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10 Distractions To Avoid While Driving

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Like most drivers, you probably live out of your car as you shuttle between work, school and home. Your car is your dressing room, your nightlife on wheels, your restaurant, and at times your quiet space away from it all.  People in Austin find themselves in traffic for hours, so finding a distraction from the daily hour long drive to get home is easy.

But, unfortunately, as many drivers discover each year, driving is a task that requires your undivided attention, especially those young or inexperienced drivers. Fact is, drivers between the ages of 16 to 19 are four times more likely than older drivers to be involved in car accidents. The Insurance Institute for Highway Safety stats still list car crashes as the leading cause of death for teen drivers and attribute this to driver inexperience and immature behavior (i.e. tailgating, speeding, etc.). Throw multitasking in the mix and you're asking for trouble.

The following are driving distractions you may be familiar with and ways you can maintain focus when driving:

1.      Cell phone use: Regardless of whether you have a headset, save that phone conversation for later, preferably when you're stopped or, even better, out of the car. Turns out, conversing is a bigger distraction than messing with a phone or headset. But if you just have to take the call, tell the person on the other end that you're on the road and will call them back.

2.      Text and go: Texting is one of the best ways to communicate: instant gratification without disturbing others. But typing while you're driving? Horrible idea — you only have two hands, and they're better off on the steering wheel. Save this for when you can safely compose a note. If you can say it in a text, it can wait until you're parked.

3.      Playing Radio DJ: There's nothing like driving to your favorite songs. But that split-second you change a CD or switch to a different radio station is just enough time for an accident to occur. To prevent this, invest in a CD changer with your albums of choice at the ready. Program your favorite radio stations into the presets so you don't have to use the "Seek" or "Tune" buttons to scroll through them. If you have an iPod and your car is equipped with an auxiliary input, create a playlist of favorite tunes so you're not scrolling through the menus as you drive.

4.      Chatting with friends: Research has shown that young drivers with young passengers tend to have more accidents than those driving alone, Makes sense, since there's nothing like a friend to say something that gets you to take your eyes off the road. And while no one wants to be the car disciplinarian, when you're behind the wheel, it's OK to say, "hush up, I'm driving."

5.      Feeling the tunes: We’re all guilty of blasting tunes in the car to accompany singing and super-cool chair-dancing moves. Unfortunately, car karaoke can put you in danger since you can’t hear the horns of other motorists or emergency vehicle siren. Instead, save that earth-pounding bass for your home. Enjoy your in-car tunes at a reasonable level since you need to hear, as well as see while driving.

6.      Drive-thru take out: Sometimes you have limited time to enjoy a meal so it's another visit to the drive-thru. But instead of juggling your soda with your fries with your burger, wait until you're parked before you chow down. It's hard to give the road the attention it needs when you're focused on eating.

7.      Fidgeting with the knobs: It's only natural to tune-in your situation while on the road, but spend too much time messing with various car controls could be dangerous. If you want to turn down the thermostat, turn on cruise control or hit the re-circulating button while behind the wheel? Also, memorize your control center beforehand so that you can program functions without intently staring at the dash.

8.      Primping on the road: You may think you're saving time by putting on makeup or brushing your hair while you drive. But what you could be doing is setting yourself up for a costly lesson in distracted driving. All it takes is a split second while you look in the mirror for a wreck to happen. Simply wait until you get to your destination before you make those final, awe-inspiring appearance adjustments.

9.      Road rage: Sometimes a long drive seems to be the right thing to ease your nerves. Actually, it could be the worst thing to do when you're angry. Driving angry is like driving intoxicated. Your judgment is off, you're probably amped up and don't realize your speeding. To prevent an ugly situation, stay away from anything with wheels until are calmed down.

10.  Lost in the directions: Reading maps or printed directions with one hand on the wheel is risky business. Instead, map out your location and get an idea of where you're heading before you get in your car. Map sites like Google Maps and MapQuest make getting lost a thing of the past by giving you turn-by-turn directions to your destination. Or, buy a GPS device which gives you verbal commands, reducing your need to view a map or diagram.

Find the most affordable auto insurance in Austin, TX.  Contact your local agent, Texas Prime Insurance.  We provide auto insurance, home insurance, and commercial insurance.  We can be reached at 512-454-7799.



Posted On 1/20/2010 4:36:01 PM



Should You Keep Your Boat Insurance Afloat In The Off Season?

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Summer is over, and you’ve taken your boat out of the water. To save a few dollars, you cancel your boat insurance. After all, what could possibly happen to your baby while it's hibernating? A lot, according to Texas Prime Insurance.

 

“You'd be shocked at the number of claims filed in colder months," says Lucas of Texas Prime Insurance. "Nearly two out of every 10 boat claims filed in the Austin area happen between Labor Day and Memorial Day." 

 

Don’t take a gamble on nothing bad happening. Common off-season claims include:

Fire, theft, vandalism and flooding

Most claims are filed for one of these reasons, which can occur anytime of year. Without coverage, boats damaged by fire, theft, vandalism or flooding aren’t protected.

Injuries that occur on or around your boat

Some boaters don’t realize they could be responsible for injuries that occur on or around their boat — even if the injured person was there illegally. Without liability coverage, you could be responsible for the damages or the injured person’s medical bills.

 

Keeping your policy all year round might also save you a few bucks.

 

For example, Progressive's disappearing deductibles reduce your Comprehensive and Collision deductible 25 percent for every claim-free policy period. Four policy periods in a row without a claim equals a $0 deductible. Canceling your policy could mean paying more or the entire deductible, generally $500 or $1,000.

 

Check your policy and consult with your independent insurance agent before making any decisions.

 

To learn more, visit www.texasprimeinsurance.com.



Posted On 1/15/2010 3:11:44 PM



Insurance for ATVs

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When it comes to your all-terrain vehicle (ATV), it pays to keep your feet on the ground when it comes to insuring it. You may think it’s covered by your homeowners policy, but are you really protected? Your “toy” wasn’t cheap, and lacking the right type of insurance coverage could lead to a sticky financial situation.

“Owners should think of ATVs the same way they think of motorcycles,” said Lucas Ziegler, product manager, Texas Prime Insurance. “You’d never consider getting on a motorcycle without the proper insurance, and you shouldn’t ride an ATV without the right coverage either.”

If you’re not sure what to do about your ATV insurance needs, here are a few things to consider:

Your homeowners policy might not be enough. Most likely, your homeowners policy only covers your ATV if trouble occurs on your property. Anywhere else and you’ll be exposed. Look for an affordable ATV insurance policy that offers coverage no matter where you are. Trail riders should be aware that many states require ATV insurance for vehicles operated on state-owned land.

What about theft? ATVs are portable and can be easy targets for thieves. You should consider ATV insurance that provides cover-age for things such as theft, fire and vandalism—just like the kind you can get for a motorcycle. Theft, fire and vandalism are covered by Comprehensive coverage, an optional physical damage coverage.

    Consider uninsured and underinsured coverage. You never know what can happen in the great outdoors. This relatively inexpensive coverage protects you if another rider causes damage to you and he or she lacks adequate coverage.

Keep your rates low. You can do a number of things to save money on your ATV insurance, including maintaining a clean driving record, staying free of claims or choosing a less “sporty” ATV. In addition, most insurers offer a discount if you insure more than one vehicle on your policy, or have more than one policy with the company. This could mean additional savings on your car, motorcycle, boat or RV insurance.

For more information about ATV insurance or to get a quote, www.texasprimeinsurance.com.




Posted On 12/23/2009 12:47:40 PM



The Most Common Mistakes Made While Traveling In A

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Mistakes happen, especially when you’re somewhere unfamiliar, but the results of a recent survey may still surprise you.

 

The survey found that among RVers, a spouse is more likely to be accidentally left behind than the dog.

 

A leading RV insurer surveyed more than 1,000 RVers countrywide to uncover amusing mishaps they’ve experienced while traveling.

 

The survey found that the most common blunders made while traveling are:

•driving away with the steps extended;

•backing into something;

•misjudging overhead or side clearance space;

•not connecting taillights correctly; and

•running out of gas.

 

The survey found that 53 percent of RVers spend a month or more each year traveling the open road, and 42 percent travel more than 500 miles per trip.

 

Traveling the open road in an RV can be a great adventure, but sometimes it gets a little bumpy. That’s why RVers were also asked about their insurance. When mishaps happen, you want to get back on the road fast—ideally with all of your passengers on board.

 

Only 28 percent bought a stand-alone insurance policy with specialized RV coverages. In fact, 54 percent simply added their RV to their auto policy, and 14 percent didn’t buy any RV insurance.

 

Although mishaps can sometimes be funny, they can also lead to costly damages. Simply adding your RV to your auto policy can leave you woefully underprotected. It’s important to know what coverages are available to adequately protect yourself and your vehicle.

 

“There are huge differences in coverage and services from companies that specialize in RV insurance,” says Lucas, RV product manager at Texas Prime Insurance.

 

To learn more, visit www.keepaustininsured.com.



Posted On 12/16/2009 1:41:35 PM



Preparing Austin For Icy Roads

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Its winter time in Austin TX and that means bad weather and icy roads. Unpredictable weather can cause reduced visibility and hazardous driving conditions that make it challenging for even the most experienced drivers. Fortunately, there are ways to protect yourself, your passengers and your car.

 

The following tips can help you stay safe when faced with treacherous roads:

 

·        Assemble a winter emergency kit. At a minimum, it should contain a blanket, boots, shovel, nonperishable food and a flashlight.

 

·        Plan ahead for stopping and turning. “Feather” the brakes when approaching a stop, especially if the road is slick. If turning, accelerate very gently through the turn.

 

·        Don’t make any sudden moves. Keep it slow and steady to maintain control.

 

·        Be cautious when braking in icy conditions. Coast over ice. Brake after reaching bare pavement. And never slam on the brakes. Brake gently in a pulsing fashion.

 

·        Steer into a skid. Remember: Locked wheels lead. If your rear tires are in a skid and “locked,” the rear of your car will start sliding to lead the car down the road. If this happens, steer into the skid, not away, and remember, don’t brake during a skid.

 

If you follow these tips but still find yourself in a crash, just remember that what you do after an accident can make a big difference in keeping everyone safe and in helping you and your insurance company work through a claim.


 

Remember to follow these tips from the experts at Texas Prime Insurance if you get into an accident in Austin or while traveling:

 

·        Stay calm. Stay at the scene but move off the roadway. Warn oncoming traffic by activating your hazard warning lights and/or setting flares.

 

·        Call the police.

 

·        Contact your insurance company to file a claim. The earlier your insurance company knows about the accident, the earlier it can get to work to resolve it.

 

·        Do not admit fault. Only discuss the accident with the police and your claims representative.

 

·        Exchange information with the other driver(s). And remember to get contact information for any witnesses.

 

To learn more, go to www.keepaustininsured.com.




Posted On 12/2/2009 5:45:01 PM



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