10 Auto Insurance Tips that Could Help You Save

Did you know there is actually a way to save money on your insurance policy?

These 10 Auto Insurance Tips could help you save and keep more money in your pocket each month

Combine your insurance.

Insurance companies like California Casualty offer discounts when your home or renters insurance is combined with your auto insurance.

Increase your deductibles.

Sure, the amount you will pay will be a little more if something happens to your vehicle, but the amount you’ll save each month could add up to much more, especially if you are incident-free for a number of years. Just make sure you have an emergency fund to cover that higher deductible.

Check for good driver/good student discounts.

Speaking of incident-free, when’s the last time you had an accident or a moving violation. Most insurance companies will give you a good driver discount, but make sure you tell them. The same goes for students who get good grades.

Take a defensive driving course.

When’s the last time you refreshed your skills? You may qualify for a discount after showing proof that you have completed a safe driving program.

Check insurance costs when buying a new vehicle.

Many vehicles will cost you less; others will increase your premiums. It depends on numerous criteria from the power of the engine, its safety rating and the loss history of the vehicle.

Clean up your credit.

Many companies look at your credit score and how well you do in paying your bills. The better your credit score, the better rate you are likely to receive. Clean credit also helps when you want to buy a new car, rent or buy a home, etc.

Cut your driving.

Ride a bike, join a carpool or move closer to work. How many miles you drive each year can affect your rates; the less you drive, the greater the possible discount.

Pay your premium in full each year.

Not only can you get a discount but you will avoid monthly service charges.

Get a policy review.

Has your commute changed? Did you install a security device? Did you get married? All of these can lower your rates. Talking with your insurance advisor at least once a year is the best way to make sure you get the discounts you’re entitled to. Follow this insurance coverage checklist.

Compare your current insurance to California Casualty.

We are pretty certain that when you stop and compare benefits and prices, California Casualty will be right there with the best of them. Why? We are a 100-year-old, policyholder owned company that provides auto and home insurance to educators, firefighters, LEOs and nurses with exclusive benefits not available to the general public.

 

Related Articles:

Insurance Tips for Newlyweds

It’s Time for a Policy Review

4 Ways to Save with a Teen Driver

 

This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.

 

Steps to Take After Hitting a Deer

Collisions involving deer and elk spike across the United States from October through December, as the animals are continuously moving to seek new habitats to breed and forage for food. More than 1.5 million accidents involving deer take place every year in the U.S., causing over $1 billion in vehicle damage.

Accidents happen, even to the most vigilant driver, so if a deer jumps out in front of you, here’s what you can do.

Steps to Take After Hitting a Deer

  • Attempt to move your vehicle to the side of the road
  • Use your hazard lights
  • Call local law enforcement or the state patrol
  • Don’t approach or attempt to move an injured animal
  • Take photos of the crash, the damage to your vehicle, and the roadway where it occurred
  • Fill out an accident report
  • Contact your California Casualty agent as soon as possible at 1.800.800.9410

Deer can be found in many different landscapes and are on the move from dusk until dawn. So much so, there is no real way to avoid them. However, you can reduce your chances of hitting a deer by following these steps:

  • Don’t drive distracted
  • Don’t speed, especially in rural/wooded areas
  • Use high beams at night when there is no oncoming traffic
  • Continuously scan the road for movement on the sides
  • Pay attention to wildlife warning signs
  • Honk your horn if you see a deer, to scare them away from the road (they often travel together)
  • If a deer runs out in front of you, hit your breaks immediately, do not swerve

In the event of an accident, make sure you have the correct coverage, call a representative today to review your policy.

This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.

Drowsy Driving – As Dangerous as Distracted Driving – Even for Educators

Drowsy Driving – As Dangerous as Distracted Driving – Even for Educators

Most of us would never drive after drinking or pull our phone out and scroll through social media while behind the wheel, but if you’ve ever been jolted awake as your car hit the rumble strip on the side of the road or you fell asleep at a stoplight, you were engaged in as dangerous a situation as driving while impaired or distracted. It’s important that all of us understand the implications of drowsy driving as we observe Drowsy Driving Prevention Week in November.

Drowsy driving is now listed as one of the National Highway Traffic Safety Administration’s top public safety dangers behind the wheel along with drugged, drunken and distracted driving. The National Sleep Foundation has concluded that anyone who has slept less than two hours in a 24 hour period is too sleep-deprived to operate a vehicle.

Here’s why; drowsy driving is estimated to cause the following each year:

  328,000 crashes in the U.S.
  6,400 highway deaths
•  $109 billion in costs, not counting property damage

Here are some other startling statistics:

  More than half of drowsy driving crashes involve drivers age 25 and younger
  Driving 18 hours without sleep is equal to .05 blood alcohol impairment
  As many as one-third of drivers admitted that they have fallen asleep while driving

If you’ve battled to keep awake behind the wheel, you know how dangerous it can be; much like drunk drivers, overtired drivers have proven to have:

•  Slower reaction times
•  Impaired judgment
•  Increased risk of risk-taking
•  More frequent blinking/eye closure
•  Deficits in cognitive performance
•  Memory impairment
•  Attention failure

Safety groups and the National Sleep Foundation urge you to pull over, stop and rest if you notice any of these warning signs:

•  Difficulty focusing
•  Frequent eye blinking
•  Daydreaming
•  Trouble recalling the last few miles or moments
•  Repeated yawning or rubbing your eyes
•  Trouble keeping your head up
•  Driving across lanes or hitting a shoulder rumble strip

And, if you are a teacher, you are not immune. In addition to the risks associated with drowsy driving, being sleep deprived could also be affecting your performance in the classroom. A Ball State University study found nearly a fourth of teachers said their classroom skills were significantly diminished and half admitted to missing work or making errors do to a serious lack of sleep. About 43 percent slept an average of six hours a night and 64 percent said they felt drowsy during the school day. Exacerbating the problem is that so many school personnel spend late nights grading papers and preparing lesson plans. The study also found that almost half of the respondents worked a second job to make ends meet.

Lack of sleep can lead to serious health issues. Those who get only six hours or less per night were more likely to have a depletion of performance with an increased risk of heart attack, stroke, diabetes, depression, and obesity.

So what can you do to get more sleep? Experts say good sleep hygiene is essential:

•  Try to get eight hours of sleep each night
•  Avoid napping during the day
•  Stop using stimulants such as caffeine, nicotine, and alcohol close to bedtime
•  Stay away from heavy meals close to bedtime
•  Get vigorous exercise during the day and try relaxing rituals such as yoga before bedtime
•  Keep the bedroom for sleep; remove the TV
•  Create a good sleep environment: eliminate excess noise and light and the temperature neither too hot or cold

Remember, getting a good night’s sleep and finding more time to relax can lead to a better classroom experience for you and your students, as well as reduce your risk of driving drowsy.

 

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This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.


				
					
5 Free Interactive Writing Websites For Your Students

5 Free Interactive Writing Websites For Your Students

Online writing tools can engage and assist students in the writing process. These 5 free, interactive websites will help students brainstorm, organize, write, edit, and revise. And the best part? They’re all free to use! interactive writing websites

Interactive Writing Websites

 

Engage your students in online literacy learning with these interactive tools that help them accomplish a variety of goals—from organizing their thoughts to learning about language—all while having fun.

 

Quill provides free writing and grammar activities for elementary, middle, and high school students.

 

Grammarly corrects hundreds of grammar, punctuation, and spelling mistakes. This is while also catching contextual errors, improving your vocabulary, and suggesting style improvements. Come for the best-in-class grammar checking, stay for the added polish that will keep your text clear, mistake-free, and effective.

 

At BoomWriter, the mission is to immerse students, teachers, parents and administrators in an interactive learning experience, both in and beyond the classroom. Students develop their creative writing skills and understanding of literary elements. They can apply, share, and assess vocabulary knowledge in a fun and interactive way. Plus, they have the ability to demonstrate their nonfiction writing skills in information and explanatory, argument/opinion, scientific, or narrative focused projects.

 

Look up words to find their meanings and associations with other words and concepts. Produce diagrams reminiscent of a neural net. Additionally, learn how words associate.

 

Just For Fun

Play Online! Create poems and share them with your friends!

 

Check out these fun writing games for kids. Enjoy a range of free activities, resources and practice exercises related to writing letters, stories, newspapers, debates, advertising and instructions. The games are perfect for challenging students who enjoy interactive learning online. Find a topic that suits you and improve your English by completing as many of the educational challenges as you can.

 

Our Education Blogger is a public school teacher with over a decade of experience. She’s an active NEA member and enjoys writing about her experiences in the classroom.

 

This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.

 

A Safe Halloween is a Happy Halloween

A Safe Halloween is a Happy Halloween

Halloween is almost here and that means little superheroes, princesses, and ghosts will soon be roaming the streets in search of their favorite sugary treats. Halloween safety

As you spend time planning, decorating and carving pumpkins, remember that a safe Halloween is a Happy Halloween. Whether you’re headed out with the trick-or-treaters or manning the door to pass out candy at home, here are some Halloween safety tips to keep in mind:

 

Trick-or-Treating with Children:

  1. Make sure all swords or similar costume accessories are soft, short, and flexible
  2. Never let children trick-or-treat alone
  3. Map out a safe route with your kids
  4. Set a designated time for them to return home or check-in with you
  5. Fasten reflective tape to costumes and bags to help drivers see trick-or-treaters
  6. Attach your child’s name, address, and phone number somewhere inside their costume
  7. Try to walk on the sidewalks as much as possible.
  8. Carry a flashlight with you—and give one to each child–to help you and others see
  9. Check to make sure kids are wearing well-fitted masks (or better yet- face paint!), costumes, and shoes to avoid tripping or blocking your vision
  10. Check over treats before letting kids start eating them- check to make sure they are still commercially wrapped and not tampered with and that they do not present a choking hazard
  11. Always test make-up in a small area first to check for allergies before applying it to large areas like the face. Be sure to remove all makeup before bedtime to prevent skin and eye irritation
  12. Remind kids:
    • Walk from house to house, never run
    • Enter homes only if you are with a trusted adult
    • Only visit well-lit homes
    • Look both ways before crossing the street
    • Never accept rides from strangers
    • Never walk near lit candles or luminaries

 

Prepare Your Home for Trick-or-Treaters:

  1. Make sure the outside areas of your home is well-lit and free of obstacles
  2. Be sure to turn on all your exterior lights
  3. Keep candle-lit jack-o-lanterns and luminaries away from doorsteps, walkways, landings, and curtains. Use battery-operated candles in any outdoor or child-accessible decorations
  4. Keep pets away from the door so they don’t scare—or get scared by—trick-or-treaters
  5. Report any suspicious or criminal activity to your local police department or sheriff’s office
  6. Make sure you do not pass out candy that is a choking hazard to younger children

Have a safe and spooky Halloween!

 

This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or visit www.calcas.com.

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