Safety

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Can Your Smart Home Save You Money?

There’s a definite “cool factor” to the idea of a smart home. The ability to turn lights on and off with your voice, get notified if there’s someone on your porch, or have your smoke detector alert the fire department if it detects a problem seems futuristic. It’s reminiscent of the Jetsons and Iron Man. Smart home devices definitely are cool – but they’re also practical. Many of the devices aren’t just about convenience, they’re also about safety. Lights that turn on and off automatically when you’re on vacation can deter burglars, smoke detectors that call the fire department can…

High-Tech Car Options: Splurge or Save

If it’s been a few years since you last shopped for a new car, brace yourself. Some of today’s vehicles have high-tech options that are straight out of the Jetsons. Cars aren’t flying yet, but some can drive and park themselves. And dashboards that used to house a radio and a few knobs now have digital touch screens the size of your first TV.   Like just about everything in the world of cars, some new features are must-haves and others are may-as-well-avoids. Remote Start At roughly $250-$400 dealer price, this is largely a personal call. If cold winter nights…

How to Pay When Traveling Abroad

Traveling outside of the United States offers unlimited, wonderful experiences. But when you leave the country, the mighty United States dollar may not be as easy to use as it is at home. Whether you find yourself in need of Euros, Pesos, Pounds, Yen, or something else, follow these steps to safely pay when traveling abroad. Credit Cards Are the Safest Option Your best option to make a purchase abroad is your trusty credit card. Credit cards are the best option outside of the United States for many of the same reasons they are the best option at here at…

How to Curb the Growing Dangers of Distracted Driving

If you’ve purchased a new car anytime in the past few years, you’re driving what amounts to a powerful motorized computer that can reach highway speeds in seconds. Beyond the many mechanical and electrical functions your car’s computer systems control or monitor, are many helpful features and enticing distractions on that glowing computer screen that sits front and center in your dashboard. Dangerous Liaisons You can select among hundreds of radio and satellite stations, browse for your favorite music on your iPod, change the temperature in the car, heat or reposition the steering wheel and the seats, adjust your mirrors,…

If Cars Drive Themselves, What Does That Mean for Car Insurance?

Imagine it’s 2025. You’re phoning through the morning headlines while your autonomous vehicle navigates your 10-mile commute. Another self-driving vehicle owner is Snapchatting away in an oncoming lane, oblivious as you are. Wham. The two cars collide on an icy intersection. Who’s at fault? Most industry analysts say it’s the vehicle manufacturer, or possibly one of the technology companies that developed the various automated driving or safety features built into the car. In fact, in 2015, Google, Mercedes-Benz and Volvo all agreed to accept liability for accidents that occur when one of their vehicles is in autonomous mode. Taking Control…

Want Lower Car Insurance Premiums? Choose Your Car Carefully

Trying to crack the code on everything auto insurance companies look at when deciding what your premium will be is a little like trying beat search engine algorithms. Something you won’t be able to conquer over a weekend, that’s for sure. The good news, however, if you don’t need to consult a secret playbook to get a good rate. There are some things you can watch out for while shopping for a car that can help keep those premiums manageable. Here are the most important: Safety Safety ratings aren’t necessarily top-of-mind while car shopping, so you have to make sure…

College and Insurance: Insurance Entrance Exam for Kids on College Campuses

If you have a child living away at college, you’ve probably been through an extensive checklist in getting him or her prepared and moved to campus for the fall semester. Amid the flurry of planning and packing, have you thought about college and insurance? Although still your dependent, your child living away from home may have additional insurance needs to protect their belongings and their well-being. Consider these areas: Auto Insurance Fewer than half of college students have cars on campus, so if your child doesn’t have wheels, let your carrier know. Your student may be eligible for a “distant…

Ride On Insurance – 6 Bicycle Safety Tips

If you’re looking to get fit, slim down, or increase your cardiovascular health, there are few better activities like cycling. It’s easy on your joints, builds muscle, can help you stay lean and improves your balance. One Good Turn Deserves Another A 2000 study found people who regularly ride a bike for an hour a day have an 18 percent lower risk of death than people who never ride. Those who ride for at least an hour and a half have a 28 percent lower risk of death. Much of this reduced mortality may be owed to the lower incidence…

5 Smart Summer Vacation Safety Tips

Summer is in full swing, which means many of us are either on vacation now or planning to be on vacation very soon. While summer getaways offer us a great chance to relax and unwind, it pays to be alert and prepared whenever we travel. Whether your destination is halfway across the world or within driving distance, here are five smart summer vacation safety tips to protect you and your loved ones all vacation long. Stash Your Cash Between pickpockets and hotel room burglars, it can be tricky holding onto your cash when you’re on vacation – especially if you…

Best and Worst Cities for Drivers

33,561 people in the US were killed in car crashes in 2012, according to the most recent study by the National Highway Traffic Safety Administration. No matter how safe a driver you may be, your fate on the road partially depends on your fellow drivers. That’s why it pays to know just how safe ­– or how dangerous – a city is from a driver’s perspective. According to Allstate’s 2015 Best Drivers Report, here are the five best and worst driving cities in the US. 5 Best Cities  Kansas City, Kansas. Heartland drivers, take heart! Drivers in Kansas City, Kansas are 8…

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