Rate Lock is an entirely optional program, and many drivers qualify. Even if you have other accidents on your record, you may still be able to enroll in Rate Lock. Then, you’ll know that even if you have an accident, your rates won’t change.

Your rates only change when you make a change to your policy, like moving to a new address, adding or removing a vehicle or adding or removing a driver. Otherwise, it’s all about stability, consistency and predictability. Which isn’t such a bad thing, after all.

 ERIE Rate Lock does not guarantee continued insurance coverage. Insured must meet applicable underwriting guidelines. Premium may change if you make a policy change.

Late to work one day and have a bit of lead foot? Rate increase. Miss the speed limit sign? Rate increase. Forget to signal at a light? Rate increase. Seems crazy, doesn’t it? You already were punished with a pricy ticket, and then you find yourself hit again with a rate hike.

But insurance doesn’t have to be that way. When you choose ERIE Rate Lock^SM, you’re protected against rate increases due to traffic tickets or accidents. After all, we’re your insurance company, not your driver’s ed teacher—we don’t need to punish you every time you make a mistake.

Why does ERIE offer this feature to qualifying applicants when so many other companies don’t? It’s simple: We think it’s the right thing to do. A pretty radical stance, but we’ve been doing the right thing since 1925 when H.O. Hirt founded ERIE with the plan to offer commonsense service at affordable prices.

Add some certainty to your auto insurance bill with ERIE Rate Lock. Give us a call at Yetter Insurance Agency today, and let’s talk about whether ERIE Rate Lock makes sense for you.

(570) 296-8329

Most insurance companies think that because you make one little mistake, have one little accident, you should have to pay more in insurance premiums. At Erie Insurance, we don’t think your one slip-up should cost you more money. We’re all human, right?

When you buy insurance through ERIE, you have the choice of choosing a rate lock policy. Think of it as your “we’re only human” policy. When you have ERIE Rate Lock^SM, your rates won’t increase—no matter how many accidents you might have. The only time your rate changes is when your life changes: when your address changes, your vehicle changes or you add or remove a driver from your policy.

It’s that simple. We think your auto insurance should protect you, not punish you. Give us a call today to see whether you qualify and let’s find out if rate lock makes sense for your life. No tricks, no gimmicks, just seriously good insurance.

ERIE Rate Lock does not guarantee continued insurance coverage. Insured must meet applicable underwriting guidelines. Premium may change if you make a policy change.

Admit it: putting your 16 year-old kid behind the wheel of a car is one of the most nerve-wracking things you can do as a parent. After all, you remember the first time he rode a tricycle—how can you let him steer a two-ton machine?

Most kids do their best to stay safe when they’re driving, but some have a hard time keeping their fingers off their phones. If you’re concerned about your child texting while driving, there are a few steps that you can take.

Some parents like to make sure their kids aren’t texting by blocking texts. Many apps for smart phones can make sure that your child’s phone is locked while they’re driving, ensuring they keep their hands on the wheel and their eyes on the road. But a simpler solution may be to just set a good example when you drive. Do you keep all your attention on the road? Do you wait until you’re parked to answer that call or respond to that text? If so, your child is more likely to resist those impulses too.

For more information and resources on how to help your child learn to be a safe driver, look at Erie’s Teenage Safety driving program. You and your teen will find great resources on every aspect of safe driving. Or talk to us. We work with families like yours every day to keep drivers safe on the road.

“Pennsylvania has made great strides in reducing teendriving fatalities in the past decade but when it comes to the health and well-being of our children, we must go further,” Corbett said during an event at Harrisburg High School. “I am joined today by family members of children we have lost and we all agree that ‘Lacey’s Law’ is the next step in keeping our children safe when they begin driving on their own.”

The new law specifically takes the following actions:

•Strengthens passenger restrictions for junior drivers. For the first six months after receiving a junior license, a driver under the age of 18 will not be permitted to have more than one passenger under age 18 who is not an immediate family member unless they are accompanied by a parent or guardian. After six months, they may have up to three passengers under the age of 18, provided they have not received any violations or been partially or fully responsible for an accident. These restrictions apply until the junior driver turns 18.
•Increases from 50 to 65 hours the amount of supervised, behind-the-wheel training required for permit-holders under age 18. Ten of the added hours are for nighttime driving and five additional hours are spent driving in poor weather conditions.
•Changes the seatbelt requirements for drivers and passengers under the age of 18 to make the lack of seatbelt a primary offense, meaning the driver can be pulled over solely for that violation. The fine for conviction is $75.
•Requires the Department of Transportation biannually compile and make public a report concerning junior drivers involved in an accident with multiple passengers under 18 years of age in the vehicle, the number of passengers under 18 in the vehicle at the time of the accidents and whether the driver and passengers used seatbelts. This data must be also included in a report submitted to the House and Senate transportation committees.
The legislation is named for Lacey Gallagher, 18, from the Philadelphia area, who was killed in car crash on April 28, 2007. She was a passenger in an SUV with six other teenagers. All of the other teens were injured; none wore seat belts.

“Teen drivers out there may feel that they are being singled out by this bill and, the fact is, they are. Each of our children, like Lacey Gallagher, represents our future, our hopes and our dreams. We are not ready to give them up to a needless accident and we support this bill because we care so much for them,” said Corbett.

Accordingly to a study done by the Institute for Highway Safety in 2005, the incidence of car crashes for junior drivers rises incrementally with the number of passengers in the car.

The governor thanked Rep. Kathy Watson (R-Bucks), Sen. John Rafferty (R-Chester), Sen. Tommy Tomlinson (R-Bucks), and the leadership of the House and Senate transportation committees for their work on this legislation.

Learn more about driver licensing and young-driver safety at the Department of Transportation’s website.

Trick-or-Treaters

• Carry a flashlight.
• Stay on sidewalks, do not run and always obey traffic signals.
• Stay in familiar neighborhoods and only approach homes that are well lit.
• Wear reflective clothing.
• Do not wear masks while walking house-to-house.
• Make sure your costume does not drag and only carry flexible props (eg., swords, wands, etc.).
• Steer clear of unfamiliar animals/pets.

Parents

• An adult should accompany young children.
• Purchase only flame-retardant costumes.
• A safe alternative to pumpkin carving is pumpkin painting.

If your children trick-or-treat on their own be sure that:

• They wear a watch.
• They carry quarters or a cell phone to call home.
• They know where to reach you if you’re not home.
• They travel in a group.
• You explain the difference between a “trick” and vandalism.

Homeowners

• Use small flashlights in jack ‘o lanterns rather than candles.
• Offer a well lit, clear path to your door.
• Keep animals inside and away from trick-or-treaters.

Drivers

• Slow down. Children will be running everywhere.
• Partygoers should always elect a designated driver.

Treats

• Tell children to bring candy home to be inspected before consuming anything.
• Look at the wrapping carefully and pitch anything that looks suspect.
• If you discover a treat that has been tampered with, contact the proper authorities.

Feel free to stop by Yetter Insurance to get your Halloween Treat Bags with safety tips available for your trick or treaters! 

www.yetterins.com/halloween.pdf

Raising kids is not cheap. From getting new shoes for their growing feet every three months to funding college, making sure kids have everything they need to grow up and become members of society is expensive.

It’s hard enough to take care of these things when you have a parent or two bringing in steady paychecks, but what if the worst happens and you can’t be there for your kids anymore? Who would make sure their necessities were paid for if you were gone?

Life insurance can ease your worries about providing for your children. Whether you choose a term policy, whole life insurance, or universal life insurance, in the event of your death, your family gets a check they can use for everyday bills, paying off the car or house, or funding a college education. No matter what life may have in store for you, you can make sure that your family has the life you want them to have.

When it comes to your kids, don’t leave things to chance. Make sure that you can take care of them no matter what. Call us today so we can discuss how you can protect your family today, tomorrow and always.

Life insurance is the ultimate safety net. It ensures that even in the event of your death, your loved ones are taken care of. Maybe it’s ensuring that your kids can still go to the college of their choice, or making sure that your spouse still has the golden years you two dreamed of. Or it can be as simple as making sure funeral arrangements are paid for so friends and family aren’t burdened with final expenses.

It’s time to stop pretending that life insurance doesn’t exist. Let’s sit down and talk about your needs, your options, and how you want to protect your family in case of the worst. You’ll be amazed at the peace of mind it affords you. No matter what happens now, your family will be provided for. There’s no better feeling in the world.

Check out the CDC’s Heat safety tips at http://www.bt.cdc.gov/disasters/extremeheat/heat_guide.asp

Rember, elevated temperatures have an impact on your entire body. Check out this article on Cnn.com for more informaiton about how your body reacts to being overheated: http://thechart.blogs.cnn.com/2011/07/12/heat-hurts-your-insides-too/?hpt=he_t2

Be safe, stay cool!

From the staff of Yetter Insurance Agency, Inc.