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Distracted driving prevention tips for new drivers

Tue, 04 Jun 2024 13:23:18 GMT

Earning your driver's license is a milestone that comes with a vital responsibility: prioritizing safe driving habits.

As a new driver, understanding the seriousness of distractions while driving is the ultimate test. Even a split-second loss in focus can lead to severe consequences, including injuries, property damage, and fatalities. Distracted driving is a problem for all ages—but it's especially concerning for new drivers. According to the National Highway Traffic Safety Administration (NHTSA), 7% of fatal crashes in 2020 involved distracted drivers aged 15 to 20.*

This guide provides details and strategies to help you stay focused on the road.

Is texting the only danger?

Distracted driving extends far beyond texting or chatting on the phone—though doing so behind the wheel is like hurtling down the highway blindfolded. It encompasses any activity that diverts your attention from the road, whether it's adjusting the radio, grabbing a quick bite, or simply drifting off in thought. Our brain's ability to focus is limited , and attempting to multitask while driving is a recipe for danger.

While texting and driving may grab the spotlight as a top distraction—diverting your attention from critical tasks like steering—any activity that draws your eyes, hands, or mind away from the road presents a significant risk. Here are the three primary types of driving distractions:

Visual distractions: These momentarily take your eyes off the road. Examples include glancing at your phone, adjusting the radio, or looking at a passenger.
Manual distractions: These involve taking your hands off the wheel, affecting your control over the vehicle. Activities like handling food wrappers, adjusting music, or retrieving dropped items fall into this category.
Cognitive distractions: Even if your eyes and hands are in position, cognitive distractions divert your mind from driving. Engaging in deep conversations with passengers, daydreaming, or feeling stressed can be cognitive distractions.

To gain a deeper understanding of the real-life consequences of distracted driving, watch this powerful video about the Goeltz family, who lost their daughter to a distracted driver.

Distracted driving risks for new drivers

As a new driver, you face unique distractions. Learning to drive involves not only handling the mechanics of operating a vehicle but also staying aware of what’s happening around you. Your risks vary from those of a driver who’s had years on the road. Here are a few examples to put this into perspective:

Inherent distractions: Just driving itself can be distracting. Adapting to traffic flow, understanding road signs, and navigating unfamiliar routes demand mental focus.

Reaction time: New drivers might not react as quickly to unexpected events on the road. Lack of experience can lead to delayed responses, especially during critical moments.

Navigational challenges : Figuring out new roads, deciphering traffic patterns, and understanding complex intersections can divert your attention away from driving.

Stay focused: Five habits for safe driving

Safe driving is about more than just avoiding mistakes—it requires actively practicing positive habits that benefit everyone on the road. Here are five key actions you can practice to help enhance your focus and minimize distractions:

Reduce reliance on your phone

Your smartphone becomes a major risk when you get behind the wheel. Even seemingly harmless hands-free calls can divert your attention, especially during tricky discussions. According to the NHTSA, dialing a phone number while driving increases crash risk sixfold, and texting multiplies it by 23!* Use an app that blocks activity while driving or toss your phone in the glove box. If you must chat, pull over to a safe spot first.

Streamline in-car activities

Good planning before you drive can help you keep multitasking to a minimum. Set your navigation system and choose your favorite tunes before hitting the road. Also avoid using your drive time for sipping coffee, ordering takeout, munching on meals, or fixing your appearance in the rear-view mirror.

Limit passengers

NHTSA research shows having passengers in the car can significantly impact safety. Driving with a single passenger makes distractions two-and-a-half times more likely. Conversations, music, and other interactions can divert your attention from the road. If you have multiple passengers in the car, the distraction factor triples. Loud conversations, laughter, and disruptions can compromise your ability to drive safely.

Maintain situational awareness

Staying focused on the road and being aware of your surroundings is crucial. Actively watch other drivers and anticipate their moves. Avoid tunes that distract you from the road. A soothing playlist can enhance your drive without compromising safety. On long trips, take breaks, as fatigue can sneak up on you and affect your concentration.

Take advantage of technology

Turn on all the safety features newer cars offer, like lane departure warnings, blind-spot detection, interactive cruise control, and automatic emergency braking. These features are like having an extra set of eyes on the road. But remember, the most sophisticated tool for safe driving will always be your own concentration.

Know your state’s distracted driving laws

Distracted driving poses a serious risk for all drivers, especially new ones. While no state completely prohibits cellphone use while driving, many have implemented specific laws to combat this dangerous behavior. Here are some key points to consider from the Governor’s Highway Safety Association (GHSA):

Handheld cellphone use:
34 states have banned drivers from using handheld cellphones while driving.
This means you can’t hold your phone and talk or text while behind the wheel.
These laws are strict and can result in a ticket, even without any other traffic violations.

Novice drivers:
36 states have gone a step further by banning all cellphone use for novice drivers.
Novice drivers, often younger and less experienced, benefit from these laws, as they promote focused attention on driving safely.

Text messaging:
49 states have banned text messaging for all drivers.
Texting while driving diverts attention from the road, making it extremely dangerous.
Most states enforce this law strictly, meaning you can get a ticket just for texting.

Along with driving laws, car insurance requirements also vary by state.

Embrace safe driving for life

Getting behind the wheel is a privilege that comes with a responsibility to follow rules and drive safely. As a new driver, you’re beginning a life of experiences on the road—both positive and challenging. Dairyland® , a brand of the Sentry Insurance Group, is here to protect you on your journey. We offer more than just car insurance coverages. We provide resources and practical tips to empower you on the road. So, buckle up, stay focused, and embrace safe driving as a lifelong commitment.

Best gas mileage cars

Wed, 29 May 2024 13:23:45 GMT

We all know driving a car that gets good gas mileage is a great way to get more bang for your buck. But what counts as “good” gas mileage, anyway?

Because it’s such a subjective term—and it involves several factors—there’s no one-size-fits-all definition. For example, many gas-powered passenger cars exceed 35 miles per gallon (mpg), with hybrids regularly exceeding 50 mpg and electric vehicles (EVs) topping 100 mpg. Meanwhile, a standard truck may only get 25 mpg.

So compared to a hybrid, the truck gets poor gas mileage—but compared to other trucks, it may be the most fuel-efficient option.

Keep that in mind as you research fuel-efficient cars. Narrow your focus to the types of vehicles that make sense for your lifestyle, your budget, the weather in your area, and the amount of driving you do. From there, start looking into gas mileage.

Which older cars have the best gas mileage?

While the average cost of used vehicles has skyrocketed over the past few years, many of these cars—even makes and models that are 10+ years old—still provide good gas mileage.

The higher your budget, the more vehicles you can consider—especially when it comes to hybrids and EVs. But even if you’re looking for a relatively inexpensive used car, you should be able to find plenty of fuel-efficient options. Just keep in mind that older cars typically have more wear and tear, so be prepared for additional maintenance expenses.

Cheap used cars with good gas mileage

Fuel-efficient used cars under $15,000*

2015 Toyota Prius C**
2017 Toyota Corolla
2017 Chevrolet Bolt EV
2014 Acura ILX

Source: https://www.cars.com/articles/what-are-the-best-used-cars-for-15000-437803/

Fuel-efficient used cars under $10,000*

2012 Honda Fit
2012 Toyota Prius C
2013 Chevrolet Volt
2013 Honda Civic

Source: https://www.cars.com/articles/what-are-the-best-used-cars-for-10000-437833/

Fuel-efficient used cars under $5,000*

2007 Toyota Corolla

2007 Honda Civic

2010 Kia Soul

2009 Nissan Sentra

Source: https://www.kbb.com/best-cars/top-10-best-used-cars-under-5000/

Fuel-efficient new cars

Car and Driver ranked the following 10 cars based on a combination of fuel efficiency and ratings from the Environmental Protection Agency (EPA):

2024 Toyota Prius
2024 Hyundai Elantra
2024 Hyundai Sonata
2025 Toyota Camry Hybrid
2024 Toyota Corolla
2024 Honda Accord/Accord Hybrid
2024 Lexus ES
2025 Toyota Crown
2024 Mitsubishi Mirage/Mirage G4
2024 Honda Civic

Keep in mind this is only one publication’s list, and it’s also not a comprehensive list of the most fuel-efficient vehicles on the market. As you research new vehicles, consider additional factors, such as safety ratings, depreciation, and suitability for your lifestyle.

Are hybrid cars worth it?

Ultimately, that’s up to you. In many cases, hybrid vehicles cost more up front than their gas-only counterparts. So if money is tight at the time you’re shopping, that extra cost can be a significant hurdle. Plus, if you don’t drive that much, you may find the financial benefits of a hybrid’s fuel efficiency take years to balance out the higher upfront costs.

That said, if your lifestyle involves even an average amount of yearly driving —and you’re able to spend a little more at the time of purchase—a hybrid car can provide significant value.

The cheapest electric vehicles

New (and relatively new) EVs aren’t typically considered inexpensive—for example, the cheapest car on the list below has a starting price of $29,280. But if you find one that fits your budget and lifestyle, EVs and their 100+ mpg fuel efficiency can be excellent money-savers.

According to cars.com , here are the five cheapest electric vehicles, as of April 2024:

Nissan Leaf: $29,280 starting price
Mini Cooper SE Hardtop: $31,895 starting price
Hyundai Kona Electric: $34,050 starting price
Hyundai Ioniq 6: $38,650 starting price
Fisker Ocean: $38,999 starting price

Buying a used car

Fuel efficiency is just one of many considerations you need to make as you research new-to-you vehicles. Here are four must-read articles on that topic:

Tips for buying a used car

As you search for a used car, how do you narrow your search and buy the right one? With this step-by-step guide, we can help you through the process—from setting a budget to taking a test drive.

The best places to find a used car

There are pros and cons to buying a used car from a dealer, private seller, online retailer, or friend or family member. It comes down to your priorities, timeline, and budget. Here’s what you need to know.

The best times to buy a used car

Interested in buying a used car but not sure when to start? Check out our tips on the best times to buy a used car.

Understanding automotive safety ratings

Automotive safety ratings are a key factor to consider when buying a new or used car. They can help you identify the safest vehicles, which can help save you money on car insurance premiums.

Buying car insurance for your new vehicle

Getting a new (or new-to-you) vehicle is a great reason to review your policy and make sure it still works for you. After all, you’re required to carry car insurance for your vehicle—in 49 states , anyway—so you might as well take the time to get it right.

We’ve put together an in-depth article to help you buy car insurance for your new vehicle , which can help you answer some key questions, such as:

When should you add insurance to a new car?
What’s the minimum coverage available?
What factors impact insurance costs?

Improve your car’s gas mileage

If you’re not in the market for a new vehicle but still want to save money on fuel, there are plenty of ways to help improve your gas mileage with your current car, such as:

Keep your speed consistent
Know the type of fuel that works best for your car
Clean out your car
Maintain properly inflated tires
Use air conditioning sparingly
Avoid idling your vehicle when possible
Watch out for products that sound too good to be true

How to file an auto insurance claim

Wed, 15 May 2024 14:03:23 GMT

What is an auto insurance claim?

Car insurance claims are requests drivers make to an auto insurance company for monetary assistance after an accident or other incident causes damage or injuries.

What are the steps in filing a car insurance claim?

If you’re involved in an auto accident , take these immediate steps before contacting your insurance company:

Stay at the accident scene.
Get to a safe area off the roadway. If your vehicle is drivable, move it out of traffic.
Get help for anyone who is injured.
Call the police.
Collect the following information:

Names, phone numbers, insurance companies, and policy numbers of any other drivers involved.
Photos of all involved vehicles and/or property.

Once you've assessed your damages and decided you’re going to file a claim, it's best to file as soon as possible following the accident. Take the following key steps:

1) Contact your car insurance company

Contact your insurance agent and ask them what information they’ll need for your claim. Along with the information you collected in step #5 above, you’ll likely be asked to provide the following:

Accident location, date, and time
Weather conditions at the time of the accident
Police and/or accident reports
Whether you received medical attention on-site or afterward

2) Review your car insurance policy

Your claims representative will have access to this information, but the more familiar you are with your coverages, limits, and deductibles, the better. You’ll have a good idea of which coverages will likely apply, given the accident circumstances. This can also help you start planning for any out-of-pocket costs—both for applicable deductibles and if damages seem likely exceed your coverage limits.

3) Communicate with the claim adjuster

Once you've filed all the necessary paperwork, your insurance provider may send an adjuster to investigate and review your damages. When the adjuster corroborates your account and approves your claim, your insurance company will normally send you a check to help cover your insured losses.

The more accessible you are when they contact you—for follow-up questions, repair estimates, and other relevant topics—the more efficient the process will be.

4) Have your vehicle repaired

Assuming your vehicle isn’t determined to be a total loss , you can work with your insurance provider and an approved repair shop. Your claim adjuster will perform or facilitate a vehicle repair estimate. Depending on your insurer and other factors, they will issue a check for the repairs—minus your deductible—either to you or directly to the shop.

Sharing the road with bicyclists

Mon, 13 May 2024 14:30:07 GMT

If you’ve noticed more cyclists in recent years, it’s no coincidence. In 2020—the first year of the COVID-19 pandemic— American bicycle trips increased by 24% and increased by another 9% in 2021. Cycling’s increased popularity is most evident in urban areas like New York City, where daily biking volume doubled in the same period.

Cities worldwide are trying to implement urban bikeway plans to direct traffic and ensure cyclists can safely share the road with motorists. You may not live in a place where you’ll see an increase in cycling infrastructure, but some simple tips can help keep you and the cyclists in your community safe.

Give cyclists enough space when passing

Safe passing laws in the United States dictate the space you should give cyclists while passing them on the road. Most states enforce a 3-foot passing law. However, states like New Jersey and Pennsylvania have 4-foot passing laws and other states—including California , Kentucky , and Nevada —require motorists to change lanes when passing cyclists if they have an opportunity to do so.

Additionally, take these steps when passing a cyclist:

Slow down: Reducing your speed gives you more time to react to unexpected hazards.
Only pass when it’s safe: Make sure you have enough visibility, time, and roadway to safely pass.
Be patient: Don’t follow too closely while waiting for an opportunity to pass, and don’t honk or yell at a cyclist on the road.
Give enough space: When it’s safe to pass, give the bike at least the mandated space as you pass on the left, and make sure you can clearly see the cyclist in your rear-view mirror before returning to your lane.

Be mindful of bike lanes, and don’t park in them

Bike lanes are put in place to keep both cyclists and motorists safe. Make sure to practice defensive driving , especially in heavy traffic. As a general rule, you shouldn’t enter a bike lane while driving a vehicle, with limited exceptions.

For example, if you have to turn right and cross through a bike lane:

Check for cyclists by looking over your shoulder and clearing your blind spot.
Always use your turn signals to communicate your intentions.
When it’s safe to do so, execute your turn decisively. Don’t stop your vehicle in the bike lane.

Bike lanes are meant to remain clear for cyclists, which means driving, idling, or parking in them can get you a ticket, fine, or both. If a cyclist is forced to leave the bike lane to get around you, they could be struck by a car or cause an accident if another vehicle swerves to miss them.

Regardless of the fine, if your city has bike lanes, use proper road etiquette and respect the safety of those using them.

Use caution when opening car doors

Unfortunately, "dooring" accidents, where a cyclist crashes into a door that’s opened suddenly into a bike lane, aren’t uncommon. All it takes is a second for a cyclist to be injured and a motorist to be held legally liable.

To help mitigate this hazard, use the Dutch Reach method when you're parked and ready to exit your vehicle where cyclists ride. This safety method involves opening your door with the hand furthest from the door. When reaching with this hand, your body will naturally position itself so that you can see if anyone’s coming behind you.

Communicate with cyclists

Cyclists and motorists should know hand signals so everyone on the road can communicate effectively. However, you can also use eye contact. Many cyclists rely on eye contact to communicate with motorists, which must be reciprocated to keep everyone safe.

Also, don’t use your horn unless you’re warning cyclists. This action could startle a cyclist, causing them to misjudge a situation and resulting in a potential injury.

Know your blind spots

Be aware of blind spot areas you can't see in your rear or side mirrors. Glancing over your shoulder should be second nature, especially if you drive a truck or SUV. The biggest challenge is a lack of knowledge, as almost 50% of adults are unaware of where a truck's blind spot is or where cyclists should position themselves relative to larger vehicles.

Avoid distractions

Being distracted on the road, especially in heavy urban traffic, is dangerous for cyclists and motorists. However, cyclists often face a greater risk. Unfortunately, distracted driving causes 3,000+ deaths a year—and around 1 in 5 fatalities linked to distracted driving involves someone walking, riding their bike, or otherwise sharing the road with motorists.

Whether you’re texting, eating, or fiddling with your radio controls, you could be held liable for an accident, especially if there are damages or injuries.

What is rental reimbursement coverage?

Mon, 06 May 2024 08:38:11 GMT

Rental reimbursement is an optional coverage you can add to your auto or motorcycle insurance policy. It provides reimbursement—up to your covered limits—for the cost of renting a replacement vehicle while your insured car or bike is inoperable due to a covered incident.

At Dairyland®—a brand of the Sentry Insurance Group—we provide both auto rental reimbursement coverage and motorcycle rental reimbursement coverage .

How does rental reimbursement work?

Putting your rental reimbursement coverage into action is simple. Here's what to expect if you need to file a rental reimbursement claim after an accident:

If your vehicle is determined to be undriveable due to a covered loss, you’ll move on to the next step.

Your insurance company will authorize a rental period length based on the claim details, anticipated repair timeline, and your coverage limits.

You’ll rent a comparable vehicle from a licensed agency.

You’ll pay for the rental upfront when picking it up.

When your car or bike is out of the shop, simply return the rental and let your agent know. If the repairs are scheduled to take longer than the rental period you were authorized for, make sure to work with your insurance company ahead of time for an authorized extension.

Your insurer will reimburse your validated, authorized rental expenses directly to you, normally via check.

You’ll submit the rental receipts to your insurer for reimbursement (up to your limits).

Policies vary, so check details with your insurance provider. For example, some insurers authorize billing directly from the rental company, so you don’t have to pay out of pocket.

What does car insurance rental reimbursement cover?

It covers rental costs associated with any covered loss that leaves your car undriveable, and/or while your vehicle is being repaired.

What doesn’t rental reimbursement cover?

While valuable, rental reimbursement coverage does have some limitations:

Reimbursement coverage stops once your vehicle is repaired and drivable.

Most insurers set per-day and total-claim maximum reimbursement limits.

Upgrades to luxury vehicles above the size/class of your damaged vehicle are generally excluded.

Mileage limits for your rental may apply. Overage charges generally aren’t considered reimbursable.

Your insurers won’t reimburse rental costs related to non-covered losses.

Typically, your insurer will only pay for rentals when you’ve gained pre-approval from them first.

Why is rental reimbursement coverage valuable?

Depending on the specifics of your insurance policy, rental reimbursement coverage can:

Help you save on costly rental fees: Renting a vehicle can quickly become expensive these days, especially for lengthy repair periods. With this coverage, your insurance provider can help with your rental costs.

Cover several incident types: Depending on your policy details, your coverage can apply to a range of damaging incidents, such as an accident, weather damage, theft, or vandalism.

Pay for rental taxes and surcharges: Most rental reimbursement coverages reimburse the base rate plus applicable taxes, airport fees, underage renter charges, and other mandatory add-ons, up to your coverage limits.

Provide coverage for family members: Many policies extend reimbursement coverage to spouses, domestic partners, and children if they need a rental vehicle due to your vehicle being repaired.

Apply to rentals nationwide: Coverage generally applies no matter where the incident occurs within the U.S.

Getting the most from your rental reimbursement coverage

Purchasing rental reimbursement coverage

Compare rental reimbursement costs when shopping for insurance. Getting the most coverage at a price that fits your budget is important.

Ask about insurance discounts like multi-line, safe driver, anti-theft device, and new car replacement credits to offset the cost of adding rental reimbursement.

Using rental reimbursement after an accident

Review your policy details thoroughly so you understand exactly what is covered and the limits.

Ask your insurer what their recommended rental agencies are and if any offer direct billing to simplify payment.

Rent a vehicle of the same class and size as your own. Luxury upgrades likely won't be reimbursed.

Don't extend rentals past what’s reasonably needed for repairs, as insurers won't pay for excessive rental days.

Keep all rental receipts, documentation, claim numbers, and other paperwork.

Rental reimbursement frequently asked questions (FAQs)

Is rental car reimbursement included with car insurance?

No, rental reimbursement is an add-on coverage you must select and pay extra for. Standard car insurance and motorcycle insurance policies don’t automatically include rental reimbursement.

Is there a time limit for rental reimbursement?

Yes, there are total coverage limits (for example, $500 maximum) and daily limits (for example, $30/day). Reimbursement ends once your car is repaired or you reach your established limits.

What happens if the rental costs more than my daily limit?

You’ll be responsible for any rental costs that exceed your policy's daily or total claim limit. For example, if your limit is $30/day and the rental is $50/day, you’d have to cover the $20/day difference.

What happens if the rental costs more than my daily limit?

Dairyland rental reimbursement coverage

Has an accident left you without transportation? Our claims experts can handle everything from setting up your rental, approving claim periods, and processing reimbursement quickly and efficiently.

If you already have a Dairyland insurance policy and want to add rental reimbursement coverage, talk to your agent today or call us at 800-334-0090.

Preparing for lesser-known road hazards

Tue, 30 Apr 2024 08:38:11 GMT

According to the World Health Organization, nearly 1.2 million people worldwide suffer a fatal car crash each year* . In countries that rely heavily on cars for transportation like the United States, driving is so ingrained in our routine that it can be easy to forget the potential dangers.

When we talk about dangerous driving, weather-based hazards like driving in the rain and driving in the snow are a large focus. But what about hazards you encounter less often?

Other, less-discussed hazards can be just as damaging—and potentially dangerous. Here are several to watch for, and how to respond when you encounter them:

Uneven roads

If you’re driving and suddenly hit an uneven patch of road, your steering wheel could jerk unexpectedly, causing you to swerve. Depending on the severity, and how well you maintain control of the vehicle, uneven roads could damage your tires or axle—or cause a collision.

Watch out for uneven road occurrences like:

Potholes
Heat-buckled pavement
Shoulder edge drop-offs
Speed bumps

Always scan for road conditions while you drive. If an uneven patch of road is unavoidable, slow your vehicle, keep both hands firmly on the wheel, and try to react calmly—gradually steering your car back in the proper direction.

Debris in the road

Debris on the roadway is often made more dangerous by drivers who react unpredictably to it. Data from the Foundation for Traffic Safety (FTS) shows that road debris was a factor in an estimated average of 50,000+ police-reported crashes which resulted in nearly 10,000 injuries and 125 deaths.*

Keep your eyes on the road and on the traffic ahead of you. You can spot debris based on how traffic down the road is reacting, giving you enough time to assess your surroundings, slow down, and change lanes as needed.

If the debris enters the roadway right in front of you (like something falling off a truck or blowing into the road) try not to jerk your wheel or swerve too harshly. You could collide with another vehicle, run yourself or someone else off the road, or lose control of your vehicle.

If you do hit something in the road, pull off somewhere safe and check for damages. You can then assess whether the damage has affected your vehicle’s drivability. Snap a couple pictures and note the time and date in case you need supporting documents for an insurance claim, and then contact a repair shop nearby.

Sun glare and reflections

The sun can be a serious hazard when you’re behind the wheel. Even a few seconds of glaring sun hitting your windshield and obscuring your vision can cause a serious accident. Be prepared to deal with sun whenever you drive, but watch out for these specific situations:

Sunrise
Sunset
Clear, sunny days
Sunny days with snow cover
Driving near water
Other drivers using their high beams improperly

While these scenarios may be out of your control, having polarized sunglasses within reach while you’re driving can help reduce your risk. Keeping your windshield and dashboard clean can also increase visibility in the face of sun glare.

Low-visibility areas

Proceed with caution in situations where you’re less likely to see other drivers. A large part of defensive driving is being able to anticipate and react to other vehicles. Low-visibility areas, like blind spots in heavy traffic or coming around sharp turns, limit that reaction time.

To minimize blind spot areas, always ensure your mirrors are properly positioned before you drive. Some newer vehicles have blind spot detection systems. Data shows these systems can reduce crashes that lead to injuries by 23% . For older, used vehicles , you can have an aftermarket blind spot monitor installed for as little as $200.

Sharp curves make slowed or stopped traffic ahead of you, as well as oncoming traffic, hard to see. Make sure to follow posted speed reductions and use your headlights and blinker.

Construction zones

Work zone fatalities have hit all-time highs in recent years. In the United States in 2021, there were 956 work zone traffic fatalities, up from the previous high of 863. Speeding was a factor in 32% of cases.*

Beyond it being the law, there are several other good reasons to slow down in construction zones. To name just a few:

The presence of vulnerable workers
Changing traffic routes
New instructional signage
Uneven lanes
Loose gravel
Construction waste and other debris
Road barrels and barriers

Accidents occur when drivers don’t adapt to the changed conditions. Failure to respond to changing traffic flow can result in rear-end collisions or sideswipes when drivers overcorrect.

Animal collisions

Depending on where you live, wildlife-related collisions can be a major issue. In largely rural states like Wyoming, these crashes account for nearly 20% of accidents . West Virginia, Montana, Pennsylvania, South Dakota, and Michigan are the top five states in per capita animal-automobile collisions— especially concerning deer .

As you scan the road, keep an eye out for animals entering the roadway. Many animals move at dawn and dusk, making them difficult to see. The reflection of your headlights—or high beams if you’re alone on the road—in an animal’s eyes can alert you to their presence. Safely slow down your vehicle until the roadway is clear, making sure to watch for additional animals, as they rarely travel alone.

What is no-fault insurance?

Wed, 24 Apr 2024 13:04:37 GMT

Following a car accident, one of the first questions you’re inevitably asked is “Whose fault was it?” In many states, the answer to that question plays a key role in resolving auto insurance claims . But in some states, the identity of the driver who was at fault has no bearing on certain claim payouts. These are often referred to as no-fault auto insurance states.

If you live in a no-fault auto insurance state and you’re injured in an accident, you can file a claim with your own insurance provider. They’ll evaluate the claim and, assuming it falls under the limits of your policy, reimburse you for injuries and related expenses—regardless of whether you or the other driver caused the accident.

Is no-fault insurance the same as personal injury protection (PIP)?

Broadly speaking, yes. And actually, the fact that these two terms are often used interchangeably has probably contributed to a lot of confusion regarding what “no-fault insurance” means.

Personal injury protection (PIP) auto coverage can help pay for reasonable and necessary medical expenses—and certain other expenses—for injuries you and other insured individuals sustain in a covered accident. PIP isn’t available in all states.

What does no-fault auto insurance cover?

No-fault insurance can help pay for medical bills, income loss, and other related expenses you and/or your passengers incur following a covered accident—even funeral expenses, in some cases.

Keep in mind that you may need to pay your deductible before the coverage goes into effect following an accident.

What doesn’t no-fault auto insurance cover?

No-fault auto insurance is only available to those who qualify as an insured person under the policy, and only pays for certain expenses from accident-related injuries. It doesn’t cover those seeking additional compensation for things like pain and suffering related to the injury.

In most no-fault states, it also doesn’t pay for vehicle or property damage—yours or anyone else’s—following an accident. Depending on the circumstances of the accident, one or more of the following coverages would apply:

Property damage liability

Collision

Comprehensive

Do I need no-fault auto insurance?

That depends on where you live. Some states require drivers to carry no-fault insurance (amongst other coverages) on their policies, some states make this coverage optional, and some states don’t allow it at all.

No-fault car insurance states

As of February 26, 2024, 12 states * are no-fault car insurance states:

Florida
Hawaii
Kansas
Kentucky
Massachusetts
Michigan
Minnesota
New Jersey
New York
North Dakota
Pennsylvania
Utah

States where no-fault auto insurance is optional

In addition to the 12 states* that require no-fault auto insurance, drivers can purchase optional PIP coverage in the following states and districts (as of February 26, 2024):

Arkansas

Texas

Washington

Washington D.C.

Get Dairyland® auto insurance

We provide auto insurance policies to drivers in 38 states , and we have decades of experience helping drivers like you find affordable car insurance—whether or not you need no-fault insurance. Interested in getting a free quote? Click below to get started.

Find a repair shop after an auto accident

Tue, 23 Apr 2024 13:28:23 GMT

There are some things in life you often can’t control—for example, being involved in an auto accident . However, the post-accident process isn’t completely out of your hands.

If you have Dairyland® comprehensive and collision coverage and report an auto claim , we’ll ask whether you have a preferred repair shop. If you do, we can work with that shop throughout the claims process to help get your vehicle repaired and back to you.

Steps for finding a repair shop

1. Contact your auto insurance provider

Following the incident, file your claim. Our claims representatives will guide you through the claims process . If you already know the name of the repair shop you’d like to use, let the claim representative know. If not, take the following steps.

2. Get recommendations

Ask friends, family, and colleagues for repair shop recommendations. Personal experiences can offer valuable insights into the reliability and professionalism of local repair shops.

3. Check online reviews

Take advantage of online platforms to read reviews and testimonials from other customers. This can provide additional perspectives on a repair shop's reputation and performance.

4. Verify certifications and licenses

Ensure the repair shop holds the necessary certifications and licenses. Recognized certifications, such as ASE (Automotive Service Excellence) , indicate a commitment to professional standards.

5. Visit the repair shop

Visit the repair shop in person to assess its cleanliness, organization, and overall professionalism. A reputable shop will be transparent about its operations.

6. Inquire about warranties

Ask about the warranty offered for the repairs. A trustworthy repair shop stands by its work and typically provides a warranty for the services it performs.

Why are car insurance rates increasing?

Wed, 17 Apr 2024 13:23:36 GMT

Across the United States, the cost of car insurance is up 19% from autumn 2022 to autumn 2023.* That's the most significant annual increase since 1976. With these increases outpacing overall inflation, drivers are wondering, “Why is this happening?”

What's led to car insurance rate increases?

Several major factors are driving this rapid increase:

General inflation has hit many sectors of the economy
Supply chain issues have led to higher car repair costs
Post-pandemic driving has gotten riskier
Climate change is contributing to an increasing number of extreme weather events
Reinsurance rates for insurance companies have risen

Understanding what's behind these rising rates can help you know what to expect in the future. It may also help you determine which types of auto coverages are worth keeping or dropping as budgets get tighter.

General inflation is driving up prices

The first force behind increasing car insurance rates is the general rise in global inflation. Inflation refers to prices rising across the board for goods and services over time. When inflation goes up, the cost of doing business for companies rises too.

In 2022, the U.S. inflation rate hit a 40-year high ,* driving up business costs in every industry, including car insurance. From the cost of car parts and repair labor to medical bills and liability claims, inflation has made everything tied to auto insurance pricier.

Why does inflation lead to increased car insurance costs?

To understand how inflation impacts car insurance prices, it helps to break down key areas where rates are increasing for insurers:

Repair costs : As of July 2023, auto repair costs had risen by more than 20% year over year. Components from computer chips to catalytic converters are in short supply. At the same time, garages and body shops face rising rents. These repair cost spikes get directly passed to customers in rate hikes. You can help mitigate this by DIYing some of your repairs .

Medical bills: Accident-related procedures covered by bodily injury liability and medical payments or personal injury protection (PIP) have become more expensive, with hospital staff shortages and record rate increases for ambulance rides. As a result, claim payments for accident victims can quickly get very expensive for insurers.

Accident claims: With used car prices up 40%* compared to pre-pandemic levels, replacing total loss vehicles after wrecks brings epic payouts, erasing insurer margins. Rental coverage rates have also increased, as delayed parts keep customers in rental cars for months in some cases.

This all means that while the coverage you get under your policy hasn't changed, dramatic inflation means all those promised repairs, medical payments, and accident claims cost your insurance provider more.

Supply chain issues causing repair delays and higher costs

Another fallout from the pandemic that translates to pricier auto insurance premiums? Widespread supply chain disruptions have led to growing repair delays and costs. Similar to extreme general inflation, the depth of supply chain woes directly impacts how much extra insurance companies pay out on auto accident claims. Some major factors amplifying insurer costs include:

Replacement parts shortages: Safety components like airbags and seatbelts see massive backorders, as do electronic control modules that run all car computers. Some insurers now report year-plus waits on many repairs.

Increased storage fees: Long repair delays mean insured wrecks sit at tow lots and body shop properties, racking up daily storage charges and adding thousands in extra costs.

Diminished drivable cars: As cars wait weeks or months for parts, fewer damaged vehicles get fixed quickly enough to remain drivable under policy provisions. This puts more drivers into rentals and more cars in storage, simultaneously straining insurer finances.

Escalating total losses: Modern cars stuffed with electronics and missing components often get declared total losses within weeks when repair parts remain scarce.

Rising substitute part prices: Even aftermarket versions of scarce parts made by third parties have shot up in price. This leads to long waits as desperate shops overpay component brokers, driving up insurer claim costs exponentially.

Post-pandemic driving habits are riskier

During the COVID-19 pandemic lockdowns, premiums fell as cars stayed parked for extended periods. However, once drivers returned to the roads, many poor driving habits did as well. Auto insurance executives report that these risky habits have persisted even as traffic levels resumed. Data shows the number of fatal accidents spiked in late 2020 and early 2021.

While crash rates have moderated somewhat, they remain elevated compared to pre-pandemic baselines—further fueling premium increases.

Climate change is contributing to extreme weather damage

Devastating storms powered by climate change also take a toll on car insurance rates across huge regions. As temperatures and sea levels rise, extreme weather events like destructive hurricanes, flooding rainstorms, aggressive wildfires, and hailstorms often intensify. The growing frequency and severity of these disasters can lead to insurance premium increases in vulnerable areas.

Catastrophic storms that damage property on a massive scale have become eerily routine. And all that property damage means staggering claims costs for insurance companies. For example, Hurricane Ian wracked Florida in 2022, with over $47 billion in projected insured losses, according to analytics firm CoreLogic.

Even a single town getting pummeled takes a toll on insurance finances. A giant hailstorm that hit Calgary, Canada, in 2020 caused an estimated $1.2 billion (CAD) in insured auto and property damage. Such epic events create a ripple effect of spiking premiums across surrounding regions to help insurers recoup catastrophic costs.

While climate change negatively impacts society in many ways, car insurance stands out as taking an immediate hit. States prone to hurricanes, flooding, hailstorms, and wildfires have shouldered up to 10% increases in premiums as disaster-related claims overwhelm insurance providers. With no slowdown in extreme weather projected anytime soon, climate change could keep upward pressure on rates indefinitely.

Extreme weather perils and their impact on rates

It's tempting to lump severe weather and other natural disasters together when examining climate change’s impacts on insurance rates, but the nuances of certain extreme weather perils affect car insurance prices in unique ways.

Hurricanes

The costliest climate events cause a spike in total losses from flooding ruin along with escalated health claims from accident-related injuries. Premiums often jump 10–20% after a major hurricane strikes across entire regions

Hail and windstorms

While less costly overall than hurricane devastation, highly localized hail and wind still cause amplified damages that can lead to comprehensive claims—from shattered windows, dents, fallen limbs, flying debris, and more.

Fires

In fire-prone states, escalating wildfire destruction can lead to vehicle damage tied to falling trees and debris from adjacent burn zones, even well away from the deadliest infernos.

Floods

Surging rainfall events flood out thousands of vehicles in low-lying zones each year.

Reinsurance rates have increased

Finally, an overlooked yet critical player in rising car insurance costs: reinsurance rates that protect carriers from insolvency.

Reinsurance refers to "insurance for insurers," where large national or global pools assume some risks from insurance companies. This backup coverage keeps insurers solvent if massive claims from extreme weather events like hurricanes or supply chain snags threaten their finances.

However, reinsurers have paid out significant amounts in recent disaster claims, eating into their own bottom lines. Like standard insurers, this has caused many reinsurance firms to raise rates to restore healthy profits.

Reinsurance rates can increase due to a range of different factors, including:

Catastrophe claims outlays: Strong hurricanes and complex statewide fires and floods cause reinsurers to shell out billions in extraordinary event payments to keep struggling insurers solvent.

Reduced profit margins: Huge unpredictable payouts drop many reinsurers' annual profits significantly across both the auto sector and property/casualty portfolios.

Across-the-board premium hikes: Cushioning thinner profits and ratings hits, global reinsurance giants raise the premiums they charge insurance providers.

When reinsurance rates rise, that financial burden trickles down to consumers through higher monthly premiums. Essentially, insurers pass some portion of ballooning catastrophe reinsurance costs to policyholders to stabilize the industry.

How to manage increasing auto insurance rates

Consider increasing your deductible to potentially reduce your monthly payments.

Drop optional coverages like rental reimbursement if money is tight. Eliminating less essential add-ons lets you prioritize core liability and collision.

Compare rates annually, as some insurers spread hikes unevenly. Shop around for the best deals every renewal season

Ask your insurance provider about discounts you could qualify for, such as:
Multi-car
Anti-theft devices
Payment frequency
Homeowners
Defensive driver course

Get a Dairyland® auto insurance quote

As you manage the ongoing impacts of rising car insurance costs, reliable carriers like Dairyland —a brand of the Sentry Insurance Group—help by simplifying comparisons. We provide fast, customized quotes using easy online tools.

A guide to vehicle safety features

Wed, 10 Apr 2024 08:38:11 GMT

When you're in the market for a new car, what matters most to you? Is it the make, the color, or the cost? Or perhaps, like many Americans, you prioritize safer driving and consider safety features first.

From advanced driver assistance systems (ADAS) to active safety technologies and crashworthiness ratings , safety features can bring peace of mind and enhance your overall driving experience. Our guide covers essential features, helping you prioritize safety without compromising on style or budget.

Why safety features matter

Every car ride carries an inherent risk, and that's where car safety features come into play. The advanced technologies, like automatic emergency braking and lane departure warnings, aren't just bells and whistles—they're your first line of defense, helping you avoid collisions altogether.

Safety features play a vital role in reducing the risk of injuries and their severity in a crash. Established technologies like seat belts (which can reduce the risk of death by 45% according to the National Highway Traffic Safety Administration ) and airbags (offering a 29% reduction) continue to help save lives. Additionally, advanced driver-assistance systems provide further support for drivers.

This translates into peace of mind behind the wheel. Whether navigating bustling city streets or taking a long road trip, the knowledge that your car is equipped with these advancements allows you to focus on the journey—not potential dangers.

Key safety features to consider in your next car

Safety technology has come a long way since the invention of the first headrest in 1921, designed to combat whiplash in rear-end collisions.

Advanced car safety features, such as automatic emergency braking and lane departure warning systems, are constantly being developed and can help prevent accidents and mitigate the severity of collisions. According to the National Highway Traffic Safety Administration (NHTSA), these features have played a significant role in reducing road fatalities in recent years.

As you navigate the car buying process, consider these essential safety features:

Collision avoidance systems

These systems use sensors and cameras to monitor your vehicle's surroundings, alerting you of potential collisions and even intervening to prevent accidents. Look for features such as forward collision warnings, lane departure warnings, and blind-spot monitoring.

Adaptive cruise control

This intelligent system adjusts your vehicle's speed to maintain a safe distance from the car ahead, reducing the risk of rear-end collisions. It's particularly beneficial for long highway drives, offering convenience and peace of mind.

Automatic emergency braking (AEB)

AEB is a groundbreaking technology that detects imminent collisions and automatically applies the brakes to help prevent or mitigate the impact. Whether it's a sudden stop from the vehicle in front or an unexpected obstacle, AEB can be a lifesaver in critical situations.

Pedestrian detection

Pedestrian safety becomes even more crucial as urban areas experience increasing congestion. Pedestrian detection systems use cameras and sensors to detect pedestrians in your vehicle's path, issuing warnings or applying brakes if necessary to prevent accidents.

Vehicle stability control (VSC)

VSC is designed to prevent skidding and loss of control during sudden maneuvers or adverse road conditions. By selectively applying brakes and adjusting engine power, VSC helps enhance stability and improve handling, especially in slippery or uneven terrain.

Advanced airbag systems

While airbags are a standard safety feature in most vehicles, advanced airbag systems offer enhanced protection. Look for vehicles with side curtain airbags, knee airbags, and seatbelt pretensioners to minimize the risk of injury in the event of a collision.

Backup cameras and parking assist

Parking-related accidents are all too common, but backup cameras and parking assist systems can help mitigate the risk. These features provide a clear view of your vehicle's surroundings, helping make parking and maneuvering in tight spaces safer and more efficient.

Tire pressure monitoring system (TPMS)

Proper tire maintenance is essential for vehicle safety, and TPMS helps ensure optimal tire pressure at all times. By alerting you to underinflated tires, TPMS helps reduce the risk of flat tires and improve overall vehicle performance.

Child safety features

If you have young passengers, prioritize vehicles with child safety features such as rear door child locks, LATCH (Lower Anchors and Tethers for Children) systems, and rear seat reminders. These features provide added protection and peace of mind for families on the road.

Crash test ratings

Before making a final decision, be sure to research the crash test ratings of your prospective vehicle. Organizations such as the NHTSA and the Insurance Institute for Highway Safety (IIHS) conduct rigorous crash tests and provide valuable insights into a vehicle's safety performance.

Safety features and auto insurance work together

In the realm of driving, safety is paramount. Safety features embedded within vehicles, whether it's antilock brakes or cutting-edge automatic emergency braking systems, are designed to help protect drivers and passengers. Yet, even with these advanced technologies, unforeseen incidents can still occur. That's where auto insurance steps in, offering an additional layer of protection.

At Dairyland®, a brand of the Sentry Insurance Group, we specialize in providing customizable and cost-effective auto insurance policies . With over seven decades of experience, we understand the importance of safeguarding both you and your vehicle on the road. Contact us today.