Your car is more than just a mode of transportation; it’s a companion on life’s journey. But like any good friend, it needs a little care to keep it going strong. Whether you’re a road trip enthusiast or someone who relies on their wheels for daily commutes, extending the life of your vehicle makes sense. So, buckle up as we explore some simple yet effective ways to make your car last longer.
Ditch the heavy keychain.
When you put the key into the ignition, a heavy keychain can drag it down. That puts pressure on the tumblers inside the ignition. Over time, that can cause the ignition switch to fail. If your car keys share space with lots of other keys, consider a car-only keychain.
Watch for this warning sign: your key sticking in the ignition when you turn on the car. Get the ignition replaced before it leaves you stranded.
Use your parking brake.
The parking brake has an important job: to keep your car from rolling when parked. However, you don’t just need a parking brake on an incline; you need it whenever and wherever you park. Parking brakes help take the stress off the transmission. In addition, if not used, your parking brake can corrode over time. This can lead to expensive repairs. So, engage that parking brake whenever you park.
Don’t idle in the driveway.
It’s not a good idea to idle your car for long periods of time. Not only does it waste gas, but it can also do some damage. During idling, the oil pressure may not send oil to every part of the engine. The engine also won’t operate at its peak temperature. That means there could be incomplete fuel combustion, soot deposits on cylinder walls, contaminated oil, and damaged components.
Be mindful of moisture.
Moisture can do a lot of damage to your vehicle. Water that seeps into your car’s body panels can cause rust. Extreme heat and humidity can reduce your car’s battery life. Moisture inside your car can also lead to mold and mildew. Finally, salt water can damage your car’s paint. Don’t drive through water, which can expose your undercarriage to unnecessary moisture. Clean corroded battery terminals if you live in humid areas. Make sure to keep your car dry and as cool as possible during the hot, humid months to avoid expensive future repairs.
Change the oil and the air filter.
If your oil is dirty, it can affect the components in your engine. Without proper oil changes, your engine could seize up, which will cost you more than nearly any other car repair. Most manufacturers suggest changing the oil every 5,000-7,500 miles. Newer vehicles will alert you when you need an oil change. You also need to change the air filter, although not as often as the oil. The air filter removes dirt and debris, which also can harm your engine. Change your air filter every 15,000 to 20,000 miles.
Help your tires wear evenly.
Tires naturally wear down over time. Keep them working well by inflating them at the recommended pressure. That will help prevent blowouts. Tires also wear unevenly; that’s why it’s important to rotate them every 6 months or 6,000-8,000 miles. Otherwise, your tires will wear out faster and have to be replaced.
Wash your car.
Cars get dirty, and that dirt buildup is more than cosmetic. It can slowly destroy your paint, which can lead to rust. That’s why washing your car is important. How often depends on the weather, whether you park outside, and if your car is exposed to pollen, bugs, sap from trees, salt on winter roads and more. Wash biweekly or as needed and wax every month or so.
Prevent pests.
If you leave food and wrappers in your car, you could attract mice and bugs. They in turn can do damage that requires repairs. Clean up all food items, wrappers, and containers. Block broken seals or holes where they can get in. If you suspect pests, have your upholstery professionally cleaned.
Protect the interior.
Leather can become dry and brittle after years of exposure to the sun. Apply a conditioning solution routinely to help prevent cracks and keep seats in good condition. Use a windshield shade to help slow upholstery fading.
Don’t fill your tank if you see the tanker.
Gasoline tankers can stir up sediment as they refuel the tanks at gas stations. That could cause you to get dirty gasoline, which can clog your fuel filter or fuel injector. Avoid filling up at a station when it is being filled by a tanker. You’ll avoid a potential expensive repair.
Avoid bad driving habits.
Certain driving habits can reduce the lifespan of your car. Don’t brake hard all the time, it can lead to deterioration of your brake pads. Don’t turn at high speeds; that’s hard on your tires. Don’t strongly accelerate when the engine is cold. Don’t rev your engine when your car isn’t properly warmed up. Avoid potholes and running over curbs which can harm your tires. Good driving habits can help reduce the need for expensive repairs.
Pay attention to maintenance lights.
Don’t skip routine maintenance. It may cost you now but save you money in the long run.
If you have a newer car, it will let you know when it needs service. When the maintenance light is on, schedule your appointment. However, you can look out for things, too. If you hear an unusual noise, take your car in. Watch for puddles under your car. It’s better to get ahead of potential problems than to pay for them as they become big issues.
Keep your car protected.
You may do everything right but accidents still happen, including some that could total your car. Your car is one of your greatest investments. Protect it with the right auto 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.
We all know the basics: stop at red lights, obey the speed limit. What about laws about passing cars on the right, or restraining pets in your vehicle? We put together a list of the lesser-known traffic laws that potentially could land you in trouble if you break them. Not knowing about them – unfortunately – isn’t a defense if you get stopped.
Use your turn signal.
Most states require that you signal when you turn right or left and when you change lanes. In fact, you are supposed to signal 100 feet before you turn or move to a new lane. You could get flagged for a non-criminal moving violation if you fail to do this.
Don’t change lanes in the middle of an intersection.
In some states, it is illegal to change lanes in the middle of the intersection. You’re expected to stay in your lane as you cross through it. Even when it is legal, it might be unsafe, and you can be pulled over for that, too.
Come to a complete stop at a stop sign.
You may be tempted to pause rather than stop at a stop sign. The law clearly states that you must come to a complete stop. That means no forward momentum with the speedometer at 0. If you don’t come to a complete stop, you can be cited for running a stop sign. We suggest stopping for three seconds, which will be long enough for an observing police officer to see you have stopped. It’s also long enough for you to check for oncoming traffic, pedestrians, or road hazards.
Follow the rules at a four-way stop.
With a four-way intersection, every driver has a stop sign. That means each vehicle should come to a complete stop. The first vehicle to arrive has the right of way. If two cars arrive at the same time, the car to the right goes first. Bicycles must follow the same rules as cars at a four-way stop and yield to the vehicle who arrived first, or the one on the right. Pedestrians, however, have the right of way, and can cross before any vehicles proceed.
In New Jersey, you cannot pass a car on the right except in special circumstances. The car must be turning left or there must be at least two lanes of traffic traveling in the same direction. In Massachusetts, Pennsylvania, New Jersey, and Illinois, it’s illegal not to move to the right if a car is trying to pass you. In some states, the far left lane is only for passing.
Restrain your pets.
We want to keep our pets safe, and there are several states that have laws on the books to make sure we do. New Jersey has a law requiring you to secure your pet in a carrier or with a seatbelt. In Hawaii, you can be fined for having your pet on your lap or rolling down the windows without restraining your pet. Maine, Connecticut, and Arizona classify pets under distracted driving.
Know when to yield.
It may be obvious that you need to yield at a yield sign. But did you also know that in many states, you must yield to pedestrians in a crosswalk? You also must yield to those who are blind and using a white cane or seeing eye dog. In a “T” intersection, where a road dead ends into another road, the car at the dead end must yield to the continuing road. Finally, if you’re making a turn onto a road, you must yield to traffic on that road.
When you see flashing lights, it’s time to slow down and move to the side of the road. This allows for the safe passage of emergency vehicles. Every state has a Move Over law except for Washington, DC. If you don’t move over or slow down, you could be subject to a fine, license suspension, or even jail time.
Put headlights on when it’s raining.
Visibility is down when it’s raining. That’s why several states require headlights to be on anytime your wipers are in use, even in daylight. Some states only require headlights in dense fog, low visibility, and at night. In these situations, your headlights can help other drivers see you better.
Don’t tailgate.
Tailgating is considered a traffic violation. While states aren’t consistent with how they define tailgating, often such tickets are issued after a rear-end collision. If you’re alert and focused on the road, it takes you about 2 seconds to react to a roadway hazard. That means a safe following distance is at least 3 seconds or more. Use the 3-second rule as a starting point. You can measure the distance in seconds this way: Find a landmark such as a mile marker or telephone pole. Start counting once the car in front of you passes that landmark. Count slowly until your car reaches the same landmark. That is the number of seconds that you are traveling behind the vehicle in front of you.
Wear your seat belt.
Most of the country has laws for seat belts. Some states require you to wear both front and back seat belts. Others just focus on front seat belts. If you’re caught without your seatbelt, you could be subject to fines.
Know your state’s cell phone laws.
Most states require cell phone use to be hands-free, and consider texting while driving as distracted driving. However, some states go further and penalize drivers for accessing, viewing, or reading non-navigation content on phones.
Most states require drivers to carry auto insurance. The state sets the minimum amount and type. Generally, this includes bodily injury liability and property damage liability. If you have a leased car, your lender will require you to have more extensive coverage.
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.
Your best friend wants to borrow your car. He wouldn’t ask unless he really needed it. So even though you know about his past fender benders, you give in. What happens if your friend gets into an accident in your car? Read on to find out.
Car insurance follows the car, not the driver.
You may assume that your friend’s insurance will cover him, since he got into the accident. That’s not the case. Car insurance covers the car rather than the driver. You don’t even have to be in the car. If your car is in an accident, and the driver is at fault, your insurance will be used to cover damages to the vehicles involved. If you carry collision coverage, it will take care of damage to your car, less your deductible. If your coverage isn’t enough to pay all the damages, your friend’s auto insurance may act as secondary coverage.
Interesting sidenote: While car insurance follows the driver, that’s not the case with tickets. If your friend gets a ticket while in your car, that only affects his record.
Permissive use vs. non-permissive use
The fact that you gave permission to your friend is important. Most auto policies allow you to lend your car to a person for occasional, short-term use. If they are driving your car on a more regular basis, you need to add them to your policy. It’s worth noting that coverage limits may vary under permissive use.
Sometimes a family member or friend borrows your car without permission. If they cause an accident, you are not responsible for the damage. However, it can be difficult to prove that you did not grant them permission. Plus, you will still need to get your car repaired and file a claim with your insurance company. A good tip is to keep your keys secured away from others if you have concerns with them taking your vehicle.
When insurance won’t pay
There are very few instances where insurance will deny coverage of an accident. These include:
If the person is specifically excluded from your policy
If the person was intentionally breaking the law
If the person borrowed your car to offer a commercial service, like a rideshare
How coverage works
For those times when insurance does pay, here is a breakdown of the coverages that typically apply in a car accident:
Collision: Your collision coverage will pay for repairs to your car minus the deductible. Collision coverage is not required unless you’re leasing a car or paying off a loan on a vehicle. However, it may be good to have, especially in the event of an accident.
Liability: Liability covers damages to the other vehicle. This coverage is required by law in most states. The two main types of liability coverage are bodily injury and property damage.
Bodily injury: This coverage helps pay for medical expenses, lost wages, and pain and suffering for the driver and passengers in the other In no-fault states, your own injuries are typically covered by your auto policy through a Personal Injury Protection (PIP) claim. (It differs from state to state.)
Property damage: This coverage helps pay for repairs for the other vehicle or for repair/replacement of property, such as a fence, that is damaged or destroyed by the collision.
Uninsured/Underinsured Motorist Property Damage: If the other driver is at fault and is not insured or is underinsured, UMPD coverage will help pay for repairs. These are optional coverages in most states. In some states, you are not allowed to carry collision and UMPD at the same time. Also, sometimes UMPD has a policy maximum, or cap on the amount it will pay.
Lending your car can be an expensive favor.
Think carefully before you lend your car to anyone. Even though you didn’t cause the accident, your insurance rates can go up at the next policy renewal.
Before you lend your car, it’s a good idea to review your auto policy and the policy of your friend or family member. Your insurance provider can help to answer any questions you may have.
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.
The winter season is a season of joy, celebration, and togetherness for many of us. For first responders — police, firefighters, nurses, paramedics – this time of year looks very different.
Winter is the time when emergencies increase. Icy conditions cause accidents. There are more heart attacks in cold temperatures. House fires are more common. Thefts are too. All of this keeps first responders working hard, and often extra hours. That means they sacrifice time with their own families to keep us safe.
Here are some thoughtful ways to show appreciation to our local heroes this holiday season and throughout the year. Remember, the key is to express genuine gratitude and to make these gestures personal and heartfelt.
Deliver some holiday cheer.
Make or buy some food or treats. Drop off coffee for the morning shift. Include donuts or pastries. A soft pretzel or cookie tray is always fun, and a homemade hot meal goes a long way. You also can drop off gift cards to local restaurants. Include cash to cover delivery fees and tips.
Bring a basket.
It’s cold out there. Put together an appreciation basket that includes the things that will make life easier for first responders doing their jobs this winter. Consider hand warmers, ChapStick, hand lotion, cough drops or hard candy, tissue packs, hot cocoa packets, and tea bags. Discover some more ideas in our blog on a winter survival kit.
Send notes and pictures.
Encourage your family and friends, especially children, to create handmade thank-you cards expressing appreciation for the hard work of first responders. Collect these cards and deliver them to the local police station, fire department, or hospital. Don’t forget that a personal handwritten note by anyone of any age is always appreciated.
Share your gratitude.
Write a letter to your local newspaper, sharing a positive story about the service provided by first responders in your community. Use social media platforms to thank your local first responders. Your positive stories can inspire others to express their gratitude as well.
Host a community appreciation event.
Coordinate a community gathering or event to express gratitude. This could be a small ceremony, a casual get-together, or a potluck dinner where community members can interact with first responders in a relaxed setting.
Offer your skills or services.
If you have a skill or service that could benefit first responders, consider offering it as a token of appreciation. This could range from providing free maintenance services to organizing a free workshop on stress management or well-being.
Support first responder charities.
Contribute to charities or organizations that support the well-being of first responders. This could involve monetary donations, volunteering your time, or organizing a fundraising event to benefit these essential workers.
Collaborate with local businesses.
Partner with local businesses to offer discounts or special promotions for first responders, police, firefighters, and nurses. Not only does this show appreciation but it also supports local businesses.
Volunteer at the station.
Offer your time by volunteering at the local police station, firehouse, or hospital. This could involve helping with administrative tasks, organizing events, or simply being a supportive presence.
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.
You’re looking forward to your family get-together, but you could do without the drama. How do you keep harmony in the house, including talking to loved ones who have drastically different viewpoints than yours?
Follow these tips to create a more harmonious and enjoyable gathering for all.
The bigger the gathering, the greater potential for friction.
Chances are your family or friends will venture into discussions about politics, religion, marriage, dating, and other potentially controversial topics. This can be stressful. Remember that you are not obligated to talk about them. Follow these strategies to stay away from conversational landmines. (If you do want to engage, there’s advice later in this blog.)
If someone brings up the topic, gently remind them that there are 11 other months in the year to have the conversation. Today is for celebrating family and the holidays.
Change the subject. Brief a few family members beforehand so that they can do that as well.
Set up a quiet corner or room for those who need to withdraw from the larger gatherings. Use it to relax and recharge.
Children’s quarrels can sometimes set off adults. Make sure there is a teenage cousin to help keep kids safe and entertained or hire a babysitter.
Fun is a great buffer.
It’s hard to get into controversial topics when you’re singing, playing games, or exchanging gifts. Put fun on the agenda and everyone is sure to have a great time.
Sing carols. Put on a talent show. Watch a movie. Enjoy family holiday traditions.
Play games but keep them noncompetitive so everyone can enjoy them.
Host a Secret Santa or White Elephant gift exchange for fun and funny moments.
Supply everyone with funny hats or themed props. Take plenty of photos.
Put on some music and dance.
Set the stage for thoughtful conversation.
Interactions with family and friends are opportunities to stretch your perspective. When you’re ready to discuss one of those controversial topics, do it out of the way of the main gathering. Importantly, you don’t want to create tension or start an argument. Before you discuss something controversial, set up a friendly environment.
Start with topics that reinforce your relationship. Talk about how good it is to see each other. Compliment the food.
Remember that most people’s opinions are shaped by their past experiences, their culture, and their religious beliefs. These shape a person’s opinion more than actual knowledge of the topic.
Before you engage in controversial conversation, tell the person that you care about them. Tell them you appreciate their perspective.
Engage in next-level listening.
If you’ve ever felt misunderstood, you know the importance of really listening to someone. Active listening is an art. So, when you’re ready to engage in a potentially controversial topic, ask, “What do you think of…x, y, z?” Then, don’t say a thing. Simply listen.
Be conscious of your body language. Don’t cross your arms, which can convey a sense of disagreement. Keep your body open, relaxed, and attentive. If sitting, lean forward.
Keep regular eye contact. Do not stare, however; keep it natural.
Use simple gestures to encourage the other person to talk. Use an occasional head nod or “mm-hmm.”
Offer the other person uninterrupted time to talk for a few minutes.
Then, reflect. Summarize what you heard. If you’re off target, it gives the other person a chance to correct you.
Be curious. Ask questions.
You just listened to the other person’s point of view. After you summarize what you’ve heard, ask the questions that popped up in your mind.
Ask open-ended questions rather than ones that require a yes or no.
Stay neutral in your tone and content.
Avoid judgment, opinion, and sarcasm.
Don’t call them names or curse at them.
Don’t be condescending.
Put yourself in the shoes of the other person. Try to understand why they see the world that way.
Assume the other person has good intentions. Make a point of saying that their intentions come from a good place.
Don’t think of the conversation as a win or lose. Leave your ego at the door and avoid putting down the other person’s beliefs as you discuss yours.
Use “I” statements to share your beliefs.
Avoid citing facts and trying to change the other person’s mind.
Personal stories are often more powerful than facts.
Find the places where you agree. For example, “I really think my friend should be able to have healthcare.” You don’t have to get into how that could happen.
Know when it’s time to call it quits. If the conversation can’t get beyond a certain point, that’s a good time to agree to disagree.
Thank them for their time and attention. Offer to revisit the topic in the future.
Make sure the conversation doesn’t take up the bulk of the party. Get back to the fun and make some memories.
Happy holidays from our family to yours.
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.
Your car could be trying to tell you something. Every screech, squeal, or grind could be its way of asking for new brakes.
First, a word about how brakes work…
Most vehicles today have disc brakes. When you press the brake pedal, the car pushes pressurized fluid through its brake lines. The fluid goes into a pair of calipers (clamps) lined with brake pads. They start to squeeze the rotors (metallic discs) from either side. The rotors are located behind each wheel and so the resulting friction slows the spinning, and eventually stops the car.
This constant squeezing and release causes wear and tear. Cars will need new brake pads every 25,000 to 65,000 miles, and new rotors between 30,000 and 70,000 miles. The actual mileage depends on your driving habits. Frequent braking, braking at high speeds, and driving a heavier car will take their toll on your brakes.
How to tell when you need new brakes
The good news is that your car gives you warning signs when brakes begin to wear out. If you notice any of the following, it’s time to get your brakes checked.
Squealing or screeching sound
Brake pads are built with a small piece of metal that becomes exposed as the pads wear down. The metal vibrates against the rotors, causing a high-pitched squeal or screech. That usually happens when the thickness of the pad is at the lowest possible level while still being considered safe to drive. So, if you hear the squeal, you will want to act soon. If you let it go too long, it will become a heavy grinding sound and it can start damaging other parts.
Pro Tip: Know that brake squeaks and squeals can happen if a car has been sitting for a while. That’s because the pads are covered with moisture, rust, and grime. Those noises go away after a few uses of the brakes.
Low brake fluid warning light
Your brakes use hydraulic fluid and cannot function without it. If you see a low brake fluid light, that means something is going on. There could be a leak in the system. Or it could be you’re your brake pads have worn down, causing the fluid to fill the space that’s lower in the reservoir.
Pro Tip: Look for a driveway puddle after your car has been parked for a bit. This type of fluid ranges from clear to yellow brown in color. You’ll find the leak near the wheels. It’s not safe to drive if you have a brake fluid leak. It may cause the brakes to fail.
Car pulls to one side while braking
If the car is pulling to one side or the other when you brake, you’re probably only getting brake power to that side. That’s an indication that you need new brakes or pads or that you have a jammed caliper. Either way, you’ll want to get it checked out.
Pulsating during braking
If your car vibrates, shakes, or pulses as you brake, it could be due to warped or unevenly worn rotors. It also could be caused by adhesive that gets hot and smeared across the rotor. Mechanics call this “glazing” and it can compromise brakes.
Rattling or clicking when you brake
Some vehicles hold brake pads with clips, bolts, or pins. If they become loose, they’ll begin to rattle. You may hear a clicking sound when you brake.
Poor brake performance
If your car takes longer to stop than usual, or if you are pressing the brake pedal down to the floor to get your car to stop, there is a problem. Causes include worn rotors, low brake fluid, and brake pads that are too thin. It could also be an issue with your car’s hydraulic system.
Grinding sound while braking
This is a sign that your brake pads are completely worn. The grinding sound you hear is “metal on metal” as the caliper and rotor scrape against each other. Because this can easily damage them and other parts, you’ll need to get this addressed right away.
Stay on top of maintenance
When one part of the braking system is damaged, it can affect other parts. Driving with worn brakes also can damage your tires. It can wear them down and cause them to be unbalanced. Your car is one of your greatest investments. Keep it well maintained and protect it 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.
