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.

10 Tips On How To Get Your Car Unstuck This Winter

With winter’s grasp firmly upon us, the issue of getting stuck becomes more prominent in our daily lives. Whether you are just slipping a little or the wheels are buried to the axles, these 10 tips on how to get your car unstuck are not only helpful, but can prove to be a lifesaver. All of these tips have been compiled through years of getting stuck ourselves.

  1. Don’t stop! If you are sliding off the road, headed towards a drift, slush pile, etc. and do not stop. Your vehicle’s momentum can carry you out of the mush. The same goes for when you are stuck and get some movement. Don’t stop until you are absolutely stuck. Even a little bit of constant movement is better than just spinning wheels.
  2. Don’t spin the wheels. When you are stuck and your tires are just spinning, stop. Unless you are on solid ground (concrete or asphalt), stomping the pedal and spinning the wheels is just going to make it worse.
  3. Apply proper power. Use your throttle sparingly and in the right way. If too much power is overpowering the tires and snow, use part throttle. You’d be surprised how less power might just get you out.
  4. Shift to low. Make sure your automatic transmission is shifted into the lowest gear. For manual transmissions, you actually want to shift into a higher gear, such as 3rd or 4th, and use the clutch to control the spin. There will be less shock on the tires and you will have more control to keep the tires from spinning.
  5. Turn off the traction control. This one might seem counter-intuitive, but when you are stuck and need power to the wheels, any slipping will cut the power right when you need it. Push the traction control button to turn it off. Some vehicles require you to push and hold the button for several seconds. With this off, you will be able to spin the tires all day. Watch out for using too much power though. (see #2)
  6. Rock it, baby. The classic ‘unstuck’ move is called rocking. This is a maneuver where you use the engine to roll the vehicle forward, put it in reverse, roll it backward, and then shift to drive and roll forward. Doing this several times builds momentum for the vehicle, often getting it out of the rut it is stuck in. Once you are over the hump and rolling in one direction, power out of the mess until you are on solid ground.
  7. Use traction devices. It is too late to add chains or cables to your tires, but you can use other items to enhance the grip of your tires. Rocks (quarter size and smaller), sand, even small branches and sticks can give you the grip you need to get out. It is a good idea to carry a bucket or bag of sand, pebbles, kitty litter, etc. when you live in snow-prone areas. Kitty litter, in particular, is one of the greatest all-time fixes so keep a small bag in the trunk during the winter.
  8. Go straight ahead. Make sure your tires are pointed straight. There is considerably more stress on the tires when they are turned. This means it is harder for the vehicle to move, and therefore easier for the tire to spin rather than get traction and push or pull the vehicle out of the mess.
  9. Let some air out. When you just can’t get the grip, try letting some air out of the tires. This makes a wider contact patch and can give you the necessary grip to get out. Just don’t forget to inflate the tires to the proper specification as soon as possible. Until you get the tires inflated, keep the speed down so you don’t ruin your tires.
  10. Life’s a snow garden, can ya dig it? Sometimes, you just have to get down and dig. Carrying a camp shovel will make this easier, but a stick, wood board, or even a plastic cup can get the snow and mud out of the way. The idea here is to dig a long ramp from the tire to the flat ground instead of a deep sudden rut that you likely find yourself in. Additionally, there may be a large mass of snow under the chassis, making it difficult to move. You need to try to remove as much of this as possible.

If you can’t get your car unstuck with these tips, call a tow truck for assistance. Make sure your tailpipe is clear of snow so that the exhaust fumes don’t back up into the cab of the vehicle. This is now the time to break out your winter emergency car kit, sit tight and wait for the cavalry. Stay safe!

Active Insurance is a Chicago car insurance agency that provides auto insurance options to fit the needs of Illinois drivers. We also provide roadside assistance for $39 per year, and it includes 24 hour emergency towing, tire service, battery service and lost key/lockout service. Contact us for more information.

*This article was originally published by Jefferson Bryant on Napa Know How Blog.

*Image Source: Napa Know How Blog