Night Driving Dangers

A little extra caution can go a long way while driving at night

 

Summer has ended, and while fall and winter have their own pleasures — longer nights mean increased danger on the roads.

 

You might think you drive just as well at night, but consider this: Even though nighttime driving accounts for just 23% of vehicle miles traveled, more than 50% of fatalities for vehicle occupants 16 and older occur between 6 p.m. and 6 a.m., according to the National Safety Commission (NSC).

 

Because we’re big advocates for safety at Atlass Insurance Group, we thought it would be helpful to take a look at why night driving is more dangerous, and what you can do to decrease that danger.

 

What’s dangerous about night driving?

  1. Decreased vision. We won’t go into all the biological details, but different parts of the eye (such as iris, pupil and retina) work differently at night. Your peripheral vision is actually slightly improved, but it’s more difficult to focus on objects ahead of you. And traveling between well-lit areas and darker roads creates issues as well.
  2. Driving too fast for your headlights. Depending on vehicle speed and headlight setting, many people “over-drive” their headlights. That means, by the time they see something on the road, it’s too late to stop in time to avoid it.
  3. Impaired judgment. Whether due to drowsiness or the use of alcohol or drugs, it appears that drivers at night often don’t use good judgment. According to the NSC, 66% of fatalities at night involve vehicle occupants who weren’t wearing seat belts. 

 

So what do you do?

Sometimes, there’s no way around driving at night. So here are some tips to help you make a safe trip — whether you’re just running to the store, or you’re headed all the way to movies.

 

  1. Make sure your vehicle’s lights are in good working condition. And not just headlights, but turn signals, taillights, etc.
  2. Avoid speeding. Leave a bigger cushion between you and other cars than you would during daylight hours. Leave yourself more time for the trip.
  3. Be more aware of your surroundings. You shouldn’t be using your phone, messing around with the radio or trying to find something on the floor while you’re on the road anyway — and distractions are even more deadly at night.

 

Of course, if you’re not comfortable driving at night, the best thing is to avoid it altogether if possible. There’s nothing wrong with asking for a ride from a trusted safe driver or waiting for the sun to come out!

 

We’re open all day!

When you’re driving around during the day, stop in to Atlass Insurance Group for a review of your coverage. We won’t keep you after dark, we promise. Just give us a call at 800-959-3313. We’re here to help!

Five Ways to Get your Car Stolen

Five sure-fire ways to get your car stolen

Most people would say their car is one of the most valuable assets they own — if not the most valuable. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy.

At Atlass Insurance Group, we don’t want you walking out your door to an empty driveway or leaving the local store only to find some broken glass left behind in your parking space. So take care to avoid these five mistakes.

  1. Leave your car running … and unattended. We know it can be chilly in the mornings, and who wants to wait in a cold car while it warms up? Well, a thief certainly won’t mind the chill — as he’s driving away in your car while you’re finishing that cup of coffee in your kitchen. If your car is running, you should be in it. Period. Even if you’re just running over to the ATM to get some cash or dropping off some mail.
  2. Keep a spare set of keys inside the car. Law enforcement agencies say this is a great way to turn a car prowler into a car thief. They’re already breaking into your car to get a phone, or a laptop, etc. What do you think they’re going to do when they find a set of keys? They’re not going to drop them off on your porch with a nice note, that’s for sure.
  3. Put valuables in plain sight. Seems simple, but we’ve all made this mistake. You’ll just be in the store for a second, after all, so who cares if you leave your smartphone on the front seat? Or items from your other errands in the back seat? Be smart — if you have to leave items in your car, put them in the trunk, or at least hide them as best you can. And do it before you get to your next destination.
  4. Leave your car unsecured. The best thieves can work wonders with a window that’s left open even just a crack. And even the worst thieves can steal a car that’s been left unlocked, with no alarm set.
  5. Assume nobody would want to steal your car. Think your car is too old or too undesirable for a thief to bother? Scrap metal is worth money, so never assume that your car is safe — even if you think it’s just a “junker.”

Keeping thieves away helps to keep everyone’s insurance costs down, so avoiding these mistakes not only will save you hassle, it will save you money as well. So stay safe, not only on the roads, but in the parking lots as well!

Contact Us!

At Atlass Insurance Group, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 800-959-3313 or send us a note at agent@atlassinsurance.com. We want to help you meet your goals, and make sure what’s important to you is protected!

Content provided by Safeco Insurance

What Increases Auto Insurance Costs?

 Most people are asking I want low auto insurance rates, cheap car insurance- when they are doing everything on the road which increases their auto insurance rates. It is always good to approach things from all angles to get optimum results. Like stop doing things which increase the rates, and start doing things which would lower the rate. Yes, we will discuss the other approach of doing things to get low auto insurance rates- but let me tell you that what brings 80% results of cheap car insurance or lower auto insurance is :

Compare auto insurance quotes. Yes, you need to do this one thing over and over again to get optimum results again and again at each renewal and mid-term.

 

What increases auto insurance costs?

Lets see the details of what can increase your auto insurance costs.

Driving today can cost a lot, but there are some actions that will increase auto insurance costs. Getting the best deal on any insurance policy is important and you may invest plenty of time and effort to find that deal. You need to know what might end up costing you more money and making all of that effort pointless.

1. Filing claims – the more claims you have on your insurance policy then the higher your liability becomes. Insurance companies will adjust your premium costs to cover that added liability or they may end up just dropping you from coverage entirely. Keep in mind that a number of claims may also make it difficult to find new coverage.

2. Driving more – the number of miles that you put on your vehicle each year will have an effect on the amount you pay for your insurance. Companies know that the longer you are behind the wheel then the greater your chances for being involved in an accident.

3. Dropping other insurance policies with the company that holds your auto insurance – most companies offer a discount for having multiple policies through the same company. If you choose to change one policy then it can have an effect on any other policies that the company still maintains.

4. Moving to a new location – where you live can have one of the biggest impacts on your auto insurance costs. You may be able to offset the rise in a premium by investing in new security for your vehicle or finding a secured location to park the vehicle when it is not being driven. You will also need to be aware of the weather pattern in the new location. A bad weather history can mean higher potential costs for insuring your vehicle in your new community.

5. Changing jobs – some professions are just considered more risky than others. Insurance companies view your job or employment as an indicator of what type of driver you are likely to be. The more dangerous the job and the more of an adrenaline rush it causes then the more the insurance company suspects you will be an adrenaline driver.

6. Getting a new car – the newer the vehicle then the more it will likely cost to insure that vehicle. Choose a car that has more safety features and that ranks well on safety tests if you want to balance the higher cost of a premium for a newer car with the discounts the safety will afford.

7. Traffic violations – how you drive will determine how the insurance company will cover the driving that you are going to be doing. Moving violations (like speeding or driving distracted) can inflate the expense of insurance. Put your cellphone away when you are behind the wheel so that you are not even tempted to talk. Keep your eyes on the road and your mind on your driving. Keep your foot light on the gas pedal. Stay focused on the job at hand and you will be more likely to avoid getting a ticket that will cost in a fine and in the higher insurance premium that will come with it.

Little changes can add up to big expenses when it comes to auto insurance. Be aware of the actions that will increase your auto insurance to be sure that you keep the best premium rate possible.