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5 Simple Tips for an Awesome Family Road Trip

6/11/2020

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Whether you and your family are driving to the zoo, the lake, or visiting relatives, you are part of the American tradition of the road trip. Part of the appeal of a road trip is all the fun along the way. So, to make sure you’re prepared for your spontaneous adventures check out these tips:

1. Take your vehicle in for maintenance
Oil changes, tire rotations and brake pad replacements are all great ideas before your big trip. Tell the mechanic about your road trip plans and approximately how many miles you plan to travel in your vehicle. They may be able to spot potential issues before you leave to avoid a problem on the road.

2. Review your auto insurance policy
It’s a good idea to review what your auto insurance covers before you hit the road. Things like road trouble service and rental car coverage may be important to know if they are included on your policy.

3. Check the weather at home and your destination 
In the days before your trip, you’ll probably watch the weather forecast for your destination and route. However, it’s also a good idea to check the upcoming weather for your home.
The last thing you want is to come home and find that a tree has fallen on your house, or that your basement has flooded. See what the forecast says and ask a neighbor to check on your house once a day, especially if there’s bad weather. Be sure you leave them a reliable contact number.

4. Renting a vehicle? Make sure it's covered
If you decide to rent a vehicle for your road trip, contact your local insurance agent to learn about rental car coverages. Most rental companies will ask if you want to purchase insurance for your rental car. But, you may not need it. Your independent agent can check your existing auto policy for any coverages that may apply and can discuss coverages you may be able to add. One coverage to ask about is rental gap coverage.
Unless you've read the fine print on the rental contract you probably haven't heard of this coverage. Your local insurance agent will know and can help you feel confident signing your rental agreement. 

Rental Gap Coverage: Let’s say you crash your rental car and it’s worth $20,000, but the rental company decides to sell it for $10,000 instead of fixing it. Without rental gap coverage, you are responsible for the difference.

5. Arrange roadside help before you go 
Roadside trouble service can be a vacation saver and you don't have to be a member of an auto association to get it.

​If you have any questions whatsoever, call Theodore & Associates today and we'll get you road trip ready!
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Coronavirus and Your Car Insurance: A Practical Guide

4/23/2020

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The COVID-19 pandemic has impacted every part of daily life, from sheltering in place to lost paychecks. While car insurance is no exception, the good news is that every major provider has pledged to help Americans in need like never before. To separate fact from fiction, we spoke with experts and analysts across the country to determine exactly how the coronavirus crisis will affect your car insurance.

Is my insurer going to give me money back?
As of March 22nd, the number of cars on the road had fallen dramatically, about 20%, following the declaration of a national emergency in the U.S. Many of the largest auto insurance companies recently announced they will be responding to the lowered risk of auto claims with premium rebates for customers.

State regulators are also putting pressure on all insurers to step up to support consumers with measures like extended grace periods, so if your insurer hasn’t yet responded with meaningful actions, you can routinely check its website to catch updates or reach out directly.

Should I change my auto coverage because of COVID-19?
While you can definitely reach out to your insurance company to see if your lowered mileage could mean a discounted rate, keep the following in mind: Don’t cancel coverage you’ll need in the future. Canceling your car insurance, even if it’s only for a limited period of time, can have several negative impacts:
  • You won’t be covered for any losses
  • Most states legally require car insurance before you can drive
  • A gap in coverage can mean higher premiums when you restart your coverage
  • There may be cancellation fees or unexpected costs

How can I lower my monthly payments?

Increase your deductible
Your deductible is the amount of money you agree to pay out of pocket before the insurance coverage will kick in. Increasing your deductible helps lower your premium because you’ll be on the hook for a larger part of any potential losses, but that also means saving on your bill now is something you’ll need to weigh with your ability to take that additional risk.

Reduce your liability coverage limits
Lowering your liability coverage limits can also help you save on insurance, but it will likely make a smaller dent than changing your deductible. Your car insurance coverage will have both bodily injury and property damage liability, or the maximum amount your insurance company will cover, if you cause damage to someone else or their property.

Switch to a usage-based plan
If you’re driving fewer miles than usual, you may want to consider a usage-based car insurance plan. While traditional car insurance is priced using factors like your age and claims history, usage-based insurance relies on driving data (usually gathered through an app on your phone) to determine how much you pay for coverage.

Many larger insurers are starting to offer usage-based options. This option would be best for users who are likely to benefit from a usage-based policy for the long-term, though. Switching insurers too often can signal that you’re not a loyal customer, which can mean you may be quoted higher rates from even other insurers in the future.

Will my future auto insurance premiums be affected by COVID-19?
Most drivers are well aware that an increase in claims can spike car insurance rates, but the economy as a whole is also closely tied to an insurance company’s business.

Will auto insurance claims be affected by COVID-19?
With social distancing measures in place across the country, insurers are making sure their employees and customers stay safe by keeping the claims process digital. This may be a big change from a typically hands-on process or you may not see a change at all.

What if I can’t afford my auto insurance payments because of COVID-19?
If you are struggling with your car insurance premiums, you should contact your insurer. Many are addressing the COVID-19 pandemic with programs to assist policyholders.

For more information, please contact Theodore & Associates today.
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football season is here!

9/12/2019

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Football season in the south brings with it a whole host of seasonal activities for football fans, from game-day tailgates and sports bar outings, to friendly bets and bowl parties.  At Theodore & Associates, we want your football season to be both exciting and safe, so as you cheer your team to victory, consider the following tips.
  • Keep it clean: Tailgating is one of America’s favorite pastimes! If you’re tailgating, opt for non-breakable, recyclable containers. This will make cleanup easier and help avoid injuries resulting from broken glass.
  • Be smart: Whether you are tailgating, hosting a football-watching party at your house, sitting in the stands at Williams-Brice Stadium or joining your buddies at the local bar, know your limit on alcohol intake and make sure you have a designated driver.
  • Know where you’re going: Pre-plan travel to and from the stadium to avoid getting lost and to make finding parking easier if you drive.
  • Fill those bellies: Whenever alcohol is consumed, make sure food is too!
  • Keep it close: Whether you’re hitting the live game or the local pub, be sure to keep your valuables, such as wallets, mobile phones and purses, safe. Also, keep it close to you (better yet, attached) at all times to avoid theft.
Wherever and however you’re watching games this season, we hope you enjoy every last minute.
​
Game day insurance tips
Here are a few pointers for making sure your insurance provides an additional safety net on game day:
  • Make sure you have adequate auto coverage to cover any contents that may be stolen in the unfortunate event of a break-in at the stadium parking lot.
  • Ensure you have sufficient liability coverage on your homeowner’s policy, as well as medical payments coverage and possibly umbrella coverage. These exist to protect you in the event someone becomes injured while at your house.
  • Consider roadside assistance coverage. In the event your vehicle breaks down or you lock your keys in your car, it can save the day.
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Will the Cars of the Future Leave Drivers in the Past?

8/15/2019

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If you’re like most people, you start up the car every morning and get ready to fight traffic on your way to work. But wouldn’t it be nice to read a book on your commute instead? Or check your email? Even send a few texts?

Today, that’s not possible for drivers. (Actually, it is possible, but it’s dangerous. And way too many people do those things and worse behind the wheel).

Tomorrow, however, self-driving cars might give us all the ability to do those things safely. And two amazing concept cars at the Consumer Electronics Show (CES) in Las Vegas provided a glimpse of an exciting future.

Each January, thousands of people from across the world attend CES to see the latest innovations in technology. Sam Affolter, senior director of research and innovation at Safeco, was there this year — and he’s intrigued by where the auto industry is headed.

“One of the coolest displays at CES was Toyota’s Concept-i car,” Affolter said. “It has a digital assistant called ‘Yui,’ an artificial-intelligence personality that customizes itself based on the different people in the car.”

With inward-facing cameras, Yui (pronounced “U-E”) identifies who’s in the car and where they’re sitting, and will recommend switching to autonomous mode when its facial-recognition technology senses the driver is distracted or sleepy.

It also learns your habits and preferences, Affolter said. “I prefer to be moving rather than stuck in traffic — and Yui will pick up on that and recommend routes that may be longer but with less congestion.”

Honda also made a big splash at CES with its NeuV, which stands for “New Electric Urban Vehicle.” Private vehicles are not in use 95% of the time, and Honda says the NeuV (pronounced “New-V”) could make good use of that extra capacity. It can function as an automated ride-sharing vehicle, picking up and dropping off customers at local destinations when the owner is not using the car. And when it’s idle, the NeuV even can sell energy back to the electric grid.

“It’s important to note that neither of these cars is rolling off the assembly line,” Affolter said. “They’re just examples of the possibilities.”

That may be a good thing, because it’s going to take time for people to get used to the idea of giving up control.

Both Yui and NeuV help break this barrier by acclimating drivers to the AI system in ways that can build trust, according to Affolter. Providing accurate, helpful information and recommendations over time increases the chances you’ll say “OK” when Yui or NeuV offer to take the wheel when you look tired or appear distracted.

“These innovations are paving the way to a more driverless future,” Affolter said. “It’s going to be really interesting to see where it leads us.”

Reposted with permission from the original author, Safeco Insurance®.
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tips for buying a safe car

8/8/2019

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You’ve heard all the talk about driverless cars — but unfortunately, we’re still years away from living in a world where you just tell your car where to go, kick back and relax with a book (or, more likely, your phone).

But even though our driverless future has yet to arrive, and you still have to pay attention when you’re behind the wheel, technology actually plays a big role on the road already. And nowhere is that more apparent than the new safety features that make today’s cars safer than ever.

Those features might be even more important now, because drivers aren’t necessarily better these days. In fact, according to the National Highway Traffic Safety Administration (NHTSA), 2015 ended a five-decade trend of declining traffic fatalities — the 7.2% increase in deaths from 2014 was the largest jump since 1966.

Of course, we all know the basics of being a good driver: be alert, don’t speed, avoid distractions, remain mindful of the conditions, etc. While newer safety features aren’t a substitute for any of those things, they can be an excellent supplement to good driving habits.

So when you’re shopping for a new (or new-to-you) car, look for vehicles that have the following options recommended by the NHTSA. They might even help you save on your insurance!

Forward collision warning: These sensors in the front of the vehicle will warn you of an impending collision, giving you a chance to brake or steer clear.

Automatic emergency braking: Working with forward collision warning sensors, this will automatically apply the brakes to avoid a collision.

Lane-departure warning: This uses cameras to keep track of your car’s position on the roadway; if you begin to drift from your lane unintentionally, an alarm notifies you.

Backup camera: These cameras, which are becoming standard equipment in more vehicles, automatically activate when the car shifts into reverse, giving you a view behind the car.

Electronic stability control: This is now standard on models 2012 and later, but if you’re purchasing a used car, consider one that offers this feature. It helps you keep control in slippery conditions and on curves — according to the NHTSA, it reduces the risk of a fatal single-vehicle crash by about 50% and the risk of a fatal rollover by 80%.

Other features that may be available, depending on the make and model of car you choose:
  • Automatic crash notification: Notifies emergency responders in the event of a crash.
  • Lane-keeping support: Steers your vehicle back into the lane if you begin to drift.
  • Pedestrian automatic emergency braking: Alerts you if a pedestrian is in your path and automatically applies the brakes.
  • Blind-spot detection: Illuminates when another vehicle is in your blind spot on either side of the car.
  • Adaptive headlights: These headlights actually shift as you take curves and turns to help you see better.

Finally, don’t forget things that have little to do with technology, but still have a big impact on safety — such as the car’s size and weight, structure and restraint systems, and its NHTSA safety rating. To look up the cars you’re considering, visit Safercar Safety Ratings.

Reposted with permission from the original author, Safeco Insurance®.
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summer driving tips

6/20/2019

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​As crowds swell at the beach, in parks, and even on roadways, it all makes for some challenging driving conditions. More people are out and about, whether on foot, bike, or skateboard, or by car, motorcycle, or RV, increasing the risk of an accident. And, the summer heat isn’t exactly kind to your vehicle.

Still, there’s no stopping the allure of a summer drive. To help keep yours safe, keep your attention on the road and on your surroundings, as well as on these safety tips.

Summertime Safety Behind the Wheel
Just like winter, summer has its own set of seasonal hazards that require your complete attention as a driver. Here are some to be particularly mindful of:
  • People: In your neighborhood, on city streets, in parking lots, and especially around parks, beaches, or any popular summer attraction, people are outdoors and often more focused on their enjoyment than on personal safety. Children are out of school and they might be playing in the street in a quiet neighborhood or chasing a basketball bouncing away from a driveway hoop. In summer, there is simply more human activity everywhere, and it’s up to you to slow down and stay alert.
  • Bikes and motorcycles: Bicyclists and motorcyclists are also more active in good weather. Pay attention and take extra care in areas that attract cyclists.
  • Glare: The sun’s glare is bright in summer, and even harsher when the sun is low and in your face. Have your sunglasses handy if you’re not already wearing them, and be ready to flip down the visor so you don’t spend even a second driving while blinded by the glare.
  • Roadway obstacles: A busy roadway is no place for a sofa. But, with scores of people completing summer moves, you might just encounter one. Keep an eye out for roadway obstacles and plan as far ahead as possible on how to safely maneuver around them. Thunderstorms and tropical storms can further clutter the roads with debris, tree limbs, or even downed power lines.
  • Heatstroke: Finally, don’t forget the dangers of summer parking. Children and pets left in parked cars are vulnerable to injury or even death from heatstroke. At an outside air temperature of 60 degrees, a car’s interior temperature can reach 110 degrees, which is a lethal level for children, according to the National Highway Traffic Safety Administration. Rolling down car windows does not provide sufficient cooling, so don’t be tempted to leave children or pets for even a minute. It can be lethal—and in many states illegal—to leave children and pets alone. To help keep your car cool for when you return, park in the shade or place a removable sunshade in the windshield.

Road Trip Safety
A road trip with family and friends can make a memorable summer for both the right and the wrong reasons. Make it the right reasons with some careful planning and driving. There will be plenty of time for fun once you reach the campground, resort, or cabin.
  • Inspect your ride: Have a mechanic give your car, bike, or RV a full inspection before you go. Be especially mindful of coolant and oil levels to help protect your engine, and remember that tires often deflate with significant temperature changes, such as during the transition from spring to summer. If you have a bike carrier, car carrier, or trailer attached to your vehicle, be sure everything’s secure before taking off.
  • Pack your emergency supplies: We know space is at a premium when packing for a summer road trip, but don’t neglect to include some important necessities in case of emergency. This includes water, food, maps, first aid supplies, a tire pressure gauge and tire change kit, a flashlight, towels, and jumper cables. Be sure to keep your phone charged and gas tank full in case of trouble. And, don’t forget plenty of games, books, snacks, and activities to keep the passengers distracted—and keep them from distracting you.
  • Plan your route: Map out how to reach your destination and how much time it will take to get there, and be sure to leave plenty of room for unexpected delays. Minimize those unexpected delays by checking the Department of Transportation websites of the states where you’ll be traveling for planned road work before you go.
  • Check your insurance coverage: Is your insurance ready to help out if you injure a pedestrian on your summer drive? What if you crash into a tree or run out of gas? If you’re not sure for what types of scenarios you’re covered, check in with us before heading out on your trip.
  • Take your time: Don’t get frustrated when unexpected delays—or fascinating roadside attractions—put you behind schedule. Keep to the speed limit, and don’t risk shortcuts that aren’t clearly marked. Take plenty of breaks to stretch your legs and rest your eyes while kids run off excess energy, and switch drivers when you’re drowsy.

There’s no better time to be on the road than when the sky’s clear and the sun’s shining. We wish you safe travels and a wonderful summer!
​

For more information, visit the Safeco blog.
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how to lower your auto insurance bill

5/9/2019

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​It’s easy to lower your insurance costs — especially if you have a great driving record, or don’t mind having higher deductibles.
​

Who doesn’t want to pay less for car insurance? Billions of dollars are spent on ad campaigns to convince you to “switch and save” — but the truth is, many people can find savings no matter who their insurance company is. According to the Insurance Information Institute and other experts, here’s how you can, too:
  1. Drive safely. Accidents, speeding violations, and other incidents on the road can put your safety at risk, of course. But they also can hit your wallet pretty hard, because some can cause your insurance premiums to skyrocket. On the flip side, many companies will give you a discount if you don’t have an accident or moving violation over a set amount of time — so not only will you not pay more than you should, you could pay less than you would otherwise.
  2. Make sure your coverage fits your life (and your car). If you can afford higher deductibles — that is, the amount you have to pay before your insurance kicks in — you can save significantly on your premiums. The Insurance Information Institute says raising your deductible from $200 to $500 could drop your overall cost by as much as 30%. You’ll also want to consider dropping collision or comprehensive coverage if your car is old and worth far less than it once was.
  3. Pay your bills on time. And not just the ones from your insurance company, either. Most carriers use credit information when they’re determining how much your coverage will cost, so it pays to have a good credit history. Other things that can impact your standing include your outstanding balances and how much available credit you have.
  4. Ask about discounts. There are all kinds of discounts available for drivers — including some you might not have realized. Do you own your home? You might save on your car insurance. Do you purchase your homeowners and auto policies from the same company? You’re probably already getting a discount for that. If you don’t drive much, you could be eligible for a low-mileage discount. The list goes on and on (literally), so we’ll help you get the savings you deserve!
  5. Shop around. This goes for cars and insurance policies! Your car has a big impact on how expensive your insurance will be, so if you’re buying a new one, be sure to do your research on how much it costs to repair that particular model, the likelihood of theft, etc. And when it comes to insurance, we can help you get quotes from a number of insurance companies — we’ll make it easy to weigh your options and find the right balance between coverage and cost.

For more information, visit Safeco Insurance®.
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Considering Joining a Car Sharing Service? Four Things You Should Know

4/18/2019

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Today, as car sharing has grown in popularity (well over a million people are members of various services in the U.S., according to the Transportation Sustainability Research Center (TSRC)), the number of options has grown, too.

You can borrow a company-owned car (think Zipcar or Car2Go) for a few hours at a time or for a daily rate, returning it to the spot where you picked it up or a drop-off area in a designated zone. You can even rent cars from other individuals—and rent your car to them.

There are benefits and drawbacks to car sharing—just as there are when driving your own car everywhere. But is sharing right for you? Here are four things you should consider before you get started.
​
  1. Car sharing can be a great way to save money and increase flexibility. According to AAA, in 2017 the annual cost of owning and operating a new car averaged nearly $8,500—and that doesn’t include payments for the cost of the car itself. Because car-sharing services allow you to pay only for the time you’re using a car (in addition to certain fees), the cost can be significantly lower. If you don’t need a car often, or if you occasionally need a second car, sharing might be a good choice.
  2. It can help the environment (and reduce traffic), too. In a five-city study, the TSRC found that users of one car-sharing service decreased their greenhouse-gas emissions by an average of 10%. The study also indicated that 28,000 fewer vehicles were on the roads in those cities, thanks to the company. If this trend leads to fewer cars being produced overall, that would carry its own environmental benefit—according to the European Commission, 20% of the climate damage caused by cars happens not during driving, but while they’re being built.
  3. If you’re thinking about peer-to-peer sharing, you need to check your state’s laws. Peer-to-peer renting has many benefits, and often includes a selection of interesting cars. But if you’re the one providing the car, participating in the network can create issues, depending on where you live. Some states have enacted regulations around peer-to-peer sharing, including a limit on how much revenue you can generate annually with your vehicle. The sharing program itself also needs to meet certain requirements.
  4. No matter what you choose, check your insurance coverage. Sharing your own vehicle in a peer-to-peer network in some states could put you at risk—even though these programs include insurance, it might not be enough to cover medical expenses and other costs in the event of a crash. Also, your insurance company might not renew your auto policy, or your premiums could increase significantly. Car-sharing programs that feature company-owned vehicles include insurance, too, but it might be wise to consider additional coverage. For example, your credit card might provide extra protection, and insurance companies have non-owner policies available as well.


There’s a lot to like about car sharing, but there’s a lot to think about, too. Don’t hit the road before you weigh the pros and cons—and make sure you’re protected.

For more information, check out SafeCo's website.

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5 winter weather preparedness tips

12/12/2018

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Here are 5 important auto insurance tips to consider ahead of this winter's major weather events.

1. Confirm your insurance is active and premiums are paid. Have a current copy of your insurance card in your vehicle or with you.

2. Select liability limits that are right for your financial circumstances. If you find yourself at-fault in an accident and have insufficient liability coverages, your personal assets are at risk for paying the remaining financial obligation.

3. If you rent a vehicle for a trip, check with your insurance agent to see if your policy includes coverage. Also, make sure you don’t duplicate benefits from your own policy if you decide to get rental insurance. A quick call to your agent should help determine that.

4. Verify that your homeowners or renters insurance covers the theft of personal items from your vehicle, especially if you are planning to haul more expensive items. Many people believe that vehicle insurance covers replacement of stolen items from their vehicles, but that usually is not the case.

5. Know if your policy includes roadside assistance, such as towing, fuel delivery, lockout service and jump-starts.

In addition to the insurance tips above, Department officials advise drivers to keep emergency kits in their vehicles, especially for long trips. A good kit should include a first-aid kit, batteries, flashlights, drinking water, snacks, jumper cables, ice scrapers, tissues and towels, a tow rope, extra clothing and blankets.
State officials also recommend checking in on family members ahead of dangerous winter weather events, and reassessing your immediate family’s insurance needs. Make sure that important insurance and legal papers are in a secure place that more than one person knows about. Assess personal insurance needs for yourself and your family. Needs for an older adult, for example, could be much different from those of a child or grandchild.

For more information, please visit PropertyCasualty360.
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Columbia
3020 Devine Street
Columbia, SC
​29205
803.799.9979
Summerville
204 N. Gum Street
Summerville, SC 29483
843.871.3950
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