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Vital Safety Tips while Driving in the Rain

The South Texas Drought continues but heavy rain in the forecast means now is a great time to share important safety tips on how to best drive on wet roads and highways.

Safety starts with replacing old worn windshield wipers, headlights, taillights, brake lights and turn signals. Make sure they work properly and during downpours, turn on your headlights so you can see better and so others can see you.

Proper tire tread depth and inflation are imperative on wet roadways. You can check the tread depth with a quarter inserted upside down into the tire groove. If you can see above Washington’s head, it’s time to start shopping for new tires. Also check each tire’s pressure, including the spare, at least once a month… and be sure to check the pressure when the tires are cold. Whether you’ve checked your car’s equipment or not, below are important things to know.

Three important Safety Tips to follow when driving in the rain.

Avoid Cruise Control

Cruise control is a common feature for most cars. This feature works great in dry conditions, but the chance of losing control of your vehicle increases on a wet road. You may need to reduce your car’s speed by lifting off the accelerator to avoid hydroplaning (which is when your tires rise up on a film of water). It is difficult to do this when cruise control is engaged.

It is important to concentrate fully on every aspect of driving when driving in the rain. Avoiding cruise control will allow you more options when responding to a potential loss-of-traction situation.

Slow Down and Leave Room in Front of you

Slowing down on a wet road is critical to reduce hydroplaning. You should reduce your speed based on the amount of water on the roadway and how hard it is raining. At speeds as low as 35 mph, new tires can still lose some contact with the roadway.

To further reduce your chances of hydroplaning, you should slow down, avoid hard braking or turning sharply. Remember to drive in the tracks of the vehicle ahead of you, but allow motorists ample stopping distance.

How to Respond to a Skid

Even careful drivers can experience skids. If you feel your car begin to skid, it’s important not panic and remember to follow these basic steps:

  • Continue to look and steer in the direction in which you wants the car to go.
  • Avoid slamming on the brakes as this will further disrupt your vehicle’s balance and make it harder to control.

Be extra cautious in wet weather! Slow down, avoid hard braking or sharp turns and allow ample stopping distance between you and the cars in front of you.

Bonus Tip

Avoid flowing and even standing water on the road… “Don’t Drown, Turn Around”. You don’t know what could be under that innocent looking puddle of water, did you know potholes grow and multiply during the rain? It is important to make sure to slow down and avoid standing water whenever possible.

These tips may seem elementary, but since it’s been so long since we’ve seen rain in South Texas now is a great time to remind ourselves what to do. Please share these vital safety tips with someone you care for… I just did.

Because We Care,

Ed Cantu

2018 Hurricane Season is Here!

ARE YOU Ready?

The 2018 Hurricane season begins June 1st but the first named Storm already caused havoc along the upper Gulf of Mexico coast. Now is your time to act since professional forecasters are expecting another active hurricane season. So, are you ready?

Hurricane Harvey is proof a small tropical wave can turn into a full blown Category 4 Hurricane and 130 mph winds or more with little warning. Do yourself and your family a favor and start your plan now!

Your Checklist of what You need to do first:

• Review and improve your Windstorm Insurance

Do you or someone you know still have a policy with the Texas Windstorm Insurance Association?  Do you know that the Texas Department of Insurance fears TWIA is financially unstable so they’ve encouraged insurance agents like me to help them depopulate TWIA’s policyholders?

Think I’m am kidding?

When a KRIS 6 news reporter asked TWIA… “What happens if a hurricane hits Texas this year?  Will TWIA have the money to pay back to back claims?”  The TWIA representative’s reply will send chills up you spine… “It remains to be seen.  There are things obviously that we need to consider?” Click below and watch for yourself!

Don’t risk everything you’ve worked so hard for and hope that TWIA will find the money to replace your home and precious belongs!  We offer an alternative Windstorm, Hurricane and Hail policy with a financially sound company at rates that are up to 15% less than TWIA’s rates!

My team of professional home and windstorm insurance specialist are ready to help you determine your best protection and offer alternative protection to save up to 37% on your home, wind, and flood insurance!  Call us today at (361) 991-3575 or click https://www.edcantuinsurance.com/windstorminsurance.php#quote  now for your personal protection review.

Because we care,

Ed Cantu

P.S. Windstorm, Hurricane and Hail protection is the first step you must take to make sure you are ready for Hurricane Season.  I will keep you abreast throughout the season.

Corpus Christi Area Flood Maps to Change!

Are You Ready for New Flood Maps and the new insurance rates they bring?

In case you missed the front page of the Caller Times last Sunday or if you weren’t aware of the proposed Preliminary flood map changes to our area, my office and I are here ready to help you better understand the upcoming changes and how they will affect your income.

Most of the changes effect areas along water ways like Oso Creek and Oso Bay (The Lakes, Colony Creek, Lago Vista, Reflections Kings Crossing and others). Some areas will get a better rating but most changes mean higher rates and more will soon require flood insurance when it was optional before. Our goal is to help you better understand how the changes effect you. Our agency has spent hours studying the preliminary flood maps so call us at (361) 991-3575 for help or if you choose, you can click this link  http://maps.riskmap6.com/TX/Nueces/ to compare yourself.

Corpus Christi Area Flooding in March of 2016.

Here is the quickest way to use this site if you choose to learn by yourself:

*Go to  http://maps.riskmap6.com/TX/Nueces/
*Click I Agree
* In the upper left hand section of the page, type in the address you are interested in (Search by Address) and then click search.
*Click Ok button.

The red Star on this map is the address that you selected.

A blue shaded color area means the flood zone is “A”, “AE” or worse and is prone to flooding. Your mortgage company will most likely require you to secure flood insurance when the home is in this area. 

Note that it is possible to be in a “C”, “B” or “X” Zone today, which qualifies for the Preferred Flood Program and preferred rates, and have the new preliminary maps change to an “A”, “AE” or worse.

Compare your old flood zone with new zone by clicking the i-image (Identify feature properties) on top of web-page. After you click on the i-image icon, click on the Red Star that marks the property & click on “View Detailed Flood Report”

Example: W. Bar-Le-Doc in Kings Crossing. Property is “X” zone now which qualifies for preferred flood program and preferred rates today. $450 for $250,000 protection. Preliminary Map shows Zone “AE-17”. Assuming home is built at that base elevation, the new rate would be $2,212 for $250,000.

If actual Base is one foot above at 18 feet, the revised rate would be $1,170 (Elevation certificate required). Each additional foot above base will reduce your rate further.

The new rates will be based on that Zone and that elevation above sea level but will be “Grandfathered” if you have a policy in place at the time that the new zone Maps are adopted. “Grandfathered” definition no longer means rates are fixed forever. The new definition is that the rate increases gradually (15-18% each year). Your rate could be less than the maximum “Grandfathered” rate when you provide a flood elevation that shows your home is higher than the base zone determination.

As you can see, this vital information is complicated and is difficult to explain in text so call us at Ed Cantu Insurance Agency today. We’d love to help you we are just a phone call or email away. Call (361) 991-3575 today or reply to my email now.

Because we Care

Ed Cantu
Trusted Insurance Advisor

See what your neighbors say about Ed Cantu Insurance:

“Ed Cantu is a great resource to have on your side. If you have a question about Auto, Home, Business, Health or Life ask Ed. He is a local favorite and Ed Cantu Insurance Agency delivers outstanding service to their clients.” Chris Duff, Broker/Owner RE/MAX Associates, Corpus Christi, TX

“I like recommending Ed Cantu Insurance Agency as they are always prompt and hunt for the best insurance policy to cover your needs. They are very competitively priced and get you the most for your money”. Lora Marksbury, Coldwell Banker Pacesetter Steel, Corpus Christi, TX.