driving safety

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RV Ready: Spring maintenance for summer funAs winter thaws into spring blossoms, summer beckons with backyard cookouts and campfires under the stars. Like many people in New York, spring also means an overhaul of all the recreational toys and gear that make those summertime adventures comfortable, including the family camper. Here are some considerations when readying your RV for all the camping and travel expeditions ahead.
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Travel-Ready: 10 Things To Consider When Buying an AutomobileChoosing a new car is an exciting but potentially stressful endeavor. With so many options, plus some limiting factors such as budget and availability, it can be hard to know where to begin. Here are some of the top factors to consider when you're ready to purchase your next vehicle.
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The Most Common Holiday-Related Insurance ClaimsThe holiday season is upon us, meaning it's time to be jolly, gather with friends and family, and, hopefully, stay safe. But in addition to the things we're all wishing for, the holidays can bring some unwanted gifts in the form of accidents, damages, or injuries that might result in an insurance claim. So what are the most common holiday-related insurance claims and how can you avoid them? Read on to find out.
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Tires 101: Everything You Need to Know to Stay Safe on the RoadGood tires that are in good shape are critical to safe driving. Every driver should know a little bit about how to assess their tires and how to purchase new ones when they're needed.
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How to Buy a Used Car 101A used car can be a great investment and often makes much more sense than buying new. But one major downside is that you don't always know what you're getting. With just a little bit of knowledge, however, you can become a confident used car consumer.
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Top Reminders for Teen DriversIf there's one thing that research points out, it's that teens are, literally, the worst drivers. According to the CDC, motor vehicle crashes are a leading cause of death for teenagers, and the risk of motor vehicle crashes is higher among teens aged 16-19 than among any other age group. So while your teen is probably thrilled to be driving, and you're probably thrilled to not be driving them everywhere, it's important to continue teaching them how to stay safe and smart on the road. Luckily, teenagers are stubborn but still pretty impressionable. Here are the most important things you can instill in your brand new teenage driver, and guidelines to have them follow.
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10 Tips for Driving in a SnowstormEven if you're used to it, driving on ice and snow can be nerve-wracking even during clear skies. But when a storm rolls in, driving can get extremely scary, as well as dangerous. Whether you live in a climate that gets severe winter weather or are just traveling through one, here are some tips for safer driving in a storm:
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Bundle Up For Winter: Insurance Policies for Home, Recreation, Travel & MoreWe've all got plans for the holidays and winter season: trips to take, winter activities to try, and the everyday to-do lists that don't stop just because the cold weather has arrived. But difficult conditions have a way of causing plans to go awry or causing damage that we just didn't expect. Here are some of the extra insurance protections you should consider purchasing this season, in case things don't go exactly the way you planned.
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Top 10 Tips to Make Sure Your Car is Winter Ready In many areas of the U.S., freezing temperatures, icy roads, and stormy driving conditions are on their way. And while winter weather might be lovely to look at from inside a cozy house, it's not much fun to drive in. Make sure your automobile is up to the challenge by getting it winter ready.
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Car Recalls: Everything You Need to KnowEvery week there's a new recall in the news, and it seems that no auto retailer has gone unpunished for some minor or major manufacturing defect that has put its customers at risk. Problems and safety concerns have been discovered with everything from airbags to brakes to backup cameras, and sometimes entire vehicles have been recalled. Whether your vehicle is new or old, it's important that you know when a safety issue arises, and the steps you can take to get your car fixed. Here are some tips for keeping up on and dealing with recalls.
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Car Seat installation Tips and InspectionsIf you're a new parent, a car seat is one of the most important pieces of baby gear you'll purchase but it must be installed properly to be safe. Unfortunately, studies show that a large majority of parents make at least one mistake when installing a new car seat. But it doesn't have to be complicated, and there is help out there. Follow these guidelines for proper installation and to keep your child safe in the car from day one:
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Car Tires 101Good tires are essential for safe driving and a smooth ride. Regular tire maintenance is relatively simple and inexpensive, and can greatly extend the life of your tires. Here are the basic things you need to know to maintain your current tires or to purchase new ones.
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Live to Ride: Motorcycle Insurance and SafetyAlthough motorcycle enthusiasts in certain areas of the country are able to ride year round, spring and summer is when most bike owners are finally able to get out there on the open road. Before you take that first ride, make sure that your bike is up to the task and ready to go. Motorcycle maintenance and safety go hand-in-hand, and keeping your bike in great shape will ensure a great ride.
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Wearing a HelmetWhether you're on a bike, motorcycle, or an all-terrain-vehicle (ATV), you should always wear a helmet. Of course, not everyone does, and not every state requires it in all situations. Although many states have helmet laws, they can vary quite a bit. So why should you wear a helmet, even if it's not the law? There are several reasons, including the most important: It could save your life.
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Driving Safety: Tips & Tricks for Securing CargoIt's summer, which means that millions of Americans will soon start packing their cars to go camping, visit the beach or faraway relatives; or to take part in recreational activities like surfing or biking only to find that there's not enough room for all of their stuff. Fortunately, there are many ways to carry that extra gear or cargo on the roof of your vehicle but it's important that you do it safely. Here's all you need to know about securing your stuff before you hit the road.
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Safe Driving Tips, Part 2: All About FocusWe're all distracted these days. In every moment, there are dozens of things competing for our attention, and well, driving is no exception. Loud music, texting, or an unruly kid in the back seat can threaten to take our focus away from the road just long enough for an accident to happen.
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ATV InsuranceIt can be a thrilling experience to get out and experience nature in an off-road vehicle. But off-road vehicles can also be extremely dangerous, accounting for hundreds of deaths and thousands of injuries each year. If you're the owner of an ATV or UTV, it's important to be sure you're properly covered to protect yourself, others and your vehicle from loss or damage.
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Safe Driving TipsAccording to the National Safety Council, someone is killed in a car accident every 15 minutes, and many more are injured each day. Car accidents remain a leading cause of death in the U.S. year after year, and yet, reducing our risk on the road isn't something most of us think about once we've passed the exam and joined the ranks of everyday drivers. Here are some basics to review to make sure that you're doing your part to be a responsible driver, and to protect yourself and your community.
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Many parents rightly experience a strong anxiety when turning over the car keys to their new teen driver. There are a several things a parent can do to make sure that the teenage driving experience is a safe one. First, teenagers need to understand that driving is a privilege, not a right. With privileges come certain responsibilities. It is best to make those responsibilities and the consequences for not meeting them as clear as possible. One way to do that is with an actual contract between parents and teenagers built around the concept of graduated licensing and restrictions for high risk situations.
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The Effects of StressEveryone experiences stress and not all of it is bad. But when stress levels stay high or become chronic, they can cause a huge variety of health issues or make existing health problems worse. Overproduction of stress hormones can damage the brain, heart, and other organs and prevent cells from functioning normally. As the Mayo Clinic explains, chronic stress impacts the body, which impacts the mood, which can impact behavior. In this way, too much stress can impact our entire lives, affecting health, relationships and our quality of living on a day to day basis.
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Back-to-School Basics for College: How to PrepareFall in New York is fast approaching, and back-to-school sales are already underway, everywhere you look. If you're sending your teenager to college for his or her first year, you're going to need much more than just notebooks and pencils. Make sure your student is ready by following these guidelines.
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Wildlife & Car CollisionsThe Federal Highway Administration database claims that the total number of reported collisions in the U.S. are around 300,000 per year, with many more going unreported for various reasons. Colliding with an animal is a traumatizing experience for all involved, and it's important that every driver knows what to do when it does. Here are some tips to avoid hitting animals in the first place, and how you should handle it if you do.
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Spring is here, and summer is close behind. Time to start daydreaming about driving off into the sunset...
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How to Best Maintain your VehicleDoes your car really need checked out every year? Keeping up on your automobile's maintenance may seem complicated, but it doesn't have to be. In fact, learning a few basics and getting on a regular schedule will go a long way towards keeping your car in tip-top shape, and making sure you're not blindsided by major, expensive repairs.
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Unpredictable weather, at least in most parts of the country, is here. Suddenly, regular activities like driving and walking outdoors have become more hazardous. Whether you're going about your daily tasks, celebrating the holiday season, or taking part in fun winter activities, here's how to make sure you're safe and protected.
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Kathleen Hansen -

When it's time to store your boat for the winter, sit down with a member of the marina's staff and discuss what you can expect to have done. Most marinas are prepared to service your boat efficiently, but you are responsible for seeing that all work is done. Ask that they call you when the winterizing is complete.
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Categories: annual review, annuity, asset protection, atv, automotive, boat , boat and yacht insurance, boat insurance, bonds, business auto, business continuity, business insurance, business interruption, business management, business safety, car insurance, car safety, christmas, claim examples, college students, collision, community involvement, comprehensive, computer security, contractual liability, cyber security, deductible, disability insurance, disaster insurance, discounts, domestic employee, driving safety, earthquake, electricity, employee retention, employee safety, epli, family fun, family safety, finances, fire insurance, fire prevention, fireworks, floaters, flood, flood insurance, food safety, gun safety, health, health insurance, healthy living, hmo, holiday, home business, home insurance, home safety, hsa, identity, identity theft, immunization, inland marine, insurance, insurance claims, insurance cost, insurance credits, insurance exclusions, insurance history, insurance quiz, insurance records, internet, inventory, investments, jack and sara, joke, just for fun, lawsuits, liability insurance, life insurance, long term care, mental health, money, motorcycle, new york, ocean marine, online safety, outdoor safety, paid family leave, personal property, pet insurance, pets, planning, ppo, prevention, product liability, professional liability, retirement, risk management, safety, security, small business, smoking, spouse, spp, structured settlements, technology, teen drivers, term life, trailer safety, travel insurance, umbrella, umbrella policy, water damage, weather, weather safety, wedding, winter, winter storage, winterizing, work safety, workers compensation | View all Categories

Ah, freedom... if learning to drive is on the horizon for your teenager, he or she is probably thrilled about the prospect of getting to travel outside the confines of your schedule and neighborhood. You, on the other hand, might be thrilled about not having to drive them everywhere but the excitement ends there.
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Kathleen Hansen -

Dear Valued Client:

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Categories: annual review, annuity, asset protection, atv, automotive, boat and yacht insurance, boat insurance, bonds, business auto, business continuity, business insurance, business interruption, business management, business safety, car insurance, car safety, christmas, claim examples, college students, collision, community involvement, comprehensive, computer security, contractual liability, cyber security, deductible, disability insurance, disaster insurance, discounts, domestic employee, driving safety, earthquake, electricity, employee retention, employee safety, epli, family fun, family safety, finances, fire insurance, fire prevention, fireworks, floaters, flood, flood insurance, food safety, gun safety, health, health insurance, healthy living, hmo, holiday, home business, home insurance, home safety, hsa, identity, identity theft, immunization, inland marine, insurance, insurance claims, insurance cost, insurance credits, insurance exclusions, insurance history, insurance quiz, insurance records, internet, inventory, investments, jack and sara, joke, just for fun, lawsuits, liability insurance, life insurance, long term care, mental health, money, motorcycle, new york, ocean marine, online safety, outdoor safety, paid family leave, personal property, pet insurance, pets, planning, ppo, prevention, product liability, professional liability, retirement, risk management, safety, security, small business, smoking, spouse, spp, structured settlements, technology, teen drivers, term life, trailer safety, travel insurance, umbrella, umbrella policy, water damage, weather, weather safety, wedding, winter, work safety, workers compensation | View all Categories

They may be your own, or they're your grandkids or your friend' kids, but driving with kids is a task that should always be taken seriously. Having kids in the car can be quite distracting. Perhaps they are fighting in the back seat, or maybe one is asking you for a snack while the other has to make an urgent bathroom stop. Paying attention to the road and to the kids is a trying experience. Read these tips to find out how to keep your pint-sized passengers safe and sound, for any trip at any age.
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Kathleen Hansen -

A 5-Step Checklist for Financial Health in 2017

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Categories: annual review, annuity, asset protection, automotive, boat and yacht insurance, boat insurance, bonds, business auto, business continuity, business insurance, business interruption, business management, business safety, car insurance, car safety, christmas, claim examples, college students, collision, community involvement, comprehensive, computer security, contractual liability, cyber security, deductible, disability insurance, disaster insurance, discounts, domestic employee, driving safety, earthquake, electricity, employee retention, employee safety, epli, family fun, family safety, finances, fire insurance, fire prevention, fireworks, floaters, flood, flood insurance, food safety, gun safety, health, health insurance, healthy living, hmo, holiday, home business, home insurance, home safety, hsa, identity, identity theft, immunization, inland marine, insurance, insurance claims, insurance cost, insurance credits, insurance exclusions, insurance history, insurance quiz, insurance records, internet, inventory, investments, jack and sara, joke, just for fun, lawsuits, liability insurance, life insurance, long term care, mental health, money, motorcycle, ocean marine, online safety, outdoor safety, personal property, pet insurance, pets, planning, ppo, prevention, product liability, professional liability, retirement, risk management, safety, security, small business, smoking, spouse, spp, structured settlements, technology, teen drivers, term life, trailer safety, travel insurance, umbrella, umbrella policy, water damage, weather, weather safety, wedding, winter, work safety, workers compensation | View all Categories
Kathleen Hansen -

Before signing on the dotted line, it's important to know what exactly comes with the new house you're about to buy. In addition to that amazing kitchen, fabulous master bath and lush green backyard, could there be foundation issues? Or maybe a rotting roof in need of replacing? You may not be required to have a home inspection, but it is highly recommended and almost always worth the money. Help reduce your stress and take the guesswork out of potential issues by working with a qualified home inspector.
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Spring break is on the way and summer will follow soon after. If you're planning to take a road trip, long or short, make sure you and your vehicle are safe and ready to go by following these recommendations:
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Kathleen Hansen -

No matter what the climate is like where you live, keeping the temperature comfortableinside your car often means battling foggy windows. If you live in a climate with cold winters, staying warm in your chilly car means turning on the heater — and battling the resultant fog on the inside of your windows. In warm, humid areas, turning on the AC can cause the opposite issue — fog blurring your windows from the outside.
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Kathleen Hansen -

Falling snow can be picturesque, but it can also wreak havoc on the roads. While no one enjoys driving in snowy or slippery conditions, there are steps you can take to help improve your safety with these winter driving tips.

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Personal and commercial auto insurance is VERY important for everyday life. You never know when an accident can happen. Many people ask, "Do I have enough coverage?" or maybe they think, "I have too much auto coverage." Most consumers don't grasp what auto liability coverage is all about, so let us break it down for you. Auto liability covers you for two major items...

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Summer in New York is coming and with it is the opportunity to experience all kinds of warm-weather mishaps. Here are some common summer dangers and how to avoid them.
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There is no shortage of distractions in the modern world. Distracted driving has become a national issue, and many schools and public agencies are scrambling to raise awareness of the problem. The National Safety Council estimates that one in four car accidents involve cell phone use, but many people still believe that talking or texting while driving is harmless. Using electronics while driving is only one of the dangerous habits that have become all too common for today's drivers.
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Dangerous road conditions can occur any time of year, but winter is prime time for difficult driving in many Northern climates. Be prepared for whatever comes your way on the road by following these safe-driving suggestions:
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Most new parents would probably admit that their driving habits changed after having children. The one-time daredevil of the highway has transformed into a doting dad who never pushes the speedometer past a sluggish 65 mph; the lady lead foot who laughed in the faces of cops is now a minivan-loving, law abider who cruises so slow she would try the patience of a turtle.
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Executive Insurance & Financial Services -

Make Your Home Safer:
It is never a bad idea to make your home safer for you and your family.Installing a security system is the best way to improve the safety of your home, but even installing better doors, windows or locks could help lower your Home Insurance premiums.
Improve Your Credit:
Insurance companies often use credit information when setting your premiums, so by improving your credit you can improve your insurance rates at the same time.
Take Defensive Driving:
A Defensive Driving course could lower your insurance rate by as much as 10%.Defensive Driving courses can be taken online, at schools or even in our office.Call us for more information.
Quit Smoking:
Smoking increases your life insurance, disability and longterm care premiums.Most insurance companies require you to be tobacco free for 12 months before you can qualify as a non-smoker, but some companies offer incentives for quitting.
Stop Driving Distracted:
In NY State it is illegal to both hold your cell phone to your ear while talking and driving, or to text while driving, but recent studies have shown that even hands free talking will distract you while you drive.While you may not see an immediate return for safer driving, it will help prevent accidents and avoid traffic violations that will ultimately result in lower insurance rates.
Look Into Multi-Policy Discounts:
Saving money on your insurance is a great New Years resolution, and one of the best ways to do this might be a multi-policy discount.Buying several policies with the same insurance company could provide you with significant savings.Let us find out for you.Call us to learn more.(631)563-8433
The best way to lower your insurance rates is to let us find you the best prices.Whether your already a client or thinking of becoming one, EIFS will do everything we can to find you the best price.
Important Note: None of these resolutions are guaranteed to lower your insurance rates.Different companies have different policies and you may already have the best rate possible.EIFS can help you find out if these resolutions can work for you.Call us to learn more.(631)563-8433

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Executive Insurance and Financial Services -

“Why is my auto insurance rate so high?”

Did you know that you have some control over your auto insurance premiums?
Your driving record, vehicle type and even your credit history can all play a part in determining your auto insurance premiums.
This flier from EIFS and PIA will help you to make sense of your premiums:

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No matter where we live we all need to be aware of the extra precautions necessary to safe winter driving. Those of us living in climates where winter is non-existent or an infrequent visitor may need to take special heed. We don't get much practice driving on ice or in snow but business trips or vacations may require us to drive in foreign conditions. It's better to prepare ahead rather than rely on a crash course (sorry for the pun).
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As winter starts to set in most of us will be spending more time indoors. Now is a good time to review this checklist for safety, comfort, and savings.
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According to the National Highway Traffic Safety Administration, driver distractions are a contributing cause in approximately 25 percent of all motor vehicle crashes or about 1.2 million accidents. However, distractions can be hard to quantify, and the number of accidents due to driver distractions is difficult to define. What can further complicate matters is that there may be more than one distraction, such as texting while chastising a child in the backseat. Cell phones are considered one of the leading driver distractions. As a result, more communities are placing restrictions on drivers' use of cell phones. And more states are now passing laws banning the practice of texting while driving. The U.S. Congress is even considering a federal law related to this ban. The following tips are offered to motorists in regards to cell phone use in vehicles.
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Most everyone knows that regular oil changes prolong engine life and help avoid expensive repairs but how often should you really change your oil? Here's some information to help you set the right interval.
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Executive Insurance & Financial Services

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