Familiarize Yourself with 3 Types of Distracted Driving

There are many distractions that can impair your driving ability. Although many vary in seriousness, there are three that are very common, and each can pose a significant hazard to your driving. Read on to learn what they are.

Visual Distractions

Visual distractions occur when you take your eyes off the road to focus on other things. This can include looking at your phone to answer a text, reaching into the backseat to grab something, or even observing a roadside accident.

Manual Distractions

Manual distractions occur when a driver removes one or both hands from the wheel. This happens when you do something like fix your hair or even change your radio dial.

Cognitive Distractions

It isn’t uncommon for your mind to wander while driving. Sometimes, you’ll find yourself thinking about whatever happened at work or fuming at another driver’s reckless driving. In either case, not paying attention to the road in this instance is a cognitive distraction.

Always be Cautious on the Road

It’s easy getting distracted while driving. Be cautious with what you’re doing at all times and never take your eyes away from the road or your hands off of the steering wheel. Be careful out there!

Does Your Insurance Policy Offer the Right Coverage?

Does Your Insurance Policy Offer the Right Coverage?

If your vehicle lacks insurance, then you’re setting yourself up for some potentially hefty fines if you’re pulled over. You might even have to deal with even bigger headaches if you end up in an accident. Luckily, there are plenty of coverage plans out there that will surely fit your needs. There are so many, in fact, that you may just feel overwhelmed! But don’t worry, Pronto Insurance is here to help you make the right call.

What to Consider

No two drivers are the same, which means there’s no one-size-fits-all insurance policy. Factors like the type of car you drive, how much you paid for it, and your driving history may contribute
to the coverage you get.

Fortunately, identifying these factors is easy, and after you’ve recognized them, you can begin mulling over the following insurance considerations:
 Liability – This is required by almost every state in the nation.
 Uninsured/underinsured motorist – If you end up in an accident with a driver that lacks
insurance or whose policy doesn’t cover damages or medical expenses, then this will
ensure that you aren’t fending for yourself.
 Personal injury protection – This can protect your family, friends, and other passengers.
 Collision and comprehensive – If your vehicle is declared a total loss, then this coverage
can help you.
 Rental reimbursement, roadside assistance, mechanical breakdown – Unfortunately, cars break down when you least expect it. If you have a flat tire, leaking radiator, or other breakdown, then this coverage makes sure you aren’t left stranded or with out-of-
pocket expenses.

Your Guide to Parking Lot Vehicle Safety

Your Guide to Parking Lot Vehicle Safety

Finding out your vehicle has been broken into or stolen can feel like a punch to the gut.Fortunately, there are some steps you can take to ensure that this doesn’t happen.

What You Drive Says a Lot

There are certain vehicles that thieves tend to target quite often. CBS News revealed the 10
most stolen vehicles in the U.S.:
 Cadillac Escalade
 Ford F-250
 Chevrolet Silverado 1500
 Ford F-450
 GMC Sierra 1500
 Chrysler 300
 Ford F-350
 Chevrolet Avalanche 1500
 GMC Yukon

Now, while it isn’t realistic to purchase a different vehicle to prevent a break-in or theft, it’s smart to take a few precautions.

Pick the Right Spot

Always make sure to park in a well-lit area at night. Additionally, you’ll want to park close to entrances or security cameras whenever possible.

Always Lock Up

In many cases, vehicles are stolen because the owner simply forgot to lock it. There’ve even been instances where keys were conveniently left inside! Do yourself a favor and avoid giving thieves an invitation by locking up.

Hide Your Valuables

This may go without saying, but thieves are often more inclined to break into a vehicle if valuables like electronics, purses, or other items are left in plain sight. Do the smart thing and hide them under your seats if possible.

4 Ways to Save Money on Gas During a Time for Saving

4 Ways to Save Money on Gas During a Time for Saving

They say money can’t buy happiness, but it can certainly keep your mind at ease! This is especially true in 2020 when so many people are trying their best to keep money in their pockets. While you may save by eating out less or limiting your shopping sprees, there are a few ways to save when it comes to gas.

Slow and Steady Saves You Big

Whether you’re a speed junkie or simply running late, putting the pedal to the metal is bad for your gas consumption. Simply put, by driving faster, you’re burning fuel at a higher rate. The best way to stop this is to watch your pace. It’ll help you save cash.

Don’t Neglect Your Tires

If we’re being honest, no one checks their tires as often as they should. However, it’s something you should make a habit. This is due to your tire pressure’s effect on your gas consumption. The less tire pressure you have, the more resistance your tires are producing, which, in turn, means more gas spent. To avoid this issue, simply check your tire pressure regularly.

Tune Ups Save You Money

How you treat your car will help it conserve gas. This means:
 Oil changes
 Air filter replacements
 Spark plug checks
 Other regular tune-ups

Plan Things Out

Let’s say you have to take your dog to the vet this week, you need some groceries, and the kids need some school supplies. Instead of spreading these errands out through the week, be smart and plan them all on one day. You can even allot some time in the trip to fill up at the station with the most reasonable prices. This approach will keep you from
driving around mindlessly and wasting gas.

If You’ve Been in an Accident, What Happens After?

If You’ve Been in an Accident, What Happens After?

Car accidents happen when we least expect them. It’s a sudden situation and one that can send you into a panicked frenzy. But what you decide to do after can be the most important factor in overcoming this unfortunate situation.

Get to Safety

After your accident, the first thing you should do is access your person. If you’re uninjured, move your vehicle to a safe area, but only if it’s safe to do so. If it’s impossible to move your car, turn on your hazard lights to warn other drivers. If you’re
injured, try your best not to move. If you’re alone, then do your best to contact 911.

Remain Calm

The suddenness of an accident can lead to panic or anxiety. However, it’s in your best interest to calm down as much as possible. Make sure to exit your vehicle carefully and begin the next steps in the process.
Check on Other Drivers In moments like these, it isn’t uncommon for tempers to flare up, but this is counterintuitive. Instead, after exiting your vehicle, walk over to the other car to make sure everyone is okay. If there are injuries, call 911.

Contact Law Enforcement

If there are no injuries at the scene, you should still contact law enforcement to assess the situation. Remember, if you’re to file an insurance claim, then a police report will be extremely beneficial.
Gather Important Information You’ll need a police report, the other driver’s information, and photos of the vehicles and scene. Make sure to get all vehicle makes and models, license plate numbers, location
details, and even contact information from any witnesses that may be willing to cooperate.

File Your Claim

Once you’ve followed these steps, it’s then time to file an insurance claim. Simply contact Pronto Insurance and let the pros take it from there!

5 Reasons why your steering wheel feels shaky

We always expect our vehicles to get us from points A to B in one piece, to make every last drop of fuel count, and to run smoothly at all times. This is probably why we get into such a panic when we feel something irregular like a steering wheel shaking. We immediately wonder if it’s really that bad, if it can be fixed, and if it’ll be expensive. If your steering wheel shakes when you drive, it could be due to one of the following reasons.

Tires

Tires that are out of balance will inevitably cause your steering wheel to shake and wobble. If your tires have different pressures or worn out treads, there’s a big chance they’re unbalanced. Keep in mind that the faster you drive on unbalanced tires, the more shaking you’ll feel.

Brakes

If you try to slow down with malfunctioning brakes, you may feel strong vibrations moving up the steering wheel. These malfunctions could potentially mean your brake pads are worn out or your rotors are malfunctioning. Whatever the case, it’s extremely important that you get them checked to avoid further problems.

Wheels

Your wheel bearings should last years but will eventually wear out or get damaged. If this occurs, you’ll experience some shakiness in your steering wheel. If your vehicle shakes while driving in a straight line, it could potentially mean your ball joints are faulty.

The Axle

Although somewhat uncommon, there’s a chance your axle could be bent or damaged, especially if you’ve been in a car accident recently. If your car abruptly jerks to either side, your driveshaft may be broken. If you spot these problems, stop driving immediately and get your car looked at.

Engine

Your engine could potentially cause vibrations if it’s malfunctioning. It’s important to note that, even if this is the cause, you’ll likely feel the shaking throughout the entire vehicle. If you suspect your engine may be failing, it could potentially be issues with fuel delivery or air induction.

3 Great Ways to Care for an Old Car After You’ve Purchased a New One

3 Great Ways to Care for an Old Car After You’ve Purchased a
New One

Has the time come to purchase a new car? Is the one you currently have already showing signs that it’ll come to a permanent halt soon? If so, then you’re probably scouring the market for a new one. How exciting! However, if you’re the type of person who just can’t part ways with your old one out of sentimentality, then you should know that there are a few ways you can take care of it.

Keep it Covered

This goes without saying, but it’s best to keep your older model vehicle covered with a tarp or soft-fabric cover and indoors in a garage if possible. The one thing you don’t want to do is keep it outdoors all the time uncovered since rust might result. Another thing to do is wash it often if you’re going to keep it outdoors. And also be sure
to prevent sunlight from always shining into the car since long-term exposure can cause damage to the upholstery and dashboard.

Check Up on It

Not many people may know this but the longer you go without driving a car, the faster it will run into problems. These problems can include poor performance, flat tires, etc. Be sure and run routine maintenance on the car at least once a month. Also, be sure to drive it around for about 15 to 20 minutes so that the battery doesn’t lose charge.

Keep it Clean

Going off of what we said earlier, if your car will remain outdoors, wash it periodically, even if you keep it covered with a tarp or sheet. Even if it’s covered, it can still collect dust and other particles that can harm the paint job. Even a simple rinsing can help if you’re not really in the mood to bring out the buckets and bottles of soap.

A Closer Look at 5 Not-So-Common Driving Myths

A Closer Look at 5 Not-So-Common Driving Myths

As a driver, you’ve probably heard a few myths. We’ve all heard the same ones, but there are some out there that are so rare that they can actually sound believable. Check out some
uncommon driving myths below.

Myth 1: Hands-Free Headsets Don’t Cause Distractions

Texting, calling, eating, and messing with the radio are some common distractions we’re all familiar with. You might be thinking that as long as your eyes are on the road, you’re free of distractions, right? Wrong! Seeing and hearing are two essential senses for safe driving, so if
you happen to limit your hearing with a hands-free headset, for example, you might not be able to hear cars honking around you, leaving you vulnerable to a wreck.

Myth 2: The Two and 10 O’clock Rule is Best

Every person learning to drive has heard that you need to keep your hands at the two and 10 o’clock positions on a steering wheel. However, this can lead to broken bones if an airbag is deployed. According to the National Highway Traffic Safety Administration, the three and 9
o’clock method is the safest to use.

Myth 3: 5 Miles Over the Speed Limit is Okay

Anything over the listed speed limit is considered speeding, even if you’re going one mile over! Sure, many police allow driving a few miles over the limit, but don’t always count on that. Luckily, you can avoid a speeding ticket all together by simply driving the limit.

Myth 4: Premium Gasoline is the Best

If you purchase premium gasoline every now and then, your car will run better, right? The truth is that all gas grades include cleaners for fuel injectors as per the Environmental Protection Agency. On the other hand, if your car was specifically designed for premium gas, then you
should definitely stick to it.

Myth 5: Red Cars Are More Likely to be Ticketed

This myth may have kept many individuals from purchasing red cars (for whatever reason), but the truth is that law enforcement is no more inclined to pull over a red car than any other colored vehicle. Simply put, if you commit an infraction, you’ll get pulled over. It doesn’t matter what your car’s color is.

Your Teen’s Path to a Driver’s License

Is your child ready to get behind the wheel? While this proud parenting moment is a great one, it’s important for your child to know the driver’s license process in your state. It may not be as simple as you think, but Pronto is here to help you and your child fully
understand!

A Learner’s License

The first thing your child will need is a learner’s license. They must be at least 15 years old and accompanied by a parent to a driver’s exam office. You’ll need to bring a copy of their birth certificate, U.S. passport, and/or any other applicable documents with their
social security number, name, and age.

A written driver’s knowledge test, a sign recognition test, and a vision test will be needed to earn a learner’s license. Remember, your teen must then enroll in a driver’s education course and can only drive with a passenger over 21 years old.

A Provisional License

When your teen turns 16, has had a learner license for at least six months, and has completed 30 hours of practice driving (including 10 hours of night driving), they may apply for a provisional license. This means successfully completing a behind-the-wheel driving test and a state-certified driver’s education course. After getting a provisional
license, your teen must abide by certain restrictions:

 Transporting no more than one person under the age of 21 who isn’t a family
member.
 Only driving between midnight and 5:00 AM with a driver’s licensed parent or
guardian for employment, educational purposes, or for an emergency.
 Not using electronic communications while driving.
 Ensuring that all passengers wear a seatbelt.
 Abiding by the state’s ZERO Tolerance Law.

A Full License

At 18, your teen will be eligible for an unrestricted license. Other than their learner’s license, all other licenses issued before the age of 18 will be marked as “provisional.” At this point, your teen will be allowed to drive like the rest of us.

Myths and Realities of Auto Insurance

Myths are common in the auto insurance industry because of the mystery surrounding the criteria for car insurance rates and the variety of coverage options available. In this post we’ll debunk some of the most common myths of auto insurance and lay out some of the important realities.

MYTHS

Red cars are more expensive to insure.

Insurance companies don’t ask for the color of your car when calculating quotes because it isn’t a necessary factor.

Cheaper or older cars cost less to insure.

It depends. If your cheaper or older car is, for example, an unusual model, it can cost more to insure than a pricier car. Simply put, car insurance rates depend on several factors.

Comprehensive coverage protects drivers in all situations.

Comprehensive coverage protects your car against damages outside of a collision. This can include a wide range of events like falling objects, fire, vandalism, theft and weather (floods, hail, etc.), but what it exactly covers is dependent on your car insurance policy.

REALITIES

An accident can make insurance rates go up.

Generally speaking, the severity of the accident and the cost of the claim will determine if there will be an increase in your rate. If you are in an accident where you’re found at fault, there can be an increase in your auto insurance rate at its renewal period based on the claim.

Personal information, vehicle information and driving history are used to determine auto insurance rates.

Insurance companies generally consider a variety of data including personal information such as age, sex, marital status and additional drivers on the policy, vehicle information (make, model, year), and driving history such as how often and how far an insured drives and their driving record. Many insurance companies also ask for credit score, but Active Insurance works with companies that don’t use credit history so insureds are eligible to receive the best rates, even if they don’t have the best credit score.

City dwellers pay more for auto insurance.

Where you live influences your auto insurance rate. People who live in cities generally pay more for car insurance than rural residents because there’s a higher risk for claims due to increased traffic, accidents and theft.

It’s important to know the myths and realities of auto insurance because auto insurance is mandatory for all drivers, and quotes are based on several factors. Contact Active Insurance for more information about car insurance quotes in Chicago. We provide a variety of options that fit the needs of Illinois drivers.

 

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