsibility is ensuring you bring the ride emergency kit and other travel essentials. 

Emergency Kit and Travel Essentials 

A good automobile emergency kit should include a first aid kit, jumper cables, a flashlight, and a toolkit. You should also bring a spare tire in case you get a flat while driving. As for other travel essentials, consider packing a fire extinguisher, road flares, a cellphone charger, water, and blankets. 

Make Sure Your Insurance Matches Your Travel Plans 

One of the best holiday travel insurance tips is to make sure you have enough coverage before getting on the road. If you are worried that you do not have enough, you can always temporarily add additional types of family car insurance as needed. 

For example, you may want to temporarily increase the limits of different policies before you hit the road. Additionally, you may want to add emergency roadside assistance or rental reimbursement before you start traveling for the holidays. 

Checking Liability, Collision, and Comprehensive Limits 

No matter what type of car policy or travel insurance bundle you have, one thing is for sure: Your policy will never pay out more than your limit. Fortunately, you can temporarily increase your liability, collision, and/or comprehensive limits. This will give you additional family travel protection during the holidays, after which you can always change the limit back to what it was before. 

Adding Roadside Assistance or Rental Reimbursement 

Hopefully, this road trip safety guide and earlier auto coverage checklist will keep you from getting into any mishaps on the road. However, adding roadside assistance before your holiday trip means that if anything happens (for example, your car battery dies or you run out of fuel), help is only a phone call away. 

You can supplement this with a rental reimbursement policy that will cover the cost of a rental while your vehicle is being repaired. That way, you do not have to worry about a mishap on the road keeping you from getting to the holiday festivities on time. 

How InsureOne Supports Families Year-Round 

At Insure One, family coverage is available to suit the needs of every kind of traveler. And trained agents are waiting to help you make the most out of your trip by offering bespoke time- and money-saving solutions, such as a travel insurance bundle. 

Additionally, you get all the benefits of luxurious automobile insurance and all the convenience of having local agents standing ready to assist you. Such agents can help to customize a policy to your exact travel needs, ensuring maximum family travel protection this holiday season. 

Multi-Policy Savings for Families 

At InsureOne, the best agents in the country understand a simple truth: Great family coverage begins with bundling. So long as you require at least two different policies (for example, home insurance and car insurance), you can bundle them together through the same carrier. 

Expert Agents to Help You Adjust Seasonal Coverage 

Another great holiday insurance tip is that you can make changes to your policy whenever you want. However, many hesitate to do so because they worry about adding coverage they do not actually need, which wastes both time and money. Fortunately, InsureOne has the best customer service in the industry, and trained agents will advise you on the exact policy changes you need to have the safest possible holiday trip. 

Keep Your Family Covered This Holiday Season With InsureOne 

Now you know the most effective holiday travel insurance tips to keep your family safe. This includes what to pack in your emergency kit, how to change your coverage, how to inspect your vehicle, and more. But do you know where to find a carrier that offers the premium service you deserve? 

Here at InsureOne, we specialize in bespoke insurance solutions for busy travelers like you. When you are ready to give yourself and your loved ones the VIP protection they deserve, get a quote online. Additionally, you can also pick up the phone and give us a quick call at 800-836-2240. Finally, feel free to visit an InsureOne office near you to experience the difference world-class customer service makes firsthand. 

FAQs 

Does Auto Insurance Cover Out-of-State Travel? 

Yes, your existing auto coverage will protect against accidents even when you are out of state. It may even protect you during holiday travel to other countries such as Canada and Mexico, though you should verify this with your provider before undertaking any international travel. 

What Should Be in My Emergency Road Kit? 

At the bare minimum, your emergency road kit should include jumper cables (for jump-starting your car), a first aid kit (for mending injuries), a flashlight (in case you break down at night), a toolkit (for rendering minor repairs), and a spare tire and related tools (to help fix a flat). Additionally, consider packing blankets, phone chargers, water, a fire extinguisher, and flares. 

Can I Temporarily Increase My Coverage for Holiday Travel? 

Depending on your carrier, you may be able to temporarily increase liability limits and add additional forms of coverage, such as collision and comprehensive. Just be sure to clarify with your provider how easy it will be to revert to your old coverage after the holidays. 

Are Family Members Covered if They Drive My Car? 

Family members who only occasionally drive your vehicle may be covered under the permissive use clause of your policy. Those who live with you and regularly drive your vehicle must be explicitly listed on your policy. As always, you should consult your carrier to clarify any questions you may have about who is and is not covered. 

That happens to far too many drivers during the fall season. Even though they have good car insurance, some of these drivers find themselves unprepared for some of the seasonal driving hazards that await them on the open road. 

That does not mean, though, you should spend the entire season cooped up inside your home. Want to keep yourself and others safe throughout the season, all while enjoying lovely weather and even lovelier views? Keep reading to discover the definitive guide on fall driving hazards and how to avoid them. 

Fall Driving Hazards and How They Impact Road Safety 

One of the reasons so many drivers become the victim of fall driving hazards is that they do not realize how dangerous the season can really be. This is the time of year they mostly associate with back-to-school sales and changing leaves, so the last thing they expect to encounter is unexpected danger when they are behind the wheel. 

Sadly, that danger is ever-present and can be potentially lethal to those who do not understand things like leaf-covered road safety. And fall road safety tips are particularly important for newer drivers who do not know the effect that the seasonal weather will have on vehicle performance and handling. 

Understanding How Wet, Leaf-Covered Roads Increase the Risk of Accidents 

Driving in fall weather is especially dangerous because wet leaves may cover the road, and this reduces traction for your tires. Clusters of wet leaves can also make it hard to maneuver and greatly increase your chances of skidding, and those same leaves can greatly reduce the visibility of signs and other important traffic markings. All of this increases the risk of accidents, which is why you need to observe proper leaf-covered roads safety tips (like driving slower and being more cautious behind the wheel) all season long. 

The Effect of Fall Weather on Vehicle Performance and Handling 

Wet weather driving is always difficult, and it can create some unique fall driving hazards. In addition to the increased risk of skidding and poor maneuverability caused by leaves, fog and frost can obscure visibility, further increasing your risks. Additionally, the sun rises later and sets earlier, so you may need sunglasses during the day and may need to turn your lights on earlier at dusk to maximize visibility (both for yourself and others). 

How to Stay Safe on Wet Roads During Fall 

Driving in fall weather can be difficult for all of the above reasons and more. Fortunately, there are multiple ways you can keep safe no matter how rainy the weather. By learning these tips and teaching them to others, you can help protect yourself and everyone you care about. 

What are the most helpful tips for safe driving in rainy weather? While there are multiple precautions you can take during seasonal driving, your best bet is to reduce your speed and increase your following distance. Additionally, the best wet roads driving tip is learning how to avoid hydroplaning. 

Reducing Speed and Increasing Following Distance 

Chances are you are accustomed to driving at — or maybe a bit above — the speed limit. However, to avoid seasonal driving hazards, you should reduce your speed, which gives you more time to react to unexpected dangers. You should increase your following distance for the same reason: More reaction time means fewer accidents, so you will hopefully avoid having to use car insurance in the fall. 

How to Avoid Hydroplaning on Wet Roads 

Lowering your speed is one of the best wet roads driving tips because this also reduces your chances of hydroplaning. Making sure your tires are properly inflated can further reduce your risk. Should you end up hydroplaning (always a risk during wet weather driving), avoid braking. Instead, steer into your intended direction and release your foot from the gas pedal. This will keep you safe and ensure a safe commute to the airport or holiday party during the season, regardless of the weather. 

Checking Your Tires: Why Tread Depth Matters More in the Fall 

An often overlooked wet roads driving tip is to check and maintain your tire tread before you leave the house. Tires that are worn down are far more likely to hydroplane. Ideally, you should inspect (or have a professional inspect) your tires before the season begins to see if any of them need to be replaced. And those in cold-weather states should consider getting winter tires. 

Navigating Leaf-Covered Roads: Tips for Safe Driving 

Rain is arguably the primary fall driving hazard. But falling leaves greatly increase the risk of seasonal travel. And most drivers are unaware of the risk because they focus on the colorful leaves on the trees rather than the dead leaves on the road. 

Unfortunately, those fallen leaves make autumn driving safety more difficult when you are behind the wheel. But the tips below can reduce your seasonal danger and keep you safe this season, no matter the weather. 

Why Leaf-Covered Roads Are Slippery and Dangerous 

As mentioned before, leaf-covered roads are especially dangerous because the leaves reduce your maneuverability and increase the chances of your vehicle skidding. Those same wet leaves may also cling to road signs and traffic markers, reducing visibility and keeping you from seeing them until it is too late. 

How to Safely Drive on Roads Covered with Wet Leaves 

Fallen leaves make safe driving in rainy weather difficult, but not impossible. Some of the aforementioned tips will keep you safer when traveling over leaves, including reducing your speed and increasing your following distance. Additionally, you can stay even safer by removing any leaves from your car or windshield before leaving. 

Avoiding Hidden Hazards: Puddles, Potholes, and Debris 

The rainy weather of fall can turn everyday threats into especially dangerous seasonal driving hazards. For example, puddles, potholes, and debris may be covered by fallen leaves. And if there are any signs warning people about the threat, they may not be visible if they are covered by leaves. As usual, your best option is to drive defensively: Lower your speed, avoid clusters of leaves when possible, and be hyper-vigilant of potential threats. 

Fall Weather and Its Impact on Car Insurance 

With any luck, these fall road safety tips will keep you safe. But there is always a chance you will get into an accident and have to file a claim. Before that happens, it is important to understand how car insurance in fall is different from other seasons. 

First and foremost, the risk factors outlined above, including rainy weather, wet leaves, and an increased chance of car accidents, make it far more likely that you will have to file a claim than in summer or spring. Additionally, the increased presence of animals such as deer underscores the importance of comprehensive coverage. 

How Seasonal Weather Affects Your Auto Insurance Coverage 

Not everyone on the road will be abiding by the aforementioned fall road safety tips. Therefore, the primary way this season affects your existing coverage is that it increases your chances of getting into an accident and having to file a claim. If you only have liability, this would be the perfect time to add collision and comprehensive coverage. 

Ensuring You Have Comprehensive Coverage for Fall Hazards 

With automobile insurance, liability is designed to pay for any damage that you cause, and collision is designed to pay for your repairs when you are involved in an automobile accident. However, neither coverage pays out if you collide with an animal, which is a frequently asked car insurance question. 

To protect against this threat (remember, there are many more deer on the road in the fall), you will need to add comprehensive coverage. If you have liability, collision, and comprehensive, you will have what is known as full coverage. 

How InsureOne Can Help You Stay Safe and Covered During Fall 

Now you know some of the scariest fall driving hazards and how to avoid them. You also know some of the tips that can ensure autumn driving safety for you and your family. But do you know who is devoted to protecting all of you during this and every other season? 

At InsureOne, we specialize in protecting drivers just like yourself. When you are ready to give your family the protection it deserves in fall and beyond, come get a quote online. You can also pick up the phone and give us a quick call at 800-836-2240. Finally, you are always welcome to see us in person by finding an InsureOne office near you. 

FAQs about Fall Driving Hazards

What Should I Do If I Get into an Accident Caused by Fall Weather Conditions? 

Make sure that you and your passengers are safe, and turn on your hazard lights to alert other drivers to your vehicle’s condition. If another vehicle was involved, make sure the other driver is safe, and both of you should exchange insurance information. Finally, contact local law enforcement for further advice. 

How Does Fall’s Early Darkness Affect Driving Conditions? 

Early darkness in the fall reduces visibility on the road and may cause unwanted glare earlier in the day. Drive slowly and cautiously to reduce the chances of a collision with animals or other cars. 

Should I Use Cruise Control in Wet or Slick Conditions? 

You should avoid using cruise control in wet or slick conditions because this feature increases your chance of hydroplaning. Those chances are further increased by the wet leaves that may be on the ground. 

InsureOne has some tips to help you stay safe, make the flight, and have the Thanksgiving of your dreams. But just in case, it’s always best to be prepared. Make sure to have the best auto insurance with top-rated carriers before you embark on any trip in your vehicle, so you are protected come what may. 

Sound like a plan? Keep reading to discover some simple ways to make your holiday airport commute safer than ever! 

1. Remove Ice and Snow from Your Vehicle 

Part of what makes Thanksgiving driving so dangerous is that many people on the road will be driving erratically due to the snow and ice. And while you can’t make those erratic drivers into more reliable ones, you can make your own airport trip safer by removing any ice and snow from your vehicle before you start driving. 

It will take some extra time, but doing things like scraping off all the ice from your windshield can help to dramatically improve your visibility. You can’t always know what dangers the road will throw at you while you try to catch your flight, but you can at least make sure you are likely to see those dangers coming. 

2. Drive Slower Than Usual 

When you’re running late, you may be tempted to speed to the airport in order to arrive on time. However, one of the most important holiday travel tips is that you should actually drive slower than you normally do. 

Why is that? Everyone’s reaction times are slower when it’s snowing, and there are other road safety hazards to watch out for, such as hidden ice. By easing off the gas pedal on your way to the airport, you can avoid dangers like that and reduce the risk of crashing into other cars. 

3. Be Especially Careful When Driving Over Bridges 

While hidden ice is a potential danger to airport commuters, it is at least something you can see when you know what to look for. But there’s another icy danger that you need to worry about that can be downright invisible—icy bridges. 

Because bridges are elevated, they get colder quicker than the surrounding roads and stay cold for quite a bit longer. That means that even when no ice is present anywhere else, bridges may be frozen and could easily end your airport commute in a car accident. For maximum safety, go slow over these bridges and try to avoid hitting the brakes or even the accelerator if possible. 

4. Go Easy on Brakes and Accelerator 

Speaking of brakes and the accelerator, the last airport commute safety tip couldn’t be simpler. Whether or not you can see ice on the road, you should be very gentle when applying the brakes or using the accelerator. 

The reason for this is that the road is likely much more slippery than you suspect. Sudden acceleration and especially sudden braking may send your car spinning out of control and could even increase your chances of a tire blowout. But by taking it easy on the brakes and accelerator, you can arrive at the airport without any incidents or injuries. 

Make Your Airport Commute Even Safer Today with the Best Car Insurance 

All of these tips should help you arrive at the airport safely and get you home for Thanksgiving. But just in case something happens on the drive, it’s important to have the right automobile insurance. 

InsureOne is thankful for drivers just like you, and it’s prepared to offer you the safety and protection you deserve. If you’re ready, you can always get a quote online. Of course, you can also pick up the phone and give InsureOne a quick call at 800-836-2240. Finally, feel free to come into a nearby office at your earliest convenience! 

While you can’t stop an aging vehicle from losing its value, you can do your part to protect the value with an auto club maintenance plan. Such a plan offers annual protection as well as 24/7 roadside assistance while you drive. 

How can this plan protect the value? Keep reading to discover the answer! 

The Importance of Regular Lubrication 

When trying to protect the value of your auto, it’s a rookie mistake to only look at the outside. Very often, what lowers the value is what’s under the hood, especially when it comes to the engine. 

If you don’t change your oil often enough, it can cause your engine to overheat. This can cause other problems and significantly lower the value of the vehicle. 

With the maintenance plan, you get up to three oil changes per year. This keeps your engine lubricated and helps protect the overall value even as it protects your safety. 

Brake Pads and Value 

The condition of your brakes significantly affects the value. That’s because brakes can be very expensive (replacing a couple of calipers alone can easily run you a few hundred dollars). And neither individual buyers nor dealers want to pay much for a vehicle that will require expensive repairs. 

With the auto club plan, you can get your brake pads and shoes replaced each year as needed. Such regular replacements can keep the pads and shoes from wearing down and causing serious damage to the brake system itself. 

The average driver may not know there is anything going on with their brakes until they hear an awful squealing sound. With annual maintenance, you can prolong the life of your brakes and increase the value of your vehicle. 

Cooling System Protection 

Previously, we touched on the need to protect the parts you can’t easily see — which most definitely includes the cooling system. 

When you have a cooling system issue, you may see one or more mysterious warning lights. Such issues include problems with the thermostat, radiator, radiator hoses, or the water pump. 

As with the brakes, this is another part of the car where most drivers don’t know anything is wrong until it is nearly too late. Once you have your own plan, you’ll get annual cooling system upkeep as part of the service. This helps keep anything from going haywire, which helps to keep your auto cool as you drive and the value as high as possible. 

Help When Your Car Is Stuck 

Nothing decreases value quite like getting into an accident. But what if the real damage happened when you tried to make things better? 

For example, it’s not that uncommon to get stuck somewhere. This includes running off the road, getting stuck in ditches, or even partially submerged in water! 

When this happens, some drivers try to get the car out on their own. But without the right tools and training, these drivers may accidentally do more damage to the vehicle. With the roadside assistance of a plan, you can quickly retrieve your ride while still preserving its value. 

Emergency Fuel Delivery 

Ever run out of fuel? This still happens from time to time, especially when drivers are in unfamiliar areas. For instance, someone may not realize how long it will be before they see another gas station and they run out of fuel. Or someone puts too much faith in their estimate of how much farther they can travel and ends up running out of fuel too soon. 

When this happens, it puts you in danger. That’s because you have to find someone who can bring you fuel. This takes time, and the more time you and your automobile are in the middle of nowhere, the greater the risk of vandalism or other damage. 

While standard car insurance doesn’t cover this scenario, the plan provides for emergency fuel delivery whenever and wherever you need it. This gets you back on the road and preserves the value. 

Flat Tire? No Problem 

A flat tire threatens value in the same way that running out of gas does. If you get a flat or blow a tire and don’t have a spare tire and the right equipment on you, then you may be stuck in a strange area waiting for assistance. 

The longer you are out there, the more dangerous it can be for you and your vehicle. But with the maintenance club, you can get both towing and flat tire assistance as needed. You won’t be stuck waiting for long, and you don’t have to worry about endangering yourself or the value. 

A Solid History 

So far, we have mostly focused on specific scenarios where a maintenance plan can protect your car from losing value. However, there is a more general benefit you should know about: Having a solid history boosts the trade-in value. 

When you trade, to a dealership or a private person, the buyer is interested in the overall vehicle quality. The more proof you have that the vehicle is in good quality, the better the price you can get. 

With the plan, you will have extensive documentation of different kinds of maintenance. This ultimately helps you get the best possible price! 

Get the Best Auto Club Maintenance Plan Today! 

Now you know how an auto club maintenance plan can protect value. But do you know where to get a plan of your own? 

Here at InsureOne, we have the plans you’ve been looking for as well as competitive car insurance prices. We are always ready for you to get a quote online. Alternatively, you can pick up the phone and give us a quick call at 800-836-2240. Finally, feel free to come into one of our nearby offices at your earliest convenience! 

When you’re far from home, a breakdown is bad because it can be difficult to get your car repaired. However, a roadside assistance plan can help restore your car and get you back on the road. 

Not every driver necessarily needs roadside assistance, though. Have you been asking “Do I need roadside assistance?” Keep reading to discover which drivers benefit the most from roadside assistance! 

1. Those with Older Cars Need Roadside Assistance 

Wondering if you need roadside assistance? If your car is more than 10 years old, the answer is most likely yes. 

Modern cars are more reliable than the cars of the previous generation. Nonetheless, the older a car gets, the likelier it is to break down. Such a breakdown may happen without any warning. 

If that happens, roadside assistance can help. What does roadside assistance cover? Towing, battery failure, on-site labor, flat tires, fuel issues, and so much more. You never know what could happen to your older car, but roadside assistance can help make things right. 

2. Parents of Young Children Need Roadside Assistance 

Are you a parent to one or more young children? In that case, roadside assistance is a real must-have. 

Generally speaking, young children are not very patient. So when your car suddenly breaks down or you get locked out at the mall, they will likely become very stressed and scared. It can be nearly impossible for you to comfort your children while also fixing your car. 

The whole situation gets even scarier if your children need any specialized medicine or medical help when you break down away from home. With roadside assistance, you can rest assured you’ll be back on the road in no time. 

3. Older Drivers Need Roadside Assistance 

If you’re an elderly driver, it’s good to get roadside assistance. This is due to two primary reasons. 

First, you may not be able to fix the car on your own like when you were younger. In fact, trying to shimmy under your car might end up causing real harm to your body. 

Second, you may have medicine at home or in your hotel that you need to take at certain times. If your car breaks down for a long time and keeps you from that medicine, it can put your life in danger. If you have roadside assistance, you don’t have to worry about either fixing the car yourself or getting your medicine in time. 

4. Those Who Live in Remote Areas Need Roadside Assistance 

The core idea behind roadside assistance is simple: When you are far away from things like mechanics or gas stations, you can get the help you need when your car suddenly breaks down. 

Those who live in an urban area and don’t leave it very often may not need roadside assistance. After all, if you break down within the city limits, there may be multiple people who can help you out. 

That’s not the case if you live in a remote area. If your car breaks down in a remote area, it may be very difficult to find help. It might even be dangerous to get out of the car! A good roadside assistance service can provide all of the assistance you need. 

5. Drivers with a Long Commute Need Roadside Assistance 

The number of us who have long commutes grows every year. It can be hard to find an affordable place to live close to where you work, so it’s not uncommon to have a big drive waiting for you in the morning. 

If that drive takes 20 minutes or more, though, you should invest in roadside assistance (and considering that is less than the average commute, this refers to most commuters). The more frequently you drive a certain path, the more likely you are to break down on that path. This means you could be stuck far away from any real help (say, in the middle of a highway). 

With roadside assistance, you can get help no matter where you break down. Your boss will be happy to see you get to work after breaking down that much more quickly! 

6. Younger Drivers Need Roadside Assistance 

Earlier, we discussed how older drivers benefit from roadside assistance. Younger drivers could also use roadside assistance, but for different reasons. 

First, younger drivers may not know much about the car they are driving. It’s easy for them to overlook a warning light and end up breaking down on the side of the road. 

Second, young people are less likely to know the area they are driving in. That makes it easy to get lost and run out of fuel. Because young people may not know as many people nearby, they may not know who to call. 

Third, and finally, young people tend to travel more. Things like summer vacations, spring breaks, and even long weekends can send young drivers over very long distances. Should those cars break down far from home, though, the drivers can count on roadside assistance for support. 

7. Those Who Regularly Travel Long Distances Need Roadside Assistance 

Younger drivers may be likelier to drive long distances for fun. Others drive long distances on a regular basis for other reasons. This includes having to travel frequently for work or having to regularly visit relatives who are sick. 

No matter why they do it, those who regularly travel long distances really need roadside assistance. As we’ve said before, it’s easy to break down in an unfamiliar area where help is far away and you don’t even know who to ask. With roadside assistance, the professional help you need is only a phone call away. 

Get the Best Roadside Assistance Today! 

Now you know who needs roadside assistance. But if you need it, do you know where you can find the best assistance program? 

At InsureOne, we’re ready and willing to provide for your roadside assistance needs. We are always ready for you to get a roadside assistance quote online. Alternatively, you can pick up the phone and give us a quick call at 800-836-2240. Finally, feel free to come into one of our convenient nearby offices! 

1. Remain Physically and Mentally Active

As you grow older, perhaps the most important step you can take towards staying healthy is remaining active. It helps your flexibility and strength, making it easier to perform maneuvers like turning the steering wheel, looking over your shoulder when reversing or changing lanes, and doing other driving-related movements.

Walking is a fantastic way to remain physically active on a daily basis. Simple exercises like standing up from a sitting position, stretching, and lightweight training are also important for older drivers.

Just as important is to stay mentally active. Challenge yourself with new activities, skills, and hobbies. Goals like learning a new language can have a remarkable effect on the mental abilities of older drivers.

If you notice yourself feeling confused on the road or have other concerns about your abilities, see a doctor to assess your capabilities. The answer may be that it is best to stop driving. With public transportation, carpooling, ride-sharing programs, and other transportation options, this doesn’t mean giving up your independence!

2. Have Your Eyes and Ears Checked Regularly

Sight and sound are crucial for operating safely on the roadway. If you cannot see well, it could impair your ability to drive — especially at night. Likewise, hearing impairment can prevent you from hearing emergency vehicles, motorcycles, other cars’ horns, or approaching trains.

As any doctor can tell you, hearing and vision are also the senses that need correction with age. Certain common problems with sight include macular degeneration, glaucoma, and cataracts, while tinnitus and loss of high-frequency information tend to affect hearing.

To stay safe, schedule regular vision and hearing tests even if you don’t notice a problem. You may even catch a problem before it’s noticeable and be able to correct it. All of this will reduce the risk of becoming involved in an accident.

If your doctor recommends against certain driving activities, such as driving at night, make sure to listen.

3. Understand Your Medications

The side effects of certain drugs like medications for colds and pain can impair your motor and mental abilities. This includes medical marijuana. Make sure you know the side effects of each medication by reading the labels.

If you take any medicine that causes dizziness or drowsiness, you should not drive afterward. Ask your doctor or pharmacist if you have any questions.

4. Drive in Good Conditions (And in a Good Emotional State)

If you limit your driving to good weather, good traffic conditions, and daylight hours, you are cutting down on your risk of getting in an accident. If the weather or visibility outside isn’t good, delay your trip if you can. You may also be able to opt for public transportation.

Similarly, it would be best if you didn’t drive in certain conditions, such as being sleepy or angry. These can distract you and lead to poor decision-making. Instead, wait until you’re in a more positive place to drive.

5. Know Your Limits

One of the best precautions anyone can take when getting behind the wheel is knowing their limits. Acknowledge the realities of your body and work with them, not against them. For example, if you have arthritis and gripping the wheel is difficult, perhaps a cushioned steering wheel cover could help with the pain and give you more control.

Asking your doctor to refer you to an occupational therapist is a great start. Occupational therapists can help you find devices that make driving easier and more comfortable.

If you are buying a new car, shop around for ones that work with any limitations you might have. For instance, look for vehicles with larger, more visible dashboard dials. In addition, some cars have fewer blind spots, more adjustable seats, and other features that can make driving safer and more comfortable.

6. Consider a Driving Course

Driving courses can teach new skills and safety techniques that might not have occurred to you otherwise. There are plenty of older driver refresher courses available through local organizations or a community education program.

A driving course is a fun, informative way to ensure you’re up to date and trained on the latest driving techniques. You’ll also learn how to handle emergencies like a tire blowout.

7. Do Not Use Your Cell Phone on the Road

While you’re driving, your cell phone should be stowed away in the center console or somewhere else where it won’t distract you.

The National Safety Council confirms that cell phones are a frequent cause of distracted driving, which itself is a large cause of accidents. The best way to avoid the temptation to look at your phone is to have it out of sight.

If you need to use your phone for music or as a GPS, perform all necessary screen interactions before you start driving. You should also make phone calls ahead of time.

8. Be Extra Careful About Alcohol

Drinking and driving is always a bad idea, but alcohol requires even more caution as you get older. This is because your body’s ability to digest alcohol tends to change with age, making even a single drink a potential source of dangerous blood alcohol content. This effect is compounded with certain medications.

Pay attention to your body’s signals when you drink — if you feel unsafe to be on the road or notice yourself in an altered mental state, don’t drive.

9. Eat Before You Drive — Not During

Eating can be very distracting, so it’s best to avoid it while driving. Enjoy your food in a rest stop or before you set off on the road and finish your meal before you head back.

10. If Music/Podcasts/Radio Distract You, Turn Them Off

Limiting your distractions is of the utmost importance as a senior citizen driver. If talking with other passengers, listening to the radio, or turning on an audiobook impairs your focus on the road, avoid them.

11. Take Better Routes to Get There

Certain traffic features become harder to navigate as you get older, including:

• On ramps
• Roundabouts/traffic circles
• Left turns on busy roads
• Roads with large truck traffic

Avoid routes that contain these features, opting instead for easier-to-drive options.

12. Choose Less Busy Times of Day

Driving in heavy traffic can be stressful for any driver — senior citizens included. Try to travel during off-peak hours to avoid stop-and-go traffic, tight maneuvers, and aggressive drivers.

13. Get Evaluated for Driving Capabilities

It’s a responsible decision to get evaluated for certain faculties associated with good driving abilities. These include things like:

• Coordination
• Reflexes and reaction time
• Flexibility
• Range of motion
• Muscular strength
• Decision-making skills
• Judgment
• Ability to control a vehicle with special adaptive devices

14. Try Exciting New Driving Technologies

There are several new vehicle technologies that specifically help senior citizen drivers stay safe on the road. Try the following technologies to avoid accidents and reduce stress:

Automatic notification of accidents

These systems automatically detect a crash and will dial for help. The system usually requires airbags to go off to call emergency services, which keeps you from having to dial 911.

Collision Warnings

If you are in danger of having a forward collision, a collision warning system can warn you and apply the brakes for you. Alternatively, it may produce a flashing signal or alert you with a sound. These technologies reduce the risk of crashes significantly and will help account for potentially slower reaction times.

Self-Parking Cars

Using a system of sensors and radars, some higher-end cars will now park themselves automatically. This is a great help in tight parking lots and in situations when parallel parking is required.

Rear-View Cameras

Today, many cars come stock with rear-view cameras, which provide a wide view of what’s directly behind you. This is extremely helpful for parking and avoiding obstacles.

In-car navigation systems

Some cars also include proprietary GPS systems. This lets your car guide you on where to go using audible instructions. This helps drivers feel more confident behind the wheel, making them safer and more relaxed.

If you choose a car with such a system, make sure it’s easy to use and has good reviews — if it’s not a good system, it could wind up distracting you.

InsureOne Is Here to Help

If you’re an older driver, you need a trusted insurance provider on your side. InsureOne offers industry-leading policies for our senior citizen customers, giving you the protection you need to stay confident on the road. Read more on our website to learn about age brackets in auto insurance. We’ll also help you understand every part of your insurance policy.

Whether you need car insurance or homeowners, long-term care, RV/trailer, or other types of coverage, InsureOne is here to help. Get a free quote online, over the phone, or at one of our offices near you.

If you’re like most concerned parents, your first priority is keeping your teen driver safe. The next thought to rush through your mind is how much your auto insurance company will ding you for adding a teen to your policy. Truth be told – you could be in for an unpleasant surprise when your new rate statement comes in the mail.

Statistics gathered over the past several decades have proven how risky the first several years teenagers spend behind the wheel are. In fact, motor vehicle crashes are blamed as the leading cause of death among 15 – to 20 – year-olds. Furthermore, research shows that over 50 percent of teens killed in crashes were passengers, with the majority not wearing their seatbelt.

A high point in a teenager’s life, getting a driver’s license is also an opportunity to show a newly acquired sense of responsibility. Conversely, for many parents, it means sleepless nights and having to dig deeper into their wallet to pay for the adjusted higher premium.

Lack of driving experience and immaturity are both considered major factors in the high rate of crashes among teen drivers. In addition, teenagers lack the judgment that’s associated with experience behind the wheel that allows them to respond safely to hazardous situations that could prevent an accident.

Teens also tend to participate in risky behavior without regard to the consequences. At the top of the list are texting, talking on their cellphones, and talking to friends in the car, instead of concentrating on driving and often not wearing a seatbelt.

According to the Insurance Information Institute, parents can follow the tips below to keep their teens safer behind the wheel.

Choose a vehicle that’s easy to drive with a good safety rating to offer your teen added protection. Avoid handing them the keys to a high-performance vehicle, SUV, or truck as these may encourage speeding, recklessness and lead to everything from tickets to rollovers.

Enroll Your Teen in a Driver’s Education Course or Safe Driver Program

Two important things to note here: Not only will additional driving practice benefit your teen, but it can benefit you as well since auto insurance companies look favorably at those who have completed such a course.

Go Over the Dangers of Driving Under the Influence of Drugs and Alcohol

Sit down with your teenager and advise them of the dangers associated with the use of alcohol or drugs while driving. At the same time, encourage them to call you in the event of such a situation so they have a safe trip home.

Discuss the Hazards of Distracted and Impaired Driving

As with alcohol and drugs, your teen’s life is at risk when driving while distracted and impaired. Inform your teen of the hazards they face when using their cellphone, whether to call or text friends.

You’re Being Watched – Be a Good Role Model

Whether you know it or not, your teen is watching and learning from you. So avoid driving recklessly, speeding or drinking when they’re in the car. And, wear your seatbelt at all times.

Spend as much time behind the wheel as possible with your teen. The more practice they have, the more situations they can handle without overreacting.

You don’t need practice to find affordable auto insurance, but you can compare. So, why not get a free auto insurance quote today?