Tag: savings

  • Tips to Help Keep Your Teen Driver Safe on the Road

    Tips to Help Keep Your Teen Driver Safe on the Road

    female driver looks out the car windowIt’s an exciting time in teens’ lives when they first begin driving, but it’s also an extraordinarily dangerous time. According to the National Highway Traffic Safety Administration (NHTSA), motor vehicle crashes are the leading cause of death for kids and young adults ages 14 through 18.

    Despite this, the NHTSA says just 25 percent of parents have a serious talk with their kids about the key components of safe driving. So, with National Teen Driver Safety Week coming up October 19-25, here are five recommended rules to spell out before your teen gets behind the wheel:

    1. Absolutely no alcohol.
      There is no legal limit for alcohol when it comes to teen drivers. Having any amount of alcohol in their system is illegal for all those under 21, everywhere. On average, according to the NHTSA, 25 percent of deaths in motor vehicle crashes involve a teen driver with a blood-alcohol content of .01 or higher.
    2. Seat belts required.
      Drivers and passengers ages 16 to 24 historically use seat belts less often than other groups. Let teens know that seat belt use is non-negotiable. It’s the easiest way to protect themselves in a crash. And, set a good example by buckling up yourself.
    3. Never speed.
      Teenagers may like to push the limits, but the road isn’t the place to do so. Speeding doesn’t simply put them at risk for a ticket. It increases the risk of a deadly accident as well.
    4. No calls, no texts.
      It’s never a good idea for anyone to call or text while driving, but, because teens lack experience behind the wheel, distracted driving is all the more risky. Reaction times are slower when someone is distracted. Even worse, sending or reading a text means a driver’s eyes aren’t on the road.
    5. Only one passenger (or zero, depending on your state’s licensing guidelines for young drivers).
      As the number of passengers rises, so does the risk of a fatal crash, the NHTSA says. Think back to when you were a teen driver — how different were your actions when you had friends in the car versus when you were alone?

    Let young drivers know that driving is a privilege and that you’ll take away the keys if they don’t drive safely. Having regular conversations about safety, practicing driving together, and leading by example go a long way in ensuring your teen makes smart decisions when they get behind the wheel.

    But there’s another simple step you can take to get on the same page about your family’s rules of the road. Create a Parent-Teen Driving Agreement that puts your rules in writing to clearly set expectations and limits. Work with your teen to outline hazards to avoid and consequences for breaking rules.

    Keep it on the fridge and update it as your teen gains experience and more driving privileges.

    Link to Parent / Teen Driving Agreement http://www.cdc.gov/parentsarethekey/pdf/patk_2014_teenparent_agreement_aap-a.pdf

    Contact Us!

    At Saks Insurance, LLC, 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 480-545-1144 or send us an e-mail to service@saksinsurance.com. We want to help you meet your goals, and make sure what’s important to you is protected!

  • Energy saving tips for summer

    Energy saving tips for summer

    Outlet

    Making your home energy efficient can help you trim hundreds of dollars off your utility bills this summer. Contrary to what you might assume, often all it takes are some simple and inexpensive measures to make a big difference.

    The best place to begin is with a home-energy audit. The goal should be to try and identify areas and systems in your home that may not be very energy efficient. For example, power outlets and gaps under baseboards, doors and windows can let cooled air escape from the house or let hot, humid air in. Similarly, a forced-air furnace with a clogged air filter has to work harder, and therefore consumes more energy, to heat or cool your house. Poor insulation in the ceiling, walls and attic can also drain energy from your home. Addressing such issues can almost immediately help you cut down substantially on energy consumption with relatively little effort and spending on your part.

    The U.S. Department of Energy recommends several other measures that you can take to trim your utility bills during the summer months. For example, setting your thermostat at 78 degrees F, or as high as comfortably possible, can help you trim your electricity bill substantially. The goal should be to have your thermostat at a setting where there is no big difference between the temperature outside and inside your home. Another way to save energy is to have your thermostat set to a warmer temperature when you are away and a cooler setting when you are at home. Programmable thermostats allow you to manage these settings automatically and with very little manual interaction.

    Ceiling fans offer another way to improve energy efficiency in your home. If you have central air conditioning in your home, a ceiling fan will allow you to set the thermostat four degrees higher than you normally would set it without sacrificing any comfort.  Similarly, you can also cut costs by not using your oven too frequently on hot day. Regular cleaning and maintenance of your cooling equipment are two other important considerations for cutting down on home energy costs this summer.

    To learn more about how you can save money this summer please contact the home insurance specialists at Hoey & Saks Insurance Agency in Mesa, Arizona.