Resources & Tips (Old)
Resources and Helpful Tips Here you will find a variety of resources and helpful tips in the form of checklists, infographics and more. Whether you are looking to understand the meaning of an auto insurance term, creating or updating your home inventory, or looking...How to Make Your Car Last Longer
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.
Check out our blog on Pro Tips to Keeping Your New Car Ageless for more tips.
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.
Thanking Those Who Keep Us Safe
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.
Cleaning and Replacing Vehicle Headlights
The nights are getting longer. That means your headlights are more important than ever. Keeping them clean and in good working order will help you stay safe. Follow this guide to keep your headlights shining bright and sparkling like new.
Why are clean headlights important?
You might think that foggy headlights don’t make that much of a difference. In reality, their light can be dangerously dim. Foggy headlights emit only about 20% of the light that new headlights do, according to AAA. Not only is that a problem at night, but cloudy headlights can limit your visibility in rain and fog, too. It is just as important to replace your headlights as it is to replace your windshield wipers.
What causes headlights to wear out?
Most headlights today are made of thick plastic. While these lenses are more scratch-resistant than glass and can last a long time, their surfaces do wear out. The sun’s UV rays cause the lenses to oxidize, which creates microscopic cracks and yellowing. That impacts the quality of light they can emit. A car wash won’t be able to clean this type of damage.
Pro Tip: You can help limit your headlights’ exposure to UV rays and slow the yellowing process. Park in a cool, dry place that is away from direct sunlight. Consider a protective cover for your vehicle. Park your car inside whenever possible.
Every vehicle is different, and some methods work better than others.
There are a variety of ways to clean your car’s headlights. You can do many of them with supplies you already have around the house. Depending on your vehicle, you will find that some methods work better than others so feel free to experiment.
How to Clean Your Headlights
Start with a clean surface. Headlights pick up dirt, grime, and dust. Before you dive into the deep cleaning, you want to remove that debris. Here are several ways to do so. (You just need to choose one method for the initial clean; you won’t want to do them all.) Remember to wear latex gloves to protect your skin.
- Soap and water: Use car wash soap that is made for plastic headlight lenses. Mix one part of the soap with two parts of water. Put the mixture in a spray bottle. Spray it directly onto your headlights and then wipe it off with a microfiber cloth.
- Use a specialized cleaner such as bug-and-tar remover. Spray it on your headlights. Let it sit for a few minutes, and then wipe it off with a sponge or microfiber cloth.
- Try rubbing alcohol. Dip a soft cloth into the alcohol and then gently scrub the headlights. Rinse with water.
Protect your vehicle’s paint. It’s a good idea to cover the painted finish around each headlight so that you don’t damage your car’s paint. Use a tape without a strong adhesive. Painter’s tape works well.
Method #1: Using a Restoration Kit
You can buy headlight restoration kits at your local auto shop. These kits come with sandpaper that help you to gently remove the microscopic cracks.
- Start with the roughest piece of sandpaper in the kit.
- In between sanding, keep headlights wet using water in a spray bottle.
- Repeat with the next coarsest sandpaper and continue to the finest one.
- Clean your headlights with soap and water. Use car soap made for headlights.
- Seal with a clear coat if the kit includes one.
Method #2: Vinegar and Baking Soda (or Toothpaste)
Common household supplies like vinegar and baking soda are effective cleaners. Alternatively, you can use toothpaste with baking soda. Just make sure the toothpaste does not have flavor crystals which can scratch the surface. Here’s how to use them to clean your headlights.
- Mix up a paste of baking soda and vinegar. Use two-parts distilled white vinegar to one-part baking soda. (You also can use toothpaste without the vinegar instead.)
- Apply the mixture using a microfiber cloth. Rub it on each headlight. Then let it dry.
- Wipe it off with a clean microfiber cloth.
- Rinse with water.
Method #3: Window Cleaner or WD-40
Chemical agents like glass cleaner and WD-40 also can do the job.
- For window cleaner, spray a generous amount onto your headlights. Let it soak in. Then, use a microfiber cloth to wipe it down.
- For WD-40, apply it with a clean, soft cloth. Rub it firmly in a circular manner. Rinse with car soap and water when you are done.
- Apply a car polish using a clean cloth to help protect the surface.
Method #4: A Quick and Temporary Fix
You can help fill in the microscopic cracks and scratches with petroleum jelly or olive oil.
- Put a coin-sized amount petroleum jelly or olive oil on a microfiber cloth.
- Rub it into your headlights.
- Do not rinse. The thin layer will coat your headlights but will disappear the next time it rains.
If you cleaned your headlights and it didn’t help:
- Check their alignment. Consult your owner’s manual on how to adjust your headlights or bring them to a professional.
- Check the inside if the headlight. Dissemble your headlight and use car soap and water or glass cleaner to clean the inside. Make sure to completely rinse and wipe away any liquid. Any residue can be heated by the powerful bulbs.
How to Change Your Headlights
Most new cars have LED headlights which can last the lifetime of the vehicle. However, if you have an older car, you will need to change your headlight bulbs. There are different headlight setups, with the most common being the twist and lock and the spring clip. Check your owner’s manual to see which one you have. Remember to replace bulbs in pairs. If one bulb went out, chances are the other is likely to go out soon.
Directions
- Make sure your car is turned off. Open the hood.
- Disconnect the negative ground cable from the battery.
- Look for the headlight connection. Disconnect the wires from the headlight bulb.
- For at Twist and Lock:
- To pull the bulb out, you will need to push the tab and twist the headlight counterclockwise.
- To install the new bulb, you will need to put it in and twist it clockwise until it locks.
- For a Spring Clip:
- Press the spring to release the bulb. Then pull it out.
- Put the new bulb in and lock it in place.
- Reconnect the wires to the headlight.
- Reconnect the negative ground cable to the battery.
- Close the hood.
Halogen Bulbs
Note that classic cars may use a sealed-beam halogen bulb. You can’t replace these bulbs. You must replace the entire headlight housing.
- Make sure your car is turned off. Open the hood.
- Disconnect the negative ground cable from the battery.
- Find the headlight housing and unplug the wires for the blinker and headlight.
- Disconnect any electrical connections from the back of the housing.
- You will need a screwdriver to loosen the bracket on the housing and remove it.
- Replace it with the new housing.
- Reconnect the housing to the headlights and blinker.
- Reconnect the negative ground cable to the battery and close the hood.
Your car is one of your greatest investments. Keep your car well maintained and protect it with the right insurance. 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.