Category Archives: Auto

Important Motorcycle Safety and Insurance Tips

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Whether you are driving or a passenger on a motorcycle, there is something very special about hitting the open road on a beautiful day and taking in the sights. You must have insurance to drive a motorcycle, but what type is required?

Property damage and bodily injury liability insurance is required and a minimum of $10,000 in medical insurance.

Without motorcycle insurance, you risk penalties such as,

Loss of License

Loss of Tag/Registration

Restitution for any damages you may cause in an accident

Three years of high risk SR22 mandatory liability insurance coverage

Not only are we talking high risk, but we are also talking higher amounts of money coming out of your pocket.

Your Medical expenses

Damage to your motorcycle

Loss of income due to injury

when all this could be avoided.

Let’s face it, you are taking a risk every time you get on a motorcycle. When an accident occurs, what is said from the other party’s involved in many causes is “I did not see them”, where did that motorcycle come from”? Rule of thumb. If you are driving a motorcycle, you need be on the lookout, don’t expect the other people on the road to look out for you.

In effect as of July 1, 2008 all first-time motorcycle license applicants must complete a Basic Riders Course to obtain their motorcycle endorsement.

Knowledge of your motorcycle, safety, and the rules of surviving on a motorcycle give you that much more of an edge. Bundle that with Insurance for protection in case anything happens and you can be riding with more comfort.

As much as people concentrate on the injuries, there is another form of insurance to consider when owning a motorcycle.

Theft Insurance

One of the biggest rackets out there is stealing motorcycles to strip them down and sell the parts.

Protect your investment and make you motorcycle less appealing to be stolen.

Lock it Up!

There are a large range of ways to lock up your ride.

Cable Locks

Pad Locks

Disk Locks

Ground Anchors and Wheel Clamps

Alarm System

Common Sense:

Just as when you were a kid with your bicycle, there are some of the same rules that apply with your motorcycle.

Always keep the ignition locked.

Lock up your ride with another motorcycle

Don’t take your eyes off your motorcycle, when traveling, riding around town, or at a friends house.

Always park your ride where you can see it.

Drive Safely and have fun!

Have Questions? Call us today to get your questions answered 1-863-453-3903

 

 

 

 

Photo Courtesy of khunaspix. at FreeDigitalPhotos.net

Tips for the Right Gear and Insurance for Motocross Dirt Bike Fun

When choosing Insurance for your off-road motorcycle, you are providing both you and the bike a safety net just as important as the gear you are wearing. Dirt Bike/Motocross are for off-road fun. These bikes are designed for riding on unpaved ground or rough terrain and are not street legal.

A Helmet– This expense is crucial whether you are on road or off-road with your motorcycle. This your most valuable asset. When choosing a helmet make sure you pick quality, its fits properly and is secure every time you ride.

A Neck Brace– Just as important as the helmet. Your getting bumped and jostled just riding over the terrain. We never want to think we are going to go down, but in the event that this happens, with a neck brace, you have protection from serious injury.

Chest / Back Protector– There are many of these available and use of one is highly recommended as a chest / back protector (also advertised as a “Roost Deflector”) can help dissipate the energy generated in a crash and help protect internal organs and other body parts from impact damage when you end up in a yard sale.

Knee Braces– Excellent piece of protection. Everyone who rides a dirt bike should have Knee Braces. Every time you get on that dirt bike you should be wearing these for the same protection you would give to your head and chest.

Boots
– Protect your ankle and foot area, get a pair of good quality boots in place of a standard boot to offer that need protection to your lower leg.

Goggles– Lets face it, your going to be in dirt and mud that slings from other riders when you are competing. Your clear vision can mean a race and your safety. Suggestion: Tear Off goggles that can provide you with the clear vision you need.

Staying Hydrated – is a must and just a critical as the gear you are wearing.

Always follow the safety rules when riding Motocross/Dirt Bikes and make sure you have the right insurance coverage.

 

 

Photo Courtesy of 3239028 at pixabay.com

Tips for What to do if You’re Driving Behind a Slow Driver

Driving a least one car length behind another vehicle per every 10 miles an hour is good advice and may prevent you from hitting the backend of the vehicle in front of you in case of a sudden stop. Not only is it safer, but courteous. Sometimes we just want to get where we are going and getting behind someone going slow is frustrating.

Here are some tips if your driving behind a slow driver.

Stay calm and stay behind them at a safe distance until you have an opportunity to turn off to a short cut you know or to pass them safely. Use your turn signal so they can see you are about to go around them. If at night, use your turn signal and then proceed with caution.

Here are some tips to avoid getting rear ended.

Make sure your brake lights are working correctly. Use your turn signals well in advance of lane changes and turning onto side streets.

Check your rear view mirrors to see what is going on behind you. If you have someone riding your back bumper, pull off the road or into another lane and let them pass.

Shopping for Auto Insurance?
Contact us today, we find insurance that meets every budget!

 

Memorial Day Weekend On The Roadways Navigating Covid-19 and Travel Tips

We honor those who have fought for our country and died in military service. This weekend many people will visit cemeteries with some volunteers placing flags on the graves of the brave soldiers.

Find out more about Memorial Day Here

Are you getting away this Memorial Day weekend? According to AAA auto club more than 37 million people will travel over this Memorial Day weekend and nearly 6 million less than last year during the Covid.

AAA has provided a Travel Restrictions map with the latest information to help you plan your trip Here and safety information for travelers who are not vaccinated Here.

Here are a few tips to help you along the way:

DRIVE SAFELY
Drivers should be well rested and alert, use their seat belts, observe speed limits and follow the rules of the road. If someone is planning on drinking alcohol, they should designate a driver who won’t be drinking.

• Drivers should give their full attention to the road.
• Avoid distractions such as cell phones.
• Leave ample room when behind other vehicles.
• Use caution in work zones.
• Make frequent stops when traveling long distances.
• Clean the vehicle’s lights and windows, especially at night.
• Turn the headlights on as dusk approaches, or during inclement weather.
• Use high beams on rural roads unless approaching or following a vehicle.
• Refill the vehicle’s gas tank before it gets too low. If there is trouble with the car, pull as far as possible off the road.

PREPARE FOR THE UNEXPECTED
Travelers should pay attention to the weather forecast for their destination.
Travel and weather web sites can help them avoid storms and other regional challenges that could impact their safety. To be ready for unexpected problems:
• Carry an Emergency Preparedness Kit in the trunk.
• Pack high protein snacks, water, first aid kit, flashlight, a small battery-operated radio, an emergency contact card with names and phone numbers, extra prescription medications and important documents or information that may be needed.
• Travelers should let someone know their destination, route, and expected arrival time. If you get stuck along the way, help can be sent along the predetermined route.
If your traveling with a pet, here are some tips to make their trip more enjoyable.

Have a safe and very enjoyable Memorial Day Weekend!


Photo Courtesy of jkmoller11 at Pixaby.com

Care Tips for Your Vehicle for Winter Snow Weather Driving

Temperatures are already starting to fall in the northern US and Canada and winter will be coming in the next couple of  months. If you are traveling over the country into colder states you will more than likely run into states that will have snow. If you have never experienced driving in snow you need to inform yourself of what you will need to do for  vehicle to stay safe and warm.

First and foremost read up and talk to other people that have experience with driving in snow, about black ice, skidding, snow banks and basically what to look out for.

Second to have a qualified mechanic look over your car for anything that may need to be replace, oil change etc.

Third are the checks you would do if you were living in a state that has snowy conditions.

Anti Freeze

This is an essential part of winter protection for your engine. Have a mechanic check to see if your radiator needs flushing and then add a mix of 50% water and 50% antifreeze.

Snow Tires

Tires should be checked before going on any road trip. The tread, pressure etc. In states without snow the same tires are used year round, so as your heading toward the colder states these tires will not preform as well. A swap along the way for snow tires would be a good safety measure.

Windshield Wipers

Make sure your windshield wipers are in excellent condition or replace them for new ones. There will be more then just rain falling from the sky and chances are mud, muck and salt from the roads will reak havoc on your windshield. You want to be sure wipers are in top shape to handle the job so you can see through a clean windshield. Also be sure that your washer fluid is full and working correctly.

Weather Conditions

Always stay tuned to the weather and keep track of hotels along the way of your trip in case you may need to pull in early because of a snow storm.

Other Tips to Consider for Safety

To avoid ice in the fuel lines or gas tank, keep it as near to full as possible.

Give someone your itinerary for your route and how long you will be on the road.

Always carry an safety kit, extra blankets, clothes etc.

If traveling with a cell phone, you may want to check with your service for black out area’s and be sure to have a car charger for the phone that you can plug into a wall or your vehicle.

 

 

 

Photo Courtesy of pasja1000 at Pixabay.com