Displaying items by tag: auto insurance

Be Back-to-School Ready - Teens Auto Insurance - Schaefer & Delauder Insurance Germantown and Frederick MDCan you believe that the lazy days of summer vacation are almost at an end? Soon we’ll all be back into the regimen of school days, homework and fall and winter activities. To be sure that your kids and, in fact, the entire household is prepared to get back into the groove, it is important to begin well in advance. A smooth transition will promise a successful school experience. Perhaps these tips will help your family to get prepared.

  • Moving to a stricter bedtime and wake-up schedule overnight would be difficult.  Try a more gradual approach for a better result.
  • Organization is the key to seeing that everyone is where they need to be at the right time.  This will be much easier if you begin by pulling together everyone’s schedule into a single calendar well ahead of the first day of school.  Start by entering all events that you already know about. Then, when school schedules arrive, you’ll be ready to add them to an organized calendar.  This way, you’ll be able to manage the household schedule efficiently.
  • Back-to-school shopping can be daunting.  If you start by making a complete list of clothing and supplies for each child as soon as possible, you’ll be ready to shop.  Consider online shopping as a time saver, but if you need to visit the stores, at least your list will help you to manage your time and effort.  Doing so as far in advance as possible will help you avoid the crowds and prevent the disappointment of finding items out-of-stock.
  • If your child will be new to school or attending a different school during this upcoming school year, then it will be important to familiarize them with it as much as possible in advance of their first official day.  Arrange a tour of the school and, if possible, an introduction to the teachers.  By taking a walk through the new campus, you can reduce your child’s apprehension and stress and thus better ensure their success during the school year.

Auto Insurance Tip for Teens

If you have teens in your family, you’ll want to remind them to keep their grades up since it will help with the cost of their auto insurance once they are of age to get their driver’s license.  To find out more about saving money on teen drivers, have a conversation with your insurance agent.  The sooner you get the details, the sooner you’ll be able to start guiding your teen to get prepared. 

We invite you to contact any of the experienced agents at Schaefer & Delauder Insurance either in Germantown  or Frederick, MD to discuss your insurance needs.  We can help you review your current insurance policy and explore your options to be sure you have the best coverage and protection to meet your needs.

Thursday, 02 August 2018 13:08

Prevent accidents in a road work zone - avoid auto insurance claims - Schaefer & Delauder Insurance - Germantown and Frederick MDWhether you’re a Road Warrior or just use your car for occasional errands, you are sure to run into road work zones while on the road.  When you encounter those frustrating delays and traffic jams, it’s hard to remain calm especially if you have a schedule to meet.  But driver impatience in a work zone setting can be most dangerous.  In fact, according to a study by the Federal Highway Administration in 2014, work zone vehicle accidents claimed 669 lives and some 30,500 non-fatal injuries.

However, coping with work zone traffic can be managed.  Doing so makes for a safer and less stressful environment for you and your fellow drivers as well as the highway workers who depend upon you to drive safely for their own protection. 

If at all possible, you’ll want to avoid a road work zone; but if you must enter such an area, try to follow these safety tips:

  • Don’t Get Distracted:  Driving through a work zone requires you to keep your eyes and attention on the road – not on the work being done or the people doing it. Avoid multitasking. This is also not the time to be using your phone for calls, texting or photo-taking.  
  • Stay aware: Anticipate changes in traffic flow or pace.  Be ready for unexpected lane changes, sudden stops, or workers entering the roadway. 
  • Avoid tailgating: Keeping up with traffic is advisable, but following too closely puts you at risk for a rear-end collision.  This advice applies whether you are following another vehicle or road work equipment. 
  • Follow the signals of flaggers: Flaggers are in place to help assure that traffic moves around and through the work zone as efficiently and safely as possible. 
  • Obey the posted work zone speed limit: The FHWA warns that over 30% of fatal accidents in work zones result from excessive speed.  Don’t be tempted to speed up just because you don’t see any work currently underway.
  • Check traffic reports in advance: Before starting your trip, check for traffic delays. You can actually receive real-time traffic information by using one of several highly-accurate smartphone apps available.
  • Allow extra time: If you anticipate a work zone delay along your route, then build in some additional time.  You’ll be less stressed.
  • If you can’t avoid, be patient: Remind yourself that the work being done will offer a better road when it is complete, and the workers are just doing their job.  Try to do some stress-managing breathing while you wait.

Auto Insurance Tip

No matter how cautious you are when driving, there is always a chance for an accident on the road.  Coping with the aftermath of a vehicle accident will be much less stressful if you know that you have the best auto insurance coverage for your circumstances.  It’s advisable to check with your insurance agent to explore your insurance policy choices well in advance of needing to file an auto insurance claim.

We invite you to contact any of the experienced agents at Schaefer & Delauder Insurance either in Germantown  or Frederick, MD to discuss your auto insurance needs.  We can help you review your current insurance policy and explore your options to be sure you have the best coverage and protection to meet your needs.

Tuesday, 10 July 2018 12:35

Happy New Year - Time to Review Your Insurance Coverage with Schaefer & Delauder InsuranceAs this year begins, it offers the perfect time to reflect on your life over the past 12 months – what worked for you and what didn’t. As you take stock of where you are, why not take the dawning of a new year as a prompt to check out your insurance policies and decide what should change.

Your insurance portfolio should always be a work in progress because, just as your life changes constantly, your insurance coverage must change to fit your circumstances. Whether it’s your auto insurance or the coverage on your home or maybe the amount of life insurance you carry, the new year is a good time to take a close look at what you have versus what you might now need.

Now you might be wondering  why do this and, in fact, how to go about evaluating your insurance.  The reason to do it is to be best prepared for whatever comes your way. As to how to do it: you might want to start by focusing on what you see as the worst that might happen to your vehicle, your home, your health/life. When you’ve come to terms with those scenarios, then decide what role your insurance portfolio needs to play should you  need to recover from a setback. Armed with that information, you will know what your insurance needs are; and then it’s time to schedule a visit with your insurance agent to review your current policies and discuss your options.

Read More below to see how to evaluate your insurance and what questions to ask...

Friday, 05 January 2018 13:37

In the Market for a New Vehicle in 2018?

If you’ll be purchasing a new car, truck or SUV this year, you might already have narrowed down your list of possibilities based on appearance, features and performance. But have you considered safety?

The Insurance Institute for Highway Safety (IIHS) and the Highway Loss Data Institute (HLDI) have just made it easier for you to know how your favorite makes and models measure up in terms of safety.  They have published their 2018 TOP SAFETY PICK+ list and their TOP SAFETY PICK list.  The difference lies mostly in the performance of their headlights and their degree of passenger-side protection.


Did your vehicle pass the test? Read More below to find out...

Monday, 22 January 2018 12:36


Planning a road trip? Be sure to check your auto insurance policy before you go.If yours is like many families, you look forward to summer vacation road trips.  When you take to the road, you’ll need to do a little preparation especially if you’re including small children.   Taking some precautions with your vehicle, packing properly and remembering to check your auto insurance policy will help make each road trip an adventure to remember for you and your passengers.  We've offered here a short checklist of things to help you avoid being stranded during your trip as well as some things to consider if you will be sharing the driving or using a car other than your own.

Wednesday, 10 May 2017 18:44

car-tire-splashing-in-waterThere has been much discussion about whether it is safe to use your car's cruise control when driving in the rain, and some experts might not think there is any danger in it.  But perhaps it's better to err on the side of caution than to be filing an auto insurance claim after an accident has occurred.

In fact, the National Safety Commission recommends that drivers only use cruise control to set a regulated speed at the posted limit when driving on dry roads for a couple of very good reasons.

  • During the period just after rain begins to fall when a light sheen of water is standing on the surface, the road is at its most dangerous. This is because recently-accumulated oil, grease and dirt rise into a layer on top of the water causing very slippery conditions. As rain continues, the residue is washed away and road conditions improve.
  • Roads are equally as dangerous during heavy rain but for a different reason. Heavy rain causes standing water on the road which can become deep enough to prevent the tires from squeezing the water through the tread fast enough. When this happens, the tires lose their grip on the road and slide  across the water like water skis. This creates "hydroplaning" which can actually start at speeds as low as 35 mph. Of course, it becomes especially dangerous when speeds exceed 55 mph.
Wednesday, 18 January 2017 14:23

blog older car

If you are driving an older car by choice, then you probably already know that you’re not alone. In 2007, Americans were keeping their cars for over nine years before replacing them. Moreover, newer research shows that the average age of the almost 2.5 million cars on the road exceeded 11 years in 2014; and that figure is expected to inch closer to 12 years during the next four years. Why is this so?

Wednesday, 15 March 2017 14:06