by California Casualty | Auto Insurance Info |
You depend on your car, and your car depends on regular maintenance to keep it running smoothly. But sometimes it’s tempting to skip routine maintenance or put it off because of the cost or the inconvenience of being without your car. Don’t.
These common vehicle mistakes could cost you big time down the road.
Mistake #1: Skipping basic tire maintenance
Your tires are the only parts of your car that make contact with the road and they do it for thousands and thousands of miles. That’s why even basic tire maintenance goes a long way.
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.
If you don’t rotate them, your front tires will wear out more quickly and you’ll need to replace them thousands of miles sooner.
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.
Check tire pressure: You should also regularly check the tire pressure. If yours is a newer vehicle, it comes with a Tire Pressure Monitoring System (TPMS) which helps you know when you’re low.
An underinflated tire will increase your risk of a blowout.
Mistake #2: Ignoring your fluids
Your car relies on engine oil, coolant, brake fluid, transmission fluid, and power steering fluid. Fluids deteriorate over time and can get dirty, making them less effective and even corrosive. It’s important for all of these fluids to be at the right levels so they can do their job.
Change the oil: Engine oil keeps everything lubricated, but it gets dirty over time. Changing the oil regularly is important. It used to be that we changed the oil every 3,000 miles but if you’re using synthetic oil, you can go longer. Check your vehicle recommendations for the timeframe.
If you don’t change your oil, it can become so dirty that it doesn’t work. That will cause your engine to overheat, blow a gasket or seize up.
Check the coolant: Coolant, or antifreeze, keeps your engine from overheating or freezing. If your temperature gauge is running high, it’s time for a coolant flush. You also might notice a maple syrup scent that occurs when your car is burning through coolant and needs a refresh. You should have your coolant system inspected regularly; check your vehicle’s maintenance schedule.
Your engine could overheat or blow a gasket, necessitating major repairs. Dirty coolant also can cause corrosion.
Check the brake fluid: Brake fluid can last for years. But sometimes moisture can get into the sealed system and impact your ability to brake and cause corrosion. Get your fluid checked every couple of years.
If you don’t maintain your brake fluid, your brakes may feel spongy and it may take longer to come to a stop. Your brakes could even fail.
Change the transmission fluid: Transmission fluid lubricates the gears, cools them, and helps provide hydraulic pressure to make them work. Whether you drive a vehicle with a manual transmission or one that’s automatic will depend on how often you need fresh transmission fluid. Check your vehicle’s maintenance schedule.
If you don’t change your transmission fluid, you will have difficulty shifting gears and your transmission could overheat.
Look for leaks in the power steering fluid: Power steering fluid helps you turn the wheel easily. As long as there are no leaks, and your car’s manufacturer does not suggest changing the fluid, you’re probably fine to leave it be.
If there is a leak, and your fluid dips down, it will be hard to steer. Parts of your steering system could corrode.
Mistake #3: Waiting too long to replace your brake pads
Brake pads apply pressure on the rotors, which is what ultimately slows and stops your vehicle. How fast they wear depends upon your driving habits, your car’s make and model, and other factors. You might notice signs of your pads wearing out, such as a squeaking sound or a clicking noise when you brake. The brake pedal may vibrate when you brake. Perhaps it takes you longer to brake. Don’t wait for weeks or months after the first warning signs.
Without good working brake pads, the whole braking system could overheat and fail. It also could cause damage to the rotors.
Mistake #4: Ignoring noises or dashboard warnings
Sounds serve as warning signals. That’s why if you hear something new or unusual when you’re driving, pay attention. Here’s what some common sounds could mean:
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- Hissing – leak in the cooling system or the vacuum system
- Clunking over potholes or bumps – faulty, loose, or worn parts
- Howling – bad bearings or worn gears
- Knocking – valve clearances need to be adjusted or rod bearings need to be replaced
- Shrieking – serpentine belt may be slipping or need to be replaced
- Moaning or growling – failure of the power steering pump
- Metallic rattling or pinging – abnormal ignition
- Crunching – clutch issues in a manual transmission
Also, don’t ignore the dashboard warnings. Those lights are there to give you an early indication that something needs to be addressed.
Waiting too long to address a noise or dashboard indicator gives the problem a chance to become larger and more expensive.
Mistake #5: Not following your car’s maintenance schedule
The most important thing you can do is to follow your car’s maintenance schedule. This schedule is specific to your vehicle and will help to avoid costly repairs. It increases safety, helps maintain your vehicle’s value, and ultimately saves you time. Just as preventive care keeps you healthy, this maintenance schedule keeps your car operating at peak performance.
Not following your car maintenance schedule could void your warranty, and you’ll be responsible for the expensive repairs.
Your vehicle is an investment. Protect it with the right maintenance and the right insurance.
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.
by California Casualty | Auto Insurance Info |
You got a new car—or a “new” used car. Now you have to figure out your car insurance. Here’s what you need to know about the most common types of auto coverage: liability and coverage for damage to your auto (comprehensive and collision).
Liability Coverage – What is it?
If you cause an accident, you are liable (responsible) for damages. Liability coverage is used to pay for those damages that you caused. Importantly, it does not cover any damage to your own vehicle; that’s covered by collision. It also does not cover injury to you and your family; it only covers the people in the other car. Liability coverage is required by law in most states.
There are two types of liability coverage:
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- Bodily injury coverage helps pay for medical expenses, lost wages, and pain and suffering for the driver and passengers in the other vehicle.
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- Property damage coverage helps pay for repairs for the other vehicle or for repair/replacement of property, such as a fence, damaged or destroyed in the collision.
We say “helps pay” because it depends on how much coverage you choose. The costs of an accident can be more than your insurance policy limit.
You choose a coverage limit.
Each state sets a minimum amount. The main goal of liability insurance is to protect your assets, and so you may choose a higher limit than the state specifies. You’ll want to take into account the amount of medical expenses that could be incurred in an accident. You could be responsible for lost wages for the driver. Even if he or she dies, you could be providing lost wages for the driver’s family.
Your insurance will only pay for the amount that you’ve designated. The rest comes from your pocket.
Example: Let’s say your liability limit is $50,000 per person. The driver of the car you hit has $40,000 in medical expenses. His passenger has $60,000. You would be responsible for paying $10,000 of medical costs for the passenger.
California Casualty offers a Package Discount where you may actually pay a bit less for carrying above state minimums and a discount if you carried 100/300 with your prior carrier. It doesn’t always cost a lot to bump up your coverage.
Most auto policies have three liability limits:
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- Bodily injury liability limit per person
- Bodily injury liability limit per accident
- Property damage liability limit per accident
Limits are usually listed as follows: 30/60/15 describing $30,000, $60,000, and $15,000 of coverage respectively for bodily injury per person, per accident, and property damage. Some insurers offer a combined single liability limit that covers both bodily injury and property damage.
Liability coverage can protect you in a lawsuit.
The driver of the other car may decide to sue you. If that’s the case, your home and savings could be at risk. Liability insurance could help protect these assets by covering the cost of the lawsuit, lawyer’s fees and court costs.
Collision Coverage – What is it?
Collision coverage helps to pay to repair your vehicle or get one of equivalent cash value if yours is totaled. This applies both to accidents with other drivers and collisions with objects such as a fence or mailbox. It also covers vehicle rollovers. Unlike liability insurance, collision coverage is not usually required—unless you’re leasing a car or paying off a loan on a vehicle. However, it may be good to have.
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- If you’re in a crash with another driver, and they were totally at fault, their property damage liability insurance will pay for your car’s repair or replacement.
- Your collision insurance kicks in if the other driver does not have enough property damage insurance—and if you don’t have underinsured (UI) or uninsured motorist (UIM) coverage.
- UI and UIM coverages are for injuries that you sustain if hit by an at-fault uninsured or underinsured motorist. You would either need to carry collision or uninsured motorist property damage (UMPD) coverage. This coverage often has a maximum limit (for example, $3,500). Most people carry one or the other but not both.
- If you were at fault in an accident, your collision insurance will cover the costs of your repairs.
Your coverage limit is the value of your car.
The maximum amount your insurance company will pay is the actual cash value of your car. If you total a used car, you’ll receive a total loss settlement that will go toward replacing your car.
With collision coverage, you will have a deductible. This is the amount that you have to pay out-of-pocket before your insurance kicks in. Choosing a higher deductible is one way to lower your insurance premiums. In most cases, you can’t buy collision-only coverage; you have to buy comprehensive coverage, too.
Comprehensive Coverage – What is it?
Comprehensive coverage is for damage to your vehicle other than collisions. Therefore, it’s not for accidents. It is for natural disasters, fires, vandalism, theft, and animals that damage your vehicle. Think of it as “bad luck coverage.” Comprehensive coverage is not usually required unless you’re leasing a vehicle or paying a car loan.
As with collision, your coverage limit is the actual cash value of your car.
Comprehensive coverage pays as much as the total value of your car—but not more. It makes sense to cover a new car. If your car is old and has little value, you may opt not to have comprehensive coverage. Just make sure if you do, that you have the funds available to repair or replace your car. With comprehensive coverage, you usually have a deductible. California Casualty does offer a policy with a zero deductible.
Do I really need comprehensive coverage?
Let’s say you have an old car, paid in full, that isn’t worth much. Car and Driver offers the following formula to determine If you need comprehensive insurance.
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- Calculate your vehicle’s value.
- Subtract the deductible on your insurance policy.
- Subtract the cost of a six-month policy for comprehensive coverage.
- If you get a negative amount, it’s probably not worth it to continue to pay for this coverage.
Where you live may influence your decision.
If you live in a high-crime area, a wooded area with lots of deer, or a place with severe weather or flooding, you will want comprehensive insurance. It offers additional peace of mind for some likely scenarios.
Liability, collision, and comprehensive coverage are the main parts of a vehicle insurance policy. You can check the declarations page of your vehicle policy to see how much you are paying for each. For an overview of the car insurance you need, contact your insurance agent.
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.
by California Casualty | Auto Insurance Info, Homeowners Insurance Info |
Your student is headed to college out-of-state – or across the state. It’s a milestone, and you’re helping them set up all of the necessary items associated with that big move, furniture, textbooks, food, cleaning supplies, etc.
In the midst of all of your preparation, don’t forget one of the most important items – insurance. Whether they stay on your policy or decide to get one of their own, you want to make sure your son or daughter is fully covered in terms of car and home/renters insurance.
Auto Insurance
Here are some common auto insurance questions for parents of college students.
My student won’t have a car away at school; do I still need to keep them insured?
Some students drive thousands of miles away so they can have their car with them, but others would rather keep their cars at home, and opt for flying in and using public transportation when they arrive. To avoid overcrowding, some schools even set limits on who can have cars on campus.
If your son or daughter will not have a car at college, you should still keep your student on your auto policy. This will avoid a lapse in coverage, and he/she may need to drive in an emergency and also will be coming home for breaks. (If your child has a car that will be kept at home and not driven while he/she is at school, ask your insurance company whether you qualify for a discounted rate.)
Do I need to change my insurance coverage to the state where the college is located?
Since college is not considered a permanent address, your student can keep his state driver’s license and the car may be registered and insured in your home state. However, you will want to check the insurance requirements where your student is attending college—and make sure that your state’s policy meets their minimum standards in the event of an accident. Either way, make sure that you notify the insurance company that the car will be kept in a different state so that they may update their records.
Should my student get his/her own auto policy?
As long as your son or daughter is still living with you, and you own the car he/she is driving, there is no need to get them their own car insurance, unless you would like to. There also is no specific age where you have to make that transition. A common time to switch to their own policy is when young adults move from the family home to their own first apartment.
If your student is living off-campus, and maintaining that address year-round, you may consider a separate auto policy.
Are there any discounts that we qualify for?
Your student may qualify for a good student driver discount, available from many insurance companies with proof of grades. Ask your insurance agent for other discounts that may be available.
Don’t forget! If your student is enrolled in school full time, was a resident of your household before moving out to attend school, and is a relative 24 years or younger or 21 or younger and in your care, your California Casualty homeowner’s policy offers the personal property protection they need as well.
Whether your child stays in a dorm on campus or resides in a leased residence off-campus, 10% of your homeowner’s personal property coverage (coverage c) extends to their possessions while they are away. If you believe they need more than that 10% coverage – for expensive musical instruments or computer equipment – then consider adding a scheduled personal property endorsement to your policy. With computers, tablets, smartphones, gaming systems, furniture and clothes, you would be spending thousands of dollars to replace your student’s possessions without this layer of protection.
You can’t be with them at college, but you can still protect them—with the right insurance.
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.
by California Casualty | Auto Insurance Info |
It’s tempting to look when you drive by an accident. You slow down and glance back, taking your eyes off the road for a brief moment. It’s a practice called rubbernecking, and it is a form of distracted driving.
The term rubbernecking dates back to the late 1890s, to describe people who turned their heads to listen to other people’s conversations. By the early 1900s, rubbernecking was used to describe tourists striving to see everything from their seats in wagons, cars, and buses. Today, it is a term for motorists who slow down, craning their necks to see an accident, usually on the other side of the road.
Why do we rubberneck?
Blame it on our natural curiosity. Those flashing lights attract our attention. We may be concerned about the people involved in the accident. We want to find out what’s going on. We can’t seem to look away, a reaction that may be tied to our fight-or-flight instinct. Our brain is evaluating the threat.
While rubbernecking may be a natural response, it is not a safe one. Here’s what you need to know about rubbernecking, including how to keep yourself safe on the road.
Rubbernecking…
Is distracted driving.
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- A glance away of just 5 seconds when you’re traveling 55 mph means you have traveled the length of a football field without looking at where you were going!
Delays your response time.
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- When you take your eyes off the road, you miss seeing brake lights, traffic lights, and pedestrians. By the time you see them, it may be too late to avoid a car accident.
Causes accidents.
Can also cause traffic jams.
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- Rubbernecking starts a chain reaction of braking, which slows everyone down even though there is no real barrier on the road ahead.
Tips to Prevent Rubber Necking
Follow these steps to keep you and your passengers safe.
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- Keep your eyes on the road. Resist the urge to look.
- Turn on your blinkers so cars behind you know you are slowing down.
- Ask your passengers to refrain from rubbernecking or taking photos or videos of the accident. Their movements in the car to get a good picture could cause added distractions or a blind spot for you, the driver.
- Be extra careful driving by a crash. Know that other drivers may not be paying attention because they’re rubbernecking.
- If you don’t have to be on the road during busy times, you may be able to avoid the holiday traffic and the potential for rubbernecking.
Using crash screens can also help reduce rubbernecking. A University of Florida study found that screens that blocked the view of an accident were effective in reducing rubbernecking.
We are still in the 100 Deadliest Days, so remember as you get on the road this summer, travel safely. And if you see an accident, try your best to keep your eyes on the road ahead.
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.
by California Casualty | Auto Insurance Info |
It’s hot… but you’re not the only thing feeling the heat. Rising temperatures are not only dangerous for us; they can also wreak havoc on our vehicles.
As the summer heat bears down in the midst of vacation and road trip season, here’s what you can do to help better protect your car on and off of the road.
How to Prevent…
Tire Damage
Your tires expand and contract in extreme temperatures. That’s why you find yourself losing more air in the winter and/or having overinflated tires in the summer. In general, you will lose or gain 1 PSI (pound per square inch) for every 10-degree temperature change. This means in the summer you could easily gain over 2 PSI. Not keeping your tires at the right pressure can reduce maneuverability and cause a blowout resulting in an accident.
To avoid tire damage in the summer, check them every few weeks to make sure you have the correct amount of pressure. Proper summer tire inflation will decrease your chances of having an accident, give you a smoother ride, and improve your gas mileage.
It’s better to be safe than sorry- if you are driving to a vacation destination, even if you just checked your tire pressure, be sure to have a spare on you just in case.
Engine Overheating
While an engine can overheat any time of the year, the summer heat will increase your chances. The high temperature itself, the heat coming off of the asphalt, and the ambient temperature surrounding the engine all play a factor in your engine becoming too hot. Of course, there are other factors that could also cause your engine to overheat including leaks, coolant problems, radiator issues, or even a damaged water pump.
So, how do you keep your engine from overheating? Routine maintenance is key for a healthy engine that can withstand the summer heat. Get regularly scheduled oil changes, frequently check your coolant levels, and replace old belts and hoses.
Unfortunately, sometimes overheating is unavoidable- especially if you have an older engine. And if an overheated engine is not handled properly, it can start a fire or ruin your vehicle. If your vehicle starts to overheat, turn off the A/C and crank up your heat. We know this sounds bizarre in the summer, but it will pull heat away from your engine and give you time to pull over to a safe location. Next, shut off your car for about 15 minutes. Keep an eye on your temperature gauge and make sure it starts to drop. If you haven’t already, this is where you will need to check and add your coolant, if needed. Finally, after giving it a few minutes rest, restart your engine and take it to your local mechanic.
Weakened Battery
Summer temps can also suck the life out of your battery. The heat leads to the evaporation of vital liquids resulting in a weakened charge. This can lead to corrosion which will damage the internal structure of your battery.
A heat-damaged battery won’t last long, especially once winter rolls around. To keep your battery in good working condition during the summer and prevent any weakening, park in the shade, keep your battery clean, limit short trips, avoid using electronics when the engine is off, and make sure your batteries’ heat barrier is still in place.
Watch for signs of your battery failing. If your battery light is on or your engine is slow to start it may be time for a replacement.
Fluid Leaks
The sun can evaporate important fluids in your vehicle, like coolant and brake fluid. Summer heat can also blow a head gasket or cause your gas to vaporize. When gas turns to vapor it increases the pressure in your gas tank and could potentially crack your hose systems. A cracked hose can lower your fuel efficiency, and if a hose were to break it could destroy your engine.
Keep your car in the shade, consistently check fuel levels, replace old hoses and belts, and continue with routine maintenance to decrease your odds of a leak. If you see a puddle, stain, or other types of liquid under your car after it has been sitting, it’s often a sign that you have a fluid leak and your car requires attention.
Other Interior & Exterior Damage
The heat won’t only affect your vehicle under the hood. It can cause fading, cracking, and other damage to your dashboard, seat, and exterior paint. And any one of these could be a costly repair.
Save yourself the money and stress and keep the sun from damaging your vehicle by keeping up with routine maintenance and cleaning, and also avoiding leaving your car in the sun whenever possible.
To protect your interior always
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- Park in the shade when you can or use a sun-shield to protect your dash
- Cover your seats and steering wheel with covers to prevent fading and cracking
- Use detailing products to eliminate dust particles that could cause scratches
For the exterior remember to
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- Keep your car in the garage or covered when you can
- Wash and dry your car often to get rid of debris that could fade your paint
- Wax your vehicle to give added protection against harmful rays
Stay safe in the heat and keep your vehicle safe too this season. Extend your vehicle’s life for the many summers ahead by following our tips and taking the proper precautions.
For more hot car, myths click here.
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.
by California Casualty | Auto Insurance Info |
We love—and need—our cars. So we should protect them to the fullest extent. July is National Vehicle Theft Protection Month and it’s the perfect time to take a look at whether we’re doing all we can to keep our cars safe.
Vehicle theft is more common than you think.
The pandemic has caused vehicle thefts to surge to the highest number in more than a decade. There were 873,000 vehicles stolen last year, up from an annual average of 750,000. A car is stolen in the U.S. every 36 seconds. As car prices rise and demand continues, we expect this trend to continue, too.
Don’t think it can happen to you? Think again- anyone can be a victim of vehicle theft. It takes less than 60 seconds for a thief to open your vehicle. They can use shaved or worn-down keys to jiggle the lock open. They can break the window or hotwire the car. For “keyless” vehicles, they use wireless transmitters to capture the signal from your key fob. They can also jam your signal as you’re locking your doors so that your vehicle doesn’t really lock.
How do you prevent vehicle theft?
Thieves are looking for an easy target. The harder you can make it for them, the less likely they are to target your car. Here are some ways you can prevent a break-in.
Anti-Theft Safety Devices
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- Safety locks
- Steering wheel locks attach to the steering wheel to lock it in place.
- Tire locks attach to the outside of the tire, but are not easy to take on and off, so best for vehicles parked long-term.
- Hood locks vary by make and model so get one that fits yours exactly.
- Catalytic converter locks protect this car part that is often stolen.
- Car alarms usually require professional installation.
- GPS trackers are different than your GPS. They are specific devices to help the police find your car.
- Kill switches and engine immobilizers interrupt the ignition process. They change how your car operates so they’re not right for everyone.
Keyless Entry Safety
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- Store the key fob in a signal-blocking box.
- Carry the fob in a shielded wallet or aluminum tin.
- Switch off your fob at night (if your key has this feature).
Other Steps You Can Take
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- Etch your car’s VIN number on each window. Thieves often change the VIN to hide the identity of the car. They will not want to have to replace all the glass and may avoid your car as a result.
- Make sure your driveway is well lit.
- Trim shrubs and trees so you can clearly see your car from inside your house.
- Keep your vehicle doors locked when away from the car even for a minute.
- Close all windows, including the sunroof. Don’t leave your window cracked open even if it’s hot in the summer.
- Park in secure, well-lit areas.
- Don’t leave valuables in view. They could be tempting for a thief.
- Don’t leave your key in the car or your car running.
- Don’t keep your spare key hidden underneath your car. Thieves know where to look.
- Take your garage remote out of your car so thieves don’t have access to your house.
Remember, never leave any personal information in your car, such as a social security card, driver’s license, birth certificate, passport, or financial statement. Otherwise, you could be a victim of identity theft as well as vehicle theft.
Is your vehicle on the most stolen list?
Thieves prefer popular, high-performance cars, with interchangeable parts. They also like older cars, which typically do not have complex locks and security systems and can be sold for parts. Here are the latest statistics on the most common stolen vehicles in the U.S.:
- Honda Civic
- Honda Accord
- Ford Pickup
- Chevrolet Pickup
- Toyota Camry
- Nissan Altima
- Toyota Corolla
- GMC Pickup
- Dodge Pickup
- Jeep Cherokee/Grand Cherokee
Some regions are prone to car theft. Check your local statistics to see if yours is one.
What do you do if you are a victim of a theft?
Even if you take the proper precautions, thefts can still happen. If you are a victim of car theft, here are the steps to follow.
Step 1: Contact the police. Make sure that you have all of the information about your car, as they will need it. This includes the year, make, model, color, license plate number and vehicle identification number (VIN), any special markings (including dents). Write down the police report number; you will need it.
Step 2: Contact your insurance provider. You will need to provide them with the police report number and information about your vehicle. Your provider can tell you what your policy covers in the event of a theft.
Step 3: Arrange for transportation, such as a rental car. Note that rental car companies have a minimum age, usually 25. Some companies may offer rentals to younger drivers but at a higher cost.
Does insurance protect you if your vehicle is stolen?
If you have comprehensive auto insurance, you will be covered in case your car is stolen. Insurance will cover the cost of a replacement car, minus any deductibles or rental car costs that you may need to pay. Drivers who are paying loans on their vehicles are required to have comprehensive insurance. However, once you have paid off your car, this insurance is optional. Check with your insurer to see what is covered in the event of theft.
You can often save on your insurance premiums if you install anti-theft devices. Ask your provider for more information.
It typically takes 30 days before a vehicle is considered gone forever. Work with your insurance provider to get your claim paid, so you can get back on the road.
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.
