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5 Car Safety Tips to Keep in Mind While You’re Shopping

by Anita on December 12, 2019

Holiday shopping is great fun, and it’s a fulfilling opportunity to treat your nearest and dearest to gifts that will benefit them throughout the new year. However, it’s also a time when criminals and opportunists target motor vehicles. As a leading provider of auto insurance in Philadelphia, PA, we’ve gathered some car safety tips to help you avoid falling prey to thieves this year.

Invest in a Cargo Cover

If you drive an SUV, hatchback, wagon, or crossover, your vehicle likely has an exposed cargo area. One way to solve this problem is to utilize a cargo cover. If you’ve lost yours or you don’t already own one, we recommend ordering one from your local dealership or auto store. If you own a cargo cover, make sure you always put it to good use.

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Anita5 Car Safety Tips to Keep in Mind While You’re Shopping

What to Consider When Transporting a Car for a Long-Distance Move

by Anita on October 29, 2019

Transporting a vehicle for a long-distance move is a daunting prospect for many people. Most people have two options. They either tow the car themselves or hire a transportation company. As a leading provider of car insurance in Philadelphia, we want to make sure you make an informed choice and stay safe at all times. We’ve created this piece to discuss some of the pros and cons of both methods of transportation.

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AnitaWhat to Consider When Transporting a Car for a Long-Distance Move

5 Tailgating Safety Tips for Football Season

by Anita on September 18, 2019

As a leading provider of car insurance in Philadelphia, PA, we value the safety of our customers, their vehicles, and their families at all times. With the latest NFL football season officially underway, we want to offer our customers some essential tailgating safety tips. Below are some essential tips for safe tailgating this season.

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Anita5 Tailgating Safety Tips for Football Season

Social Media Habits to Ditch While on Vacation

by Anita on August 1, 2019

Summer is here, and many of us are looking forward to our well-earned summer vacations. Vacations are vulnerable times for our homes and belongings because professional thieves and burglars often take to social media to search for signs of empty properties. As a leading provider of home insurance in Bensalem, PA, we want all of our customers to be able to protect their homes. That’s why we’ve compiled some social media advice for people heading on vacation in the coming weeks.

Never Post Your Trip Countdown

Are you excited for your late August break that’s just 28 days away? That’s great! But it’s no reason to post a countdown on your Facebook or any other social media page. Potential burglars can use this information to pencil in an exact date to invade your home. If you keep the excitement internal instead of making it public, your house and possessions will thank you.

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AnitaSocial Media Habits to Ditch While on Vacation

How to Avoid Getting Drowsy While Driving

by Anita on June 5, 2019

Every year, thousands of traffic accidents are caused as a result of drowsy drivers, many of which lead to major loss or death. As the leading provider of car insurance in Bensalem, PA, we want to keep our customers safe from danger on the roads at all times. That’s why we’ve listed some tips to avoid getting drowsy when driving.

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AnitaHow to Avoid Getting Drowsy While Driving

Taking A Road Trip? Make Sure to Keep These Tips in Mind Before Driving!

by Anita on April 16, 2019

Road trips are great! We love them, but they can be dangerous, especially to young drivers taking on unknown roads with potentially faster speed limits and other pitfalls. As a leading provider of car insurance in Northeast Philadelphia, we decided to create a safe guide for any of our clients or potential clients to check before they plan their next road trip.

Check Your Car Battery

Double-check your car’s battery to ensure that it has a tight connection and there are no signs of visible corrosion. If you spot corrosion, disconnect the battery and clean the connectors with a wire brush. If you’re not savvy with how to remove and clean a car battery, check with an expert. It’s recommended that drivers have their car batteries professionally evaluated annually after it’s two years old.

Check Your Car’s Belts and Hoses

The belts and hoses in your car’s engine are critical when it comes to maintaining the functionality of your car’s cooling and power steering systems. It’s important to have them inspected to see if they are cracked or damaged. Belts need to be tightly installed, so make sure you have them verified and checked that they do not contain much slack. Also, ask a professional to check for any leaks.

Check to Make Sure Lights and Electrical Equipment Are Working

It’s crucial that all interior and exterior lights are in full working order on your car. Replace any bulbs that have run out of life. Also, check to ensure your windshield wipers are functioning properly. Check the air conditioning system and if you have any doubt, have the car serviced by a mechanic. The last thing you want is to have the vehicle overhear halfway through a road trip!

Double-Check the Brakes

If your car’s brakes are making a squeaking sound, then your brake pads are worn out. This could impact your stopping time and distance, leading to a potentially fatal accident. If the brakes are making any odd noises, or don’t feel right, they may need more fluids. When in doubt, seek some advice from a professional mechanic, it may just save your life, or someone else’s.

If you’re looking for quality and affordable car or home insurance in Philadelphia, PA, click here for more information!

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AnitaTaking A Road Trip? Make Sure to Keep These Tips in Mind Before Driving!

Why Philadelphia Car Insurance Rates Are Changing

by Anita on March 20, 2019

Car insurance pricing takes into account risks that have not only to do with the driver and the vehicle but also national and local environmental risk and regulation. Since 2011, the average national car insurance prices have increased by 23.12 percent, including rates for Philadelphia car insurance.

These increases are the result of several calculated factors.

Legislation and Regulation:

Each U.S. state has its own governing body that regulates insurance prices. These set the required minimum level of coverage that residents must carry, determine if and when insurance companies can change rates, and consider insurance legislation regarding fraud and more.

Philadelphia sits at just over $1,000 above the U.S. national average for annual car insurance prices, making your choice of car insurance provider crucial in terms of securing the best rates, with the most complete coverage for you and your vehicle.

Population and Crime:

More populated cities with higher instances of traffic congestion, crime, and uninsured drivers often have higher insurance premiums. Philadelphia has experienced 12 years of straight growth recently, after a decade of population decline. With this growth comes increased pricing on car insurance rates, as the risk of accident, crime, and uninsured drivers increases with the rise in population. A staggering 12 percent of American drive without insurance.

Weather:

Natural disasters and various other events lead to huge increases in costly claims for a given area. This causes insurance companies to raise rates in order to account for their losses.

Last year, Hurricanes Florence and Michael generated massive insured losses across parts of the USA, substantially impacting rates.

The Greater Philadelphia area’s position near the Atlantic Ocean has made it vulnerable to hurricanes and tropical storms, and to flooding from storm surges along the Delaware River.

Economy and Behavior:

Americans are increasingly reckless behind the wheel, with cell phones, alcohol, drugs, other passengers, and even the cars themselves distracting our drivers.

Unfortunately, back in 2017, Philly was ranked 191 out of 200, in the Allstate nations best drivers report.

There are also more people driving in the USA than ever before, with mileage across U.S. roads steadily increasing since 2011. As of earlier this year, gas prices remain among the lowest they’ve been in the past decade, encouraging Americans to drive more. However, more drivers on the road lead to more accidents, claims, and increased rates to compensate for the risks and losses.

Freedom Insurance Group, Inc. works hard to keep rates for auto insurance in Yardley and across Philadelphia as affordable as possible. For the best competitive rates in your area, bespoke quotes, and amazing coverage as a promise, get a free quote here today.

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AnitaWhy Philadelphia Car Insurance Rates Are Changing