Category Archives: Product

car seat safety

Car Seat Safety

Category : Auto Insurance , General

The Right Car Seat for Your Child
Infant-only, convertible, all-in-one – many soon-to-be parents in RVA don’t know where to begin when it comes to car seats. And, each choice has advantages and disadvantages.

Here are five things to keep in mind, from shopping to installation, to help you find the right seat for your precious cargo:

  1. 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 seats, and an all-in-one seat becomes a booster, as well.

  2. 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.)

  3. 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.

  4. Before you install, read the instructions. 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.

  5. 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 the back 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. Give us a call 804-320-0129 or email myagent@kmmicoverage.com


Solar Panels

Solar Panels

What to Know Before You Go Solar
Solar panels can be economically and environmentally sound, and they’re more accessible than ever. According to one research firm, U.S. homes and businesses installed a new system every four minutes in 2013.

But, is solar power right for you here in RVA? To help you address the question, here are five things to think about before making the switch:

  1. The different options for installing a solar system. Oftentimes you don’t have to foot the full cost of going solar yourself. Instead, you may be able to lease a system from a company that installs and maintains it, or enter into an agreement where a third party actually owns the system and bills you (likely at a reduced rate) for electricity. Just keep in mind that installing and owning your own system may provide the best long-term return, and tax credits or rebates may help to lower upfront costs.

  2. Your current energy costs — and your future needs. Depending on your situation, you could have relatively low energy bills now and not be as motivated to pursue solar as someone with higher costs. But what does the future look like? If your family is growing, your energy costs are probably about to grow, too, and investing in solar might be worth your while.

  3. The power a system would generate. Have a reputable solar company measure the amount of sun your home gets, taking into account things such as shade, trees, etc., so you can make an informed decision about expected savings.

  4. What your homeowners policy says. With any improvement that increases the value of your home, you need to make sure your insurance policy reflects the change. Give us a call to see if your policy already covers solar panels. If it doesn’t, we can help you amend it.

  5. Your goals. Are you mainly looking to save money? Help the environment? Both? Knowing your goals will help you determine whether solar is the right choice for you, as well as which option makes the most sense. No matter what you choose, even considering solar means you’re thinking about energy a little differently. And that’s a good thing.


Renewable power – it can help protect your from rising energy costs and even power outages, not to mention the good it does for the environment. Just be sure to consider your options and all the costs involved before making the leap. Give us a call to learn more 804-320-0129 or email smagee@kmicoverage.com.


Increased Driving Costs

Increased Driving Costs

Recent Trends Boost Costs for RVA Drivers

Does it seem like driving has become more expensive in RVA in recent years? It likely has. Since 2014, the U.S. has seen more new cars on the road, and those cars are driving more miles than in years past. The severity of traffic-related accidents has grown worse, and insurance claims for bodily injury have become more expensive. Together, these factors are increasing the cost of driving for just about every car owner.

More new cars: New car sales hit a new record in 2015, just under 17.5 million vehicles sold, up 5.7 percent from 2014, according to PricewaterhouseCoopers. That’s good for the economy. And, the safety, technology and convenience features that get better every year are good for drivers. Still, new cars can be more expensive to repair or replace, and all that technology doesn’t come cheap. So, the cost of accident repairs is also increasing.

More miles driven: Encouraged by greater employment and lower gas prices, those new cars, along with the older ones, are driving more miles. Whether commuters driving in to RVA each day, or families making the trip to the beach or mountains, U.S. drivers drove 3.1 trillion miles in 2015, according to the Federal Highway Administration. That’s another record, and it’s also highest number of miles driven since Americans logged 3 trillion miles in 2007, just before the recession. Of course, the more miles driven, the greater the potential for accidents and the need for repairs.

Traffic deaths increase: Any traffic fatality is one too many, but the U.S. registered a 7.2 percent increase in annual traffic-related deaths from 2014 to 2015. It was the largest increase since 1966. Half of those who died were not wearing seat belts, a third of the deaths were due to drunk drivers or speeding and at least one in 10 involved distraction. It’s also worth noting that fatalities for pedestrians, bicyclists and motorcyclists increased more in 2015 than those for auto drivers and passengers. It’s a heartbreaking trend that’s both dangerous and costly.

Medical costs rising: From 2005 to 2013, the average cost for a bodily injury liability claim rose 32.1 percent, according to the Insurance Research Council. These increasing costs have been attributed to a number of factors, including the rising severity of accidents, and the rising cost of medical care. And, they come at a time when the frequency of such claims has been declining.

Distracted driving: Although using a mobile phone while driving is restricted, if not prohibited, in many states, cell phones and texting continue to be a serious cause of accidents. We don’t know just how serious this problem is, because accident reports often don’t mention if mobile phone use was a contributing factor.

But, cell phones have brought greater awareness to the larger category termed “distracted driving,” activities that take the driver’s attention away from the road. Distracted driving means using a cell phone or texting while operating a car, but can also refer to eating while driving, operating your car’s navigation system and conversing with passengers. 

The AAA Foundation points to federal estimates that distracted driving contributes to 16 percent of the nation’s fatal crashes, about 5,000 deaths annually.

All of these rising costs and dangers impact another area of driving, too – auto insurance costs. You might see it reflected in your own premium bill, and be tempted to reduce your costs by reducing your insurance coverage. But, at a time when the risk of costly accidents is rising, it may not be wise to save money by undercutting your protection against financial loss

As an independent insurance agency, KNIGHT MAGEE INSURANCE is dedicated to helping you reduce your insurance costs without sacrificing the protection that gives you a feeling of security. We know where to find discounts that can benefit you. That could mean a better rate for cars with safety equipment such as anti-lock brakes (ABS) or anti-theft devices, or discounts for families who put less mileage on their vehicles or insure more than one car on the same policy. At Knight Magee Insurance we can help you save money without sacrificing your security. Call us today 804-320-0129 or email myagent@kmicovergae.com          


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