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	<title>Spencer Insurance Blog &#187; Insurance Institute of Highway Safety</title>
	<atom:link href="http://www.spencerinsurance.com/blog/tag/insurance-institute-of-highway-safety/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.spencerinsurance.com/blog</link>
	<description>The Official Blog of Spencer Insurance Agency, Inc.</description>
	<lastBuildDate>Tue, 31 Jan 2012 07:22:52 +0000</lastBuildDate>
	<language>en</language>
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		<title>New PA Teen Driver Law became effective on December 24, 2011</title>
		<link>http://www.spencerinsurance.com/blog/new-pa-teen-driver-law-became-effective-on-december-24-2011/</link>
		<comments>http://www.spencerinsurance.com/blog/new-pa-teen-driver-law-became-effective-on-december-24-2011/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 08:04:23 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[Teen Driver Safety]]></category>
		<category><![CDATA[accident]]></category>
		<category><![CDATA[auto insurance]]></category>
		<category><![CDATA[car insurance]]></category>
		<category><![CDATA[Cell phone ban]]></category>
		<category><![CDATA[Cost of Insurance]]></category>
		<category><![CDATA[costly mistake]]></category>
		<category><![CDATA[driver education]]></category>
		<category><![CDATA[drivers education]]></category>
		<category><![CDATA[graduated drivers license]]></category>
		<category><![CDATA[Insurance Institute of Highway Safety]]></category>
		<category><![CDATA[parent of teen driver]]></category>
		<category><![CDATA[safe driving]]></category>
		<category><![CDATA[safe teen driver]]></category>
		<category><![CDATA[seat belt]]></category>
		<category><![CDATA[spencer insurance]]></category>
		<category><![CDATA[stress and the teen driver]]></category>
		<category><![CDATA[teen consequences]]></category>
		<category><![CDATA[Teen Driver]]></category>
		<category><![CDATA[teen driver education]]></category>
		<category><![CDATA[teen driver expectations]]></category>
		<category><![CDATA[teen driver insurance]]></category>
		<category><![CDATA[teen driver/parent contract]]></category>
		<category><![CDATA[teen safety]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=727</guid>
		<description><![CDATA[<p>Starting December 24, 2011 the new Pennsylvania Teen Driver Law (Act 81 of 2011) became law.  Are you familiar with the changes?  Here are the highlights: The number of hours of supervised, behind the wheel skill building increased from 50 to 65. Ten of these hours must consist of nighttime driving and five of these <a href="http://www.spencerinsurance.com/blog/new-pa-teen-driver-law-became-effective-on-december-24-2011/#more-727" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fnew-pa-teen-driver-law-became-effective-on-december-24-2011%2F&amp;title=New%20PA%20Teen%20Driver%20Law%20became%20effective%20on%20December%2024%2C%202011" id="wpa2a_2"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></description>
			<content:encoded><![CDATA[<p>Starting December 24, 2011 the new Pennsylvania Teen Driver Law (Act 81 of 2011) became law.  Are you familiar with the changes?  Here are the highlights: The number of hours of supervised, behind the wheel skill building increased from 50 to 65. Ten of these hours must consist of nighttime driving and five of these <a href="http://www.spencerinsurance.com/blog/new-pa-teen-driver-law-became-effective-on-december-24-2011/#more-727" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fnew-pa-teen-driver-law-became-effective-on-december-24-2011%2F&amp;title=New%20PA%20Teen%20Driver%20Law%20became%20effective%20on%20December%2024%2C%202011" id="wpa2a_4"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></content:encoded>
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		</item>
		<item>
		<title>Prepare your house for winter</title>
		<link>http://www.spencerinsurance.com/blog/prepare-your-house-for-winter/</link>
		<comments>http://www.spencerinsurance.com/blog/prepare-your-house-for-winter/#comments</comments>
		<pubDate>Tue, 29 Nov 2011 08:22:06 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[Home safety]]></category>
		<category><![CDATA[Cost of Insurance]]></category>
		<category><![CDATA[costly mistake]]></category>
		<category><![CDATA[home insurance]]></category>
		<category><![CDATA[homeowner's insurance]]></category>
		<category><![CDATA[homeowners insurance in Montgomery county]]></category>
		<category><![CDATA[Insurance Institute of Highway Safety]]></category>
		<category><![CDATA[prepare your home for winter]]></category>
		<category><![CDATA[winter home prep tips]]></category>
		<category><![CDATA[winter home safety]]></category>
		<category><![CDATA[winter prep tips]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=718</guid>
		<description><![CDATA[<p>I would like to share some tips with you as your prepare your house for winter.  Many of these tips will help you avoid potential homeowner’s insurance claims.  Also, now is the time to call your agent to make sure you have the proper coverage.  Having claims can increase your Homeowner’s insurance premiums.  So to <a href="http://www.spencerinsurance.com/blog/prepare-your-house-for-winter/#more-718" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fprepare-your-house-for-winter%2F&amp;title=Prepare%20your%20house%20for%20winter" id="wpa2a_6"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></description>
			<content:encoded><![CDATA[<p>I would like to share some tips with you as your prepare your house for winter.  Many of these tips will help you avoid potential homeowner’s insurance claims.  Also, now is the time to call your agent to make sure you have the proper coverage.  Having claims can increase your Homeowner’s insurance premiums.  So to <a href="http://www.spencerinsurance.com/blog/prepare-your-house-for-winter/#more-718" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fprepare-your-house-for-winter%2F&amp;title=Prepare%20your%20house%20for%20winter" id="wpa2a_8"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Daylight Savings Time ends this weekend!</title>
		<link>http://www.spencerinsurance.com/blog/daylight-savings-time-ends-this-weekend/</link>
		<comments>http://www.spencerinsurance.com/blog/daylight-savings-time-ends-this-weekend/#comments</comments>
		<pubDate>Tue, 01 Nov 2011 08:05:18 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[Home safety]]></category>
		<category><![CDATA[Value Added Services]]></category>
		<category><![CDATA[homeowner's insurance]]></category>
		<category><![CDATA[homeowners insurance in Montgomery county]]></category>
		<category><![CDATA[Insurance Institute of Highway Safety]]></category>
		<category><![CDATA[winter car safety kit]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=713</guid>
		<description><![CDATA[<p>I just wanted to remind you that Daylight Savings Time ends at 2:00 Pm on Sunday, November 6th. So, on Saturday night, make sure you move your clocks back an hour so you&#8217;ll be on time for your Sunday events.  Use the extra hour to change the batteries in your smoke alarms and flashlights. Keep <a href="http://www.spencerinsurance.com/blog/daylight-savings-time-ends-this-weekend/#more-713" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fdaylight-savings-time-ends-this-weekend%2F&amp;title=Daylight%20Savings%20Time%20ends%20this%20weekend%21" id="wpa2a_10"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></description>
			<content:encoded><![CDATA[<p>I just wanted to remind you that Daylight Savings Time ends at 2:00 Pm on Sunday, November 6th. So, on Saturday night, make sure you move your clocks back an hour so you&#8217;ll be on time for your Sunday events.  Use the extra hour to change the batteries in your smoke alarms and flashlights. Keep <a href="http://www.spencerinsurance.com/blog/daylight-savings-time-ends-this-weekend/#more-713" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fdaylight-savings-time-ends-this-weekend%2F&amp;title=Daylight%20Savings%20Time%20ends%20this%20weekend%21" id="wpa2a_12"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Prepare Your Teen for Summertime Driving</title>
		<link>http://www.spencerinsurance.com/blog/prepare-your-teen-for-summertime-driving/</link>
		<comments>http://www.spencerinsurance.com/blog/prepare-your-teen-for-summertime-driving/#comments</comments>
		<pubDate>Tue, 21 Jun 2011 10:47:05 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Teen Driver Safety]]></category>
		<category><![CDATA[Cell phone ban]]></category>
		<category><![CDATA[driver education]]></category>
		<category><![CDATA[graduated drivers license]]></category>
		<category><![CDATA[Insurance Institute of Highway Safety]]></category>
		<category><![CDATA[parent of teen driver]]></category>
		<category><![CDATA[protect your home]]></category>
		<category><![CDATA[safe teen driver]]></category>
		<category><![CDATA[stress and the teen driver]]></category>
		<category><![CDATA[Teen Driver]]></category>
		<category><![CDATA[teen driver education]]></category>
		<category><![CDATA[teen driver/parent contract]]></category>
		<category><![CDATA[texting while driving]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=618</guid>
		<description><![CDATA[<p>Here are some tips from Ret. Master Police Officer III, James Poer. According to the National Highway Traffic Safety Administration (NHTSA), the time between Memorial Day and Labor Day is the deadliest for drivers 15-20 years of age. That means parents need to be especially vigilant in communicating and enforcing their expectations and rules related <a href="http://www.spencerinsurance.com/blog/prepare-your-teen-for-summertime-driving/#more-618" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fprepare-your-teen-for-summertime-driving%2F&amp;title=Prepare%20Your%20Teen%20for%20Summertime%20Driving" id="wpa2a_14"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></description>
			<content:encoded><![CDATA[<p>Here are some tips from Ret. Master Police Officer III, James Poer. According to the National Highway Traffic Safety Administration (NHTSA), the time between Memorial Day and Labor Day is the deadliest for drivers 15-20 years of age. That means parents need to be especially vigilant in communicating and enforcing their expectations and rules related <a href="http://www.spencerinsurance.com/blog/prepare-your-teen-for-summertime-driving/#more-618" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fprepare-your-teen-for-summertime-driving%2F&amp;title=Prepare%20Your%20Teen%20for%20Summertime%20Driving" id="wpa2a_16"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Letter to the Editor of Philadelphia Inquirer today.  This is the unedited version.</title>
		<link>http://www.spencerinsurance.com/blog/letter-to-the-editor-of-philadelphia-inquirer-today-this-is-the-unedited-version/</link>
		<comments>http://www.spencerinsurance.com/blog/letter-to-the-editor-of-philadelphia-inquirer-today-this-is-the-unedited-version/#comments</comments>
		<pubDate>Sun, 13 Mar 2011 20:08:07 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[Teen Driver Safety]]></category>
		<category><![CDATA[Cell phone ban]]></category>
		<category><![CDATA[costly mistake]]></category>
		<category><![CDATA[driver education]]></category>
		<category><![CDATA[drivers education]]></category>
		<category><![CDATA[graduated drivers license]]></category>
		<category><![CDATA[Insurance Institute of Highway Safety]]></category>
		<category><![CDATA[parent of teen driver]]></category>
		<category><![CDATA[parents of teen drivers]]></category>
		<category><![CDATA[referrals]]></category>
		<category><![CDATA[safe teen driver]]></category>
		<category><![CDATA[stress and the teen driver]]></category>
		<category><![CDATA[Teen Driver]]></category>
		<category><![CDATA[teen driver education]]></category>
		<category><![CDATA[teen driver expectations]]></category>
		<category><![CDATA[teen driver insurance]]></category>
		<category><![CDATA[teen driver/parent contract]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=514</guid>
		<description><![CDATA[<p>To the editor: March 8, 2011  Once again, our State Rep, Josh Shapiro, introduced legislation to ban the use of hand held cell phones and texting while driving.  Once again our elected officials failed us by not passing this ban.  We should be outraged!  Pennsylvania is one of a few states left that does not <a href="http://www.spencerinsurance.com/blog/letter-to-the-editor-of-philadelphia-inquirer-today-this-is-the-unedited-version/#more-514" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fletter-to-the-editor-of-philadelphia-inquirer-today-this-is-the-unedited-version%2F&amp;title=Letter%20to%20the%20Editor%20of%20Philadelphia%20Inquirer%20today.%20%20This%20is%20the%20unedited%20version." id="wpa2a_18"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></description>
			<content:encoded><![CDATA[<p>To the editor: March 8, 2011  Once again, our State Rep, Josh Shapiro, introduced legislation to ban the use of hand held cell phones and texting while driving.  Once again our elected officials failed us by not passing this ban.  We should be outraged!  Pennsylvania is one of a few states left that does not <a href="http://www.spencerinsurance.com/blog/letter-to-the-editor-of-philadelphia-inquirer-today-this-is-the-unedited-version/#more-514" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fletter-to-the-editor-of-philadelphia-inquirer-today-this-is-the-unedited-version%2F&amp;title=Letter%20to%20the%20Editor%20of%20Philadelphia%20Inquirer%20today.%20%20This%20is%20the%20unedited%20version." id="wpa2a_20"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Summertime means your Teen drivers are on the move</title>
		<link>http://www.spencerinsurance.com/blog/summertime-means-your-teen-drivers-are-on-the-move/</link>
		<comments>http://www.spencerinsurance.com/blog/summertime-means-your-teen-drivers-are-on-the-move/#comments</comments>
		<pubDate>Tue, 13 Jul 2010 16:00:24 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[Teen Driver Safety]]></category>
		<category><![CDATA[Cell phone ban]]></category>
		<category><![CDATA[costly mistake]]></category>
		<category><![CDATA[drivers education]]></category>
		<category><![CDATA[GPS monitoring system]]></category>
		<category><![CDATA[graduated drivers license]]></category>
		<category><![CDATA[Insurance Institute of Highway Safety]]></category>
		<category><![CDATA[parent of teen driver]]></category>
		<category><![CDATA[protect your home]]></category>
		<category><![CDATA[safe teen driver]]></category>
		<category><![CDATA[stress and the teen driver]]></category>
		<category><![CDATA[teen driver education]]></category>
		<category><![CDATA[teen driving contract]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=294</guid>
		<description><![CDATA[<p>Summertime means that your teen drivers are on the move.  That means they are spending more time driving your car.  They may be going to work, the pool, or a friend’s house.  This is a great time to remind them how to be a safe driver.  What can you do as a parent of a <a href="http://www.spencerinsurance.com/blog/summertime-means-your-teen-drivers-are-on-the-move/#more-294" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fsummertime-means-your-teen-drivers-are-on-the-move%2F&amp;title=Summertime%20means%20your%20Teen%20drivers%20are%20on%20the%20move" id="wpa2a_22"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></description>
			<content:encoded><![CDATA[<p>Summertime means that your teen drivers are on the move.  That means they are spending more time driving your car.  They may be going to work, the pool, or a friend’s house.  This is a great time to remind them how to be a safe driver.  What can you do as a parent of a <a href="http://www.spencerinsurance.com/blog/summertime-means-your-teen-drivers-are-on-the-move/#more-294" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fsummertime-means-your-teen-drivers-are-on-the-move%2F&amp;title=Summertime%20means%20your%20Teen%20drivers%20are%20on%20the%20move" id="wpa2a_24"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Summer Tips</title>
		<link>http://www.spencerinsurance.com/blog/summer-tips/</link>
		<comments>http://www.spencerinsurance.com/blog/summer-tips/#comments</comments>
		<pubDate>Tue, 25 May 2010 14:28:47 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[Home safety]]></category>
		<category><![CDATA[Value Added Services]]></category>
		<category><![CDATA[home insurance]]></category>
		<category><![CDATA[Insurance Institute of Highway Safety]]></category>
		<category><![CDATA[protect your home]]></category>
		<category><![CDATA[summer]]></category>
		<category><![CDATA[summer vacation tips]]></category>
		<category><![CDATA[vacation tips]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=231</guid>
		<description><![CDATA[<p>This weekend is Memorial Day weekend and that marks the unofficial start of summer.  As always we want to provide you with some tips to help make your summer an enjoyable experience.  A little preparation will help prevent you from having to file a claim, pay a deductible and see your auto or homeowner’s insurance <a href="http://www.spencerinsurance.com/blog/summer-tips/#more-231" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fsummer-tips%2F&amp;title=Summer%20Tips" id="wpa2a_26"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></description>
			<content:encoded><![CDATA[<p>This weekend is Memorial Day weekend and that marks the unofficial start of summer.  As always we want to provide you with some tips to help make your summer an enjoyable experience.  A little preparation will help prevent you from having to file a claim, pay a deductible and see your auto or homeowner’s insurance <a href="http://www.spencerinsurance.com/blog/summer-tips/#more-231" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fsummer-tips%2F&amp;title=Summer%20Tips" id="wpa2a_28"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></content:encoded>
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		<title>Send in your Prom Photos and you may win $100</title>
		<link>http://www.spencerinsurance.com/blog/send-in-your-prom-photos-and-you-may-win-100/</link>
		<comments>http://www.spencerinsurance.com/blog/send-in-your-prom-photos-and-you-may-win-100/#comments</comments>
		<pubDate>Thu, 13 May 2010 12:28:30 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[Teen Driver Safety]]></category>
		<category><![CDATA[driver education]]></category>
		<category><![CDATA[GPS monitoring system]]></category>
		<category><![CDATA[graduated drivers license]]></category>
		<category><![CDATA[Insurance Institute of Highway Safety]]></category>
		<category><![CDATA[parent of teen driver]]></category>
		<category><![CDATA[parents of teen drivers]]></category>
		<category><![CDATA[safe teen driver]]></category>
		<category><![CDATA[stress and the teen driver]]></category>
		<category><![CDATA[Teen Driver]]></category>
		<category><![CDATA[teen driving contract]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=247</guid>
		<description><![CDATA[<p>I have a special announcement for the parents and grandparents of High School  juniors and seniors. (Don&#8217;t worry if you are not a parent or grandparent of a junior or senior, forward this email to someone you know who is!) Spencer Insurance is pleased to sponsor the Montgomery Media&#8217;s Prom Photo Contest.  Send in your <a href="http://www.spencerinsurance.com/blog/send-in-your-prom-photos-and-you-may-win-100/#more-247" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fsend-in-your-prom-photos-and-you-may-win-100%2F&amp;title=Send%20in%20your%20Prom%20Photos%20and%20you%20may%20win%20%24100" id="wpa2a_30"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></description>
			<content:encoded><![CDATA[<p>I have a special announcement for the parents and grandparents of High School  juniors and seniors. (Don&#8217;t worry if you are not a parent or grandparent of a junior or senior, forward this email to someone you know who is!) Spencer Insurance is pleased to sponsor the Montgomery Media&#8217;s Prom Photo Contest.  Send in your <a href="http://www.spencerinsurance.com/blog/send-in-your-prom-photos-and-you-may-win-100/#more-247" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fsend-in-your-prom-photos-and-you-may-win-100%2F&amp;title=Send%20in%20your%20Prom%20Photos%20and%20you%20may%20win%20%24100" id="wpa2a_32"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Thank you for voting us #1</title>
		<link>http://www.spencerinsurance.com/blog/thank-you-for-voting-us-1-4/</link>
		<comments>http://www.spencerinsurance.com/blog/thank-you-for-voting-us-1-4/#comments</comments>
		<pubDate>Tue, 04 May 2010 14:20:47 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[Value Added Services]]></category>
		<category><![CDATA[accident]]></category>
		<category><![CDATA[costly mistake]]></category>
		<category><![CDATA[driver education]]></category>
		<category><![CDATA[Insurance Institute of Highway Safety]]></category>
		<category><![CDATA[True costs of insurance]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=216</guid>
		<description><![CDATA[<p>Montgomery Media has just announced it winners of the 2010 Reader&#8217;s Choice Awards. Thank you for voting us #1 Insurance Agency and #1 Life Insurance Agent for the third straight year. We appreciate your confidence and Trust in our Agency. Please remember to refer your friends and family to our agency so they we can <a href="http://www.spencerinsurance.com/blog/thank-you-for-voting-us-1-4/#more-216" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fthank-you-for-voting-us-1-4%2F&amp;title=Thank%20you%20for%20voting%20us%20%231" id="wpa2a_34"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></description>
			<content:encoded><![CDATA[<p>Montgomery Media has just announced it winners of the 2010 Reader&#8217;s Choice Awards. Thank you for voting us #1 Insurance Agency and #1 Life Insurance Agent for the third straight year. We appreciate your confidence and Trust in our Agency. Please remember to refer your friends and family to our agency so they we can <a href="http://www.spencerinsurance.com/blog/thank-you-for-voting-us-1-4/#more-216" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fthank-you-for-voting-us-1-4%2F&amp;title=Thank%20you%20for%20voting%20us%20%231" id="wpa2a_36"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<title>Spring Cleaning tips to help you avoid Homeowner’s claims.</title>
		<link>http://www.spencerinsurance.com/blog/spring-cleaning-tips-to-help-you-avoid-homeowner%e2%80%99s-claims/</link>
		<comments>http://www.spencerinsurance.com/blog/spring-cleaning-tips-to-help-you-avoid-homeowner%e2%80%99s-claims/#comments</comments>
		<pubDate>Tue, 23 Mar 2010 16:33:38 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[Home safety]]></category>
		<category><![CDATA[Value Added Services]]></category>
		<category><![CDATA[accident]]></category>
		<category><![CDATA[costly mistake]]></category>
		<category><![CDATA[drivers education]]></category>
		<category><![CDATA[Insurance Institute of Highway Safety]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=175</guid>
		<description><![CDATA[<p>Wow, what a winter!  I am certainly glad Spring will be here soon. After a winter like we just experienced there are many spring cleaning tips I can give you to help you reduce homeowner’s insurance claims and ultimately save you money.  Here are some tips: Change those batteries in all your smoke and carbon <a href="http://www.spencerinsurance.com/blog/spring-cleaning-tips-to-help-you-avoid-homeowner%e2%80%99s-claims/#more-175" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fspring-cleaning-tips-to-help-you-avoid-homeowner%25e2%2580%2599s-claims%2F&amp;title=Spring%20Cleaning%20tips%20to%20help%20you%20avoid%20Homeowner%E2%80%99s%20claims." id="wpa2a_38"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></description>
			<content:encoded><![CDATA[<p>Wow, what a winter!  I am certainly glad Spring will be here soon. After a winter like we just experienced there are many spring cleaning tips I can give you to help you reduce homeowner’s insurance claims and ultimately save you money.  Here are some tips: Change those batteries in all your smoke and carbon <a href="http://www.spencerinsurance.com/blog/spring-cleaning-tips-to-help-you-avoid-homeowner%e2%80%99s-claims/#more-175" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fspring-cleaning-tips-to-help-you-avoid-homeowner%25e2%2580%2599s-claims%2F&amp;title=Spring%20Cleaning%20tips%20to%20help%20you%20avoid%20Homeowner%E2%80%99s%20claims." id="wpa2a_40"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></content:encoded>
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