Safe Driving Tips

Safe Driving at all times is the best way to keep yourself and those around you safe on the road …

Safe Driving Tips

Safe Driving at all times is the best way to keep yourself and those around you safe on the road. In addition, having a perfect driving record can help you keep your insurance premiums low.

Johnson & Rohan Insurance offers the following Safe Driving Tips:

  • Do not talk on your cell phone while driving.
  • Do not text and drive.
  • Always turn on your headlights.
  • Obey the posted speed limit.
  • Stay focused on the road and minimize distractions.
  • Inexperienced drivers should keep passengers to a minimum.
  • Keep your vehicle in good condition.
  • Keep a safe distance behind other vehicles.
  • Be alert for other drivers who are tailgating, signaling inconsistently, turning abruptly, swerving and speeding.
  • Don’t be an aggressive driver.
  • Be aware of your surroundings and potentially dangerous situations.
  • Stay focused on driving and avoid distractions.
  • Never make assumptions about other drivers’ intentions.
  • Use your directional signals when you are going to turn, stop or change lanes.
  • Always try to brake smoothly and gradually; do not slam on your brakes.
  • Keep pace with the traffic around you.
  • Be on the lookout for animals at dusk and at dawn when they are most active.
  • Always adjust your speed for conditions, even if those around you do not.

A Special Note About Texting and Driving …

Texting and driving is perhaps the most dangerous form of distracted driving. Texting while driving places teens and adults alike—and others on the road with them—in serious danger. In fact, according to the National Highway Traffic Safety Administration, driver distraction causes 18% of all fatal auto crashes, and text messaging creates a crash risk 23 times worse than driving while not distracted.

Please feel free to forward these Safe Driver Tips to a friend.

Disappearing Deductible and Accident Forgiveness

If you have Accident Forgiveness, your insurance premium won’t increase because of an at-fault accident. This will save you thousands of dollars over the term of the surcharge …

Johnson & Rohan Insurance

There are two terrific endorsements that some insurance companies in Massachusetts offer: Disappearing Deductible and Accident Forgiveness.

Safety Insurance, for example, offers a nifty endorsement called the “Shield Plus” endorsement.

It’s only available if you’re a “99” or “98” driver (violation and accident free for at least 5 years) and costs $35 annually, per vehicle.

The endorsement includes:

  • -$500 Disappearing Collision Deductible Credit
  • Accident Forgiveness (If in an accident during the policy term, Safety Insurance will not apply additional accident surcharge points to your driving record!)
  • Air Bag Coverage
  • Personal Effects Coverage
  • Rental vehicle Loss of Income
  • Emergency Road Travel Expenses
  • Supplemental Towing & Labor
  • Extended Substitute Transportation
  • Seat Belt Coverage
  • Pet Coverage
  • Extended Substitute Transportation

Often we recommend this endorsement. If you presently carry a $500 Collision deductible, you can typically save between $100 – $400 annually by carrying a $1,000 Collision deductible.

The Safety Shield Plus endorsement, with it’s -$500 disappearing deductible feature, lowers the $1,000 deductible to $500.

Even better than the deductible is Accident Forgiveness.

If you have Accident Forgiveness, your insurance premium won’t increase because of an at-fault accident. This will save you thousands of dollars over the term of the surcharge.

Give us a call or click to find out more.

Thank you for insuring with Johnson & Rohan Insurance.