As summer winds down, we begin to welcome signs of fall:  cooling temperatures, a new school year, changes in the landscape, earlier sunsets to name a few.  Not only might your routine change when summer ends, but your daily commute is affected by shorter days and weather changes as well.  You might even be drawn to drives through the countryside if you enjoy the changing foliage.  

Pleasant though it might be, the changing season also calls for you to stay alert.  Cooling temperatures often bring rain, and  when combined with falling leaves can be as slippery on the roadway as ice.  Deer are more visible and not just on rural roads, especially from October to January and typically from dusk to dawn,  Days get shorter as fall sets in; so you'll find yourself driving more often in the dark.  Traffic patterns and volume change once school is in session, causing greater caution when driving.

Here is what ERIE Insurance says about being prepared when driving this fall. 
This advice should make your driving time safe as you enjoy the fall changes.

Even the most cautious drivers in the safest vehicles may face the unexpected at some point.  That's where good Auto Insurance is needed.  If you have not reviewed your Auto Insurance coverage recently, there is no time like the changing of seasons to do that.  Here at William M. Sparks Insurance Agency, we are prepared to help with sound answers to your questions and a thorough review of your policy, whenever you are ready.  Reach out to us by phone (410-252-8304) or visit our website (https://wsparks.com/personal-insurance/auto-insurance.html).

If you have ever received a speeding ticket you might take comfort in the fact that you are not alone.  Actually, an estimated 41 million speeding tickets are issed every year in the US.  Depending on the circumstances, a speeding ticket can be expensive.  First, there is the fine which can be daunting of course. 

But then you must consider how a speeding violation can also affect your Auto Insurance costs.  Among other things, your driving records matters.  If it shows you to be a safe driver without other violations, the impact could be less.

ERIE Insurance offers answers and advice to help you avoid a rate increase if you are stopped for speeding.  

Your insurance agent can also help.  We can answer questions about how you might manage your Auto Insurance rate and options.  Reach out to us by phone at 410-252-8304 or browse our website  at your convenience.  Here at William M. Sparks Insurance Agency, we look forward to assisting you.

Ask 10 people how their Auto Insurance premium is determined, and you’ll get 10 different answers. 

The reason that you'll get different answers is largely because of the many elements that influence the amount of your auto insurance premium.  In addition to the amount of coverage and type of coverage, insurers must consider many other factors – some of which you can control but others you cannot.  The relative importance and weight of these factors varies from insurer to insurer. Thus, your Auto Insurance premium will vary as well. 

Just what is involved? Check out this infographic from the Insurance Information Institute to see the WHAT and the WHY of factors that impact your auto insurance premium. http://bit.ly/2XUsrCB

Before you purchase an auto insurance policy, we suggest that you consult with a trusted insurance agent who will ask the right questions and get to know you.  Only then can your agent help you find the insurance policy that is right for you and explain the process involved in arriving at the amount you’ll pay. 

Do you already have Auto Insurance? Then, maybe it’s time to sit down with your agent to review your current coverage and determine whether you still have the best policy for your needs at the best rate available. 

Feel free to contact any of our very capable and experienced agents at the William M. Sparks Insurance Agency here in Lutherville/Timonium, MD to discuss your insurance questions.  We can help you review your current insurance policy and explore your options to be sure you have the best coverage and protection according to your circumstances. 

It’s that time of year when we all decide the improve ourselves. We set out New Year’s resolutions, usually designed to enhance our health or our appearance. Those are admirable goals for sure. But if you’ve been there and done that, year after year, you might be ready for something fresh – something that will polish your skills and keep you safe at the same time.

We’re talking about resolutions to become a better driver. To make it a little easier for you, click on READ MORE below for some suggested resolutions to keep you safe on the road...