by California Casualty | Auto Insurance Info, Safety |
While there may be fewer people on the road these days, there is an increase in reckless and dangerous driving, resulting in more accidents — and sadly, fatalities.
Even for the best driver, intersections are some of the most dangerous places on the road. It’s really no surprise, though, given all the commotion concentrated in a small space: vehicles crossing each other’s paths, signals, signs, honking, merging lanes, pedestrians and bicyclists. Add in the all-too-common confusion many drivers experience around right-of-way, and you have a recipe for a fender bender or worse.
By brushing up on the traffic rules for intersections, you can feel more confident in safely maneuvering them. Here are some simple right-of-way reminders, listed by intersection type.
A Four-Way Stop
This is the most common type of intersection, where two roadways cross each other.
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- Yield to drivers who’ve arrived before you. The first car to arrive always receives the right of way.
- If you arrive at the same time as another driver, the one who’s farthest to the right gets the right of way.
- If three vehicles arrive at the same time, the rule of “right-most has the right of way” still holds, and the car farthest left goes last.
Intersection Without a STOP or YIELD Sign
Known as an “uncontrolled” intersection due to lack of signs or signals, these often trip people up.
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- Yield to drivers already in the intersection or those who’ve arrived before you.
- If you arrive at the same time as another, the right-most vehicle has the right of way.
A T-junction (Three-Way Intersection)
This is where a minor road dead-ends into a major roadway.
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- Vehicles on the major road (the through road) always have the right of way.
- If you’re entering from the minor roadway, you must come to a complete stop and yield to drivers on the through road, no matter which way you’ll be turning.
A Traffic Circle
Also called a roundabout, this is an intersection of four or more roadways that converge into a single road that flows in one direction around a center island.
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- When approaching the circle, always slow and yield to the vehicles in the traffic circle.
- Merge by turning right so that you’re driving around the circle in a counterclockwise direction.
- Turn right to exit the circle when you reach your roadway.
- Do not stop in the roundabout – a steady flow and speed is critical to safety.
U-Turns or Left Turns Onto Two-way Roads
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- You’re basically last in line: Don’t turn until you yield to oncoming cars, motorcyclists, bicyclists, and pedestrians.
- Keep in mind that both of these turns carry extra risk, so remember safety first, always.
Besides employing the rules above, remember to always slow down and pay attention when approaching intersections. This is a winning combo for smoothly navigating any intersection and getting to where you’re going safely.
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 | Educators |
As a teacher, you know throughout the day the hunger cravings can pop up and sometimes the most convenient option is to pop into the teacher’s lounge for a vending machine snack. We have the tips to help educators keep energy and eat healthy throughout the day.
- Drink plenty of water. According to the CDC, staying hydrated can improve cognitive function. Keep a reusable water bottle around to refill throughout the day. Add a lemon or lime wedge for extra flavor!
- Skip the carbs. These may give you a short burst of energy, but are not a good food source for prolonged energy.
- Eat breakfast. Eating a nutrient-rich breakfast will keep your energy level steady until lunch. No time to eat breakfast at home? Try these Grab-and-Go Breakfast Ideas from WeAreTeachers.com
- Avoid coffee. Coffee can cause dehydration. It can also trigger blood sugar issues, leading to that afternoon decline in energy. Try drinking less coffee or trying herbal tea instead.
- Be aware of serving size. Sometimes we consume far more than one serving size. Check nutrition information before eating.
- Control portions. Pack your food the night before using the serving size as your guide; use measuring tools if needed. This way, you are limited to only the amount of food you brought with you. You can accurately keep track of how much you have eaten.
- Eat snacks. Protein-heavy snacks are a good source of lasting energy. Try nuts, cheese, or beef jerky to satisfy your snack cravings. Check out this list of Healthy Snack Ideas from FannetasticFood.com
- Prepare your food the night before. Take the time the night before to pack your lunch and snacks so you don’t make poor, last-minute food decisions during the morning rush to get out of the house. 50 Healthy Lunch Ideas from ReallyGoodStuff.com asked teachers to share their favorite healthy lunches.
- Eat that birthday treat! Elementary teachers know this battle all too well. Treats seem to appear on your desk out of nowhere! They’re hard to resist, but sometimes we just need to indulge ourselves after a long day. Try not to make it a regular habit, but you don’t have to avoid treats every time. You can also take home the treats you don’t eat or can’t finish (sometimes I share them with my family if I’m feeling generous).
- Be an active participant in student Brain Breaks. A recommendation by the CDC says “physical activity breaks in the classroom to help keep students focused and well-behaved.” That means teachers, too. My favorite FREE brain breaks are from GoNoodle.com. Don’t do brain breaks in the classroom? Take a quick walk around the building during plan time.
by California Casualty | Auto Insurance Info, Travel |
Spring break is right around the corner, and for many travelers, renting a car is part of the adventure. Whether you’re heading to the beach, exploring a national park, or visiting family, a rental car provides the freedom to go wherever your journey takes you. But with rental costs fluctuating and unexpected fees lurking, how can you save money while still enjoying a stress-free ride? Read on to learn more.
1. Book early to lock in the best rates.
Rental car prices can skyrocket as demand increases, especially during peak travel seasons. The earlier you book, the better your chances of securing a lower rate. Many rental companies allow free cancellations, so you can reserve now and rebook if prices drop.
Pro Tip: Once you reserve your car, set a weekly calendar reminder to check if the rate has dropped. Then, as long as there are no fees, you can cancel and rebook.
2. Compare prices across multiple platforms.
Don’t settle for the first price you see. Use comparison websites like Expedia, Kayak, or Priceline to check rates across different rental companies. Also, visit rental agency websites directly—sometimes they offer exclusive discounts not available on third-party platforms.
3. Shop coupons and specials.
Many rental companies offer online coupons. Try sites like AutoSlash to do a search for those discounts. Also, if you bundle car, hotel and airfare, you can get additional savings. If you’re driving long distances, check out the weekly rate, which often averages out to be cheaper per day. See if there is a cost to returning the car early. Ask if there is a discount if you prepay. Just keep in mind that paying in advance could mean it’s nonrefundable.
Pro Tip: Follow social media accounts for car rental companies or sign up for their newsletters to get a heads up on specials.
4. Leverage membership discounts.
Are you a member of AAA, AARP, or a teacher’s union? Maybe you belong to a warehouse club or are a frequent flyer. These organizations negotiate for better rates on rental cars and provide discounts to their members. Additionally, some credit cards offer rental car benefits, including discounts and insurance coverage, which can help you save even more.
5. Avoid airport pickups.
Picking up your rental car at the airport might be convenient, but it often comes with higher fees. Airports have high demand for vehicles, which can drive up rates. Consider renting from a location a short distance away—many off-airport locations offer lower rates, and the savings could outweigh the cost of a quick rideshare or shuttle ride. Make sure to check that there is accessible transportation there before you book. Also find out if you can return the car to the airport without additional fees.
6. Choose economy cars and fuel-efficient models.
Opting for a smaller, fuel-efficient car not only saves you money on the rental itself but also helps reduce gas costs. Unless you absolutely need an SUV or a luxury model, stick with an economy or compact vehicle to maximize savings. Plus, since economy cars are typically the cheapest and the most likely to be booked, there’s a chance they may not be on the lot, and you’ll be upgraded.
7. Stick to one driver.
Rental car companies usually charge a fee to add a second driver. Some companies waive that fee if you are married or have a domestic partnership. You do need to show driver’s licenses with the same home address. Others will waive the fee for a spouse if you join their membership program. Sometimes, your membership in organizations such as AAA or Costco can get you a free additional driver too.
8. Be smart about insurance.
Rental companies often push expensive insurance coverage at the counter, but you may not need it. Check if your personal auto insurance or credit card offers rental coverage—many policies do. Just be sure to confirm the details in advance to avoid unnecessary charges. This also goes for rental car insurance, which can be an add-on to your travel insurance policy.
9. Skip the extras.
Rental companies love to upsell add-ons like GPS navigation, satellite radio, and roadside assistance. Most of these extras are unnecessary—use your smartphone for navigation, stream music via Bluetooth, and check if your existing auto insurance or credit card includes roadside assistance. If you’re traveling with a small child and need a car seat, bring your own or borrow one from a friend at your destination. That can save you as much as $10 per day.
10. Understand the fuel policy.
The “prepay for fuel” option might sound convenient, but it often leads to overpaying for gas. Instead, opt for the “return with a full tank” policy and fill up at a nearby gas station before dropping off the car. Just be sure to keep your receipt in case there’s a dispute.
11. Watch out for hidden fees.
Read the fine print carefully. Some companies charge extra fees for additional drivers, young drivers, early returns, or late drop-offs. Understanding these fees upfront can help you avoid unexpected costs.
12. Consider alternative car rentals.
Traditional rental companies aren’t the only option. Services like Turo and Getaround let you rent cars from private owners, often at lower rates than corporate agencies. There are also car sharing clubs which require a monthly fee. Just be sure to check the terms, insurance coverage, and reviews before booking.
Remember, whether you’re renting for a weekend getaway or a weeklong road trip, having the right insurance coverage is essential. Before you hit the road, check with your insurance provider to ensure you’re fully protected. Safe travels from all of us here 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.
by California Casualty | Auto Insurance Info |
Is your lease nearing its end, and you’re wondering whether to say goodbye or keep the keys? Buying out your leased vehicle can be a smart financial move—or a costly mistake—depending on your situation. With used car prices fluctuating and interest rates shifting, now is the time to weigh your options carefully. Should you purchase your leased car or walk away? Let’s break down the pros and cons to help you decide if this is the right road to take.
Why Consider Buying Out Your Lease?
Leasing a car allows you to make lower initial payments while giving you time to test the vehicle before committing to ownership. Many people lease because it offers flexibility, but when the lease ends, you must make the decision to buy or return the car. That depends on several factors.
Understanding the Buyout Amount
Most leases include a buyout option, meaning you can purchase the vehicle at a predetermined price set by the leasing company. This price, known as the residual value, is estimated at the start of the lease. If you choose to buy, you’ll need to pay the buyout amount, plus taxes, fees, and any remaining lease payments.
If you don’t have the cash to buy the car outright, you can finance the buyout. Keep in mind that financing comes with interest. Check out the current interest rate before committing to financing a buyout. Know that if you buy out your lease early, it may also come with additional fees. Importantly, going from a lease to financing a buyout could increase your monthly payments.
Evaluating Your Car’s Value
Before deciding, compare the buyout price with the car’s market value. Websites like Kelley Blue Book and Edmunds can provide an estimate, or you can visit another dealership to get an appraisal for your vehicle. If the buyout price is lower than the car’s market value, purchasing it may be a good deal. If it’s higher, walking away might be the better choice. If it’s close, it still may make sense to buy.
Considering Mileage and Condition
Most leases have mileage limits, typically 12,000 to 15,000 miles per year. If you’ve exceeded your limit, you’ll owe an overage fee—usually between 10 and 25 cents per mile. In this case, buying out your lease might save you money. While unused miles aren’t refunded, your car will likely be valued higher at a lower mileage.
Leasing companies expect the car to be returned in good condition. Any damage—such as dents, scratches, or cracked mirrors—could result in excess wear-and-tear fees. If you’re considering a buyout, repairing minor issues yourself can save you money. Also, remember that once you own the car, future maintenance and repairs will be your responsibility. A pre-purchase mechanical inspection is a good idea so there are no surprises down the road.
Your Personal Situation
Buying out your lease might make sense if:
- You like the car and know its history.
- You want to avoid the hassle of car shopping.
- You prefer to keep a car that won’t immediately depreciate like a new vehicle.
- Your transportation needs remain the same.
Turning in your car might make sense if:
- You did not go over the mileage for your lease and the car is in good condition.
- You prefer to lease another car.
- Your transportation needs have changed.
- You would like to purchase a new car or a used one.
If you’re trading in your leased car, dealerships may charge cleaning and prep fees. Buying it avoids these costs.
Can You Negotiate the Buyout Price?
It depends on your lease agreement. If the lease was written by the automaker’s finance division, the buyout price is usually non-negotiable. However, if a third-party bank holds the lease, they may be open to negotiation. Even if the buyout price is firm, you might be able to negotiate the fees.
Plan Ahead
Don’t wait until the last minute to decide. Start evaluating your options at least 90 days before your lease ends. This gives you time to:
- Assess the car’s value.
- Review your credit before applying for a loan.
- Secure financing if needed.
- Negotiate fees or buyout terms.
You can buy out your lease through the dealership or arrange independent financing through a bank or credit union. If financing on your own, you’ll need to send payment to the leasing company and visit the DMV to handle taxes and title transfer.
Insurance Considerations
Switching from a lease to ownership may impact your insurance rates. Review your policy and contact your insurance company to explore potential savings and coverage changes.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
by California Casualty | Helpful Tips, Pets |
Are you ready to unleash some serious tail-wagging fun and purr-fect joy? Whether you’ve got a barking buddy, a whisker-twitching sidekick, or a feathered friend, it’s time to shower your pet with extra attention. After all, Love Your Pet Day is Tues., Feb. 20, and who loves us more than our pets?
Give them treats and toys.
- Store-bought treats are great, but making your pet a treat is extra special. It’s also easier than you may think. Check out our blog on easy pet treat recipes for dogs, cats, rabbits, birds, and reptiles.
- Most cats love to eat grass and need it for their digestion. You can grow your own cat grass right inside your home. Not to be confused with catnip, cat grass is a mixture of rye, barley, oat, or wheat seeds. It’s a healthy option for cats, and may keep them away from your plants.
- Take your pet to a pet store and let him/her choose a special toy or treat. Consider Kong-style toys that you can fill with peanut butter for dogs or treat dispensing toys for all types of pets. While you may not take your bird to a pet store, try wrapping their gift. Birds can have as much fun unwrapping as they do with the treat or toy.
Spend some quality time.
- Playtime is a great way to bond with your pet. So, grab that squeaky toy, dangle that feather wand, and get ready for some tail-chasing, treat-tossing, cuddle-filled bliss! Dance with your bird to their favorite music. Give your rabbit, bird or reptile some out-of-habitat time to safely explore under your supervision.
- Challenge your pet with a puzzle. Hide treats in an empty egg carton. Cats love to hunt, so consider hiding feeders around the house for them to find. You can make your own puzzles for dogs, cats, and birds, or find ones online from a reputable pet supplier.
- Schedule some cuddle time. Playtime can be exhausting so follow it with a nap on the couch or some quiet time. Follow your pet’s cue on the cuddle, though. Some pets like hugs and kisses; others do not.
Learn your pet’s language.
- Your pet “talks” to you in their language. Wouldn’t it be fun to know what they’re saying? Check out Canine Body Language: A Photographic Guide by Brenda Aloff for dogs or Think Like a Cat by Pam Johnson-Bennett.
- Pay attention to your pet’s nonverbal cues. Try to understand what your pet enjoys and what he or she wants.
- Songbirds and parrots are able to mimic human speech. They need to be taught with lots of repetition. Dogs and cats have been known to press buttons that “speak” human words. Whether or not your pet communicates at these levels, you can enjoy the learning process.
Take a class, meet a friend.
- Consider training classes for mental and physical enrichment for your pet. For dogs, there are classes on social skills, tricks, nose work, and agility. You can help your pet to earn their Canine Good Citizen or Therapy Dog certification. Look up tutorials online for tricks and activities that you can do with your type of pet.
- Join a local pet enthusiast group. Not only will you make friends with others who love pets, you might enjoy local meetups at pet-friendly places from outdoor dining to parks, and more.
Get some exercise.
- We and our pets both benefit from regular exercise. Get your dog walking, running, playing fetch, tug of war, learning agility, and more can help keep them physically fit. As a bonus, you’ll get exercise too.
- Yoga is an exercise that you can do at home with your pet. Dog Yoga is increasingly popular. Incorporating your pet into your yoga routine will make them feel important and you might be more likely to exercise. Even if it’s a complete fail, you’re likely to enjoy laughter and cuddles.
Feed them healthy food.
- Just like humans, pets require a balanced diet to stay healthy. A diet rich in essential nutrients helps support their immune system, promotes healthy growth and development, and provides the energy they need for their daily activities.
- A nutritious diet can prevent various health issues such as obesity, diabetes, and heart disease, extending your pet’s lifespan and enhancing their quality of life. By prioritizing their nutrition, you’re investing in your pet’s long-term health and happiness, ensuring they lead a vibrant and fulfilling life by your side.
Get them groomed.
- Regular grooming doesn’t just help your pet look their best; it helps to remove dirt, debris, and loose fur from their coat. This prevents matting and reduces the risk of skin irritations. Brushing your pet’s fur also promotes healthy circulation and distributes natural oils, keeping their coat shiny and healthy. Plus, it’s a nice time to bond with your pet.
- Additionally, grooming sessions provide an opportunity to check for any abnormalities such as lumps, bumps, or parasites, allowing for early detection of potential health issues.
Visit the vet.
- Just as humans need regular check-ups with a doctor, pets require routine veterinary visits to monitor their overall health, detect any potential issues early, and ensure they receive appropriate vaccinations and preventive care.
- Pet insurance can help offset some of the larger costs of pet care. For a nominal monthly fee, you can have access to coverage that will help if your pet needs surgery or has health issues. Shop around for a pet insurance policy that fits your needs. Before you purchase, make sure you understand the deductible, the coverage limits, and the exclusions. Some policies do not cover pre-existing conditions or wellness care.
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.
