How to drive safe during the winter season – tips and info

Maintenance

1) Clean off your car (don’t forget the roof, lights, and hood.)

2) Check the following things periodically

• Ignition system
• Fuel system
• Belts
• Hoses
• Fluid levels
• Brakes
• Exhaust system
• Wiper blades
• Defroster
• Antifreeze
• Cooling system
• Battery
• Lights
• Tire tread and pressure

3) Keep your gas above half tank-

-Try and keep your gas at full tank to avoid gas line freezing

4) When checking your tires and treads

-Make sure there is 1/8 inch tire tread & that they’re properly inflated.
-A good idea is to get snow tired or chains for traction.

Be Prepared

1) Keep the following winter supplies-

• Jumper Cables
• Multiple Blankets
• Snow Shovel & scraper
• Flashlight with extra batteries
• Extra Clothing
• High Calorie/non-perishable food (ex: canned nuts, dried fruits, hard candy)
• First aid kit
• Sand or strips of carpet (for traction)
• Tow Rope
• Cell Phone
• A jack, lug wrench, and spare tire

2) Check conditions & weather information before going out

-If the roads are bad, decide if it’s really worth the risk of leaving.
-Only drive when absolutely necessary.

3) Tell someone where you’re going and when your expect to arrive.

4) Brakes – knowing the difference before you drive

-ABS (Automatic breaking system) – If you have this system you should hold the brakes with constant pressure and don’t pump them

-Standard Brakes – If your car isn’t equipped with ABS brakes then you should pump them instead of using constant pressure.

(You’ll find which type you have simply by looking in your driver’s manual.)

Driving safely

• You should always wear it, but make sure you put on a seat belt.
• Reduce your speed
• Speed limit signs are for dry pavement conditions
• Leave plenty of room for stopping
• Brake early, slowly, and smoothly (no sudden stops)
• Leave plenty of room between you and the car ahead of you (8-10 second distance)
• Think ahead while driving. (Slow down early) if you know there’s a big turn ahead
• Don’t use cruise control
• You need control when you lose traction.

1) If you rear wheels skid-

1. Take your foot off the gas
2. Steer where you want the front wheels to go
   -Sliding right – steer right
   -Sliding left – steer left
3. Either pump or apply constant pressure to your brakes (depending on which type you have)(See earlier in article)

2) If your front wheels skid-

1. Take your foot off the gas & shift to neutral, don’t try to steer immediately
2. As your wheels skid sideways the car will slow down & traction will return.
3. After you gain some traction steer in the direction you want to go in.
4. Then shift back into drive or release the clutch, and accelerate gently.

If you get stuck

1. Don’t spin your wheels (they will dig deeper)
2. Turn your wheels back and forth (to get snow out of your way)
3. Accelerate very slowly & gently (ease your way out)
4. Use a shovel to move snow away from your tires
5. Use the sand or carpet strips to get traction
6. Rock the car back and forth (check owners manual before trying this to see if damage would be done to your transmission.

If you become stranded

1. Call 911
2. Stay in your car and don’t leave unless necessary.
3. Only leave if you know where you are
4. Make yourself visible
   -Light flares in front and in back of your car a safe distance away
5. If the exhaust isn’t blocked run the engine in 10 minute intervals for heat. (Watch your gas level though)
6. Keep a window open slightly
   -Snow and ice could seal your vehicle shut.
7. Eat hard candy. This will keep your mouth moist.
8. Avoid overexertion (ex: from pushing your car)

If you’re in an accident

1. See if anyone’s injured
2. Call 911 if necessary
3. Move your car off the road if possible
4. Exchange:
   • Name
   • Address
   • Drive license number
   • Vehicle registration
   • Insurance Information

Insurance

Have good auto insurance in case your car is submissive to the winter weather -
You can save today, up to 70% off at FloreyInsurance.com across all of Pennsylvania
Don’t wait until it’s too late, get your free quote today.

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In this economy we are all trying to safe money, but sometimes it is to even save a dollar. There’s always something unexpected that comes up at the last minute. It can be just about anything, like a birthday gift for your son, oil change for you cars, gas, bills, etc. However, sometimes we do not take in consideration the appliances of the house. At any point in time, they can break down and it might cost you thousands of dollars to get them replace or even fix.

There is a solution to this problem!!!

With your homeowners policy, now every appliance in your house is covered. If your refrigerator breaks down, i’ll be fix, anything else is in your house relating to appliances can be fix. AND YOU’LL SAVE A LOT OF MONEY ON THE PROCESS.

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Car Insurance Myths

As with everything, there are common misconceptions with insurance. Car insurance especially. We’ll discuss just a few of the big ones, so in case you were wondering…after this, you won’t be.

#1 – Your credit score has no affect on your insurance rate.

Not true. It actually does come into play, and insurers to take it into consideration. When you’re first purchasing, changing or even adding new coverage.

#2 – If my friend borrows my car and gets in an accident, it’s their fault.

False again. It’s your car, so therefore it is your responsibility. Regardless of who was driving, you still run the risk of it going on YOUR record and YOUR premium going up. Though, there are loop holes. If the damage exceeds your limits your friends insurance could act as excess.

#3 – If I drive a red car, my insurance goes up…

How many times have you heard that the red sports car insurance is higher than the average? That may very well be true. But it wouldn’t be because of the color. Your rate is determined by many factors (year, model, make, engine size…etc) but color is not one of them.

#4 – I just paid my premium. So now my car is insured and I’m good to go!

True! Kinda…It’s required by most insurance companies that you notify them or an agent a few days after your purchase.

#5 – Even if I don’t have comprehensive, I’m still covered for wind, hail-stones, and theft.

Sorry, but no. Just because you have collision does not mean that you are covered. Collision is simply for driving accidents, anything more involved is covered under comprehensive.

Are your kids like this? Then you need to get Homeowner's Insurance

Some of our children like to play in the house, some enjoy breaking things in our house. Sometimes they go over board with the type of games they play. However, if your child plays like this one, you should considered getting a homeowner’s insurance. SAVING UP TO 70% ON YOU HOMEOWNER’S INSURANCE, Florey has help many family protect their assets, and Florey Insurance Agency would like to help you protect yours. Visit us at www.floreyinsurance.com or call us at 1800-231-3227 to get a FREE QUOTE