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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, 07 Sep 2010 15:12:56 +0000</lastBuildDate>
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		<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[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 [...]]]></description>
			<content:encoded><![CDATA[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 teen [...]<p class="addtoany_share_save_container">
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		</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[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 [...]]]></description>
			<content:encoded><![CDATA[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 rates [...]<p class="addtoany_share_save_container">
    <a class="a2a_dd addtoany_share_save" href="http://www.addtoany.com/share_save?sitename=Spencer%20Insurance%20Blog&amp;siteurl=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2F&amp;linkname=Summer%20Tips&amp;linkurl=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fsummer-tips%2F"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_120_16.png" width="120" height="16" alt="Share/Save/Bookmark"/></a>

	</p>]]></content:encoded>
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		</item>
		<item>
		<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[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 [...]]]></description>
			<content:encoded><![CDATA[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 Prom [...]<p class="addtoany_share_save_container">
    <a class="a2a_dd addtoany_share_save" href="http://www.addtoany.com/share_save?sitename=Spencer%20Insurance%20Blog&amp;siteurl=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2F&amp;linkname=Send%20in%20your%20Prom%20Photos%20and%20you%20may%20win%20%24100&amp;linkurl=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fsend-in-your-prom-photos-and-you-may-win-100%2F"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_120_16.png" width="120" height="16" alt="Share/Save/Bookmark"/></a>

	</p>]]></content:encoded>
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		</item>
		<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[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 [...]]]></description>
			<content:encoded><![CDATA[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 provide them with [...]<p class="addtoany_share_save_container">
    <a class="a2a_dd addtoany_share_save" href="http://www.addtoany.com/share_save?sitename=Spencer%20Insurance%20Blog&amp;siteurl=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2F&amp;linkname=Thank%20you%20for%20voting%20us%20%231&amp;linkurl=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fthank-you-for-voting-us-1-4%2F"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_120_16.png" width="120" height="16" alt="Share/Save/Bookmark"/></a>

	</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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[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 [...]]]></description>
			<content:encoded><![CDATA[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 monoxide detectors. [...]<p class="addtoany_share_save_container">
    <a class="a2a_dd addtoany_share_save" href="http://www.addtoany.com/share_save?sitename=Spencer%20Insurance%20Blog&amp;siteurl=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2F&amp;linkname=Spring%20Cleaning%20tips%20to%20help%20you%20avoid%20Homeowner%E2%80%99s%20claims.&amp;linkurl=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fspring-cleaning-tips-to-help-you-avoid-homeowner%25e2%2580%2599s-claims%2F"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_120_16.png" width="120" height="16" alt="Share/Save/Bookmark"/></a>

	</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Daylight Savings Time Reminders</title>
		<link>http://www.spencerinsurance.com/blog/daylight-savings-time-reminders/</link>
		<comments>http://www.spencerinsurance.com/blog/daylight-savings-time-reminders/#comments</comments>
		<pubDate>Tue, 16 Mar 2010 16:19:53 +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[costly mistake]]></category>
		<category><![CDATA[Insurance Institute of Highway Safety]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=171</guid>
		<description><![CDATA[Well, last weekend we moved our clocks ahead one hour for Daylight Savings Time.  Let&#8217;s hope this is a sign that Spring has arrived.  What a winter!!!  Time to think about lying on the beach at the Jersey Shore! Daylight Savings Time is also a great time to remember to change the batteries in your [...]]]></description>
			<content:encoded><![CDATA[Well, last weekend we moved our clocks ahead one hour for Daylight Savings Time.  Let&#8217;s hope this is a sign that Spring has arrived.  What a winter!!!  Time to think about lying on the beach at the Jersey Shore!
Daylight Savings Time is also a great time to remember to change the batteries in your smoke [...]<p class="addtoany_share_save_container">
    <a class="a2a_dd addtoany_share_save" href="http://www.addtoany.com/share_save?sitename=Spencer%20Insurance%20Blog&amp;siteurl=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2F&amp;linkname=Daylight%20Savings%20Time%20Reminders&amp;linkurl=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fdaylight-savings-time-reminders%2F"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_120_16.png" width="120" height="16" alt="Share/Save/Bookmark"/></a>

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		<title>New Advocacy group formed to combat distracted drivers</title>
		<link>http://www.spencerinsurance.com/blog/new-advocacy-group-formed-to-combat-distracted-drivers/</link>
		<comments>http://www.spencerinsurance.com/blog/new-advocacy-group-formed-to-combat-distracted-drivers/#comments</comments>
		<pubDate>Thu, 14 Jan 2010 14:24:26 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[accident]]></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[protect your home]]></category>
		<category><![CDATA[safe driving]]></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 Safety]]></category>
		<category><![CDATA[teen driver/parent contract]]></category>
		<category><![CDATA[teen driving contract]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=156</guid>
		<description><![CDATA[In a recent blog I suggested to everyone that you should be outraged at the fact that Pennsylvania does not have stricter teen driver safety laws. Now an organization has been formed to target distracted drivers.   As U.S. Transportation Secretary Ray LaHood states “Every single time you take your eyes off the road or talk [...]]]></description>
			<content:encoded><![CDATA[In a recent blog I suggested to everyone that you should be outraged at the fact that Pennsylvania does not have stricter teen driver safety laws.
Now an organization has been formed to target distracted drivers.   As U.S. Transportation Secretary Ray LaHood states “Every single time you take your eyes off the road or talk on [...]<p class="addtoany_share_save_container">
    <a class="a2a_dd addtoany_share_save" href="http://www.addtoany.com/share_save?sitename=Spencer%20Insurance%20Blog&amp;siteurl=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2F&amp;linkname=New%20Advocacy%20group%20formed%20to%20combat%20distracted%20drivers&amp;linkurl=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fnew-advocacy-group-formed-to-combat-distracted-drivers%2F"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_120_16.png" width="120" height="16" alt="Share/Save/Bookmark"/></a>

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		<slash:comments>0</slash:comments>
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		<item>
		<title>Free Online Home Study Driving Course Offered to Parents to Teach Their Teens to Drive Safely</title>
		<link>http://www.spencerinsurance.com/blog/free-online-home-study-driving-course-offered-to-parents-to-teach-their-teens-to-drive-safely/</link>
		<comments>http://www.spencerinsurance.com/blog/free-online-home-study-driving-course-offered-to-parents-to-teach-their-teens-to-drive-safely/#comments</comments>
		<pubDate>Tue, 05 Jan 2010 20:01:53 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[accident]]></category>
		<category><![CDATA[Cost of Insurance]]></category>
		<category><![CDATA[driver education]]></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[parents of teen drivers]]></category>
		<category><![CDATA[safe driving]]></category>
		<category><![CDATA[safe teen driver]]></category>
		<category><![CDATA[safe teen driving]]></category>
		<category><![CDATA[seat belt]]></category>
		<category><![CDATA[stress and the teen driver]]></category>
		<category><![CDATA[teen consequences]]></category>
		<category><![CDATA[Teen Driver]]></category>
		<category><![CDATA[teen driver bumper sticker]]></category>
		<category><![CDATA[teen driver education]]></category>
		<category><![CDATA[Teen Driver Safety]]></category>
		<category><![CDATA[teen driver/parent contract]]></category>
		<category><![CDATA[Teen drivier]]></category>
		<category><![CDATA[teen driving]]></category>
		<category><![CDATA[teen driving contract]]></category>
		<category><![CDATA[teen safety]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=152</guid>
		<description><![CDATA[Tragically car accidents continue to be the primary cause of teenager deaths.  In our area we had three accidents that caused the death of 6 teen drivers in two months.  I have teamed up with  the Society of Family Insurance Specialists (SFIS) in striving to reduce that statistic by  providing parents a free online 16 step [...]]]></description>
			<content:encoded><![CDATA[Tragically car accidents continue to be the primary cause of teenager deaths.  In our area we had three accidents that caused the death of 6 teen drivers in two months. 
I have teamed up with  the Society of Family Insurance Specialists (SFIS) in striving to reduce that statistic by  providing parents a free online 16 step ‘Teach [...]<p class="addtoany_share_save_container">
    <a class="a2a_dd addtoany_share_save" href="http://www.addtoany.com/share_save?sitename=Spencer%20Insurance%20Blog&amp;siteurl=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2F&amp;linkname=Free%20Online%20Home%20Study%20Driving%20Course%20Offered%20to%20Parents%20to%20Teach%20Their%20Teens%20to%20Drive%20Safely&amp;linkurl=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Ffree-online-home-study-driving-course-offered-to-parents-to-teach-their-teens-to-drive-safely%2F"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_120_16.png" width="120" height="16" alt="Share/Save/Bookmark"/></a>

	</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>You should be outraged!</title>
		<link>http://www.spencerinsurance.com/blog/you-should-be-outraged/</link>
		<comments>http://www.spencerinsurance.com/blog/you-should-be-outraged/#comments</comments>
		<pubDate>Mon, 28 Dec 2009 21:38:45 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[accident]]></category>
		<category><![CDATA[Cell phone ban]]></category>
		<category><![CDATA[costly mistake]]></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 driving]]></category>
		<category><![CDATA[safe teen driver]]></category>
		<category><![CDATA[safe teen driving]]></category>
		<category><![CDATA[seat belt]]></category>
		<category><![CDATA[stress and the teen driver]]></category>
		<category><![CDATA[teen consequences]]></category>
		<category><![CDATA[Teen Driver]]></category>
		<category><![CDATA[teen driver bumper sticker]]></category>
		<category><![CDATA[teen driver education]]></category>
		<category><![CDATA[teen driver expectations]]></category>
		<category><![CDATA[teen driver insurance]]></category>
		<category><![CDATA[Teen Driver Safety]]></category>
		<category><![CDATA[teen driver/parent contract]]></category>
		<category><![CDATA[Teen drivier]]></category>
		<category><![CDATA[teen driving]]></category>
		<category><![CDATA[teen driving contract]]></category>
		<category><![CDATA[winter driving tips]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=148</guid>
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In December there were three fatal accidents in our area taking the lives of six teen passengers.
 In 41 states there are Teen Driver Laws that limit the number of passengers that can be in a teen driver’s car.  Sadly, Pennsylvania is one of nine states without a law limiting the number of passengers in a [...]<p class="addtoany_share_save_container">
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		<title>Driving is a “Privilege” not a “Right”</title>
		<link>http://www.spencerinsurance.com/blog/driving-is-a-%e2%80%9cprivilege%e2%80%9d-not-a-%e2%80%9cright%e2%80%9d/</link>
		<comments>http://www.spencerinsurance.com/blog/driving-is-a-%e2%80%9cprivilege%e2%80%9d-not-a-%e2%80%9cright%e2%80%9d/#comments</comments>
		<pubDate>Tue, 08 Sep 2009 15:53:53 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[Teen Driver Safety]]></category>
		<category><![CDATA[accident]]></category>
		<category><![CDATA[Cost of Insurance]]></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[parents of teen drivers]]></category>
		<category><![CDATA[safe driving]]></category>
		<category><![CDATA[teen driver insurance]]></category>
		<category><![CDATA[Teen drivier]]></category>
		<category><![CDATA[teen driving]]></category>
		<category><![CDATA[teen driving contract]]></category>
		<category><![CDATA[teen safety]]></category>
		<category><![CDATA[True costs of insurance]]></category>

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		<description><![CDATA[Fall is “Back to School” time.  This means more traffic on the roads especially in the morning as parents take their children to school.  It is also a time when more teen drivers are on the road and we need to be more alert.  This is a great time to remind your teen drivers that [...]]]></description>
			<content:encoded><![CDATA[Fall is “Back to School” time.  This means more traffic on the roads especially in the morning as parents take their children to school.  It is also a time when more teen drivers are on the road and we need to be more alert.
 This is a great time to remind your teen drivers that driving [...]<p class="addtoany_share_save_container">
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