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  • About
        • Our Agency
        • Skeele Insurance Agency has a rich history of serving and protecting both the people and businesses of upstate New York for more than 60-years.

          What started out as a single location in the home of its founder, Col. Charles W. Skeele, is now a six-location agency with a staff of local professionals representing dozens of regional and national companies.

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        • Our Agents
        • When comparing insurance agencies, you will find a number of things that differentiate one agency from another. The most important difference is the staff that is going to take care of you.

          Our staff of local professionals that take pride in what they do. Whether it be providing advice, taking care of a claim, or servicing your account to accommodate your changing lifestyle.

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        • Our Companies
        • Skeele Insurance Agency is an independent insurance agency. We represent dozens of top-rated companies, not just one such as Farmers, State Farm, or American Family.

          By representing multiple companies, we can assure our customers the right fit, which includes the right coverage and a great value when it comes to price.

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        • Reviews
        • For years people have relied on the opinion of others when shopping for a product or service. That is especially true today.

          Online reviews are fast becoming an important part of many businesses, including our own. Take a moment to read a few of the kind words our customers have had to say about our agency.

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  • Latest News
    • Our Insurance Blog

      Every so often we publish an article that we think would be of interest to our policyholders. Check back often to learn about personal and commercial insurance, risk management, safety, or home maintenance.

    • Recent Posts

      • What is Full Coverage Car Insurance? November 5, 2019
      • Identity Theft Insurance – Do You Need It? October 16, 2019
      • Driving Without Insurance – Who Pays? September 10, 2019
      • Replacing or Repairing Your Cracked Windshield August 7, 2019
      • Protecting Your Home When Away July 9, 2019
  • Locations
        • Waterville
        • 125 W Main St., Waterville, NY 13480
          Phone: 315-797-3515
          Emergency: 315-436-1458 Mike Skeele
          Fax: 315-682-5143
          Email: watervilleoffice@skeele.com

        • Moravia
        • 10 Central St., Moravia NY 13118
          Phone: 315-497-0410
          Emergency: 315-436-1459 Matt Skeele
          Fax: 315-682-5143
          Email: moraviaoffice@skeele.com

        • Manlius
        • 226 Fayette St., Manlius, NY 13104
          Phone: 315-682-5141
          Emergency: 315-436-1458 Mike Skeele
          Fax: 315-682-5143
          Email: Manliusoffice@skeele.com

        • Chittenango
        • 920A East Genesee St., Chittenango, NY 13037
          Phone: 315-687-3901
          Emergency: 315-480-2525 Shawn Skeele
          Fax: 315-682-5143
          Email: Chittenangooffice@skeele.com

        • DeRuyter
        • 1715 Albany St. P.O. Box 459, DeRuyter, NY 13052
          Phone: 315-852-6180
          Emergency: 315-436-1458 Mike Skeele
          Fax: 315-682-5143
          Email: Deruyteroffice@skeele.com

        • Cazenovia
        • 9 Albany Street Ste 2F, Cazenovia, NY 13035
          Phone: 315-655-2878
          Emergency: 315-380-7727 Shea Skeele
          Fax: 315-682-5143
          Email: Cazenoviaoffice@skeele.com

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        • Get a Quote!
        • Are you looking for a quote on your personal or business insurance? You are in the right place, just fill out the request form, or call our agency, and we'll be in touch to ask a few questions about your needs, and answer any questions you have.
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        • Do you have a friend or relative that is looking for a change? We'd certainly appreciate the opportunity to earn their business. Just fill out the referral form by following the link below to introduce them to Skeele Insurance Agency.
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        • Manage Your Policy
        • Do you have a change that you need made to your policy? You are in the right place. Whether you just bought a new car, or need to change coverage on your home or business, visit our Manage Your Policy page and we'll take care of you.
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  • Personal Insurance in NY
    • Auto Insurance
    • Classic and Antique Car Insurance
    • Car Insurance Rates
    • Custom and Modified Car Insurance
    • Home Insurance
    • Condo and Townhouse Insurance
    • Mobile and Manufactured Home Insurance
    • Renters Insurance
    • Dwelling Fire Insurance
    • Vacant Home Insurance
    • Flood Insurance
    • Umbrella Insurance
    • Motorcycle Insurance
    • Snowmobile Insurance
    • ATV Insurance
    • Travel Trailer Insurance
    • Recreational Vehicle Insurance
    • Boat and Jet Ski Insurance
    • Life, Investment and Health Insurance
  • Commercial Insurance in NY
    • Apartment Building Insurance
    • Rental Property Insurance
    • Bed and Breakfast Insurance
    • Farm Insurance
    • Trucking Insurance
    • Office Insurance
    • Restaurant Insurance
    • Retail Insurance
    • Home Based Business Insurance
    • Logging And Forestry Insurance
    • Animal Control Specialist
    • Business Owners Insurance Coverage
    • Inland Marine Insurance
    • Premises Liability Insurance
    • General Liability Insurance
    • Contractor Liability Insurance
    • Professional Liability Insurance
    • Vendor Liability Insurance
    • Commercial Flood Insurance
    • Workers Compensation
    • Commercial Umbrella Insurance
  • About Skeele Insurance
    • About Skeele Insurance
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    • Cazenovia
    • Chittenango
    • DeRuyter
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Driving at Night

March 25, 2019 By Mike Skeele

Headlights on a dark road

The most dangerous time to drive is after dark, no matter the weather conditions. In fact, research shows that the most dangerous time of night to drive is between midnight and 6 am, especially on the weekends.  Luckily, with the help of a few simple safety tips and a comprehensive car insurance policy, you can easily avoid some of the most common nighttime driving dangers. Keep reading to learn more.

Important Safety Tips for Driving at Night

1. Avoid Overdriving Your Headlights

Keep in mind that the majority of speed limits throughout New York and the rest of the US are set for daytime driving in clear and dry conditions. When you drive after dark, you should make sure that your headlights illuminate the road for approximately 4 seconds in front of your vehicle. If your headlights are dim or you are unable to get at least 4 seconds of headway, it’s best to slow down.

2. Use Your High Beams When Possible

Drivers should also be utilizing their high beams or “brights” whenever possible at night. This is typically the best way to illuminate the roadway and stay alert to your surroundings. However, high beams can make visibility worse in certain weather, so it’s always a good idea to use your best judgment. And remember to always turn your high beams off for incoming traffic.

3. Look Away from Oncoming Headlights

If you end up looking directly into an oncoming car’s headlights, chances are you may be temporarily blinded. And if they have super bright LED lights or their high beams on, the effects can last for several minutes. To avoid this common issue, drivers should always look away from the headlights and instead focus their eyes toward the right shoulder as oncoming cars approach.

4. Lookout for Wildlife

Animals — and humans — are much harder to see at night, which means that you need to stay alert to your surroundings at all time. This is especially true in areas where wildlife may be more prevalent, or late-night pedestrians are likely to be walking around. However, there may be areas where twilight animals are more common. This means that you shouldn’t be lulled into a false sense of security when there’s still a bit of sun in the sky.

Contact Skeele Agency Insurance Today

Protect yourself and your loved ones at night by following these important safety tips. To request a free quote or get more information on the benefits of comprehensive auto insurance coverage, contact us today!

Filed Under: Car

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About Mike Skeele

Mike is an agent of Skeele Agency Insurance. He can be reached at 315-852-6180, or by email at mikeskeele@skeele.com.

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Thanks for the Reviews!

High quality insurance agency! Very knowledgable and responsive. They make insurance easy and are adept at finding policies to fit many different situations.
Matthew Lashomb
Matthew L.
10:01 01 Oct 19
Very knowledgeable and courteous staff. Great pricing and good people to do business with.
Julia Kern
Julia K.
17:01 16 Jul 19
The personal attention and quick response is terrific. I love that you're available if I have any questions and are willing to work to achieve what is best for me.
sally eddy
sally E.
16:15 10 Jul 19
It was very nice to reach out to Jacki and her colleagues and through their vast experience and knowledge they were able to put together an insurance package that pertained to me and my businesses needs. Skeele insurance was able to save me a significant amount of money compared to my prior insurance provider therefore I'm able to put more money back into my business and less time worrying about running costs.
George Schreiber
George S.
18:33 30 May 19
Shayna is great to work with. I have been with the Skeele Agency for over 10 years now and they have all ways been there for my business. If I have a question or need certificates, Shayna is the one to take care of it.
John Bertolero
John B.
14:16 03 May 19
They are very very helpful friendly easy to work with and they know their stuff
Tammy Jasek
Tammy J.
16:03 30 Apr 19
We were actually referred to Jen and the Skeele Agency by a friend and she bent over backwards with very little notice to help us obtain our home owners insurance! She did right by us and we're very happy.
Corey Marris
Corey M.
19:03 27 Apr 19
Very efficient and had the correct information as it pertained to NYS insurance requirements
Gerard Terio
Gerard T.
16:55 17 Apr 19
Upfront and perfect. office manager Shayna is excellent solving problems.knows the in and out of insurance. I asked her questionsshe responds with knowledge of the subject. Pleasant office. tastefully decorated. We are happy with theSkeele Agency. Thank you.
Barbara Starratt
Barbara S.
17:46 29 Mar 19
I have been very impressed with not only the savings in money for my personal and business needs (which is a few thousand total) but the genuine concern Skeele Insurance has for myself and my business. Proper insurance is huge and Matt took several hours educating me on how to get exactly what I needed!! Skeele Insurance has won my business that’s for sure!!
Patrick Simmons
Patrick S.
22:03 19 Mar 19
They are courteous, competent and experienced. Plus their agency is conveniently located right in town 😄. What more could a customer ask for?
Sherry Purdy
Sherry P.
17:23 15 Feb 19
Always helpful and professional!
Sherri Ayers
Sherri A.
16:52 14 Feb 19
The Skeele Agency was referred to us by our mortgage broker. They did not disappoint. Very professional, helpful and easy to work with.
Robin Lamb
Robin L.
20:33 09 Feb 19
Awesome staff
Renata Ortloff
Renata O.
01:21 21 Jan 19
We have worked with Skeele Insurance from the start of our business and it’s been a pleasure every step of the way. Matt always responds promptly to any questions and explains thoroughly any new insurance we need as we grow our business. They also have great communication between all the offices which is very helpful if you’re in the area of an office you don’t usually stop in at.
Harvey Seals LLC
Harvey Seals L.
15:32 08 Jan 19
Good people take care of you in your time of need
Mike Murray
Mike M.
16:56 06 Jan 19
Service is always top notch. Personnel always pleasant and helpful. I have been a customer for over 38 years
Ron Bowden
Ron B.
15:16 22 Dec 18
The Skeele Agency is Awesome!Shayna has always been really helpful and friendly and informative and she has always helped me get everything done quickly and efficiently!
Becky Terpstra
Becky T.
17:23 06 Dec 18
You always promptly answer my call and solve any issues with both my business and personal accounts. You and your staff are courteous and energetic about answering questions and provide excellent customer service. Thank you for always working with me.
Denise Karsten
Denise K.
16:19 26 Nov 18
Always available, always attentive to my needs, always looking to get better coverage for lower premiums - very much appreciated
Paul Bookbinder
Paul B.
18:32 20 Nov 18
Maureen was pleasant, understanding and helpful during a stressful time. She took the extra time to call my previous insurance company for me, in order to complete the process in one visit. Allowing me to purchase a policy and get on with my day!!
Autumn Fox
Autumn F.
18:27 20 Nov 18
We purchased our car and home insurance from the Skeele Agency 2 years ago. We wanted to work with a local agency. We were very pleased with our experience with Maurine Brown. She spent lots of time with us and answered all our questions. We just purchased a new car and decided to stay with the Skeele Agency. Couldn't ask for better service.
Jeff Palmer
Jeff P.
20:48 16 Nov 18
The last time my policy came up[ for renewal I did a comparison with other company's. I did find a quote that was less but I stayed with the Skeele agency. I did not want to risk losing the level of service that the Skeele agency provides.
David Miner
David M.
22:19 08 Nov 18
The agents answer any questions promptly and are very helpful.
Willinette Cohen
Willinette C.
17:25 01 Nov 18
I appreciated that they took time to explain my questions and concerns. They were very honest people to deal with.
Laurie Keith
Laurie K.
13:19 31 Oct 18
Shawn Skeele always takes the time to answer my questions thoroughly and make recommendations that are in my best interest. He's never too busy to call and explain an answer in detail or run a quote to see if I can get a better price.
Kristen Limam
Kristen L.
16:12 23 Oct 18
The whole process of switching agencies was easy and Matt Skeele couldn't have been any more helpful. Every time a question has come up we will email Matt and he responds almost immediately. Switching from Allstate to Skeele for home owner insurance and car insurance wasn't only a better financial option but has turned out to be one of the best choices we've ever made. Thank you so much for everything and I will continue to refer every person I speak with to your agency.
Tara Contento
Tara C.
20:10 10 Oct 18
Great people to work with.
Jonathan Brown
Jonathan B.
18:26 26 Sep 18
Your customer service rocks! Your team is prompt and attentive!
Terra Jackson
Terra J.
02:17 12 Sep 18
Skeele is always there when I have a question. They are the face of my Insurance and they answer my questions and go to bat for me when I need them the most. Skeele is the only insurance agency I would even think about going with.
Christopher Massey
Christopher M.
16:20 04 Sep 18
Great personal customer service!! Great people to work with!!
Joleen Viele Watts
Joleen Viele W.
23:34 21 Jun 18
Transferred my homeowners and auto insurance to Skeele.
Janice Hopkins
Janice H.
20:35 21 May 18
This is an excellent group to deal with! I've had all of my insurances with Shawn and his people for 15 years and couldn't be happier.
Norman Watts
Norman W.
11:55 21 Apr 18
Skeele is a very friendly, helpful agency. We trust them with our home, auto and business insurance and they are very knowledgable.
Susan Kahn
Susan K.
12:53 10 Apr 18
We have found the Skeele Insurance Agency to be very helpful, and always willing to answer questions.
Colette Searles
Colette S.
22:42 26 Feb 18
Very helpful and friendly staff that is always there when I need them.
jon levy
jon L.
00:02 31 Jan 18
Great local company! Family-owned for generations.
Paul Hoagland
Paul H.
22:35 30 Jan 18
Skeele Agency has been insuring my home and property since I first moved to Central NY in 1996: that is 22 years! Their customer service is unparalleled. I have filed claims for wind storms that caused quite a lot of damage, including to boats, trees, roofing-- always with a very high confidence that the insurance policy they advised me to invest in would take good care of me.
Paul Hoagland
Paul H.
22:31 30 Jan 18
Small town friendly, big city responsive. I am very happy with them.
William Chappell
William C.
15:41 29 Dec 17
Lisa Bancroft is patient, friendly and thorough. She helped me find the best homeowners and auto insurance policies for my needs. I highly recommend Skeele.
Pamela Hampton
Pamela H.
21:04 21 Dec 17
Excellent Agents find the best insurance fit for each person's needs
Marcia Josey
Marcia J.
20:00 21 Dec 17

About Skeele Insurance

Skeele Agency, Inc. is a fourth generation, family-owned and operated, independent insurance agency. Our professional insurance services provide a wide variety of policies to fit your needs along with delivering exceptional customer service to all our clients.

Our Hours

Monday - Friday 9:00 - 5:00
Saturday - 9:30 - 11:30
Sunday - Closed

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