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Sharing the Road

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 Road Rules 101: Turning right across a bike lane

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Is making that glass claim really worth it?

Chris-Smith

Driving Northbound on I-5, I was behind a semi-truck and had a weird feeling that something might happen. From the truck’s tires I could see dirt chips creating a momentary mini cloud of dust on the freeway. Then, I heard a loud WHACK.

At first, I thought, “Wow, I’m lucky, no crack!” But the next morning, the truth was spread across my windshield.

Unless you have one of those $1000+ windshields, making a claim for windshield repair or replace-ment probably isn’t worthwhile. Sure, companies will reimburse you, but even being reimbursed may not be worth the impact to your insurance rating profile and future rates.

Here’s the scoop...

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Washington's Electronic DUI Law Now in Effect

Washington's E-DUI law, which bans the use of any hand-held personal electronic devices while driving, is now in effect. Violations are reportable to insurance companies! Be informed by visiting the Target Zero website for more details.

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Safe Driving Saves Money... Really!

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As the insurance industry continues to change, more than ever we find companies are putting their clients in the driver's seat by offering programs that let them customize their insurance rates. This means the safer you drive, the more you'll save! Safeco and Progressive – two of the companies we represent – offer vehicle telematics programs where drivers can earn up to 30% off their insurance premiums. Recently, a family insured with CTIA participated in a telematics program and saved BIG! This was a great opportunity for an entire family to p...
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The Road More Traveled

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Receiving your auto insurance renewal and seeing that your rates have increased can feel very personal. I know, I've had that feeling on a number of occasions over the years.  Even understanding how insurance rates are set, it doesn't make me feel any better to see a rate increase. Thoughts that may cross your mind: ​ "I've been with the same company for years!" "I pay on time; my driving record's clear!" "But my cars are getting older!" ​ The reality is our region continues to show immense population growth, resulting in more traffic cong...
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Have a Teen Ready to Drive? Consider This Contract

Have a Teen Ready to Drive? Consider This Contract
Parents often have a lot of questions about when their teens are ready to drive. This is a personal situation that every family needs to consider for each of their children. Some may be ready at an older or younger age than others, depending on their level of maturity and responsibility. Before your teen takes the wheel, it is important to discuss not just the mechanics of how to drive, but also all of the responsibilities, consequences and costs associated with driving. Establishing clear agreements about the rules and responsibilities will he...
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Who Will You Dedicate Your Pledge To?

Who Will You Dedicate Your Pledge To?
Driving Under the Influence of Electronics Act Nationwide, 43 states have passed laws to prohibit drivers from texting. In Washington State, lawmakers recently approved Senate Bill 5289 , Driving Under the Influence of Electronics Act . This new legislation which will go into effect in 2019 forbids the use of a handheld device and all video watching while a car is moving or briefly stopped. The fine will increase to $245 on the second offense, and distracted driving will be reportable to insurance companies on the first offense, like any other ...
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Distracted Driver Awareness Month

Distracted Driver Awareness Month
​ APRIL is Distracted Driver Awareness Month , a good time to consider facts about distracted driving . Here are a few collected from recent studies: Drivers are four times more likely to crash if using a cell phone, whether or not it is hands-free. Drivers talking on cell phones can miss seeing up to 50% of their driving environments, including pedestrians and red lights. A National Safety Council review of the science  concludes that "hands-free devices offer no safety benefit when driving." New studies show that using voice-to-text is m...
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Is Your Teen Really Ready?

Is Your Teen Really Ready?

Most teenagers can’t wait to get behind the wheel, but just because your child has reached the legal driving age and wants to drive, that doesn’t necessarily mean he or she is ready. Driving is serious business, especially on today’s crowded roads with cell phones and other distractions adding higher risk.

Since your child’s life and the lives of everyone else on the road are at stake every time they get behind the wheel, it is essential that parents evaluate their teen’s maturity and responsibility before handing over the keys. Gauging a teen’s readiness to drive requires honestly assessing his or her individual temperament and behavior, which will be different for every child. Don’t feel obligated to let your kids drive just because they have reached the age or their friends are driving. We encourage parents to use your own judgment and trust yourselves; you are the best judge of your kids’ maturity. Listen to your gut, not to their pleading! If you're feeling uneasy about handing over the keys, even just a few months of waiting could make a big difference.

If your 16 year old is irresponsible when it comes to things like doing her chores and getting her school work done, she may not be ready for the responsibility of driving. Or if your teen shows reckless behavior or high susceptibility to peer pressure, he may not be ready to take the wheel responsibly. You might have one child who is mature enough to safely handle the responsibility of driving at age 16 and another who still isn’t ready by 18. Driving is not one size fits all! Evaluate each of your kids as the individuals they are and don’t let concerns about fairness or peer pressure get in the way of making a smart decision.

When you do reach the decision that your teen is ready to take the wheel, make sure you are protected. Adding a teen to your auto insurance is a good time to review your policy to make sure you have the right coverage for all of your risks and needs. Although there are costs for adding a teen to your auto policy, the first way to reduce the cost is with the Good Student Discount for students with a 3.0 GPA or higher – a good incentive for your teen to keep up with their grades, especially if he or she will be helping pay some of the insurance costs. Bundling your renter’s and auto insurance policies helps you save even more.

If you have a teen reaching for the wheel soon, give us a call.

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The Best Way to Avoid Car Break-Ins

The Best Way to Avoid Car Break-Ins

Car break-ins are one of those things you never expect to happen to you.

You lock your car and roll up your windows and assume that should be enough. But, anyone who has had their car broken into, knows car prowlers aren’t deterred by secured doors and windows.  

And it usually happens because they had something, even random items, visible through the windows.

There is a direct correlation between what is visible in your car and break-ins. For every car break-in claim at CTIA, we ask what was visible in the car. People often say nothing, until we dig a little deeper and inquire about random items. It doesn’t have to be a purse, wallet or electronic, even charging cords or loose change in cup holders can be temptation for a car prowler. We’ve even heard stories about luggage, left in the backseat, being rummaged through.

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