You love your car’s technology—keyless entry, GPS navigation, smartphone connectivity, and even self-driving features. But while these make driving easier, they also open the door to cyber threats. Just like your computer or phone, your car can be hacked, putting your personal data and even your safety at risk. So how can you stay one step ahead of cybercriminals? Here’s what you need to know to keep your car’s technology secure.
Understanding Your Car’s Vulnerabilities
One of the main entry points for cyber-attacks is the car’s infotainment or navigation system, which connects to the internet and often stores personal data such as contacts, locations, and music preferences. Additionally, many newer vehicles come equipped with Wi-Fi hotspots, allowing multiple devices to connect. While convenient, these features can also be exploited if not properly secured. To reduce risk, limit connections to trusted devices only and review your list of connected devices regularly. Be cautious when using third-party apps and services for navigation, entertainment, or remote control, as they can introduce vulnerabilities.
Beyond infotainment, various vehicle systems are also connected to the internet, including mileage tracking, tire pressure monitoring, fuel usage, braking data, and engine diagnostics. While this connectivity is helpful, it can also be a target for hackers. Check with your car dealer about the cybersecurity measures in place to protect your vehicle’s systems.
Protecting Your Key Fob
Your key fob, which grants access to your car, can be an easy target for hackers. Criminals use electronic signal amplifiers to intercept your fob’s signal, sometimes from up to 100 feet away, potentially unlocking and even starting your car without your knowledge. To prevent this:
Store your key fob in a metal box or an RFID-blocking pouch to prevent signal interception.
Some key fobs allow you to disable the wireless signal manually—check your vehicle manual to see if this feature is available.
Wrapping your fob in aluminum foil can also help block signals in a pinch.
Manually locking your doors is an extra safeguard, as some thieves use signal jammers to make you think your car is locked when it isn’t.
Keep Your Car’s Software Up to Date
Software updates are crucial for fixing security vulnerabilities. Cybercriminals often exploit outdated software to gain access to a vehicle’s systems. To protect yourself:
Bring your car to the dealer for routine software updates.
Check your manufacturer’s official website for downloadable updates.
Stay in contact with your car manufacturer to receive notifications about recalls.
Check gov for any relevant recalls affecting your vehicle.
Be Wary of Mechanics and Counterfeit Parts
Your mechanic has access to your car’s onboard diagnostics, which contain valuable data. While most mechanics are trustworthy, some may use this access to replicate keys and steal vehicles. Additionally, counterfeit parts pose not only cybersecurity risks but also physical safety concerns. Always ensure that you’re getting certified parts and working with reputable mechanics.
Be Cautious with Your OBD-II Port
The OBD-II port is a diagnostic access point that allows mechanics to check engine performance and retrieve vehicle data. However, leaving devices plugged into this port, such as insurance tracking devices, can make your car more vulnerable to cyberattacks. If you don’t need a device plugged in, remove it to reduce risk.
Extra Layers of Security
You can take simple steps to make it harder for a hacker to access your vehicle.
Invest in a steering wheel lock. Even if a hacker gains electronic access to your car, they won’t be able to drive away with a physical lock in place.
Turn off Bluetooth when not in use. If you’re not actively using Bluetooth, disable it to prevent hackers from getting to your phone or vehicle data.
Secure your Wi-Fi password. If your car has Wi-Fi-enabled remote features, change the default password and enable two-factor authentication if possible. Never leave your password written down in your car and make sure to regularly update it.
Disable remote systems when not needed. Features that allow remote unlocking, starting, or tracking should be turned off when not in use to minimize potential entry points for hackers.
Avoid Phishing Scams
Cybercriminals often use phishing tactics to gain access to vehicles. They may send fake emails with malicious links or attachments that install malware on your car’s system. Since cars lack built-in malware protection, these infections can be hard to detect. Protect yourself by:
Verifying messages from your car manufacturer before taking any action.
Watch for Suspicious Activity
If you notice unusual behavior in your vehicle, such as unexpected setting changes, new sounds, or erratic electronic functions, it could be a sign of hacking. If anything seems off, contact your dealer or manufacturer immediately to investigate potential breaches.
By staying vigilant and following these cybersecurity measures, you can enjoy your car’s advanced technology while keeping it safe from hackers.
Finally, protect your vehicle with the right insurance for added peace of mind. Safe travels from all of us at California Casualty.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
Thinking about going green with your next vehicle? Hybrid and electric cars both offer fuel savings and eco-friendly benefits, but which one is the better fit for your lifestyle? From driving range to charging convenience—and even how they handle in different weather conditions—we’ll break down the pros and cons to help you decide.
What’s the difference?
Hybrid Vehicle: A hybrid car has a gasoline engine and an electric motor. The gas engine and battery-powered motor work together to improve fuel efficiency and reduce emissions. Hybrids don’t need to be plugged in because they recharge the battery while you drive.
Electric Vehicle (EV): An EV runs entirely on electricity. It has no gas engine—just a battery and an electric motor. EVs need to be plugged in to charge, and they produce zero emissions, making them an eco-friendly choice.
Pros and Cons
Let’s take a deeper dive and explore the pros and cons of each, including how they fare in extreme weather.
Hybrid Vehicles
Pros
Better Fuel Efficiency – Hybrids use less gas than traditional cars, saving money at the pump.
No Charging Required – The battery recharges while you drive, so there’s no need to plug it in.
Smoother, Quieter Ride – The electric motor helps reduce engine noise and provides a seamless driving experience.
Longer Driving Range – Since hybrids use both gas and electricity, you won’t have range anxiety like with some EVs.
In Extreme Weather…
Quick Warmup – A hybrid may be safely driven with only a short warmup—about a minute in cold weather.
Less Affected by Cold Weather – Since hybrids have a gas engine, they don’t rely solely on battery power, which helps maintain performance in freezing temperatures.
No Need for Charging – Unlike EVs, hybrids don’t depend on charging stations, which can be slower or less available in extreme conditions.
Consistent Range – Cold or hot weather has less impact on a hybrid’s driving range compared to a fully electric vehicle.
Cons
Less Fuel Savings Than an EV – Hybrids still rely on gas, so it’s not as cost-effective as a fully electric vehicle in the long run.
More Maintenance Than an EV – Since hybrids have both an engine and a battery system, they require more maintenance than an all-electric car.
Battery Replacement Costs – The hybrid battery can be expensive to replace, though it usually lasts many years.
In Extreme Weather…
Reduced Fuel Efficiency in Cold – The gas engine runs more often in low temperatures, slightly lowering fuel economy.
Battery Performance Can Drop – While not as noticeable as in EVs, extreme cold can still reduce battery efficiency.
Hot Weather Can Strain the System – High temperatures may cause the battery and engine to work harder, potentially leading to wear over time.
Electric Vehicles
Pros
Zero Emissions – EVs don’t burn gas, making them the most eco-friendly option.
Lower Operating Costs – Charging is often cheaper than fueling up, and there’s no need for oil changes or many traditional maintenance
Quiet and Smooth Ride – Electric motors make EVs nearly silent and provide instant acceleration.
Fewer Moving Parts – Less wear and tear means fewer repairs compared to gas or hybrid cars.
Incentives and Tax Credits – Many EV buyers qualify for government rebates and incentives, reducing the purchase cost.
In Extreme Weather…
Instant Start – EVs don’t have traditional engines that require oil or warming up, so they start instantly, even in freezing temperatures.
More Efficient in Stop-and-Go Traffic – Unlike gas-powered cars, EVs don’t waste energy idling, making them efficient in winter traffic jams.
Preconditioning Helps – Many EVs allow you to warm up or cool down the car while plugged in, reducing the impact on battery life.
Cons
Higher Upfront Cost – EVs can be more expensive than gas or hybrid cars, though prices are improving.
Limited Range – Some EVs can’t travel as far on a single charge as a gas or hybrid car can on a full tank.
Charging Time – Even fast charging takes longer than a quick stop at a gas station.
Charging Infrastructure – Public charging stations aren’t as common as gas stations, and home charging requires special installation.
Crash-related fires – Should a crash occur, and damage the battery, it could spark a fire. EV fires are much harder to control than those of gas-powered vehicles.
In Extreme Weather…
Cabin heat – It takes a lot of battery to warm the cabin. It’s better to warm the cabin while the car is still plugged in for about 5-10 minutes. Otherwise, you’ll reduce your driving range significantly.
More HVAC Impact – Heating and cooling the cabin draws power from the battery, further reducing range.
Reduced Range in Cold Weather – EVs can lose 10–36% of their range in freezing temperatures because the battery works harder.
Slower Charging in the Cold – Charging times increase in low temperatures, making it less convenient for road trips.
Hot Weather Can Overheat Batteries – High heat can degrade battery life over time and make charging less efficient.
Both hybrids and EVs typically cost more to repair than gas-powered cars due to specialized parts and technology (like battery systems). This can lead to higher insurance premiums. Talk to your insurer about a policy that’s right for your budget and needs.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
Trees bring beauty and shade to your property, but sometimes they also bring hidden risks. Strong winds, heavy storms, or decay can turn a once-sturdy tree into a serious hazard. A falling tree can cause expensive damage—or worse, serious injuries. The good news? Spotting the warning signs early can help protect your home, your family, and your wallet. Here’s what to look for to keep your trees safe and standing strong.
Falling Branches
If you notice lots of dead branches on the ground, take a closer look at your tree. Trees that are struggling will start to send water and nutrients to the healthier branches, leaving the weaker ones to die. This happens often when trees have root rot. Keep your tree pruned and watch for the number of dead branches, so you can act if necessary.
Bare Branches
Deciduous trees (those that lose their leaves each winter) can give you clues to their health. If they don’t sprout new leaves during the growing season, that’s a sign of distress. If they lose their leaves too early in the fall, that could be concerning, too. These types of trees should lose their leaves from the outside in; if leaves die closer to the trunk or cling to branches rather than falling, the tree may have circulatory issues.
Cracks, Holes, or Split Trunks
Large holes, a split trunk, or deep cracks are signs of structural weakness. Trees with V-shaped trunk splits are especially vulnerable as their joints weaken over time. If your tree has a hollow section, it may attract nesting animals that can further damage it. An arborist may be needed to stabilize it in any of these cases.
Bald Spots and Bark Damage
A healthy tree will shed old bark and replace it with new growth. If bark is missing, peeling excessively, or has deep gashes and indents (known as cankers), it may be suffering from bacterial or fungal infections. You will need to clear those up or you risk losing the tree.
Fungus Growth
The presence of large fungi, such as wood conchs (bracket fungus), on the trunk suggests internal rot. Mushrooms growing at the base indicate that they may be feeding on rotting roots, which can weaken the tree’s foundation. You will need to act, either to resolve the issues caused by the fungus or remove the tree altogether.
Exposed Roots
Roots visible above ground may signal that the tree is no longer securely anchored. Cracked soil around the base can indicate roots are lifting, which increases the risk of the tree toppling over. This causes an immediate danger and should be resolved as soon as possible.
Vines Taking Over
While vines can add aesthetic appeal, they may also suffocate a tree by trapping moisture, leading to rot, blocking sunlight, and attracting insects. Carefully cut the vines at the base of the tree close to the ground, being careful not to damage the tree bark. (Avoid pulling the vines as that could damage the tree.) If the vine returns or is invasive, consult an expert to help you remove it.
Carpenter Ants
Large black ants on your tree may indicate an infestation. These ants prefer rotting wood, meaning your tree may already be compromised. Look for sawdust piles near the base as a telltale sign. If you suspect carpenter ants, get a professional consult. You may need to remove the tree.
Leaning Trees
Trees can naturally lean but be aware of when the angle is too much. A noticeable lean of 15 degrees or more could signal weak or rotted roots. Strong winds or loose soil can contribute to this issue. While some trees can be straightened if healthy, others may require removal.
Problematic Locations
Watch for changes in your trees in these scenarios:
Trees near water sources may become waterlogged, leading to root decay.
Poor drainage around trees on your property can weaken root systems.
Trees left exposed after nearby trees are removed may struggle with sudden changes in wind and sunlight.
Why You Should Act
Distressed or dying trees can pose a serious hazard. Not only are dead trees an eyesore, but they are also more prone to falling, potentially injuring someone or damaging your property. Additionally, dead trees attract pests like termites and rodents, which could spread to your home.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
Is your lease nearing its end, and you’re wondering whether to say goodbye or keep the keys? Buying out your leased vehicle can be a smart financial move—or a costly mistake—depending on your situation. With used car prices fluctuating and interest rates shifting, now is the time to weigh your options carefully. Should you purchase your leased car or walk away? Let’s break down the pros and cons to help you decide if this is the right road to take.
Why Consider Buying Out Your Lease?
Leasing a car allows you to make lower initial payments while giving you time to test the vehicle before committing to ownership. Many people lease because it offers flexibility, but when the lease ends, you must make the decision to buy or return the car. That depends on several factors.
Understanding the Buyout Amount
Most leases include a buyout option, meaning you can purchase the vehicle at a predetermined price set by the leasing company. This price, known as the residual value, is estimated at the start of the lease. If you choose to buy, you’ll need to pay the buyout amount, plus taxes, fees, and any remaining lease payments.
If you don’t have the cash to buy the car outright, you can finance the buyout. Keep in mind that financing comes with interest. Check out the current interest rate before committing to financing a buyout. Know that if you buy out your lease early, it may also come with additional fees. Importantly, going from a lease to financing a buyout could increase your monthly payments.
Evaluating Your Car’s Value
Before deciding, compare the buyout price with the car’s market value. Websites like Kelley Blue Book and Edmunds can provide an estimate, or you can visit another dealership to get an appraisal for your vehicle. If the buyout price is lower than the car’s market value, purchasing it may be a good deal. If it’s higher, walking away might be the better choice. If it’s close, it still may make sense to buy.
Considering Mileage and Condition
Most leases have mileage limits, typically 12,000 to 15,000 miles per year. If you’ve exceeded your limit, you’ll owe an overage fee—usually between 10 and 25 cents per mile. In this case, buying out your lease might save you money. While unused miles aren’t refunded, your car will likely be valued higher at a lower mileage.
Leasing companies expect the car to be returned in good condition. Any damage—such as dents, scratches, or cracked mirrors—could result in excess wear-and-tear fees. If you’re considering a buyout, repairing minor issues yourself can save you money. Also, remember that once you own the car, future maintenance and repairs will be your responsibility. A pre-purchase mechanical inspection is a good idea so there are no surprises down the road.
Your Personal Situation
Buying out your lease might make sense if:
You like the car and know its history.
You want to avoid the hassle of car shopping.
You prefer to keep a car that won’t immediately depreciate like a new vehicle.
Your transportation needs remain the same.
Turning in your car might make sense if:
You did not go over the mileage for your lease and the car is in good condition.
You prefer to lease another car.
Your transportation needs have changed.
You would like to purchase a new car or a used one.
If you’re trading in your leased car, dealerships may charge cleaning and prep fees. Buying it avoids these costs.
Can You Negotiate the Buyout Price?
It depends on your lease agreement. If the lease was written by the automaker’s finance division, the buyout price is usually non-negotiable. However, if a third-party bank holds the lease, they may be open to negotiation. Even if the buyout price is firm, you might be able to negotiate the fees.
Plan Ahead
Don’t wait until the last minute to decide. Start evaluating your options at least 90 days before your lease ends. This gives you time to:
Assess the car’s value.
Review your credit before applying for a loan.
Secure financing if needed.
Negotiate fees or buyout terms.
You can buy out your lease through the dealership or arrange independent financing through a bank or credit union. If financing on your own, you’ll need to send payment to the leasing company and visit the DMV to handle taxes and title transfer.
Insurance Considerations
Switching from a lease to ownership may impact your insurance rates. Review your policy and contact your insurance company to explore potential savings and coverage changes.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
Imagine catching a leaky roof before it becomes a flood or spotting a crack in the foundation before it threatens your home’s stability. A yearly home maintenance inspection empowers you to identify small issues early, saving you time, money, and headaches. With a simple checklist and a little effort, you can keep your home in tip-top shape and avoid costly surprises down the road. Use this list as your guide to stay ahead of potential problems.
Gather Your Supplies
Binoculars (for roof inspection)
Flashlight (for inspecting dimly lit spaces)
Ladder (to reach roofs, gutters, and higher areas)
Electrical tester (to check outlets and circuits; ask your local hardware store for guidance)
Moisture meter (to detect hidden dampness)
Screwdriver set (for tightening fixtures and covers)
Smartphone or camera (to document areas of concern)
Notepad and pen (for notetaking and listing repairs that need to be made)
If you’re not comfortable doing a home inspection yourself, consider hiring a professional home inspector. This typically costs about the same as when you hire an inspector to check out a home you’re going to buy. When you are ready to make repairs, and you cannot do them yourself, make sure to hire a reputable contractor.
Finally, your home is one of your greatest investments. Be sure to protect it with the right insurance for added peace of mind.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
