Baby Car Seats
doug • August 11, 2022
Do I have the right baby car seat?
Baby Car Seats
Infant-only, convertible, all-in-one – many soon-to-be parents in Spartanburg don’t know where to begin when it comes to baby car seats. And, each choice has advantages and disadvantages.
Here are five things to keep in mind, from shopping for baby car seats to installation. This will help you find the right baby car seat for your precious cargo:
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Baby car seats: Know the pros and cons of each seat type.
Children usually outgrow infant-only seats within the first year. However, they offer a snug fit and allow you to quickly snap the baby carrier in and out. Convertible seats and all-in-ones have a longer life, but they sometimes aren’t as convenient. Both transform into forward-facing baby car seats, and an all-in-one seat becomes a booster, as well.
- Know when to use each type. The National Highway Traffic Safety Administration recommends using a rear-facing seat for as long as possible — through 12 months of age, at minimum. After kids reach the limits of rear-facing seats, often between ages 1-3, switch to forward-facing. When they outgrow those, usually between ages 4-7, it’s time for a booster. Finally, when a seat belt fits properly without a booster, your child is done with special seats! (They should still ride in back, though.)
- Don’t accept a used car seat unless you know everything about it. It should be within its service life (look for the expiration in the manual or on the seat) and not have been involved in an accident that caused injuries or forced air bags to deploy. And, of course, it should not be included in any recalls.
- Before you install, read the instructions. Baby car seats should be secured in the back seat with anchors or a seat belt. When you’re done, get a free inspection to check your handiwork, if possible.
- Check the fit. Harness straps should be flat and placed through the slot either at or below your child’s shoulders (rear-facing) or at or above the shoulders (forward-facing). When the harness and chest clip are secured, make sure no extra material can be pinched at the shoulder.
Knowing your child is secure in a correctly installed baby car seat helps you focus on distraction-free driving in the front. Your car insurance also offers peace of mind when you’re on the road. If it’s been awhile since your last insurance check-up, give us a call today. We’ll help ensure you have the right coverage.
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Ugh, My Rate Went Up for a Not-at-Fault Accident? It's the ultimate insurance head-scratcher. You're driving along, minding your own business, and then BAM! Some other driver turns your day into a metal-crumpled mess. But wait, it's not your fault! The police report says so, the other driver's insurance company agrees, and you're feeling pretty good about the whole thing. You and the other driver are not hurt and now your car is fixed. Then you get your renewal notice. Your heart sinks. Your insurance rate has gone up. But…why? Didn't we just establish that you were the innocent bystander in this whole debacle? It's a frustrating, perplexing situation that feels about as fair as getting a parking ticket for a car you don't even own. At Select Source Insurance, we hear this question a lot. We get it, it's maddening. So let's try to demystify this insurance riddle together, one slightly-less-maddening explanation at a time. The Crystal Ball of Risk Insurance companies are essentially professional fortune-tellers. They use all sorts of data to predict who is most likely to file a claim in the future. The "riskier" you appear, the more you're likely to pay for insurance. A not-at-fault accident, while not your fault in the traditional sense, can still be a blip on their risk radar. Here's what they're seeing: You're on the road more. If you're involved in an accident, even if it's not your fault, it indicates you're spending time on the road where these things happen. The more you drive, the higher the chance of being in an accident, even if you are the world's most defensive driver. Driving Habits: Even if you're not at fault, an accident can be a sign of unsafe driving habits. Consider this common scenario: you're following a car too closely, and they suddenly hit their brakes. You manage to stop in time, but the car behind you doesn't, resulting in a rear-end collision. While you may not be considered at fault, your decision to tailgate created a domino effect, leading to the crash. This is just one of many examples of how a lack of attention to safe driving practices can contribute to an accident. Stand Alone: This one incident, in and of by itself, may not impact the rate that much, but if another incident similar or different it will have more impact on the rate. The insurance company starts to see a pattern. The "Luck" Factor. Some insurance companies use a more statistical approach. They see that you've been in an accident, and their data might show that people who have been involved in one accident, even a not-at-fault one, are slightly more likely to be involved in another. It's not a judgment on your driving skills, but a cold, hard, and somewhat comical statistical reality. The Cost of Doing Business. Even in a not-at-fault claim, your insurance company might still have to pay for things. They might cover the rental car while your vehicle is being repaired or towing until they're reimbursed by the other driver's insurance. These costs, however small, are still part of a claim, and claims affect rates. The Solution: We Can Help! So, what's an innocent driver to do? The good news is, you're not stuck. This is precisely where being an independent insurance agency like Select Source Insurance makes all the difference. We aren't tied to a single insurance company. We work with a whole bunch of them! If one company decides to punish you for being a victim of circumstance, we can shop around for you. We can find a different insurance company that has a more favorable view of not-at-fault accidents. Think of us as your personal insurance matchmaker. We know which companies are more forgiving and which ones are more likely to raise rates for even the smallest claim. Our job is to find you a policy that offers great coverage without making you pay for someone else's mistake. The Bottom Line Yes, it's a bit ridiculous that your rates can go up for a not-at-fault accident. It's one of those bizarre insurance quirks that makes you want to shake your fist at the sky. But it's not a dead end. Give us a call. We'll do the shopping and negotiating for you. Let us find you a rate that reflects your driving, not someone else's.
Getting your Spartanburg vehicle tax refund: A guide from Select Source Insurance. Did you sell, trade, or wreck (as in a total loss) your vehicle? Did your vehicle get repossessed, or have you moved out of state? You may be eligible for a refund! We understand that navigating property taxes can be confusing, especially when life events like selling or wrecking a car come into play. Many Spartanburg residents don't realize they might be eligible for a refund on their vehicle property taxes in such situations. At Select Source Insurance, we're here to help clarify the process and ensure you get the refund you deserve. When are you eligible for a refund? Spartanburg County offers vehicle property tax refunds in several instances: Selling, Trading, Wrecking, or Repossessing a Vehicle Returning a Leased Vehicle Moving Out of State before your vehicle tag decal expires Transferring a tag does to another vehicle does not qualify What documentation do you need? The required documentation varies depending on why you are seeking a refund. The Spartanburg County Auditor's Office may require: a Bill of Sale Trade-in agreement A statement from your insurance or repossession company Documentation from the leasing company Your new out-of-state registration. How to apply for your refund? You can apply: in person by email: countyauditor@spartanburgcounty.org. by mail: to the Spartanburg County Auditor's office at 366 N. Church Street, Suite 200, Spartanburg, SC 29303 We're here to help Understanding vehicle property tax refunds can be complex. As your local independent insurance agency, we are here to assist with your car insurance needs and related questions. Here is a link: Spartanburg County Tax Refunds Also, did you know you can turn a vehicle tag in online? Yes, it is called a virtual tag turn in or decommissioning a tag. Here is the link: Decommission a Tag If you have questions about eligibility or need help with documentation, contact Spartanburg County. Informational purposes only. Check with the appropriate government entity for actual process.
Driving Smarter: Understanding South Carolina's New Hands-Free Law As your trusted independent insurance agency, we're committed to keeping you informed about important changes that impact your driving and, by extension, your insurance. South Carolina is taking a significant step towards safer roads with the new South Carolina Hands-Free and Distracted Driving Act, which goes into effect on September 1, 2025. This law is a crucial update to our state's distracted driving regulations, and it's essential for all drivers to understand its implications. What Does the New Law Prohibit? Beginning September 1, 2025, the new law prohibits drivers from using mobile electronic devices in the following ways while operating a motor vehicle on public roads: Holding or supporting a mobile device with any part of their body. This means no more holding your phone to your ear, resting it on your lap, or wedging it against your shoulder. Reading, composing, or transmitting texts, emails, app interactions, or website information on a mobile device. Watching any motion, including videos, movies, games, or video calls, on a mobile electronic device. It's important to note that this law applies to a broad range of "mobile electronic devices," including cellphones, portable computers, GPS receivers, and electronic games. Are There Any Exceptions? Yes, there are some specific exceptions where you can still use your device: When you are lawfully parked or stopped. When initiating a voice-based communication that is automatically converted to text, as long as you are not holding or supporting the device. When reporting an accident, emergency, or safety hazard to a public safety official. For navigation, listening to audio-based content, or obtaining traffic/road condition information, provided the device is not held or supported by your body. To initiate or end a cellular call without typing, and without holding or supporting the device. When using equipment or services installed by the original manufacturer of the vehicle. Penalties for Violations To allow drivers time to adjust, law enforcement officers will only issue warnings for violations during the first 180 days after the law goes into effect (from September 1, 2025). After this warning period, the penalties will be: First offense: A fine of $100. Second or subsequent offense (within three years): A fine of $200 and two points assessed against your driver's license. It's important to remember that officers can stop you if they have a clear and unobstructed view of you unlawfully using a mobile electronic device. While you cannot be arrested solely for a hands-free violation (unless you fail to appear in court or pay a fine), accumulating points on your license can impact your driving record and potentially your insurance rates. Why This Matters for Your Insurance Distracted driving is a leading cause of accidents. This new hands-free law aims to reduce those accidents, making our roads safer for everyone. For you, as a driver, adhering to this law is not just about avoiding fines and points; it's about reducing your risk of being involved in a collision. Fewer accidents can lead to: Lower insurance premiums: A clean driving record with no distracted driving violations can help keep your car insurance rates down. Avoiding claims: Preventing accidents means you won't have to go through the hassle of filing an insurance claim, dealing with repairs, or managing potential injuries. Protecting your deductibles: Each claim typically involves paying a deductible, so avoiding accidents saves you money out-of-pocket. As your independent insurance agency, we work with multiple carriers to find you the best coverage at the most competitive rates. By driving responsibly and complying with the new hands-free law, you're not only contributing to safer communities but also actively helping to protect your insurance standing. If you have any questions about how this new law might affect your specific insurance policy or if you'd like to review your current coverage, please don't hesitate to contact us. We're here to help you navigate these changes and ensure you're well-protected on the road.