Spring time Driving Tips for Laurel, MD

Situated directly between the metropolises of Baltimore and Washington, D.C. is Laurel, Maryland, a small town of just over 25,000 people, many of which commute to these larger cities for work. If you’re one of those people who commute, you will probably spend a lot of money on gas since you will be driving so much. So here are some tips for getting great gas mileage if you live in Laurel, Maryland.


Tires with low air pressure will force your car to work harder when driving and cause you to get much worse gas mileage. So keeping them properly inflated is something that will take very little time and save you a lot of money.


Buy a hybrid or a smaller car that gets excellent MPG, as this will literally double your gas mileage when compared to bigger cars that aren’t built to be fuel efficient. Unless your livelihood requires you to have a truck or haul a lot of people or things, you really don’t need a big car, as they get terrible gas mileage and are more expensive to purchase in the first place. Also, make sure you have the right insurance for this vehicle, regardless of what you buy.Maryland state law requires all drivers to have a minimum amount of insurance that pays $30,000 per person and $60,000 per accident of bodily injury damage, $15,000 worth of property damage and the same coverage for uninsured motorist protection, in case the person who collides with you is illegally driving with no insurance themselves. Therefore, it’s important to not only have the right amount of insurance while driving in Maryland through a company like Mid Atlantic Insurance Financial who serves the Laurel area, but also to budget for this added cost to your monthly car bill.


Gunning it off the line and speeding well over the speed limit lead to a higher expenditure of gas, in turn leading to terrible gas mileage. Refrain from doing this and you will be amazed by the results.

Motorcycle Theft: 5 Things You Should Know

Do you love your motorcycle? Unfortunately, you may not be the only one.

Motorcycle theft is a common occurrence in the United States, and any bike that isn’t securely anchored to the ground — and even some that are — are vulnerable to being stolen. Popular sport-style motorcycles can be easily loaded into vans, trucks and trailers, and all kinds of bikes can be hotwired and driven away. Motorcycle theft peaks in the summertime when the weather is nice and more people are riding. Some motorcycles are stolen by joyriders, but most are taken to be broken down and sold for parts. Trained thieves can swipe your bike faster than you can use a gas station’s restroom.

Fortunately, you have options. These five tips can help prevent thieves from getting away with your motorcycle.

1) Use Two Disc Locks… with Alarms

Disc locks are great deterrents to keep criminals from riding off on your motorcycle. Buy two brands of disc locks and use one on each wheel. Also, only use disc locks with built-in alarms. This will alert anyone nearby that your bike is being tampered with.

2) Anchor Your Bike

Use a high-quality chain and U-lock to anchor your motorcycle to a light pole, a tree, or even your friend’s bike. Anchor your motorcycle even when parked in your garage at home. Also, make sure your lock is tightly suspended in the air so thieves can’t get leverage to easily break it.

3) Don’t Try to Hide Your Bike in Public

When parking in public places, you may be tempted to conceal your bike between larger vehicles or behind buildings. Don’t. You’re much better off leaving your bike in a well-lit area where it’s in plain sight of as many people as possible.

4) Get a Bike Cover

Don’t help criminals by showing them whether your motorcycle is what they’re after. Cover your bike whenever possible. This is especially important if you don’t have a garage.

5) Use a Tracking System

Vehicle tracking systems like LoJack are highly effective in helping police recover stolen vehicles. If a thief does manage to steal your motorcycle, a vehicle tracking system can be the difference in reclaiming your bike before it’s scrapped and sold.

Don’t get caught without motorcycle insurance coverage that might help protect you from financial loss. Contact Mid Atlantic Insurance Financial and see how much you could save with a policy.

Is Your Maryland Home Protected? 4 Tips

You work hard to make sure your family is always safe, but have you taken extra precautions around your home in case of an unexpected incident? Here are four tips for protecting your Maryland home against disaster.

Tip #1: Make Sure You Have a Plan

One of the easiest ways to ensure your home is protected against and unexpected disaster is by simply having a plan. Discuss with your family the easiest ways to escape during a fire and what to do if you are separated during a natural disaster. Keep a list of emergency contacts handy for use in an extreme circumstance. By simply having the conversation, you can help ensure everyone stays safe in the event of a crisis.

Tip #2: Have Emergency Lighting in Every Room

In case of an emergency, you will also want to have emergency lighting options in every room. This can include flashlights, candles, matches, or whatever else you need to illuminate the space in the event of an incident. If you are utilizing anything that takes batteries, make sure you also have extras stored alongside. Keeping these items spread out is crucial, as it prevents you from having to dig for them in a closet or drawer in the event of a crisis scenario.

Tip #3: Purchase a Fire Extinguisher

Having a fire extinguisher on hand is another way to keep your home and family safe. While most emergency service teams will respond in only a few minutes, that crucial time period between being able to put out the flames yourself or incurring more damage can be important.

Tip #4: Have the Right Level of Insurance Coverage

Another way to protect your home and family is by having the right level of property insurance coverage. At Mid Atlantic Insurance Financial, we work with our clients to review their current homeowner’s insurance coverage and determine whether or not it meets their financial needs and lifestyle. Please contact us today for further information.

Take a Tool Kit Along for the Ride

Having some tools in the trunk can help with emergency car repairs. Mid Atlantic Insurance Financial recommends that drivers have a tool kit and certain spare parts to help with emergency repairs.

Even those with roadside emergency service should have a tool kit and spare parts. There may be times, when driving in remote areas, when no cell phone signal is available to call for help. In wintertime, it is possible to stall out in the snow and it may take time to clear the roads so help can arrive. When help does arrive, it is extremely convenient to have the proper spare parts for the repair. This can avoid having to tow the vehicle, if making the repairs on the spot is possible by having the parts.

Tool kits are available that have some of what is needed. Here is a comprehensive checklist of items to consider, depending on the weather conditions:


  • Lug Wrench (cross-shaped) – Easier to turn, due to having more leverage than a single bar.
  • Socket and Wrench Set
  • Screwdrivers
  • Rubber Hammer
  • Inspection Light
  • Flashlight
  • Onboard Electronic Diagnostics Code Reader – Determines what triggered the “check engine light.”
  • Battery Cables
  • WD-40
  • Temporary Tire Repair Air Can or Air Pump
  • Work Gloves
  • Emergency Window Triangle
  • Road Flares
  • Extra Set of Keys – These are helpful if the vehicle has a button to pop open the trunk.


  • Two Headlamps
  • Tail light Bulbs
  • Spark Plugs
  • Belts
  • Oil Leak Stopper
  • 5 Quarts of Oil
  • Anti-freeze
  • Transmission Leak Stopper
  • Transmission Fluid
  • Windshield Wiper Blades
  • Set of Replacement Fuses


  • First Aid Kit
  • Drinking Water
  • Dehydrated Food Rations
  • Camper’s Cook Stove with solid fuel (safer)
  • Lighter
  • Sub-Zero Sleeping bag
  • Space Blanket

Mid Atlantic Insurance Financial encourages taking the added precaution to carry a tool kit, spare parts, and personal safety items in the trunk. We care about your safety. Contact us to make sure you have adequate coverage for your auto insurance needs.