What is ABS and What It Does for You

emergency braking car on wet road

When you are considering which car to purchase, you should factor in ABS.  Many people don’t know that ABS (anti-lock braking system) makes a difference:

  • Since ABS, there has been a 35% decrease in frontal collisions on wet roads.
  • There has been a 9% decrease in frontal impacts on dry roads.
  • In controlled test conditions, 58% of drivers without ABS strayed from their intended path after braking and only 24% of drivers with ABS did the same.

As you can see, ABS is a very good feature to have.  It comes as a standard feature on many cars, but sometimes it is an add-on. As you look at cars, think of ABS like an umbrella. It’s better to have one and not need it rather than need it and not have it.

You might have heard someone say, “I pushed the brake pedal, and they locked up!” When your wheels lock up, you skid, you can hear the screech of the tires and often you see smoke and/or skid marks on the pavement.  Skidding isn’t good, but it is especially dangerous in rain, snow or ice. When it happens, you are at serious risk for losing control of the car and having an accident.

To “unlock” your wheels, you need to lessen the pressure on the brakes until the wheels start spinning again.  If you drive a car without ABS, instead of pressing on the brake and holding it, you need to apply pressure until just before the wheels would lock up.  If the wheels lock up or you are trying to keep them from doing so, you lessen pressure on the brake and then apply it once again (which is called “feathering”).  In the midst of bad weather or bad drivers around you, it’s not always easy to do.

That’s where ABS comes in.  ABS is designed to keep your wheels from locking up when you press the brakes.  With ABS, a computer will handle all that for you using wheel speed sensors, hydraulic units and electronic control unit. All these combined make up an ABS.

ABS is very useful in bad weather or during an emergency when you need to suddenly stop your car. It takes care of feathering your brakes so your wheels don’t lock up. (The ABS use sensors to monitor your brakes and keep them from locking at a sudden braking.) As a result, you maintain better control of your car in order to avoid a wreck.

Items You Should Have in Your Car During the Winter

Items You Should Have in Your Car During the Winter

Getting stuck in the snow is not fun, but it could happen during the cold winter days.  It it happens, you need to be prepared.  Here are a few helpful items to include in your car so your winter driving can be as stress-free as possible:

Booster cables

Booster cables should be something you keep in your car year-round but especially in winter. Having a dead battery near night time is dangerous. Not only do the temperatures drop rapidly, but also makes it harder for you to see the road. Having booster cables gives you the right tool to jump start your car.

Blankets

If you get stranded and there are no other cars around, you may be sitting in the cold for a while.  As  it gets darker, the temperature drops. It is wise to have some blankets to keep you warm until help arrives.

Flashlight and extra batteries

Having a Flashlight is another must-have item in your car year-round. Put simply, it lets you see in the dark “to help put those booster cables on.” A bright flashlight also makes it easier for people to spot/see you if it gets too dark.  Be sure to keep some extra batteries in the car and replace them periodically.

Extra clothing

Having extra winter clothes in the car is also useful for a couple of reasons. If you get stranded, you might have to walk for help.  If you have a flat tire or other situation in which you have to get out of the car during bad winter weather, it is nice to have warm, dry clothes in case you step in a puddle of partially-frozen water or slip in mud or snow.  Being cold and wet is no fun.  It’s a good idea to have extra clothing with you.

Food

Take some food with you in the car in case you are stuck waiting for help to come.  You might also consider keeping some non-perishable food in the car during the winter months as well.  Think of them as your emergency stash.  If you are in a remote area, be sure there are at least some high calorie foods in your “stash.”  Just like batteries for your flashlight, be sure to replace the foods periodically.

Auto Safety Test: Check Your Tires

car on asphalt road on summer day at park

Did You Know?

Tires are one of the most important — and oft-overlooked — components of our cars. Tires are the only thing that attach our cars to the road, and tire problems affect your car’s ride comfort, handling and safety. If they’re near bald and out of balance driving can be dangerous. Here are some simple tire safety tips to help keep you and your car’s occupants safe.

Check your tire pressure regularly.

Tires tend to lose air over time. Buy a digital tire gauge and check your tires once a month and before a long trip. Proper inflation pressures can be found in your owner’s manual or on a sticker on the car (usually on the driver’s doorjamb or fuel-filler lid) Remember to check tire pressure only after the car has been sitting for several hours in order to ensure that the tires are cold — the friction of driving heats the tires and increases pressure, which can hide an under-inflated tire.

Address under-inflated tires immediately.

An under-inflated tire has more rolling resistance, which increases fuel consumption. It also creates more heat, which can lead to tire failure.

Make sure you have good tread on your tires.

Since you are already down beside your tires when you are checking your tire pressure, take that time to look at the tread for signs of damage, bubbles, cracks or baldness (areas that are smoother in one place or another). One easy test is a penny check. Put a penny in the groove of the car tire to see if I can see all of Lincoln’s head. If you can, then it’s time for new tires.

Rotate and balance your tires regularly.

Consider rotating your tires every 5,000 miles which should help your tires to wear even.

Keep your tires aligned properly.

Tires should be aligned on a regular basis, especially if you have hit a curb or two. Tires that are out of alignment can wear unevenly. To check for alignment rest hands lightly on steering wheel while driving, it should stay in a straight line and not drift to the right or left.

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Click here to let us provide you with a competitive quote for your auto insurance. As an independent insurance agency, we can check several companies for you to find you the best rate possible.

How to Keep Your Pet Safe on the Road

Ben Johnson of Bob Johnson Insurance in TN

Pet owners spend a whopping $40 billion on their furry friends each year. That’s enough to buy a gallon of gas for every man, woman and child in the United States 44 times! Insurance companies haven’t always viewed pets with the same passion as their owners. If you’re in an accident, generally everyone in the car – except your four-legged friend – is covered.

How an Independent Insurance Agent can Help

As an independent insurance company Bob Johnson Insurance is not limited to one company. We can check multiple companies to fit your needs. In this case, The Progressive Group of Insurance Companies can help.

The Progressive Group of Insurance Companies now recognizes Fido and Fifi as family members. A Progressive policy with Collision coverage now extends to cats and dogs. The coverage pays up to $500 if your dog or cat is hurt or dies as a result of a car accident.

And, best of all, the coverage is free.

“We know how much our customers love their dogs and cats. Many of us have pets, too, and we feel the same way,” said Geoff Souser of Progressive. “Progressive has a long history of product and service innovations that prove you can teach an old dog new tricks. Knowing that most people think of their pets as family members, it felt like the right thing to do.”

Progressive’s pet injury coverage is available in most states. To find out more, contact Bob Johnson Insurance, Inc. at 865-922-3111 or click here to contact us.

What to Do if an Accident Occurs

Be prepared with the right coverage before you need it.

With so many people on the road during peak vacation months, it may be a good time to brush up on what you should do in the event you’re involved in a crash. Here are some tips from The Progressive Group of Insurance Companies.

Preparedness starts before you leave the driveway:

If your phone does not have a camera, put a disposable camera and pen and paper in your glove boxCar insurance claims can be settled faster if there’s a good record of what happened. If you can take photographs or collect license plate numbers, or even names and phone numbers of witnesses, these can all help your insurance company establish facts faster.

If you are involved in a crash:

  • Move your vehicle out of the roadway, if you can. If your car is able to be driven, move it off of the road a safe distance. By getting off the road, you can help to avoid a second collision.
  • Turn on your flashers or your lights. You want to be certain your vehicle is visible to other drivers.
  • Check yourself and your passengers for injuries. If someone is injured, call 911 immediately.
  • Call local police to report the crash.
  • Call your insurance company to report the crash. The earlier your insurance company knows about the crash, the faster it can get to work to resolve your claim.
  • Start documenting what happened, if you can. If you’re able to do so safely, take photographs, make notes, ask witnesses for names and phone numbers. If you’re not able to do so safely, stand as far from the roadway — and the crashed cars — as you possibly can.
  • Exchange only your insurance company name. Do not discuss the details of your coverage with anyone at the accident scene.
  • Exchange vital information with the other driver(s). Names, addresses, phone numbers are all useful to your insurance company in settling the claim.

For other tips to keep you safe on the road and keep your insurance rates down or to find an independent agent, call Bob Johnson Insurance, Inc. at 865-922-3111 or click here to contact us.