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The world’s favorite irrational number, known as Pi (3.141592653) has a “day” devoted to it. That’s right, each March 14th, we devoted geeks celebrate Pi Day – 3/14 – make sense? If that’s not irrational enough, then how’s this: this year on 3/14/15 at 9:26:53 a.m. we don’t just get to match the first three digits of Pi but all TEN digits. If that’s not grand enough to impress you, then consider that this is the only moment in this century when that occurs.

If that still doesn’t pique your interest, then maybe you’d rather know about the new infographic by the Insurance Information Institute (III.ORG) showing 10 irrational insurance figures and facts.

One of the III’s irrational insurance facts relates to the use of motorcycle helmets: even though the use of a helmet has been proven to be 37% effective in preventing deaths among cyclists and about 67% effective in preventing brain injuries, the use of a motorcycle helmet is not universally required in the U.S. In fact, use of a helmet by a rider is only mandated in 19 states and D.C.

You’ll find the other nine Irrational Insurance Facts and Figures just as interesting. You can find the infographic,Irrational… Any Way You Slice It – Pi Day by the Numbers” on the III.ORG website.

Motorcycle Insurance Tip

Although using a helmet when you ride your bike is by most standards a prudent decision, it might also be a cost-saving decision. As with most types of insurance, motorcycle insurance offers certain discounts and options. If you have not done so lately, you’ll want to check with your insurance agent to explore your options and assure that you are receiving any discounts available and the best rate for your circumstances, whether wearing a helmet makes a difference or not.

Tags: motorcycle insurance, helmets, motorcycle helmet

We are always glad to help with any insurance questions or needs, here at the Daniel Howley Insurance Agency in Rockville, MD.  Why not contact us to discuss your options for motorcycle insurance or perhaps to review your current policy to be sure you have the best coverage at the best rate for your circumstances.



Planning a Great Summer Road Trip

We have all heard of the “Nightmare Road Trip” – where everything that could go wrong, did go wrong. Chances are that much of the trouble could have been avoided through advance planning. If you’re planning to take to the road this summer, then make a list and check it more than twice to be sure you have a safe, checked-out vehicle, well-packed bags, safety items and all those travel comforts to keep your passengers stress free. says: “A week or two before the big day arrives, make a list of everything you need to do and pack (and be sure you leave enough room so you can see out of your rear-view mirror). Here are some ideas to help…”

Read the entire article for a full list of tips and tricks to make your road trip a complete success every time.

Auto Insurance Tip

Just as important as a visit to your auto shop for a check-up of your car is a visit to your insurance agent for a check-up of your Auto Insurance to be sure you are properly covered for any problem before you hit the road. And, if you’ll be traveling in a rented vehicle, special insurance issues apply. So be sure to discuss your plans with your insurance agent to get the proper protection.

Here at Daniel Howley Insurance Agency, we are a full service insurance agency, offering auto/car insurance, homeowners insurance, business/commercial insurance and life insurance to Rockville MD, all of Maryland and Virginia. Our experienced insurance agents welcome the opportunity to discuss your coverage needs and questions at any time.


Maryland's Kids In Safety Seats Program

Did you know that motor vehicle crashes are the leading cause of unintentional injuries and death among children in the United States. In fact, on average in Maryland, 8 children under age 16 are killed and 3,200 seriously injured every year as motor vehicle passengers according to 2010 statistics.

In an attempt to reduce the injuries and death among Maryland’s children, the state passed a Child Passenger Safety law, effective October 1, 2013, applicable to both in-state and out-of-state vehicles, and requiring the following:

  • All children under the age of eight years to ride in an appropriate child restraint,* unless the child is 4’9” or taller.
  • Every child from 8 to 16 years old who is not secured in a child restraint must be secured in the vehicle’s seat belt, in every seating position in the vehicle.

Get the details regarding the Child Passenger Safety Law

Kids In Safety Seats (KISS)

KISS is a state-wide, non-profit program funded through a federal grant. The program is designed to help people to people to obtain and use car seats and booster seats correctly each time a child rides in a motor vehicle.

Kids In Safety Seats (KISS) provides a variety of services to Maryland families who are striving to keep their young passengers safe on the roads. Among them are:

  • Reduced cost purchase and special needs loaner programs
  • Training
  • Car Seat Inspections
  • Information Clearinghouse

Auto Insurance Tip

As you consider this important safety issue and assure that your vehicle is in compliance with Maryland’s new Child Passenger Safety Law, it is also a good time to check with your insurance agent to be sure that you have the best coverage to meet the needs of your family.

Feel free to contact our office at your convenience to have a Howley Insurance agent help you explore your options and offer you the peace of mind in knowing that you have a secure auto insurance plan in place.



Make It a Safe Halloween

Are you one of the many that looks forward to Halloween all year. Maybe you start planning months in advance. This spooky holiday is among the most festive and fun-filled. But the National Highway Traffic Safety Administration reports that Halloween is the most dangerous night of the year for kids walking the roadways. So, if you or your children will be out and about, there are some precautions to heed. warns of “Halloween safety dangers, like tripping and fire hazards” but suggests that “you can lower the risks of something bad happening with a few precautions”.

Read the entire ARTICLE for a list of tips to help keep your Trick or Treaters safe and happy.

Homeowners Insurance Tip

If you are expecting visits by trick or treaters or perhaps hosting a Halloween party at your home, you will want to be sure your Homeowners Insurance policy offers you the full protection you will need in the event of an accident on your property. The time to confirm that your coverage is in place is well before the event. So act now, by contacting your insurance agent for a policy review.  

Here at Daniel Howley Insurance Agency, we are a full service insurance agency, offering auto/car insurance, homeowners insurance, business/commercial insurance and life insurance to Rockville MD, all of Maryland and Virginia. Our experienced insurance agents welcome the opportunity to discuss your coverage needs and questions at any time.

How to Stay Safe in a Whiteout

Winter driving can be hazardous at best. But when snow and wind combine to produce a whiteout condition, your driving survival skills become most important. Obviously, if your forecast includes such conditions, the best course of action is to stay off the roads. But if you must drive, then heed these tips for safety:

  • Gradually slow down, bringing your speed down to what is suitable for the conditions. Not only will visibility be reduced, you will need more time and distance to stop or turn on the slippery roads.
  • Make all inputs to steering and braking smooth and gentle. Accelerating, braking or turning suddenly will could result in a spin or slide when traction is lost.

In “12 Tips for Driving in a Whiteout”, offers, “In many parts of the country, driving through wind and snow is just a part of your average winter. However, it’s not every day that you get caught driving in a whiteout… Drivers are often caught off guard when snow is being blown across roadways and visibility becomes virtually nonexistent. If weather conditions are bad enough, make an executive decision to stay home.”

Read the entire article to learn driving in a winter whiteout and how to best protect yourself.

Auto Insurance Tip

We all know we should be prepared in advance by having a survival kit in the car when driving during bad winter weather. Being prepared also means knowing in advance that you have all the insurance coverage you’ll need in case an accident does occur. Be sure also to take along your insurance agent’s phone number and your auto insurance policy information, just in case. A brief visit with your agent should assure you that you are sufficiently covered for your circumstances.

The Daniel Howley Insurance Agency in Rockville, MD, is a full-service insurance agency offering auto/car insurance, homeowners insurance, business/commercial insurance and life insurance to all of Maryland (MD) and Virginia (VA) since 1969. Our experienced insurance agents welcome your inquiries and are glad to discuss your coverage needs at any time.


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