Texting While Driving Increases Your Accident Risk by 23x


Oh, it’s tempting to respond to a buzz, tweet, chime or ding from our cell phones while driving – but doing so increases your risk of an accident a staggering 23x!


Think you can safely text while driving? Think again.

The National Highway & Transportation Administration (NHTSA) reported that texting and driving slows a driver’s judgement and reaction time in the same way that drinking two beers impairs a driver.

In both cases, drivers tend to follow too closely behind other vehicles, are not able to brake on time or have difficulty weaving or merging into traffic.

Consider the facts:

While we all may have put ourselves at greater risk by using our cell phones while driving, Teenagers are at the greatest risk of texting-related accident. Besides being the least experienced group of drivers, they are also among the heaviest users of texting apps. It can simply be too tempting for a Teenager to ignore a buzzing, tweeting, chiming or dinging phone.

With the risks of driving increasing every day as more and more people allow themselves to be distracted while driving, having the right insurance is vital for your protection. We’ll be happy to review your current policy and make sure you have the best possible value in price and protection.


300 Interpace Pkwy, Ste 400B

Parsippany, NJ 07054

(973) 394 – 0212




6 Things You Never Want the Quick Lube Guys to do to Your Car


It’s best and most cost-effective to change your own motor oil and filter, but if you need to stop in at a quick lube-type place, be prepared!  It is frequently the case that while you are waiting in the lobby that the technician informs of you certain situation(s) with your car that you really should take care of now. But keep in mind: It is a situation designed to put pressure on you.

Lots of pressure.

They will tell you that your manufacturer recommends a particular service, and  that you are overdue, right on it, or coming right up on it. These services typically focus on five high-profit, probably-not-needed services that they want you to pay for right now!

  1. Replace your cabin air filters
  2. High mileage oil
  3. Fuel system cleaning
  4. Brake fluid flush
  5. Transmission flush
  6. Transfer case or differential fluid change

Knowledge is power. So let’s take a deeper look at each high-pressure service.


  1. Replace Your Cabin Air Filter

Don’t fall for this one. This is one of the most successful car repair scams on the market. It goes like this: The mechanic tells you that your air filter is filthy and shows you a dark, dirty filter. But is that YOUR filter?  Some places keep a dirty filter on hand and try to make you think it’s yours and get your to buy a new one. Always make sure the filter you’re seeing is actually from your car! If you are convinced that it really is your filter, you’ll pay far too much for the filter they are selling you. You can buy filters on Amazon.com and watch a YouTube video to find out how easy they actually are to replace. You’ll save a ton.

  1. Upgrade to “High Mileage” Oil

    Quick lube places almost always recommend a High Mileage motor oil, which is supposed to provide better protection for your engine, and greater profits for the quick lube place. Auto experts say that simply starting with good quality synthetic motor oil will provide superior protection from the start, and that you never will need better oil as you get to higher mileage levels.

Use high-quality synthetic oil from the start. If you are driving a used car that you purchased, start using these same sorts of synthetic oils for maximum protection. You don’t need to pay for “high mileage” motor oil.

  1. Clean the Fuel System Cleaning

    It is true that over time, fuel injectors can get clogged up by deposits and residues in gasoline, and that certainly will have a negative effect on the combustion of the fuel. Yes, fuel systems need to be cleaned and while there are good fuel additives that you can add to a tank, those additives are not sufficient by themselves to keep the fuel system entirely clean.

Cleaning out the fuel system requires a special machine, a specific set of tools and an industrial-grade cleaner. These tools and cleaners are found in high-quality repair shops, but it is unlikely that a quick lube facility will have the specialized equipment necessary to do the job right.

Of course the quick-lube guy will insist that you need to get it done. But even if you really, really do, take it to a pro for a second opinion. Don’t get that work done at the quick lube.


  1. Flush the Brake Fluid

    Manufacturers generally do not recommend flushing the brake fluid as regular or semi-regular service. Flushing the brake fluid should be done if an inspection reveals that there is debris and rust in the master cylinder of the braking system – which indicated a broken seal or hydraulic cup.

    A simple inspection of the brake fluid is all that you need. Brake fluid that is clear, sits, at the proper level in its reservoir, and does not smell burnt means you have a healthy braking system. If the color is black or rust-colored, there is a problem – but be aware that a simple flushing will not repair problem. If you encounter dark, rust-colored, or burnt-smelling brake fluid, get your car to a professional mechanic right away. Don’t trust it to the quick-lube guys.

  2. Flush the Transmission Fluid

Read your owner’s manual to see if and when your manufacturer recommends flushing and replacing the transmission fluid and filter. Don’t take the quick-lube guy’s word on the subject.

There is simply too much to say here, so let’s jump right to the bottom line: Read your owner’s manual. But If you have a high mileage vehicle and the quick lube shop has recommended a fluid flush, get a second opinion from a drivetrain expert before proceeding…or you may pay the consequences.

  1. Change the Fluid in the Transfer Case or Differential

    Like the transmission fluid we just discussed, transfer cases are an area you don’t want to touch.

Different manufacturers use different fluids and each fluid is uniquely formulated for the respective transfer case application. There is just too much room for error when it comes to filling the unit with the wrong fluid. Never let a quick lube place touch your transfer case or differential. If you have any questions about either, talk to a drivetrain specialist or a dealership.


We’re happy to provide these tips for protecting your car, and your pocket book.

As insurance professionals, we can provide additional protection by making sure you have the proper coverages for your needs. Talk to us today about a quote for your auto(s).



300 Interpace Pkwy, Ste 400B

Parsippany, NJ 07054

(973) 394 – 0212



New Jersey Teachers $100 Gift Basket Giveaway!

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📝📝 📝📝     ATTENTION TEACHERS     📝📝📝📝

Start the new school year off right by entering into our drawing to WIN a Gift Basket filled with $100 worth of school supplies. Even if you are not a teacher, but you would like to nominate a teacher, you are more than welcome to enter your favorite teacher into our drawing.  There will be 5 WINNERS and they will be announced at 5:00PM on October 20, 2016 on our facebook page: The Archer Group Facebook Page.  Please click, Back to School $100 Gift Basket Giveaway! to be entered into our drawing.


Jason Archer

Owner/Founder of the Archer Group – Farmers Insurance Agency


Hagerty Car Insurance NJ

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Did you know Farmers Insurance joined forces with Hagerty, the world’s leading insurance provider for classic vehicles and host to the largest network of classic car owners?  Visit  My Website or call me at 973.394.0212 if you are interested in classic car insurance.  

Hagerty doesn’t just offer classic car insurance, but it also offers insurance for trucks, motorcycles, tractors, military vehicles, automotive tools and spare parts.  There are many perks for getting insurance with Hagerty such as flexible usage. Meaning, there is no restriction on mileage (as long as the vehicle is not a daily driver or backup vehicle), allowance for youthful drivers 18 years of age and above and permissive use by the owner for friends or relatives to drive the vehicle. 

In addition to flexible usage, Hagerty also has in-house classic experts. Meaning, their adjusters receive 80 hours of training in classic vehicle repair every year and have parts
specialists on staff whose only job is tracking down parts. Clients choose the repair shop or get paid to do the work themselves.

Interested in Hagerty Plus? Hagerty Plus is a comprehensive full-service roadside program designed specifically for classic cars and motorcycles. There are three optional levels of Hagerty Plus Roadside Service and Benefits which include:

  • Guaranteed flatbed towing with soft straps
  • 24 hours a day, seven days a week coverage in the U.S. and Canada
  • Dispatch for lockouts, battery jumps, tire changes, and emergency fuel delivery
  • Annual subscription to Hagerty magazine
  • “Ask Hagerty” service for any collector car related questions
  • Membership helps support the Hagerty Education Program and the Historic Vehicle Association


What To Do In An Accident

Being involved in a car accident can be a stressful, but it is extremely important to stay calm and follow some crucial steps to help get you back on the road.

I’m including this brief video that outlines the important steps that you need to follow if you’ve been involved in an accident.

Please click on image below to view video or Click Here

How to Protect Your Most Treasured Possessions

Do you own expensive jewelry, antiques, fine art, guns, furs or collectibles of any kind?

If so, it’s important that you are aware that these items may not be covered with your Standard Homeowners Policy. This brief video explains how adding a “floater” to your existing homeowners policy can help make sure your valuables are protected.

Please click on image below to view video or Click Here

Home Inventory Checklist

Creating a Home Inventory Checklist may not be at the top of your to-do list.
However in the event that your home becomes damaged or destroyed in a fire, windstorm, flood, theft, or other disaster, a Home Inventory List will be one of your greatest assets.

Please click on image below to view video or Click Here

Identity Theft

Did you know that everyday there are 28,000 victims of identity theft in the US? Yes, the unfortunate reality is that every 3 seconds, someone is the victim of some sort of identity related crime.

We’ve made this brief video to give you some tips on how you can protect you and your family against identity theft.

Please click on image below to view video or Click Here


Mother’s Day in Northern New Jersey

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Did you know that Mother’s Day is next weekend {May 8, 2016}? Just like everything else, birthdays, holidays, and Mother’s Day can all creep up on us. Even though this special day is only a weekend away, I have no clue how I will be celebrating this day with my mother.  Fortunately for those of us living in the Northern New Jersey area, there are a lot of things for you and me to choose from if you want to treat your mom to a special day out on the town. Here are a few ideas:

  • Dog lovers: If your mom is dog lover, and you know this day would not be the same unless her pooch was by her side, you have quite a few options to choose from such as:
    • If your mom has a dog, chances are she likes to walk it. Why not take your mom and her pet on one of the most beautiful trails in NJ, Buttermilk Falls Trail located in Layton, NJ in Sussex County. Buttermilk Falls trail is a 7.5 mile trail great for the kids and of course the dogs too. On this trail you will see beautiful wildflowers, plants and trees. You will trek part of the Appalachian Trail. There is tons of wildlife and birds. You and your mom will relish waterfront views of Crater Lake and Hemlock Pond. I haven’t even told you the best part yet. If you take this hike, you will have the pleasure of seeing New Jersey’s tallest waterfall at over 200ft called Buttermilk Falls. To learn more visit: http://www.onlyinyourstate.com/new-jersey/nj-waterfall-hike/.Flickr_-_Nicholas_T_-_Buttermilk_Falls_(Front_View)
    • Want to take your mom out to lunch and bring the dog along? Morristown Deli offers a relaxing, tranquil outdoor café where you can sit and have lunch with your pooch. If your mom treats your dog like a baby, this is the place for her. Morristown Deli will give your mom’s dog a highchair or boaster, a bib, his or her own doggie menu, a bowl of water and some special doggie treats. To learn more visit: http://morristowndeli.com/outsidecafe.html.dog in baby bid
  • Antique lovers: Does one of your mother’s favorite hobbies include collecting antiques? Why not bring her around to one of Northern New Jersey’s best and largest antique shops called Lafayette Mill Antiques Center in Lafayette Twsp with over 50 unique dealers and over 20,000sq ft. To learn more visit: http://www.visitnj.org/nj-antiquing/lafayette-mill-antiques-center. If you think your mom would be more comfortable in less intimidating, smaller antique shop, give Grey Barn Antiques in Andover a try. This place has over 30 unique dealers, but it is only a little over 2,000sq ft and it accepts dogs as long as they are on a leash. To learn more about this antique shop visit: http://greybarnantiques.com/.grey
  • Fishermen or Fisherwomen: Does you mom like to fish?
    • Stephens State Park has been called the best NJ state park for fishing. It is located in Hackettstown, NJ or the Warren County area.  The Musconetcong River is a hotspot for people who love to fish. Not only is it a beautiful river, but also it has tons of fish with trout fish being the most popular. If you have children, this place is great for the kids too! It has picnic areas and a playground for children of every age. If the fish aren’t biting, you can always walk along the river or hike one of the many trails. To learn more click here: http://www.state.nj.us/dep/parksandforests/parks/stephens.html.Rainbow-Trout
  • For the kids: Are there small children in your family? Why not take the family to Space Farms Zoo for Mother’s Day?
    • Space Farms is a great place for the kids because of its playground, ice cream stand and petting zoo feature. On Sunday, May 8th there is actually a free drawing to win a season pass! In addition, on that day there will be special nursing feedings to celebrate Mother’s Day. With over 100 species and 500 live animals, you, your mom and the kids will definitely not be bored! Check out this link to learn more: http://www.spacefarms.com/zoo.html.
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  • Flowers: What woman do you know who doesn’t like flowers? Every woman likes flowers even if they say they don’t.
    • The State Botanical Garden in Ringwood, NJ is one the prettiest gardens in all the state. There are thousands different plants here and all kinds of beautiful flowers. According to their site, the Lilac Garden is at its best in the middle of May, so you don’t want to miss this specialty garden. To learn more visit: http://www.njbg.org/gardens.shtml.
    • If you don’t feel like taking your mom to a beautiful garden filled with flowers, you can always buy her a beautiful bouquet of them at a local store. One of the best flowers shops in the Morris County area is Candle-Lite in Denville, NJ. It has been voted best Florist in Morris County in the Reader’s Choice Daily Record. They have some of the most beautiful flower arrangements for every occasion such as birthdays, anniversaries, weddings and of course Mother’s Day! To learn more visit: http://www.flowersbycandlelite.com/.garden
  • The Mall: Every woman likes to shop. Why not take your mom to one of the most beautiful malls in New Jersey… Short Hills Mall!
    • The mall is great back-up plan in case the weather doesn’t cooperate with your plans. According to the long range 10-day forecast, Sunday is supposed to be high 72 degrees and partly cloudy. That is the forecast for me at least. I live in Warren County, NJ in Belvidere, but I am guessing that the rest of Northern NJ will have a similar forecast.
    • This mall is not your average, run of the mill mall. There are over 100 specialty stores with beautiful window displays your mom will love. If your mom has a small dog, it is more than welcome here. She should put him or her in a carrier, and if she doesn’t have a carrier, she can rent out a stroller at the mall for the little one.
    • To make your life easy and convenient, there a free mobile app for the mall that you can download to your phone to easily navigate around the mall using the map feature, find offers and special sales, or save your favorite stores.
    • To learn more visit: http://www.shopshorthills.com/.short hills

Every mom is different, so it’s hard for me to give you advice on how you should spend this special day with her, but hopefully you found this information helpful or you got some ideas from it. Hope you have a great day with your mom next weekend.

Good luck!

Jason Archer

Agency Owner of the Archer Group – Farmers Insurance Agency

300 Interpace Pkwy, Ste 400B

Parsippany, NJ 07054