The Dangers of Texting and Driving (2013 Edition)

You’ve heard it all before.  Texting and driving should not mix.  We’ve all been ridiculed and yelled at for checking our phones in the HOV lane, dashing passed a red light while flicking our phone and having full blown conversations via MMS.  Texting and driving is DEADLY.  This isn’t a filtered blog with soft-spoken words, it’s a PSA for those who drive while browsing and texting on their phones.  We’re providing some scary facts on WHY LOL can lead to RIP.  Please be safe out there, fans! We care about ‘ya!

·      In 2011, at least 23% of auto collisions involved cellphones.  That’s 1.3 million crashes.

·      Five seconds is the average amount of time your attention is taken away from the road.  So, if you’re traveling at 55 mph, this equals driving the length of a football field without looking at the road.

·      77% of young adults are very or somewhat confident that they can safely text while driving.

·      55% of young adults claim it’s easy to text while they drive.

·      Teens who text while driving spend 10% of their driving time outside of their lane

·      48% of young drivers have seen their parents drive while talking on a cell phone.

·      1 in 5 drivers of all ages confess to surfing the web while driving.

·      Texting while driving increases the risk of accident 23.2 times over unimpaired driving.

·      Texting while driving results in longer response times than even drunken driving. While an unimpaired driver can respond quickly to changes in traffic and begin braking within half a second, a legally drunk driver needs four additional feet to begin braking—and a driver who’s texting needs 70.

Drive safely!

“What in the World is “Hypermiling”?

The focal point of personal funding woes begins at the pump.  Our recent blogs have discussed what precautions you can take to avoid high gas prices In lieu of rising gas prices; a select few have decided to go the distance.  Literally.  Some individuals have been getting above 65 mpg. Is this a typo?  With LASIK eye surgery I can honestly say it’s not.  Hypermiling has become the newest craze and in today’s blog, we delve into what it is and how it’s done.  Oh, and as a precaution: DON’T TRY THIS AT HOME!

Hypermiling is an unorthodox technique for increasing your mpg.  These techniques include coasting for blocks with the car engine tuned off, driving at or below the speed limit, pumping up tire pressure far beyond recommendations and carefully manipulating the gas pedal to avoid fuel-burning excess.  Options also include keeping the air-condition turned off, and the window cracked slightly.  Hypermilers also carry a journal that records their daily commute, gas consumption and mileage.  All in an effort to avoid the ever increasing price of gas. 

Hypermiling has become a niche, with websites dedicated to the cause.  Driving Safety advocates forbid some of their habits, but applaud others.  Some Hypermiling habits are very dangerous.  “Turning the engine off while coasting can, in some cars, leave the driver without power steering or brakes and allow the possibility that the steering wheel will lock up. Drivers can endanger themselves and others if they go too slow for the pace of traffic.” The list goes on.   

However, some Hypermilers ARE safe.  They obey all traffic laws and mix city and highway driving in a combination of strategic and gas saving options.  Using a truck for a windbreak is dangerous, but safer Hypermilers stay the recommended distance while still maintaining a saving of mpg by putting safety before mileage. 

Drive Safely!

6 Things to tell your insurance agent that could lower your bill

 

Recently I moved from a major city in which public transportation was my most logical means to get around.  (Perhaps you can relate?) Since I was no longer privy to public transpo.  I decided to lease one of our fine vehicles. Now, I’ll admit, insurance was the one thing I hadn’t researched before my purchase.  So needless to say two months later I realized I was getting hosed.  Has this happened to you?  Well I quickly came up with a game plan that might help to save you some money.  Read on to learn more.

1.)  Since I hadn’t been in an auto accident in over 2 years I began my negotiation there.  The agent looked at my record and gave me a discount.  I’ve become aware that insurance agents are on a “Don’t ask, don’t tell” mentality.

2.)  I am definitely over 25, so I was under the impression that I shouldn’t be paying more than when I first started driving.  The agent told me that policies go up and down as we age.  I pressed a little and was able to persuade the agent that I should be rewarded for the fact that I have never had a car accident in the entire 31 years I’d been driving and that my maturity shouldn’t be a benefit.  Moral: A little sniveling and groveling can put a little extra money in your back pocket!

3.)  Since I was leasing the car; I was allotted 12K miles per year.  I was a perfect candidate for a lease since I only drove to work and back less than 10 miles each day.    I asked again if there were any special rates for someone driving with that mileage that low.  The agent took off another chunk of money.  Moral: Getting lower insurance rates could be fun!

4.)  He asked if I had airbags all over the car and an alarm system.  I replied well most cars are built with airbags aren’t’ they?  I’m sure that my sarcasm was far from welcome. However,  I did purchase LoJack, which eliminated that hit.  Pow! Take that Insurer!

5.)  Next I asked if I was being charged for my credit?  The insurance agent explained that I was being charged additional fees for not having insurance for the past 2 years.  When I explained to him that I didn’t own a car for two years I was told that didn’t matter.  (Apparently you should buy insurance for invisible cars or insure air?).  I pleaded my case and explained that I had good credit and felt that this was unacceptable treatment.  Cha Ch’ing! They lowered my rate once again.

6.)  Last but not least; a big pet peeve of mine is drinking and driving.  Since I have never and I mean NEVER, gotten busted for DUI I politely asked the rep if I could get rewarded for having never gotten one of these offenses.   After the harps stopped playing and I took off my halo, the agent came back with a new payment that was $185 cheaper per month! 

Last moral: Ask and Ye shall receive.  I could have saved myself $688 had I done my research first.  While we don’t endorse insurance companies I am hoping that this might help save you some serious cash.  It never hurts to try!

For more information on automotive issues contact us at 301-656-9200