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Lessen Your Risk for a Car Crash & Avoid These Causes of Accidents

Avoid common causes of accidents so that you can stay safer on the road.

When it comes to your safety on the road, it’s important that you take the necessary precautions to drive safely. From investing in the right auto insurance to following all the rules of the road, you take all the right steps to protect you from a car crash. However, sometimes accidents happen. Check out these common causes of accidents so that you can learn how to avoid them. Here’s what you need to know.

Distracted Driving.

When it comes to your safety on the road, it’s important that you focus on the task at hand. When it comes to traffic accidents, distracted driving is often a main cause. From eating in the car to using your cell phone, ensure that you ignore distractions and focus on driving so that you can avoid any mishaps on the road.

Speeding.

Driving at high speed, reduces your ability to control your vehicle. In fact, speeding is a leading cause of car accidents. Help to lessen your risk for an accident by keeping speeds under control. Follow the posted speed limit so that you can drive safely.

Reckless Driving.

Zigzagging through lanes and tailgating are common causes of accidents. When on the road, it’s important to keep reckless driving under control. Keep your calm on the road and follow all the rules of the road so that you minimize your risk for an accident.

When it comes to your safety on the road, ensure that you have the necessary tools to protect yourself. When it comes to avoiding an accident, it’s important that you know how to take preventative action. Check out these tips and invest in the right auto insurance. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

Minimize Distractions on the Road with These Rules for Your Passengers

Learn how to reduce distractions on the road with these car rules for your passengers.

When it comes to your safety on the road, it’s important to keep distractions to a minimum. From talking on the phone to listening to music, reducing your distractions helps to protect you from an accident. However, it’s harder to manage distractions with passengers in the car. Establish rules for your passengers so that you can keep distractions under control. Here’s what you need to know.

Wear Your Seatbelt Always.

It’s imperative that you and your passengers wear your seatbelts when in the car. Seatbelts help to minimize injury in the event that you’re in an accident. Wear your seatbelts even if only traveling a short distance so that you and your passengers are well protected.

Limit Noise.

Too much noise in the car can be distracting. From loud conversations to turning up the music, your passengers can make a lot of noise. Help to keep noise to a minimum when you’re in the car, by asking your passengers to keep it down.

Don’t Turn on the Lights.

Nighttime driving takes lots of focus. With limited visibility, it’s important to use extra caution when on the road. Avoid any unnecessary distractions by having your passengers avoid using any lights in the car. Whether it’s tuning your car’s interior lights or using a flashlight, tell your passengers to keep lights to a minimum while in the car.

Keep Comments to Yourself.

Driving is stressful enough. Backseat drivers do not help make driving any less stressful. Establish a rule that your passengers mustn’t give unwarranted driving advice.

When it comes to your safety on the road, limit your distractions. Help to keep passengers from distracting you by establishing car rules for passengers. For added protection on the road, invest in the right auto insurance. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

Find the Right Auto Insurance by Asking These Questions

Learn which questions to ask so you can find the right auto insurance.

When it comes to your auto insurance, you have lots of options. From liability coverage to a comprehensive policy, you need a policy that best fits your needs. However, choosing the best policy can be difficult. Ask yourself the right questions so that you can pick the policy that best works with your lifestyle. Check out these questions.

Do you owe money on your car?

Whether you’re financing or leasing, if you owe money on your vehicle, it’s important that you have the right insurance coverage. If something were to happen to the car, the amount that would be paid to you through your regular insurance often would not match that of the amount that you owe on the car. You’re left paying the difference. Ensure that you have a policy with gap insurance so that you have the resources that you need to protect yourself financially.

Do you drive often?

There are various types of auto insurance policies. Some policies give you coverage based on the miles that you drive. If you drive quite a bit, opt for a traditional policy. However, if you drive seldom, then it’s beneficial to opt for a policy that determines your rates based on mileage.

Do you let anyone else drive your vehicle?

When it comes to insuring your vehicle, it’s important that all your household drivers are listed on your policy. That way if there’s an accident, they have the coverage that they need.

Do you drive for work?

If you drive for work purposes whether it’s to make deliveries or make meets across town, it’s important that you have the right commercial auto insurance. Your personal policy won’t give you the coverage that you need to protect you from any damages while you’re on the clock.

When it comes to your auto insurance, ensure that you’re getting the best coverage possible for your needs. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

Tips to Avoid and Be Wary of DIY Auto Repair Mistakes

Work on your car safely and avoid these common DIY mistakes.

Keeping your vehicle in tip-top shape is important. Routine maintenance and safe driving practices are a great way for you to keep your car in excellent condition. However, sometimes your car needs a little work. Taking your car to a garage can be expensive and working on your car yourself can help to save you money. However, when it comes to DIY car repairs, it’s important to use caution. Check out what you need to know about how to ensure that you repair your car safely.

Prepare Ahead of Time.

When it comes to repairing your car, it’s important that you have all the right tools before you start. Do a little homework before you start to take your car apart so that you have a better idea of what you’re doing. Plus, you can gather the right tools so that you don’t get stuck halfway through the project.

Buy Quality Parts.

When it comes to repairing your car yourself, you’re sure to save quite a bit of cash. While it may be tempting to buy the cheapest parts, think twice before you buy. It’s important that you invest in quality parts. Not only do you save money in the long run, but it’s also a matter of safety.

Make a Backup Plan.

When fixing your vehicle sometimes the repair doesn’t go to plan. Perhaps you’re missing a part, or you need a different tool. You need to determine how to get to the nearest store to pick up what you need. Ensure that you have a backup plan so that your repair job runs smoothly.

When it comes to your vehicle, it’s important that you have the tools that you need to fix your car properly. Avoid these DIY mistakes and invest in the right auto insurance. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

Road Trip Tips for Safe Thanksgiving Travel on the Road

Get ready for Thanksgiving travel with these road trip tips.

It’s turkey time! Thanksgiving is here and it is time to enjoy a meal full of turkey and mashed potatoes, cranberries and pumpkin with your loved ones. As you get ready to travel to see your loved ones, ensure that you’re ready for your road trip. Be prepared for one of the busiest travel days of the year with these Thanksgiving road trip tips.

Put Safety First.

Before you leave on your trip, make certain that your vehicle is safe and ready to go. Take it in to be serviced so that you can fix any mechanical issues, change the oil, and check your tire pressure before you’re on the road and hundreds of miles from home. That way you have the peace of mind that you’re getting to your destination safely.

Be Ready for Traffic.

Holiday time comes with plenty of traffic. Ensure that you’re ready for the long trip ahead by preparing ahead of time. Bring maps of your trip along with alternate routes so that you can try and avoid traffic. Additionally, it’s important that you pack accordingly. Bring plenty of water, snacks, and activities so that you can comfortably survive your journey.

Keep a Kit for Emergencies.

Despite all your efforts, sometimes accidents happen. While you can’t prevent accidents, you can be prepared for them. Assemble a kit with emergency supplies to keep in your car. Include roadside assistance information, jumper cables, flares, blankets, flashlights, and anything else you think you may need in the event of a roadside emergency.

When it comes to your holiday plans, ensure that you’re ready for your road trip. Check out these Thanksgiving road trip tips and invest in the right auto insurance. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

Car Accident Guide to Help You Handle an Accident

Know how to handle a car accident so that you’re well prepared.

When accidents happen, it’s imperative that you’re prepared. After an accident, you’re shaken up a bit, which can make it difficult think clearly. Get ready in advance so that you can take charge of the situation. Check out this guide to accidents so that you’re ready to handle anything the road throws at you.

Get to Safety.

After an accident, it’s best to pull over. Whether you pull off to the shoulder or into a nearby parking lot, when you move out of the way, you reduce your risk of getting hit again. Plus, moving off the road helps to regain a normal traffic flow.

Call for Help.

After an accident, the first thing you should do is to check to see if anyone is hurt. If anyone needs medical attention, call for an ambulance right away. The next order of business is to call the police. Even in minor accidents, it’s a good idea to have the police come to the scene. That way you have a moderator to help handle the accident as well as a documented accident report to submit with your insurance claim.

Exchange Information.

It’s vital that you exchange information after an accident. Swap contact information, driver’s license and plate information, car make and model, insurance information, and any pertinent information about the accident like location or the attending police officer. Also remember to take plenty of pictures of the accident.

File a Claim.

After an accident, call your insurance agency so that you can file a claim to have your damages repaired. Be prepared to answer questions and submit your accident report along with photos of the damage.

Know what to do when it comes to handling an accident. Protect yourself on the road with the right auto insurance. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

What to Do When Your Tire Pops on the Road

Learn how to deal with a popped tire on the road.

At one point or another, you’re bound to experience a little car trouble while on the road. From an overheated engine to a popped tire, there are lots of situations that you need to be prepared for while you’re driving. Be prepared for a blowout with these tips. Check out what you need to do so that you can change your tire safely.

Avoid Panic.

When a tire pops on the road, it’s accompanied by a loud explosion and a sudden pull in your vehicle. Your first reaction is likely to panic. However, it’s imperative to keep calm. The calmer you are the better able you are to spring into action and take control of the situation.

Regain Control.

When your tire pops, the car will pull in the direction of the popped wheel. Without the right procedure, you could wind up spinning or flipping over. Don’t slam on your brakes. Rather, keep your foot on the gas until your vehicle evens out. Once your car has stabilized, then you can start to slow down and pull over.

Be Visible.

When it comes to fixing your tires, it’s important to ensure that you’re visible so that you’re safe from oncoming traffic. Turn on your hazard light, open your trunk, pop your hood, and tie a brightly colored cloth to your vehicle. The better other cars can see you, the safer you’ll be when fixing your tires.

When it comes to your safety on the road, it’s best to be prepared. Know what to do when it comes to a popped tire on the road, and invest in auto insurance. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

Check Your Car's Fluids & Vehicle Maintenance

Stay up on your car maintenance and check these fluids.

Car maintenance can be stressful. With so many components, it can be difficult to keep track of what type of maintenance your car needs and when. However, a car that is properly maintained is a safe car. Plus, it will help to keep your car in great shape longer. As you check your tires to ensure that they’re in great shape, also check your car’s vital fluids. Pop the hood and check out these fluids to keep your car running smoothly.

Engine Oil.

When to Check it: Once a month.

When to Change it: Every six months or every 3,000 miles.

When it comes to your car, it’s essential to ensure that your car’s engine is working properly. Oil helps to keep your vehicle running properly. Once per month, make it a habit to check up on your car’s oil. If you’re running low, get it checked. If your car doesn’t have enough oil, you risk a serious disaster.

Transmission Fluid.

When to Check it: Once a month.

When to Change it: Every 50,000 to 100,000 miles.

Your transmission ensures that all your car’s gears are working properly. If it’s not properly calibrated, then you could face issues down the line. Check your car’s engine fluid at least once per month so that you can rest easy knowing that your transmission is ready to go. Look for odorless red fluid. If it’s brown or smells burnt, then it’s time to change the fluid.

Coolant.

When to Check it: Twice a year.

When to Change it: Every two to three years.

Coolant keeps your engine from overheating. Keep your car sufficiently cool and check that your coolant is in good shape. At least twice per year, check your coolant so that you know that your car is ready to go.

When it comes to your car, keep it safe with the proper maintenance. For added safety, invest in the right auto insurance. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

How to Choose the Right Auto Insurance Policy

Get enough auto insurance coverage and check out what you need to know.

Driving a car is dangerous; it can even be lethal. That’s why driving a car is a huge responsibility. If you get into an accident, you’re responsible for covering the damage. That’s where auto insurance comes in. It gives you the coverage that you need to protect yourself in the event of a crash. However, different policies offer different coverages. Learn about the various types of coverages so that you can rest easy knowing that your car is covered.

Liability:

When it comes to your auto insurance, you’re required by law to have at least basic liability coverage. This type of policy gives you the bare minimum so that if you do get into a car accident, you’re able to cover any property damage or injuries that you’re found at fault for. It will give you the protection you need to cover liability issues, however, keep in mind that it won’t help you to pay for your own car or medical bills.

Collisions:

If you want to increase your coverage a bit to cover damage to your own car, check out a collision policy. It will help to give you the coverage that you need so that you’re better able to fix your car in an accident. However, keep in mind that this type of policy only covers accidents that occur with another vehicle.

Non-Car Collisions:

Sometimes your car is damaged by something other than a car accident. Perhaps your car has been vandalized. Maybe your car has been damaged by a hail storm. No matter what type of damage caused, a comprehensive auto insurance policy is the best way to protect your car from non-collision based damage.

Other Vehicles on the Road:

You’re not the only driver on the road. Despite being a responsible car owner, other drivers on the road may not have the auto insurance they need to cover damages. If they’re short on their liability coverage, or don’t have coverage at all, you may be left footing the bill. Protect yourself with a noninsured policy.

Get the auto insurance coverage that you need. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

Check the Vehicle History Report Before Buying a Used Car

Find out what you need to know about vehicle history reports.

Congratulations! You’ve decided to buy a car. However, when buying a used car, there are certain precautions that need to be taken. Protect yourself from getting a faulty vehicle by asking to review the vehicle history report before you buy a car. These reports can give you valuable insight into whether or not buying such a car is a good deal. Check out what you need to know about vehicle history reports so that you can rest easy when you buy your used car.

What is a vehicle history report?

A vehicle history report is a document that gives you various information about a vehicle. It’s a safeguard to give you the vital information about the car so that you can make an informed decision before you decide to buy a vehicle.

What will a vehicle history report tell me?

A vehicle history report will give you all sorts of information about a car’s history. It includes information about the previous owners, what the odometer readings were, title history, accident history, “lemon” determination, mechanical information, and any other useful information about the car’s history to give you an idea of the car’s condition. While any information is useful, do keep in mind that sometimes the vehicle’s history report lacks information because it couldn’t be obtained.

Why do I need a vehicle history report?

You need to look at the vehicle history report before buying because it can give you clues as to whether or not you’re going to encounter issues down the line. The more informed you are about the history of the car, the better you’re able to make a decision about purchasing a used vehicle.

When it comes to buying your used car, review the history report and purchase auto insurance. For your insurance needs, contact the professionals at The Schwab Agency. Located in Colleyville, Texas, we serve all your insurance needs.