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If there are ghouls, witches, and skeletons outside your window, it must be that time of year –Halloween is here! As one of the year’s most popular holidays approaches, you can expect the streets to come alive with excited trick-or-treaters searching for fun and delicious candy. This means you must act accordingly by prioritizing safety, especially if driving on Halloween night. Not sure where to start? Pronto Insurance has you covered.

Slow Down and Be Extra Cautious
Foot traffic increases greatly on Halloween night as residential neighborhoods become flooded with anticipating trick-or-treaters looking for the best sports. It’s your responsibility to drive well below the speed limit in these areas. It would be best to remain vigilant for children who can dart out into the street when you least expect them.

Avoid Distractions
Distractions while behind the wheel are always a risk. However, it’s hazardous when there are so many young pedestrians around. To prevent accidents, put your smartphone away, avoid adjusting your radio, and keep any conversations happening to a minimum.

Use Your Headlights
Some costumes are bright and full of light, while others lean into the dark spookiness of the season. To keep your eyes on all types of costumes during Halloween night, turn your headlights on, even if it’s unclear. Doing so will make your vehicle more noticeable to pedestrians enjoying the night.

Use Your Turn Signals
Turning without signaling during Halloween can cause unsuspecting pedestrians to come in harm’s way. That’s why using your turn signals well in advance during the holiday is especially important.

Plan Your Route Carefully
Plan your route accordingly if you know you’ll be behind the wheel on Halloween night. If possible, avoid any areas bogged down by car and foot traffic. If congested areas cannot be avoided, prepare to drive as safely as possible.

This summer brought fun, relaxation, and record highs that we can now begin to wave goodbye. As the fall season comes our way and the weather cools down, it’s essential to give your vehicle the attention it deserves to stay in top shape and navigate the changing conditions safely. Learn more about the importance of fall car maintenance and the steps you can take to keep your car running smoothly. 

Why It Matters

The wet conditions and colder temperatures of the fall season present a new set of challenges for drivers nationwide. You’ll enhance your vehicle’s performance and safety while out on the road by giving it proper maintenance. 

Your Fall Maintenance Checklist

If you’re ready to take on the cooler months with a safe and maintained vehicle, follow these steps:

• Check Your Tires: A drop in temperature means your tire pressure can decrease along with your tire traction and fuel efficiency. To avoid any issues, keep your tires properly inflated at all times. 
• Check Your Brakes: This may go without saying, but your brakes are essential for life on the road. Inspect them and ensure they’re ready for the upcoming wet weather conditions. 
• Test Your Lights: Not everyone likes it, but fall usually means shorter daylight hours – make sure your lights are up to the task. 
• Replace Your Wipers: As the rains and falling leaves increase, you’ll want wipers that are in optimal shape. If yours are showing cracks or inefficiency, switch them out immediately. 
• Check Your Battery: The colder temperatures can strain Your vehicle’s battery. We recommend testing it to ensure it’s strong enough to start your engine when the temperatures drop. 

We Have Your Back

Doesn’t it feel great to know someone always looks after you wherever you may be? That’s what Pronto Insurance constantly strives to achieve. If you’re ready to protect your vehicle with a comprehensive insurance package, don’t hesitate to contact us. Our insurance agents are prepared to listen to your story and provide the coverage options that best fit your needs. 

Soon, the blistering summer months will close and give way to cooler, far more pleasant weather. While we can all appreciate the temperature drop, this change highlights the importance of adjusting your driving habits to the changing conditions. You must stay vigilant as autumn begins, from wet roads to slippery surfaces due to fallen leaves. Not sure what to keep an eye out for? No problem! Learn more about the safe ways to navigate fall weather hazards.

Rainy Roads

While not always the case, fall tends to bring more rain into the forecast – that’s slippery and hazardous road conditions. To ensure safe driving in wetter months:

• Slow down to allow increased stopping distances
• Keep a safe space for better reaction time in case of sudden hazards
• Use your headlights in light rain to enhance visibility for you and the drivers around you
• Ensure your tires are in good shape and inflated appropriately

Fallen Leaves

Believe it or not, despite their picturesque appearance, fallen leaves can lead to hazardous road conditions. Besides being slippery, they can often obscure road markings and lead to severe accidents. We suggest you:

• Steer clear of large piles of leaves, as they can often hide potholes and other hazards
• Reduce your speed and avoid sudden movements 
• Brake early and gradually to avoid skidding

There When You Need It

Navigating fall weather requires adapting your driving habits. But maybe there’s a chance you also want to adjust your existing insurance coverage. If that’s the case, the insurance agents at Pronto Insurance can help. We want to ensure you feel protected and cared for during rain or shine. We’re ready to listen to your needs and provide you with the insurance coverage options that address your necessities – nothing more, nothing less. Contact Pronto Insurance today to learn more about our car insurance rates.

Soon, students will begin their after-school programs, and all those new, young drivers will explore the roads at different times. If your child is new to driving, safe driving habits are essential. This includes being prepared for unexpected road situations. Let’s explore the importance of a student driver emergency kit and what it takes to make one of your own. 

Your Checklist

Unfortunately, road emergencies can happen when you least expect them and being prepared can make all the difference. Fully equipped emergency kits can help drivers of any age remain calm and safe during unexpected breakdowns, accidents, or adverse weather conditions. A well-equipped kit should include:

• First aid supplies include bandages, antiseptic wipes, adhesive tape, pain medication, and other necessary personal medications.
• A list of emergency contacts that includes family members, friends, your insurance details, and even the contact information of your local police department. 
• Basic tools include multi-tools, flashlights, jumper cables, and a tire pressure gauge. 
• Non-perishable snacks and bottled water to sustain passengers during delays.
• A reflective vest and cones make anyone getting down and the vehicle much more visible. 
• A flashlight and portable charger to keep all necessary electronics charged and ready to go.

Our Role In Emergencies

At Pronto Insurance, we know our clients trust that we’ll be there to help when unexpected emergencies arise. Much like a fully equipped emergency kit, we understand our coverage options can be as crucial in difficult situations.

• We offer roadside assistance services that ensure you’re not stranded if your vehicle breaks down.
• Our towing coverage can help you get your car where it needs to be.
• If your vehicle is expected to be out of commission for some time, our rental car coverage can help keep you on the move while repairs are made. 

Let’s Get You Covered

Your young drivers deserve dedicated support as they become accustomed to the road, and we’re here to provide it. If you’re ready to learn more about our services or are prepared for an insurance quote, don’t hesitate to contact the Pronto Insurance agents.

They say variety is the spice of life, and there is no better way to show off your individuality than with your car. Vehicle modifications can give your vehicle that personal touch it needs and even enhance its performance. But do these changes have any effect on your insurance costs? Discover how vehicle modifications can influence insurance rates and the factors to consider before making changes. 

How Your Insurance Rates Work

It’s important to understand that vehicle modifications can encompass many changes. These range from simple cosmetic improvements, like new paint or wheels, to performance upgrades that enhance your engine, suspension, or other of your vehicle’s systems. 

Insurers calculate your rates based on several factors:

• Age
• Driving history
• Safety features
• Vehicle’s make and model

Modifications and Their Impact

While cosmetic modifications can help your vehicle stand out, they may not affect your costs significantly. That said, informing your insurer if you make a cosmetic change is a good idea. 

Performance modifications, however, can lead to changes in your insurance rates of accidents or claims by:

• Tuning your engine
• Upgrading your exhaust system
• Boosting your car’s performance in any other way 

Some modifications can decrease costs. Safety upgrades, such as anti-theft devices or advanced driver-assistance systems, can minimize the risk of theft or accidents. If your vehicle is safer and more insurable, there is a potential for decreased insurance rates. 

Our Experts Have Your Back

If you have a vehicle modification in mind for your set of wheels, consider expert guidance from the insurance agents at Pronto Insurance. They’ll provide insight into how your car upgrades can impact your insurance coverage. Contact us today for more information about our coverage and rates.

Increased traffic, frequent bus stops, and the need to get kids to class on time can make the back-to-school season hectic and even overwhelming. As you prepare to take your children back to school, consider a carpooling system to make things more efficient.
While this option provides a wide range of benefits, it also raises the question of auto insurance coverage and your responsibilities as a driver. To help you make an informed decision on your system we want to share 5 FAQs with you!
Does Auto Insurance Cover Passengers?
In short, your auto insurance policy can cover passengers in your vehicle. The liability component of your auto insurance may be activated in the event of an accident if medical expenses or other damages are involved.
Does Carpooling Require Additional Coverage?
Your standard auto insurance policy can provide enough coverage for your carpooling needs. With that said, any additional coverage is entirely up to you. We recommend you review your policy to ensure you have the amount of coverage you feel most comfortable with.
Should Carpool Drivers Inform Their Insurance Company?
Your relationship with your car insurance company is all about communication. Being transparent and honest about your carpooling activities helps establish a mutually beneficial relationship with those protecting you if needed.
What if an Accident Occurs During Carpooling?
If an accident is ever to occur, it's your responsibility to inform your auto insurance company and let them spring into action. Follow the routine post-accident procedures: exchange information, document the scene, contact your insurance company, etc.
Carpooling Safety Tips
Safety should be on your mind whenever you hit the road, especially if your passengers are children.
Here are some essential tips to keep in mind when the back-to-school season comes around:
-Seat Belt Usage – ensure all passengers, including children, wear seat belts at all times. Seat belts save lives and significantly reduce the risk of injuries in a crash.
-Child Safety Seats – if you’re carpooling with young children, ensure they are appropriately secured in approved child safety seats according to age and size.
-Designate Pick-Up/Drop-Off Locations – establish specific pick-up and drop-off locations to avoid confusion and ensure a smooth carpooling routine.
-Avoid Distractions – as the driver, stay focused on the road and avoid distractions like texting or using a smartphone.
-Create an Emergency Plan – discuss an emergency plan with your carpool passengers, including what to do in unexpected or medical emergencies.
-Be Punctual – stick to the agreed-upon schedule and be punctual to ensure everyone arrives at
their destinations on time.
Let’s Explore Your Options
If you’re currently planning out a carpooling system and need to make sure your insurance needs are met, Pronto Insurance can help. Our insurance agents can help you determine what coverage best fits your needs. Get in touch with us today to learn more.

Finding the best auto insurance policy possible is easy for some, however, others are not so lucky. Some agencies claim there are many qualifications to meet. We offer fast and flexible
auto insurance for every area of your life. At Pronto Insurance, having the correct information can make all the difference. As you explore options for your auto insurance needs, keep these crucial factors in mind.
Driving Record
Your driving history is a crucial factor that can affect your insurance premium. Your rates can climb or decrease depending on your driving record. For instance, a clean record with no
accidents or traffic violations usually leads to lower rates.
Age and Experience
Young and inexperienced drivers are statistically prone to more accidents. This means their insurance premiums may be higher than other, more-experienced motorists.
Vehicle Type
The make and model of your vehicle can significantly impact insurance costs. While older vehicles may see higher premiums, their newer counterparts, equipped with advanced safety
features, may qualify for discounts.
Marital Status
Married individuals may enjoy lower insurance rates compared to single drivers. Married couples are often perceived as more responsible and cautious on the road.
Claims History
You could see higher premiums if you have a history of past claims. Insurance companies consider your claim record as an indicator of potential future risk.
Let’s Get Started
As you shop for auto insurance, you must be mindful of the factors that could affect your insurance premiums. Are you unsure of how this could change your insurance costs? Don't
worry! The insurance agents at Pronto Insurance are here to help you navigate your options. Get in touch with us today to learn more.

The temps are high, and so is the family’s desire to hit the road for a relaxing summer vacation.
As you start considering destinations and booking your stays, it’s also important to prioritize your safety while out on the road. At Pronto Insurance, accidents can happen when you least expect them, so taking steps to stay safe and insured as you hit the road is necessary.
Practice Vehicle Maintenance
Before you load up the car and strap everyone in, ensure your vehicle is in optimal condition.
Schedule a comprehensive maintenance check-up beforehand and ensure it covers:
 Tire inspection
 Fluid levels
 Brake
 Light checks
If you can do it all on your own, more power to you! But don’t hesitate to get professional help if you need some assistance.
Get the Right Coverage
Now is the perfect time if you haven’t checked your car insurance policy in a while.
 Ask your provider if they offer discounts or member benefits for your vehicle.
 Consider adding liability coverage to protect yourself financially in case of an accident.
 Verify if your policy includes coverage for rental cars since it can be helpful if you plan to rent a vehicle.
Invest in Roadside Assistance
Whether you get a flat tire or a busted engine, car troubles can reach you when you least expect them. If your insurance provider offers roadside assistance, don’t hesitate to enroll. This
service can be a lifesaver in the event of flat tires, dead batteries, and even lockouts.
Review Uninsured/Underinsured Coverage
Besides fun and excitement, road trips mean one thing: you’ll spend a lot of time with other motorists, and it’s impossible to know what type of insurance they have, if any! Protect yourself by considering uninsured/underinsured coverage. That way, if you’re involved in an accident with a driver who doesn’t have insurance or insufficient coverage, your provider will have your back.
Get a Reliable Auto Insurance Provider
Safety is a priority no matter the time of year. Pronto Insurance covers you whether you’re looking to add coverage to your policy or simply shopping around for better deals. Contact our
insurance agents today for more information about our policies, services, and quotes.

There is nothing quite like an Independence Day celebration filled with loved ones, great food, and a beautiful fireworks display. However, it’s important to remember that fireworks can pose
risks, including potential damage to vehicles. As you gear up for the festivities, understanding your auto insurance coverage is crucial to protect you.
The auto insurance experts from Pronto Insurance discuss essential information and tips to keep in mind during Independence Day celebrations.
Consider Comprehensive Coverage
Comprehensive coverage protects your vehicle from:
 Non-collision events
 Weather-related damage
 and possibly firework-related damages
Review your policy to ensure you have sufficient, comprehensive coverage in place. This coverage will help cover repairing or replacing your vehicle if it sustains damage due to
fireworks.
Be Mindful of Parking
When attending fireworks displays or gatherings, be cautious about where you park your
vehicle.
 Avoid parking too close to the fireworks launch area or areas where debris may fall.
 Choose a safe and secure location away from the action to minimize the risk of damage to your vehicle.
 If you live close to a firework-launch area, try to park your vehicle in your garage or a safe place a few blocks away.
Document Your Vehicle
Before attending any Independence Day celebrations, take the time to document the current condition of your vehicle. Document any scratches or dents by taking clear photographs from
all sides of your vehicle. In the event of firework-related damages, these photos can be evidence for insurance claims.
Contact Your Insurance Provider
If you have firework-related vehicle damage, don't hesitate to contact your insurance provider to report the incident. Make sure to:
 Follow their instructions regarding the claims process and provide them with accurate and detailed information.
 Keep a record of all communication and documentation related to the claim.
 Remember to contact your Pronto Insurance agent as soon as possible.
Pronto Insurance is Here for You
Safety is a priority, no matter the celebration or time of year. If you're looking for an auto insurance provider that genuinely has your back and recognizes the importance of savings, look
no further – Pronto Insurance is here to help. Contact our insurance agents today and learn more about what we have to offer. They'll listen to your needs and provide quotes prioritizing
what will make a difference in your life.

Summer usually means an increase in many things – temperatures skyrocket, electric bills rise, and gas prices can surge too! At this time of the year, savings are a must, no matter where they
come from. At Pronto Insurance, we know you and your pocket can potentially benefit from auto insurance savings. So, we want to share five tips to help you keep some money in your pocket while staying protected on the road.
Review Your Policy
Reviewing your auto insurance policy at least once a year is essential, and summer is a great time to do so.
 Assess your coverage needs and evaluate any changes that may have occurred.
 Consider factors such as vehicle depreciation, changes in driving habits, and personal circumstances can impact your coverage requirements.
 Review your policy, you can make sure you’re not paying extra for things you may not need.
Policy Bundles
If you have separate auto and home insurance policies, it might be time to bundle them up.
Most insurance companies offer discounts when you do so. Plus, bundling your policies helps simplify your insurance management by consolidating everything under one provider.
Raise Your Deductible
Your deductible is paid out of pocket before your insurance coverage kicks in. If you increase your deductible, you assume more responsibility in the event of an accident but save on your
monthly premiums.
Please note: you must ensure you can comfortably afford an increased deductible in case of an accident before you make the change.
Maintain a Good Record
This one may go without saying, but a good record is one of the best ways to keep your auto insurance costs low. It demonstrates to insurers that you are a responsible diver. So, ensure you’re always observing traffic laws, avoiding speeding tickets, and practicing safe driving habits.
Shop Around
Beat the heat, not your wallet. If your insurance provider is not offering better rates, don’t be afraid to shop around with other companies. Take time to:
 Compare prices
 Review rating systems
 Evaluate pricing structures
By gathering multiple quotes, you can get closer to the best coverage at the most competitive rate. Contact the insurance agents at Pronto Insurance to get a quote today.