5 Safety Tools Your Should Never Drive Without

Most vehicles come with jumper cables for your battery and tools needed to change a spare tire. While you want to ensure that these are in the car, you also want to add a few things to keeping safe in case of an emergency or an accident. Many items can be added to make an emergency kit to keep in your vehicle. To get you started below is a list of five safety tools to keep in your vehicle: 

  • Car Escape Tool:  This small gadget has a blade designed to cut through seatbelts as well as a pointed tip end that will break through a car window. Carry this in the front of your car that is out of the way of everyday use but still within arms reach if you are in an accident.
  • Flashlight and Extra Batteries:  Whether you have to change a tire at night or look around at the area you may find yourself stranded in, having light is extremely helpful.
  • Bottled Water and Snacks:  If stranded, water and snacks such as trail mix, peanuts or granola bars can help retain your energy.
  • Duct Tape:  Duct tape can hold items, patch holes and serve as a skin bandage.  It’s small and compact but can serve a multitude of purposes.
  • Towels:  Towels can act as a blanket if cold, can be used for drying off if out in the rain and can serve as a traction device to put under a tire if stuck.

If you have had an accident or want to ensure that you have the level of vehicle insurance coverage that you need, call your Henderson Insurance Agency representative, serving Harrisburg, to get a quote and discuss the best coverage plans for your car.

 

How to Take Care of Your Friends Car?

So your friend has been kind enough to let you borrow their vehicle for a time. You need to treat the vehicle with respect and make sure you give it back in the same, if not better condition than when you first borrowed it. At Henderson Insurance Agency, we understand the importance of both taking care of your car and of friendship. It is why we want to make sure you take care of you friend’s car in Harrisburg or anywhere else you might be. 

Food and Drink

Make sure to ask your friend if this is alright. Some people simply don’t like food and beverages inside of the vehicle. If they are alright with it, make sure to clean it up and toss out the trash when you’re done. You should probably avoid anything messy to cut out the chance of spilling. 

Gas

Ask what kind of fuel your friend’s vehicle uses. Chances are, it is unleaded, although there are some other kinds of gas out there. A few do require diesel while a higher performance vehicle might require a premium fuel with higher octane level. Always return the vehicle back with a full tank of gas. There is nothing worse than climbing back into the vehicle, only to find the gas tank is empty. 

Wash the Car

A car wash is pretty quick and easy. You can run through an automatic car wash for a few bucks and it helps bring out the shine. It also shows you appreciate using the vehicle. It only takes a few minutes of your time and a few dollars out of your pocket, but it is greatly appreciated by your friend. It also will make it more likely they let you borrow the vehicle in the future. 

Washing Your Car Is More Than Just Keeping it Looking Clean

Washing your vehicle is a great way to maintain that showroom shine. However, keeping your vehicle washed is more than just showing off the paint job. There are more important benefits to washing the vehicle. At Henderson Insurance Agency, we want your vehicle to last as long as possible, which is why we recommend washing your vehicle. Removing the grit and grime of everyday driving in and around Harrisburg, PA is important for the look, but it is important for several other reasons as well. 

Avoid Rust

Living in Pennsylvania, you drive through snow, ice and the salt used to rid streets of both. All three of these materials deteriorate the metal of your vehicle faster than anything else on the road. The oxidation process of moisture and sodium breaks down the metal of not only the body panels but the underside of your vehicle as well. Once the vehicle starts to rust, you can’t turn back the clock. Permanent damage has already occurred. By washing your vehicle on a regular basis, you’ll avoid the development of rust. 

Prevent Sun Fading

In the summer months, extended, direct sunlight can cause damage to the appearance of your vehicle’s paint. This includes fading, washed out panels and even the eventual breakdown and removal of the paint altogether. By washing and waxing your vehicle, you help reflect harmful solar radiation. This in turn extends the life of your vehicle’s paint job, no matter the make or model. 

Avoid Corrosion

This takes place around the wheel wells of your vehicle. Wheels can start to deteriorate (especially higher-end aluminum wheels) while moisture and debris can collect on the interior of the well as well, which leaks to break issues, shock problems and again rust development in the hard to reach places. It is why washing your vehicle on a regular basis is a must. 

Safe Driving Habits You Might Not Know About

Like everything else in life, safe driving habits evolve with the change in technology and driving conditions. No matter when you took driver’s educational courses and received your license for the first time, recommended driving safety habits have likely changed. Due to this, there likely are a few tips you have never heard before. At Henderson Insurance Agency, we want to make sure you stay on top of the very best driving habits, so you, your family and the driver’s around you are always safe, no matter if you are around Harrisburg, PA or anywhere else in the world. 

How You Turn Matters

Stop and think about how you turn your wheel. Chances are it is just second nature to you. However, take notice the next time you are in your vehicle. Do you practice the old hand over hand technique? Maybe you palm the wheel with one hand. If you do one of these, you’re putting yourself in danger. As nearly all vehicles now come with a standard driver’s airbag, should your airbag deploy while in the midst of a turn, the impact of the airbag will force your hand away from the wheel, cutting off your control of the vehicle. It also may cause injury between your hand and your face. Instead, you want your turning direction hand to pull (right hand for turning right, left hand for turning left) and the opposite hand to push the wheel. This keeps the middle of the wheel free of obstructions. 

Don’t Brake in a Blowout

Your tire blows so naturally you’ll want to stop the car as quickly as possible. However, your car no longer has traction, which can sent you into a tailspin around the now limp tire. Instead, coast over to the side of the road. This ensure you remain in control over the vehicle. 

Safe Driving Tips For The Winter

The last thing you want over the winter is to get involved in an accident. There may be a lot of rough road conditions in Harrisburg, Pennsylvania. The good news is that there are some safe driving tips that you can put into place to keep you a little bit safer.

Don’t Tail Cars

It can take up to 10 times more length to stop a car in icy road conditions. If you tail a car, there’s a very good chance it’s going to end in a collision if they hit their brakes unexpectedly.

Look for Hazards

You should be on the lookout for hazards at all times. You never know what could be on the road – black ice, an animal, or even a broken-down car. If you’re on the alert, it can help to prevent a collision.

Install Snow Tires

Snow tires are made for snow and ice. They can provide you with the traction needed to keep you firmly planted on the roads. While they can be expensive, it is well worth the cost when you can enjoy greater peace of mind when driving on the roads of Harrisburg in the winter.

Be Prepared

You never know what can happen when on the roads. There may be more snow than you expected, or worse conditions on the road. Some supplies you should have in your car include:

  • Jumper cables
  • Shovel
  • Flashlight
  • Gloves
  • Hat/scarf

With these items, you can be sure to stay warm and address a problem more effectively.

Call and ask to speak to one of our agents at Henderson insurance Agency today. We look forward to helping you find quality coverage at a price that you can afford to keep you safer in the winter and the rest of the year.

 

 

 

It’s Time for Your Car’s Checkup

Autumn is here, and so is the checkup season. Children in Harrisburg, PA, need shots for school and physicals to participate in school sports, and both adults and children should get flu shots. Similarly, cars should be given a checkup to make sure they’re ready for the coming winter.

Your Car’s Checkup

If you own a car and have spent at least one year in Harrisburg, you know first-hand how rough Pennsylvania’s winters can be on automobiles. To make sure your car is up for the coming snow, ice and salt give it a comprehensive checkup. You should:

  • check its oil and fluids
  • check its tires and brakes
  • check its lights
  • check its insurance policy

The final item on this list, checking your car’s insurance, might not seem to fit. However, checking your insurance policy is just as important as getting your car tuned-up. Just as your car needs an inspection, it also needs to have the state’s minimum levels of insurance coverage. Also, just as you likely want to take care of maintenance items that aren’t included in an inspection, you probably want insurance coverages that go beyond Pennsylvania’s requirements.

Our Insurance Agents

At Henderson Insurance Agency, our agents can’t help you too much with automotive care. We can make sure your auto insurance policy meets your needs, though. We’ll be glad to explain the state’s minimum coverages and help you determine what other coverages you should have. Once you know what you want in an insurance policy, we can quickly find you an affordable one with those protections.

To contact our insurance agents, simply send us a message online. You can email us at any time, and we’ll respond as soon as we’re in the office.

 

Discounts On Auto Insurance For Harrisburg Students

When you live in Harrisburg, PA, you want to be sure that you can save on auto insurance. Policies may be more affordable than you think. Discounts are available as a student, and you will want to be sure you talk to an agent about all of the different discounts that you qualify for.

One of the first discounts you want to secure is that of the safe driver discount. If you have never been involved in an accident or have not received speeding tickets, your driving record is clean and therefore insurance companies are going to reward you for being safe on the road.

Another discount you want to consider is that of having good grades. This is typically having a GPA of 3.0 or higher, but it can vary from insurance company to company. If you can make the dean’s list or the honor roll, it may qualify you for even more discounts.

Yet another discount is for low mileage. If you are not on the roads for a large amount of time, insurance companies are going to view you as a lower risk. If you live on campus or nearby, you may not be spending a lot of time on the roads and therefore you may qualify for discounts.

Finally, you want to work on a discount for defensive driving. There are courses that you can take – and the courses last approximately 5 hours. This can be some of the best use of time if you can provide proof of taking the course. It is worth approximately a 10 percent discount from the insurance company if you can prove that you have completed the course.

At Henderson Insurance Agency we look forward to helping customers like you save money on car insurance. Call today and one of our agents will answer questions and search for quotes.

 

 

Drive Longer With These Tips To Extend Car Life

Whenever you buy a car, the goal should be to drive it longer. It’s not uncommon for cars to last way beyond the 100,000 mile mark these days. Technology is a wonderful thing, though there are tips that you can follow to extend the car life even further.

As you drive throughout Harrisburg and beyond, you want to make sure that you are not accelerating radically. Quick braking can also be a problem. Drive as smooth as you can down the road and you will be rewarded by better fuel consumption. You will also reduce the risk of having to change your brake pads sooner than they need to be.

Check the PSI within your tires on a weekly basis. As the weather changes, the tire pressure can change as well. Many people are driving around Pennsylvania with pressure that is lower than it should be – and this is when flat tires and other issues can occur.

Some of the other tips you can follow include:

  • Get an oil change as determined by your owner’s manual
  • Clear out excess weight in your trunk
  • Scheduled tune-ups as needed

Even running the A/C has an impact on your car and how you can extend the life. The air conditioning is powered by the engine and therefore if your A/C is running constantly, it’s going to have a negative impact on your engine. Performance is everything, so focus on ways you can turn the air conditioning off from time to time, such as parking in the shade.

The Henderson Insurance Agency is committed to helping you in all areas of your life. Having a comprehensive insurance policy in Harrisburg is important and we are ready to help. Call today and let us begin searching for quotes for you.

 

Driving Tips That Wake You Up!

Whether you are stuck in traffic or driving on a long road trip, you want to make sure you remain focused and alert the entire time. Driving while tired can be very dangerous to both you and other drivers on the road. Driving drowsy leads to over 100,000 accidents each year. In order to avoid driving while tired, here are some tips to help you drive in Harrisburg, PA. 

Stay Active
If you have a small snack available when driving, make sure to eat it slowly. The longer you can stay active, the more you will be able to stay awake. Eating your snack one bite at a time will help prolong how long you remain active eating. As always, you want to be careful eating while driving. Only eat if it is a small snack. Sunflower seeds are a great snack while driving and will keep you active while you maneuver the seeds in your mouth.

Stay Away From Sugar
Sugar can put you into a lull after you have consumed it. You want to avoid any sugar before and during your drive. Once the sugar is gone from your system, it can make you feel drowsy and tired. Chewing sugar-free gum is a great way to avoid sugar and still keep busy.

Sing Along
If you have a favorite CD in your car that you can sing along to, pop it in. This will keep you busy and focused. Make sure the song is not too soothing that it will put you to sleep. If you can move to the music, this will also help you stay awake. 

Put the Window Down
A cool breeze on your face can help keep you awake. If you feel yourself falling asleep, make sure to roll the window down or turn the air conditioner on. This will help keep you alert.

State minimums aren’t always the best choice for car insurance. To learn more about your insurance options, contact us at Henderson Insurance Agency. 

 

What You Need To Know About Garage Liability When Buying Auto Insurance

Garage liability is something you may need to explore when you are buying auto insurance in Harrisburg, PA. Garage insurance is designed if you own a car dealership or garage. It will help you to have liability involving claims that come from customers when their vehicle is damaged while on your property.

As you explore auto insurance and more specifically garage liability, you will want to look at both garage liability as well as garage operations.

Garage liability provides coverage for property damage and bodily injury as a result of operations of a covered vehicle. This is not a vehicle that is held in inventory, such as a car on a sales lot or a tow truck. Garage operations insurance provides coverage from garage operations that is other than that of ownership, usage, or maintenance.

It’s important that you have the right kind of insurance. If you’re not sure of what you need, one of our agents at Henderson Insurance Agency can walk you through the options. Many people assume that they only need auto insurance. However, you are actually looking for protection on vehicles that are owned by your customers, not by you.

For this reason, you need garage liability insurance. You may be driving a person’s vehicle to provide service. It may also become damaged while you are providing maintenance. When someone makes a claim against you, it is this coverage that will provide you with financial protection. Without it, you could spend a lot of money – and this could have a negative effect on the finances of your business, sometimes to the point of bankruptcy.

Learn more about garage liability in Harrisburg by calling one of our independent agents at Henderson Insurance Agency. We are standing by to answer your questions and can help you to find quotes from multiple insurance companies.