Author: Active Insurance

In the last few months, car thefts have become prevalent across the nation. As these types of incidents rise, it’s important to emphasize the need for vehicle owners to take proactive action against them.

But how can you possibly prepare for an event like a car theft, and how do you mitigate its consequences?

The Basics
If you want to minimize the risk of car theft, there are some basic precautions you can take.

• Always park in a well-lit area with at least some traffic.
• Lock your doors and close your windows before leaving your vehicle.
• Never leave valuable items in plain sight to dissuade any would-be thieves.

Embrace Tech
In today’s digital age, technology offers advanced solutions that can help protect your vehicle. For instance, GPS tracking devices and immobilizers can significantly increase the chances of recovering a stolen vehicle. While dealing with new tech can be overwhelming at first, revolutionary devices can give you the added layer of security you need.

Stay Covered
One of the most crucial aspects of car ownership is having comprehensive auto insurance coverage. It’s not just a legal requirement; it’s a shield against unforeseen events like theft. Understanding your insurance policy’s coverage for theft and ensuring it adequately protects your vehicle is paramount.

• Without insurance, you would be personally responsible for covering these costs, which can be substantial.
• Auto insurance includes liability coverage, protecting you from legal and financial repercussions if you’re at fault in an accident. It may cover medical expenses, property damage, and legal fees.
• If your vehicle is stolen or damaged in a non-collision event, such as a natural disaster or vandalism, auto insurance can help cover the cost of repairs or provide compensation
  for the loss.

Active Insurance Has Your Back
At Active, we want to help you avoid emergencies and unforeseen issues.

• Our auto insurance policies are tailored to safeguard your car in various scenarios,
  including theft.
• We prioritize offering the support and coverage needed to navigate through challenging
  situations.Our auto insurance policies can be tailored to address your specific needs – nothing
  more.

Call our insurance agents today to learn more about our coverage options and get a custom quote.

The changing of the seasons is a welcome sight for many – whether you’re welcoming the coziness of autumn and winter or the brightness and excitement of spring and summer. But, if you’re a homeowner, these seasonal changes can impact your home and its insurance. Learn more about the effects of changing seasons and how to protect one of your most significant investments: your home.

The Potential for Weather-Related Damage
In some regions, fall and summer are known for their unpredictable weather, including heavy rains, thunderstorms, and even hurricanes. These weather events can damage your home, such as roof leaks, flooding, or fallen trees. As a homeowner, reviewing your home insurance policy and watching for adequate coverage for these types of events is essential. If you need more protection, consider adding or updating coverage.

Yard Maintenance and Liability
Yard maintenance is a year-round affair. Whether you’re raking leaves, trimming trees, or resurfacing your exteriors, an accident on your property can make you liable for potential injuries. We recommend you look at your liability coverage within your home insurance policy.

Holiday Decorations and Liability
Holidays allow families to be fun and festive with elaborate decorations and special effects. Unfortunately, décor can often make way for trips and fall hazards that could prove as costly as they are dangerous. If you plan to decorate your home for the holiday season, review your liability coverage and take steps to ensure your decorations are safe for visitors.

Seasonal Home Improvements
Many homeowners undertake home improvement projects yearly – from spring cleaning to fall-time gutter cleanouts. These improvements can enhance your home's safety and reduce the risk of insurance claims. Keep records of any upgrades or repairs you make, as they may impact your home’s insurability and could even lead to lower premiums when applicable.

Active Has Your Back
Taking precautions and reviewing your home insurance policy, anticipating the changing seasons can help protect your home and family from potential risks and liabilities. At Active Insurance, we want to remind you that staying informed and proactive is key to ensuring your home remains safe and secure. If you’re looking to increase your insurance coverage or switch insurance companies altogether, contact us. Our insurance experts can answer your questions and guide you as you move forward.

Slowly but surely, the year is coming to a close, and you’ve discovered something alarming: you’ve been paying way too much for auto insurance over the last few months. Lucky for you, fall is a great time to find potential ways to save.

Auto insurance discounts can help lower your premium while protecting you on the road.

Learn more about the various discounts available to you and get tips on maximizing your savings as the end of the year approaches:

Bundle Your Policies
Let’s say you have different policies for different types of assets—auto insurance for your vehicle, home insurance for your dwelling, and so on. One of the most effective ways to save on auto insurance is by bundling all your policies. Building can both function as a way to save money and simplify your entire insurance management process.

Maintain a Safe Driving Record
Safe driving matters year-round, but you can turn it into savings if you’ve shown fantastic driving habits over the last few months. Insurance companies frequently offer safe driving discounts for individuals with a clean driving record.

Review Your Coverage Needs
Let’s say you spent the entire summer on the road, taking exciting vacations and visiting pals nationwide. Great! But maybe you expect to do much less driving during the fall and winter – perhaps you don’t need the type of coverage you had during the summer! It may be time to take a long, hard look at your range and make changes that fit your driving needs going forward and save you money.

Install Safety Features
A lot can happen in a matter of months. For instance, you could add safety features like anti-lock brakes or anti-theft devices to your vehicle. If that’s the case, you could potentially see plenty of savings. Let your insurance company know and find out what discounts they will offer.

We Have You Covered
As you enjoy the beautiful autumn drives, ensure you’re also enjoying the savings on your auto insurance. By taking advantage of these discounts and tips, you can maximize your savings and ensure you’re adequately protected on the road this fall.

If you’re enjoying the cooler temperatures and changing leaves, then you will like the savings you can get on your auto insurance this time of year. If you’re currently hunting for better rates and adequate coverage, Active Insurance can help. Contact our insurance agents today and learn more about our services.

Purchasing a new vehicle is a big commitment and responsibility with many things to consider. Unfortunately, the need to buy a new car is sometimes inevitable.

But how will you know it’s time to get rid of your current set of wheels and purchase a new vehicle?

Active Insurance has a few common and not-so-common tell-tale signs that could help inform your decision.

Frequent and Costly Repairs
Visiting the mechanic for repairs is a challenging situation. Especially if it happens much more frequently, if the bills are piling up and your car keeps breaking down, it may be time to evaluate the cost of repairs against the current value of your vehicle. In many cases, investing in a new car may be a more financially sensible option.

Declining Fuel Efficiency
If you’ve visited a gas station in the last few months, you know how expensive fuel can be. If your car’s fuel efficiency is subpar, it could be a sign that your car’s major components are wearing out. In the long run, upgrading to a newer, more fuel-efficient vehicle may be your most cost-effective option.

Safety Concerns
There’s a solid chance your vehicle lacks the safety features that make modern vehicles so desirable. If safety is on your mind, you may want to consider a car equipped with adaptive cruise control, automatic emergency braking, lane-keeping assist, and other safety features.

Decreased Reliability
Has your car ever left you stranded in the moments you most needed its reliability? Has this happened a lot more frequently over the last few months? If your vehicle doesn’t have what it takes to offer you reliability, it may be time to start shopping around for a more dependable car.

Resale Value Considerations
Depreciation is a fact of every vehicle’s life – their value decreases substantially as time passes. If you’re concerned about how much money you could get for your current set of wheels, trading in or selling it may be your best option.

Insurance You Can Trust
If you decide to purchase a new vehicle, you must protect it with an insurance policy you can trust. Not to worry, Active Insurance has you covered.

Contact our insurance agents today for a quote or more information about our services.

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.