Driving Tips for Senior Drivers

Driving Tips for Senior Drivers

Age may bring wisdom, but it also comes with new challenges behind the wheel. From adapting to changing reflexes to navigating the latest technology in cars, senior drivers face unique hurdles. If you are a senior driver, or know one, here are simple tips to help stay safe and confident on the road.

 How does age affect your driving?

As we get older, changes in our bodies can affect how safely we drive. Stiff joints, muscle weakness, or arthritis can make it harder to turn your head, press the brakes, or react quickly in traffic. If you’ve lost some feeling in your fingers or feet, it might slow down your reaction time or make it harder to stay in control of the car. Vision changes can make it tough to see at night or read road signs quickly, and hearing loss might mean you don’t notice important sounds like sirens or horns. On top of that, some medications can cause drowsiness, dizziness, or slower reactions, which can all affect your driving.

Tip #1: Stay on top of your health.

  • Regularly check your vision, hearing, and mobility to ensure they’re not affecting your ability to drive safely. Minimize distractions, such as loud music or other sounds, to help you hear important traffic cues like horns or sirens.
  • If you have limited mobility, consider vehicle modifications. For example, hand controls can replace traditional gas and brake pedals if leg movement is a challenge. Consult with your doctor and an occupational therapist to explore your options.
  • Be mindful of how medications impact driving. Avoid driving if you’re taking anything that causes drowsiness or lightheadedness.

Tip #2: Make sure your car is the right fit for you.

  • If it’s an option, select larger dials and easy to read symbols on your car’s dashboard. Turn brightness up on your instrument panel so it is easy to see.
  • Adjust your seat so you’re not sitting closer than 10 inches to the steering wheel. Make sure your feet can easily press the pedals, without your having to reach with your toes. Pedal extensions are available for those who need it.
  • Check out the CarFit program sponsored by AAA, AARP Driver Safety, and AOTA (American Occupational Therapy Association). This program can help educate you on ways you can make your car more comfortable and safer as you age.

Tip #3: Understand your car’s safety technology.

  • Check your owner’s manual to determine the advanced safety technologies in your vehicle. This may include blind spot monitoring, automatic braking, lane-keeping assist, rearview camera, automatic crash notification, navigation, and more.
  • Seek help from tech-savvy family or friends who can explain features and help you practice. Watch online tutorials—many car manufacturers offer easy-to-follow videos on their websites or YouTube channels. You can also ask your dealer for a demonstration when servicing your car.
  • If new tech seems overwhelming, take it slow. Practice one new feature at a time to get comfortable with it. Start with the safety features like blind spot monitors. Don’t get discouraged as it can take time to learn new technology.

Tip #4: Drive safely and defensively.

  • Maintain a safe following distance. Avoid tailgating and give yourself plenty of space to react to sudden stops or changes in traffic. This is especially important in bad weather or heavy traffic.
  • Drive at a comfortable speed. Stick to the speed limit and, if you prefer driving slower, stay in the right lane to let faster traffic pass safely.
  • Stay focused and alert. Avoid distractions like using your phone, eating, or multitasking while driving. Never drink and drive and be mindful of any medications that might impair your ability to focus.

Tip #5: Avoid driving certain times of the day or night.

  • If driving at night feels difficult or uncomfortable, try to avoid it. Similarly, be cautious around sunrise and sunset when glare from the sun can impact your visibility.
  • Refrain from driving when you’re stressed, tired, or not feeling alert. Skip rush hour or heavy traffic areas to reduce stress and risk.
  • Avoid driving in rain, snow, ice, or other challenging weather conditions. Consider using rideshare services, public transportation, or asking for a ride from friends or family during these times.

Tip #6: Know how to deal with night driving.

  • Make sure your headlights, taillights, windshield and side windows are clean.
  • Allow for more space between you and the car in front to allow for additional stopping room – it’s harder to judge speed and distance in the dark.
  • If headlights of oncoming vehicles are too bright, look down and to the right. It will help deflect the light and you can use the right side of the road as your guide.
  • Do not wear sunglasses or tinted lenses at night. It reduces the amount of light that reaches your eyes and can make driving hazardous.

Tip #7: Take advantage of available support.

  • Refresh your knowledge of driving rules with a program like AAA’s RoadWise Driver Course. Completing the course may even qualify you for a discount with certain insurance providers.
  • Consider hiring a driving rehabilitation specialist. These professionals assess key factors such as muscle strength, flexibility, reaction time, and decision-making skills to help ensure safe driving.
  • Talk to trusted friends and family about your driving. Their honest feedback and support can help you identify areas for improvement and give you confidence behind the wheel.

Tip #8: Is it time to stop driving? Know the warning signs.

  • Be alert for warning signs such as multiple accidents, near-misses, or new scrapes and dents on the vehicle. Pay attention if you have received two or more tickets or warnings within the past two years.
  • Watch for signs of erratic, unsafe, or aggressive driving from your loved one, or if you’re the driver, for times you felt out of control.
  • Take seriously any recommendation from a doctor to change driving habits or stop driving altogether.
  • Approach the conversation with your loved one with empathy, focusing on positivity and support. Together, you can explore alternative ways to maintain their freedom and connection to the world around them.

Finally, make sure your car is fully protected for added peace of mind. Safe travels.

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 it Time to Change Your Alternator?

Is it Time to Change Your Alternator?

You are miles from nowhere when suddenly, your headlights dim, your dashboard flickers, and your car starts losing power. No, it’s not a scene from an action thriller—it’s a sign that your alternator might be failing. But how do you know when it’s time to replace it? Let’s break down the signs before your car breaks down on you.

What is an alternator?

The alternator is a small but mighty component responsible for keeping your battery charged and your vehicle’s electrical systems running smoothly. It converts kinetic energy into electrical energy. That energy charges your car’s battery so that it can start and also powers your car when running. Over time, wear and tear can reduce the alternator’s efficiency, preventing it from fully charging the battery. While there’s no exact timeframe for replacement, alternators typically last between 100,000 and 150,000 miles. It’s risky to drive a car with a bad alternator. It can leave you stranded.

Bad battery or bad alternator?

Since the alternator and battery work closely together, sometimes the signs you are seeing could mean you need to replace the battery and not the alternator. Consider the age of both parts and their condition. The average battery life is 3-5 years, so if your battery hasn’t been replaced in that long, check that first.

Signs of a bad battery:

  • Your vehicle is hard to start or won’t start at all.
  • You hear a clicking noise when trying to start the car, or it takes longer for the engine to catch.
  • You notice dim or flickering headlights, taillights or dashboard lights.
  • Your car consistently has a dead battery. This could also be due to a bad alternator.

Signs of a bad alternator:

  • You notice dim or very bright headlights. (This is due to the inconsistent flow of electricity generated by the alternator.)
  • Your vehicle doesn’t start.
  • Your lights and gauges dim, and then your car stalls when driving.
  • There is a warning light on your dashboard.
  • You notice a burnt rubber smell and/or loud grinding noise.

Do you have a multimeter? That’s a surefire way to know if the alternator is failing. When the car is not running, check the voltage at the battery.  It should be between 12 and 12.5 volts.  Then check the voltage again when the car is running.  The voltage level should increase between 13.5 and 14.5. If the voltage does not increase, the alternator is bad.  If it does increase, yet you are still experiencing some of the issues listed above, then it is likely that the battery is bad.

How to Replace the Alternator

You can certainly take your car to your mechanic for an alternator replacement. However, if you’re handy and have some experience working on cars, here is a guide to replacing your alternator.

Pro tip: take photos of each piece before disconnecting them so you know how to hook everything back up.

 Check Your Vehicle’s Manual: Identify the type of alternator you need and purchase it.

  1. Gather Your Supplies: Get a socket and wrench set, gloves, safety glasses, and a memory saver. A memory saver provides a small current to preserve your car’s electronics and prevent the need for reprogramming; it typically plugs into the power port.
  2. Backup Electronic Data (if needed): Refer to your manual to determine if backing up preset electronic data from your car’s computer is necessary.
  3. Turn Off the Engine: Shut off your car’s engine and put on your safety gear.
  4. Disconnect the Battery: Remove the negative cable from the car battery. Disconnecting the positive cable is optional.
  5. Loosen the Belt Tensioner: Release the tension on the serpentine belt and remove it. Inspect the belt for wear and tear, replacing it if needed.
  6. Remove Alternator Attachments: Disconnect all cables and bolts securing the alternator, including the voltage regulator connector, the alternator’s positive cable, the brace nut and bolt, and the lower mounting bolt.
  7. Replace the Alternator: Remove the old alternator and install the new one in the same position.
  8. Reassemble: Reattach all previously disconnected components.
  9. Test Voltage: If available, use a multimeter to ensure the voltage reads between 13.5 and 14.5 volts when running.

Maintaining Your Alternator

You also can take steps to reduce the wear and tear on your alternator and keeping it working at its best.

  • Schedule regular maintenance and ask your mechanic to check the alternator every time. Regular maintenance also will help your car last longer.
  • Regularly clean your alternator to remove dirt, grease, and debris. These can cause it to overheat.
  • Tighten loose connections that can affect the alternator’s performance.
  • Look out for fluid leaks around the alternator. Fluid and oil buildup can shorten an alternator’s lifespan. Identify the source of the leak as soon as possible. (Usually, it’s not the alternator that is leaking.)
  • Keep your belts in good condition. Worn belts can loosen the alternator mountings.
  • Be careful with aftermarket electronics. Improperly installing them can overload the alternator.
  • Maintain and replace your battery as needed so that you will know that it’s not the battery if your vehicle’s electrical system fails.

Finally, the right coverage for your vehicle is important for added peace of mind. Schedule an annual review with your insurer to make sure your vehicle is fully protected. Safe travels.

 

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.

What to Do if Your Vehicle Gets Stuck in the Snow

What to Do if Your Vehicle Gets Stuck in the Snow

You’re ready to hit the road, but your car has other plans—stuck in a snowbank with tires spinning. Before your frustration gets out of hand, take a deep breath. With the right techniques and a little patience, you can free your vehicle and get back on track. Here’s your step-by-step guide to escape the snow’s icy grip without breaking a sweat—or your car!

1. Stay Safe and Assess the Situation

Before doing anything, ensure you’re safe. Turn on your hazard lights and assess the situation. Are other vehicles nearby? Make sure you’re visible to others and have enough space to work around your car safely.

2. Clear the Exhaust Pipe

Check your car’s tailpipe for snow and ice. A clogged exhaust can cause dangerous carbon monoxide to back up into the vehicle’s cabin. Clearing it is a critical safety step before you start working to free your car.

3. Start Shoveling

Use a shovel or any sturdy tool to remove snow around the tires, under the car, and along the path you want to travel. Clearing as much snow as possible will make it easier to gain traction and move forward.

4. Try Melting the Snow

If the snow around your wheels is packed and icy, try sprinkling salt or a de-icing agent. Be cautious, as salt can cause rust on your vehicle, and some chemicals may be harmful to pets and the environment.

5. Add Traction

Improve your grip by spreading dry materials like sand, kitty litter, or even your car’s floor mats under the tires. These items can provide the friction needed to get your car moving.

Pro Tip: Lower your window slightly to listen for spinning wheels as you press on the gas. If you hear them spinning, it’s not working.

6. Choose the Right Driving Technique

Depending on your type of vehicle, you will want to take advantage of its strengths.

      • 4-Wheel Drive: If your vehicle has a 4-wheel drive option, turn it on to deliver power to all wheels. Use a low gear in an automatic to reduce wheel spinning.
      • Front-Wheel Drive: Turn your steering wheel left and right repeatedly to find a patch of traction.
      • Manual Transmission: Start in second gear to reduce wheel spin and increase grip.

7. Turn Off Traction Control

Your traction control system can prevent your wheels from spinning, which helps in skids but can hinder your efforts when stuck. Temporarily disable it to give your wheels the power they need to move.

8. Rock Your Vehicle

Gently rock your car by shifting between forward and reverse gears. Apply light gas pressure—avoid flooring it—and stop if it’s not working after a few tries to prevent transmission damage.

9. Let Air Out of Your Tires

In extreme cases, slightly deflate your tires to increase surface contact and improve traction. Only do this if you’re near a place to reinflate them, as driving on underinflated tires can be dangerous.

10. Call for Roadside Assistance

If all else fails, it’s time to call for help. Roadside assistance professionals have the tools and expertise to safely free your vehicle.

After You’re Unstuck

Once your car is free, pull over in a safe spot and inspect your tires. Spinning wheels can pack snow and ice into the treads, making steering difficult. Use a snow scraper to clear them and restore proper grip. Don’t forget to turn your traction control back on before resuming your drive. Follow winter driving safety tips to prevent any future issues.

Be Prepared for the Future

Getting stuck in deep snow can damage your car’s transmission, battery, or drivetrain. Get your car checked out if you have been stuck in deep snow.

In addition, prepare for any future incidents. Keep a winter emergency kit in your vehicle, including:

  • Ice scraper and snow brush
  • First aid kit
  • Flashlight and flares
  • Blankets
  • Tire pressure gauge
  • Car jack
  • Cell phone charger
  • Kitty litter or sand for traction

Finally, make sure your vehicle is protected for winter with the right insurance. This will help add peace of mind. Safe travels.

 

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.

Drunk Driving Prevention

Drunk Driving Prevention

Every day, lives are lost, and families are affected by drunk driving.  Yet, these tragedies are entirely preventable. By raising awareness and taking action, we can help ensure safer roads for everyone. Whether it’s through planning a safe ride home or promoting responsible behavior, we all have a role to play in preventing drunk driving and saving lives. Let’s explore how simple choices can make a world of difference.

The Reality of Drunk Driving

The Numbers: Nearly 40 people die each day in drunk driving crashes, according to the National Highway Traffic Safety Administration. That’s about one person every 39 minutes. In fact, almost a third of all deadly crashes in the U.S. involve drunk drivers.

The Legal Consequences: The penalties for drunk driving include fines, license suspension, and even jail time. Consequences vary from state to state, but most use blood alcohol content to measure intoxication. In nearly all states, 0.08% is the threshold for drunk driving. Some states have zero tolerance for drivers under age 21 with any amount of alcohol in their system.

The Emotional and Financial Costs: If you’re convicted of driving under the influence (DUI) or driving while intoxicated (DWI), it’s an expensive proposition. You may have fines to pay. Your insurance rates will increase. You will have to arrange for transportation if you cannot drive while your license is revoked. The emotional toll is significant as well, especially if the crash caused injuries and/or the loss of a loved one.

Why Drunk Driving Happens

Impairment: Alcohol affects your brain, causing you to react more slowly and lose coordination. It can make you drowsy. You may have trouble judging distances and tracking moving targets. If you have enough to drink, you could have difficulty maintaining your lane, braking appropriately, and controlling your vehicle.

Overconfidence: Many people overestimate their ability to function after drinking. They believe they are less impaired than they truly are. They may not realize how even small amounts of alcohol can affect their judgment and reflexes. This false sense of control increases the likelihood of accidents and mistakes.

Social Norms: Social pressure often plays a role in drinking. Friends or colleagues might encourage you to drink more, dismissing concerns about impairment or consequences. This can make it difficult to set personal boundaries or say no, leading individuals to drink more than they intended.

Practical Tips to Prevent Drunk Driving

Drunk driving remains a significant danger on the roads, but it’s one that can be prevented with proactive measures. Here’s how to play your part in keeping yourself and others safe:

Plan Ahead

A little foresight can go a long way in avoiding risky situations:

    • Be the hero. Volunteer as a designated driver and coordinate with friends to rotate this role for group outings.
    • Choose alternative transport. Opt for a rideshare, taxi, or public transportation if you plan to drink. These options are often cheaper than the cost of an accident or a DUI.
    • Stay the night. If you’re attending a gathering where you’ll be drinking, ask the host if you can crash on their couch.

Know Your Limits

Understanding your own boundaries can prevent poor decisions:

    • Be alcohol aware. Alcohol affects everyone differently based on factors like weight, drink strength, and tolerance levels. Know how it impacts you.
    • Use tech tools. BAC calculators or personal breathalyzers provide a snapshot of your intoxication level—but don’t rely solely on them to decide if you’re fit to drive.
    • Err on the safe side. If you’ve consumed any alcohol, you could be impaired. Make decisions accordingly.

Host Responsibly.

When hosting, you can create an environment that discourages drunk driving:

    • Offer alternatives. Serve non-alcoholic beverages alongside alcoholic ones to give guests choices.
    • Feed your guests. Snacks or meals can slow alcohol absorption, helping guests pace themselves.
    • End alcohol service early. Stop serving drinks at least an hour before your event ends.
    • Keep an eye out. Pay attention to your guests. If someone appears intoxicated, offer them a ride home or a place to sleep.

Speak Up.

Your intervention could save a life:

    • Step in when needed. Offer to drive friends home if they’ve been drinking or insist they use alternative transport.
    • Take the keys. It’s tough to confront someone, but preventing an impaired friend from driving is worth it.
    • Be firm about your safety. Refuse to ride with anyone who’s been drinking.
    • Educate teens. Have open conversations about the dangers of drunk driving and ensure they know they can always call you in an emergency.

Drive Defensively.

Even if you’re sober, staying alert can protect you from impaired drivers on the road:

    • Stay vigilant. Watch for erratic driving behavior like swerving, inconsistent speeds, delayed reactions, or incorrect signaling.
    • Maintain distance. If you suspect someone is driving drunk, give them plenty of space to minimize risk.
    • Report suspected drunk drivers. Call local law enforcement with details such as the vehicle’s make, model, color, license plate, and location. Never try to stop the driver yourself.

Finally, protect your vehicle with the right insurance. Happy holidays and 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.

Understanding Auto and Home Insurance Rate Changes

Understanding Auto and Home Insurance Rate Changes

We understand that changes to insurance premiums can be concerning, and we want to help you understand the factors that influence your rates. Insurance rates are determined by a combination of external conditions and personal policy coverage selections. Below, we’ll explain some of the most common reasons rates can increase and what changes in your policy could impact your premium.

External Factors That Can Cause Rate Increases

1. Rising Costs of Repairs and Replacements
For auto insurance, advanced technology in vehicles, like sensors and cameras, makes repairs more expensive. In the case of a total loss, rising prices for new and used vehicles drives up the cost of replacement. Similarly, home insurance is impacted by increasing prices for building materials and labor, making it more costly to repair or rebuild homes after a loss.

2. Weather and Natural Disasters
Severe weather events, such as wildfires, floods, and hailstorms, are happening more frequently and with greater intensity. These events lead to higher claim payouts and cause insurance rates to rise, even in areas that haven’t been directly affected.

3. Inflation
General inflation affects nearly every industry, including insurance. The rising cost of goods and services —from everything associated with a minor vehicle repair all the way to restoring extensive home damage, like parts, materials, labor, rental cars, temporary housing, legal and medical expenses —can result in an adjustment of premiums to align with the amount that is paid out on claims.

4. Increased Claim Frequency
More claims being filed—whether due to a rise in car accidents, litigation, or property damage—paired with increased claims costs can lead to paying out more on claims than what is collected in premium. When this happens, a rate increase can occur.

5. Reassessment of Risks
Insurance companies regularly re-evaluate risks in specific areas. If you live in a region that’s seen more accidents, theft, or natural disasters, your premiums may increase to reflect the heightened risk.

How Policy Changes or Adjustments Affect Your Premium

1. Adding or Removing Coverage
Expanding your coverage—such as adding comprehensive auto coverage or increasing your home insurance policy limits—will raise your premium. Conversely, reducing coverage may lower your rate but could leave you underinsured.

2. Adjusting Deductibles
Choosing a higher deductible typically lowers your premium since you agree to pay more out-of-pocket in the event of a claim. However, a lower deductible means your insurer covers more upfront, which increases your premium.

3. Policy Discounts and Loss of Discounts
We offer many discounts including affiliated group membership, bundling auto and home, multi-vehicle, safe driving, home security, non-smoking, good student, mature driver, etc. If you no longer qualify for a discount, your rate may increase.

4. Changes in Your Personal Profile
Life changes such as adding a new driver to your policy, changes to the number or type of covered vehicles, or moving to a different area can impact your premiums.

5. Claims History or Driving Record
Filing a claim can result in higher premiums at renewal. Additionally, if a ticket or accident is charged against your driving record, you may be subject to a surcharge that will likely raise your rates.

How You Can Help Manage Your Premiums

While some factors are out of your control, there are steps you can take to keep your premiums manageable:

  • Bundle Policies: Combining your auto and home insurance or having multiple vehicles on one policy can help you save more.
  • Review Your Coverage: Call us for a free policy review to make sure you’re not paying for coverage you don’t need.
  • Increase Your Deductibles: Opting for a higher deductible can lower your premium but be prepared to cover more out-of-pocket costs in the event of a claim.
  • Maintain a Safe Driving Record: Avoid accidents and traffic violations to keep your auto insurance costs down.
  • Home Upgrades: A new roof, installing alarms, fire-resistive updates, or upgrading plumbing, electrical or HVAC systems can help you qualify for discounts.
  • Ask About Discounts: Let us know if there have been changes, like completing a mature driving course, a child away at school without a vehicle, or reaching a milestone like retirement. We also offer discounts for multi-home, years claim free, good student, safe driving, and driver training for youthful drivers

We’re Here to Help

Whether it’s an auto accident or a home repair after a storm, having insurance helps ensure you’re not left to bear the full financial burden – so maintaining adequate coverage is crucial.

We understand that insurance can feel complex, but we’re here to make it simple and help make sure you have the coverage that’s right for you. Our trusted advisors are available to review your current policies, provide guidance on your coverage options, help explore ways to save, and answer any questions you have.

Thank you for trusting us to protect what matters most to you.

 

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.

How to Winterize Your Vehicle

How to Winterize Your Vehicle

As temperatures drop and roads become icy, taking steps to winterize your car ensures you stay safe and stress-free. From checking your battery to swapping out wiper blades, preparing for the season is all about protecting yourself and your ride. Ready to keep your car in peak performance through the cold months? Let’s get started!

 

Take care of your tires.

You depend on your tires to grip the road. Make sure they’re in the best condition to help you maneuver safely.

  • Check the tread. Tread gives you traction, and worn tread will take longer to stop on slippery roads with ice and snow. Put a penny into one of the grooves with Lincoln’s head facing you and upside down. If you see all his head, your tread depth is dangerously low. Replace your tires.
  • Rotate your tires. Tires don’t wear evenly. The front tires usually have more wear on the outside edges, because they lean when you turn right or left. The front tires also hold the weight of the engine. To help your tires wear evenly, you need to rotate them every 5,000-7,000 miles.
  • Align your tires. If you’ve ever taken your hand off the wheel while driving, and notice your car veering toward the side, you need an alignment. You need to align your tires to keep them pointing straight ahead. You can easily knock them out of alignment by going over a pothole. If you don’t align your tires, you can experience steering problems, poor fuel economy, and uneven tire wear.
  • Consider snow tires. If you live in a place where snow is heavy, you may wish to switch to snow tires. Their softer rubber remains flexible in cold weather and helps them grip the road. Their wider grooves also are better at repelling water and gaining traction in snow.
  • Check your tire pressure. As the weather changes, you will notice corresponding changes in your tire pressure. That’s because air expands as it gets hotter, which raises the pressure. It contracts as it gets colder, which lowers it. In cold weather, tire pressure can decrease about 1 psi for every 10-degree drop in temperature. That’s why it’s important to check your tire pressure when the weather changes, in extreme heat and cold, and adjust as needed.

Take care of your fluids.

Cold weather affects your car’s essential fluids.

  • Change your oil. Cold weather thickens engine oil. That makes it harder for parts to turn. It also puts a strain on the starter and the battery. Choose a lighter weight oil for winter. Check your owner’s manual for the proper oil weight.
  • Top off coolant (antifreeze) Coolant prevents your engine from overheating or freezing. Check the reservoir tank (not the radiator) and ensure the level is between the “min” and “max” lines. Use the correct coolant specified in your owner’s manual, as using the wrong type can damage the engine. Mix coolant with water in the ratio recommended in your manual.
  • Refill windshield fluid. We use our windshield wipers a lot in the snow and rain. Make sure you have enough wiper fluid. Use a formula designed for low temperatures to avoid freezing. Keep an extra gallon in your car for emergencies.
  • Change differential fluid if needed. This fluid helps to lubricate the gears and helps the wheels rotate at different speeds. It should be changed every 30,000 to 60,000 miles as the fluid breaks down over time.

Take care of your car’s components.

Cold weather can wear down critical parts of your vehicle. Getting your vehicle checked out with routine maintenance helps you stay on top of things.

  • Test your battery. Cold temperatures slow down chemical reactions in the battery, reducing power. Check for corrosion and ensure it holds a charge. Replace old batteries to avoid breakdowns.
  • Inspect belts and hoses. Cracks or wear in belts and hoses can lead to failures in cold weather. Address any issues immediately.
  • Check your brakes. On slippery winter roadways, your brakes must be in good condition. Check and make sure your pads are not worn down. Otherwise, it will take longer to stop and could cause an accident.
  • Check your spark plugs. Worn spark plugs can make your car more difficult to start in the winter. Look for signs of wear like carbon buildup, a damaged ceramic insulator, or oil deposits. Check your owner’s manual for recommended replacement intervals.
  • Change your wiper blades. Snow, salt and slush builds up on your windshield. Your wipers need to work well. If your wipers look dry and feel brittle, if they make noise, or if they leave streaks, you will want to replace them. You can also get winter wipers which have a rubber edge and are heavier than regular wipers. A heavier weight makes the wiper motor work harder so make sure to remove them come spring.
  • Change the cabin air filter if needed. A dirty filter can cause your HVAC system to perform poorly. It can slow down defogging of your windows, and not screen airborne contaminants. Change the filter at recommended intervals.

Equip your car with emergency essentials.

Winter driving can be unpredictable, so pack for the unexpected.

  • Stay warm. Include hand warmers, blankets, and a winter emergency kit.
  • Be ready for snow and ice. Make sure you have an ice scraper and snow brush.
  • Bring along cat litter. Keep a bag of cat litter to sprinkle if you get stuck in the snow or on a slick patch. The extra weight will also increase your tire’s grip on the road.
  • Stay fueled. Fill up your gas tank every time it hits the halfway mark. That way if you’re stranded, you’ll have gas to run the heat and keep you warm until help comes.
  • Stock up. Keep bottled water and snacks handy. In case of a breakdown, that will help.

Finally, protect your vehicle with the right insurance for added peace of mind. Safe travels this season.

 

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.

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