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16 Tips That Will Extend the Life of Your Car

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Tip 1: Check your tire pressure every so often. If your tires aren’t properly inflated, they’ll wear down quicker. All the sudden your 4-year winters are now 2-year winters. Double the price!

Tip 2: Check your tires every so often for uneven wear and tear. If one part of the tire is showing more wear, then it’s possible your wheel alignment is off. Get that checked out ASAP.

Tip 3: The only time you’d want to buy used tires is if you have a used car and aren’t planning to drive it for more than a year. Especially if you’re going to sell it. You won’t get anywhere close to full value back on new tires, so why bother?

Tip 4: If you’re not swapping your tires for seasonal ones, consider rotating them every six months or 8,000 miles. This allows the wear and tear to be distributed evenly. Which helps your tires last longer.

Tip 5: When rotating tires, or swapping for seasonal ones, ask your mechanic to lube your lug nuts. If left unlubricated for years, they can become almost impossible to unscrew. Then you’re in trouble if you need to swap a tire in the wild.

Tip 6: Some people recommend using toothpaste to clean your headlamps. Don’t do this. Some toothpastes have microparticles in them that can scratch or damage your headlights. Just use an approved cleaner. You’re not saving money if you damage the Car.

Tip 7: Cleaning the dust out of the inside of your car? Use a paint brush to get into all those hard-to-reach places. Great for cleaning vents.

Tip 8: Budget for new tires every few years. And don’t cheap out on them. By spending more you get a safer and smoother ride. (Never buy used tires.)

Tip 9: If you exit your vehicle and discover your parking job was subpar, then consider fixing it. The #1 reason cars get keyed is bad parking jobs.

Tip 10: Don’t leave your car outside if it’s going to hail. Hail does more damage every year to crops than anything else. It’s extremely destructive. If the pellets are large enough they can put a thousand little dents in your car.

Tip 11: Do a Google search for your car’s model/year + “safety features”. It’s good to familiarize yourself with all the various ways your car can protect you from having an accident. If you don’t know about a feature, you won’t be able to use it properly!

Tip 12: Watch some videos on your car’s make and model, even if it’s old. You’ll probably learn something new. Cars have so many features these days it’s hard to keep track of them all.

Tip 13: You don’t always have to keep your foot on either the gas or brake. Especially when going down a hill. Learning how to coast saves gas.

Tip 14: It’s sometimes cheaper to take a plane across the country and rent a car than it is to drive across the country. Depends how far you’re going. Calculate the distance/mileage cost.

Tip 15: Lay the off the gas when going down a hill or approaching a red light. Sure you could break, but you’re just adding wear and tear to the car for no reason. And spending more on gas.

Tip 16: If your wiper blades are making loud noises or leaving huge streaks on your windshield you need to get them replaced/fixed. This can happen even on newer cars.

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Tips and Advice

Auto Insurance & COVID-19

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Insurance information institute stated that insurance companies in the United States have issued 14 billion dollars in refunds and credits since COVID-19 started. Because of the pandemic, the cars caused a 10 % drop in auto insurance between June2019 and June2020.

Your Premium can Drop, But these 5 Tips Can Help :

 

Why The Refunds? 

As COVID-19 has changed traffic patterns across the United States, so the Institute of transportation Engineers maintain an archive about how these traffic patterns are changed. Moreover, all cities reported reduction in daily traffic, which fueled the auto insurance refunds. For example, in March San Francisco and Los Angeles country reported a reduction of 30 percent in vehicles traveled. Same was reported in Fort Collins, Colorado, where reduction was between 45 and 55 percent. Also traffic in Overland park, Kansas the percentage was from 50 to 60 percent below the normal. Meanwhile, Sioux Falls, South Dakota city’s largest state reported a decline in daily commuters.

Will COVID-19 Drop My Auto Insurance Rate? 

It feels like it would be a big yes. There are a lot of factors that determine your auto insurance premium, noting a rate drop during COVID-19 it may also merely come down to who your provider is. Slightly it also depends upon on the vantage point. Senior Consultant for insurance intelligence at J.D. PowerRobert Lajdziak said, With respect to COVID-19, rates didn’t go down, but consumers received refunds and dividends from the insurer,”Kristine Lee added “It really depends who you’re insuring with,”.

State Farm sent partial refunds to policyholders. State Farm announced in April, that they would issue dividends for premiums paid between March 20th and May 31st.Tammi Estes, Public Affairs Senior Specialist for State Farm said, “On average, customers will receive a credit of about 25 percent of the premium paid for that time frame,”

State Farm worked beyond premium refunds, and they too unveiled plans to reduce minimize the auto rates in every state. State Farm gathered a data, which prompted the announcement. The data shows a decline in miles driven with less accidents. Director of Strategic Communications for the Insurance Information Institute, Janet Ruiz said“Those premium reductions will average 11 percent, totaling $2.2 billion in savings for its customers,”.

 

What if COVID-19 Lasts Even Longer?

It is mandatory to familiarize the distinction and difference between a temporary credit for policyholders and an actual lower rate. There are little change regardless of how long pandemic continues, as it is concerned with individual auto insurance rates. Ruiz explained,If auto insurers continue to experience a sustained reduction in auto claim frequency, this could lead to additional premium decreases,.

The keyword will be sustained unless there is any decrease in accidents and claims. “The decrease in accidents and claims would have to be substantial, and it would have to be prolonged for years,” Lee said. “However, it’s still too early to say how rates will ultimately be affected after this is over.”

The problem over here is that despite of the fact that traffic in 2020 is decreased to a huge level but still our roads didn’t become safer. The National safety council estimated that in May 2020 road users in US were at a large risk of dying from fatal crash. The data also revealed that the fatality rate in May 2020 increased 23.5 percent as compared to May 2019. An overall the death rate per 100 million vehicles was 1.47 as compared to 209 which was 1.19.

How did this Happen?

One assumption about this issue could be the sense of security that drivers feel when there are fewer cars on the road. It creates a sense of security as driver feels more comfortable speeding, texting or engaging in other risky behaviors. So the drivers may acquire an autopilot like behavior that means drivers are likely to notice their speed or other road users. Hence, the risk of an accident increases as a result.

Another study in early 2020 from Agero shows that the daily traffic levels are rebounding. Agero is a roadside services company, that analyzed data of vehicle breakdown. After collecting the data it determined daily breakdown averages grow at a weekly rate and are four times faster than the same period in 2019.

According to the National Safety Council, Before COVID-19, motor vehicle deaths have held around 40,000 since 2016. After a hard look at the data, it seemed unlikely that  COVID-19 will cause auto insurance rates to drop. It does not matter if our roads are less traveled during quarantine or are packed during a rush hour but still the data shows that we, as a society are dangerous behind the wheel. If we want to drop our auto insurance rates, we need to reduce the number of accidents on our roadways.

5 Ways to Decrease Your Auto Insurance Premium During COVID-19

There are some strategies to adopt that help you to lower your auto insurance premiums. Following are some age-old things that can result as helpful insights.

1: Examine Your Driving Habits

If you are driving lesser than usual, that can impact your premium. As Lajdziak says, “if you are still working from home, it’s worth looking at how your vehicle usage has declined. Consumers should pay close attention to their driving habits, if that has significantly changed, and if they expect that change to remain for the long-term,” he said. “That may mean significantly less miles than before, which could lead to lower rates if the consumer was previously a high-mileage driver. In that case, contacting your insurer and adjusting the miles you typically drive can have an impact on premiums.”

Drivers can contact their auto insurance provider to ask about the usage based plans. These plans operate driving habits and vehicle usage by telematics devices. Some of the examples of such programs include Alistate Drivewise, National SmartRide and Progressive Snapshot.

Lajdziak said “Available through most carriers, usage-based plans can offer somewhat real-time relief to those driving less or driving safer,” adding , “Interest in such programs has increased as a result of COVID-19, given consumers still expect to be driving less in the future, whether to remain working at home or simply because they want to spend less time in public.”

2: Ask About Discounts

Commonly, the discounts include safe driver, good student, military service, customer loyalty and there are a number of safety features on vehicle. You can contact your provider and ask him aboutdiscounts. Let them know with your clean driving record, a long history with the company and are regularly acting you exams.

Moreover, Lajdziak explained, “Consumers can and should re-examine what discounts they may be eligible for now that they were not when they originally purchased their policy,” and  “Every insurer offers discounts, but they are often only presented to consumers when they purchase the policy.”

3: You are determinedby What You Drive

Your insurance rate is determined by what you drive. If you are shopping vehicle and you want to lower your insurance rate, researching and making models that have a good track record in this area are worth it. “When it comes to what you drive, nothing has changed very much, even with COVID-19,” Lee said. “If you want to drive a sports car, you’re still going to pay a lot to insure it.”

4: Be Sober & Stay Alert

In addition to this, your driving history also plays an important role in auto insurance premiums. If you are genuinely reckless driver, you will be asked for SR-22 documentation, even if you don’t own a car. According to the Michigan State Police and the California Highway Patrol, three main things put motorists at risk: speed, distraction, and impairment. The prescribed drufs are also problematic although we don’t realize it. When the labels forbid to use heavy machinery, we consider factory and construction equipments but we shall view the definition in a broader sense and should include our automobiles.

5: Don’t Cancel Your Coverage

Driving less is not a justification for cancelling your auto insurance. If you get into an accident or such an issue you find yourself in great trouble. Lee suggests that the best way is to call your provider at the moment and to be honest with them if you have trouble having paying your payments.

Estes said, “You can also look at dropping coverages you maybe don’t need at the moment,” she added. “You will save a lot of money by dropping to liability only, for example. We recognize that this can be a tough time for many people across the country,” Estes added. “Agents are a great resource for customers and can you help review things like coverages and deductibles, and that you’re receiving discounts that may apply to you. Many agent offices are still running virtually and can assist customers via phone or email.”

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Tips and Advice

Episode 9: Driving and Safety Tips

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In caarz.net we have started this series called Golden advices and tips for car and truck drivers, in this episode 9 we present a 16 of driving and safety Tips, hop that help you

Tip 1: Your four-way flashers are not a “stop anywhere” button. If there’s a sign that says “no stopping” try to respect that. Jamming up the lanes is rude and could lead to a ticket.

Tip 2: You’re more likely to get a ticket parking downtown than anywhere. These is because the enforcement agents make more money for the city by ticketing these areas. So make sure to pay for parking.

Tip 3: It’s dangerous to slow down when changing lanes. Cars behind you in both lanes will also have to slow down. Speeding up a bit to pass can be safer if there’s no-one in front of you.

Tip 4: Pay attention to the speed limits on off-ramps. While it’s true you can probably handle them going a bit faster, they’re designed around bad weather and tight turns. If it’s raining or snowing, drive slower!

Tip 5: If you’re renting a car, make sure to unlink your phone before turning the car back in. Otherwise other people might have access to your text messages/emails.

Tip 6: Using your phone while driving is not okay. If you see a friend doing this, remind them that it’s illegal, and also the reason why YOUR insurance is so high. Pull over if you must use it.

Tip 7: Even if you have a camera on your side mirror, it’s always a good idea to check over your shoulder. If you get out of practice, you might not do it in someone else’s car.

Tip 8: If someone is tailgating you, it’s safer to let them pass, or change lanes so they can pass you. Don’t get upset, or intentionally slow down. Karma will catch up to them eventually.

Tip 9: Keep an eye out for cars that are behaving strangely. Swerving, driving too slow/fast, etc. They might be on their phone, or even under the influence. Give them lots of room. They might cause an accident.

Tip 10: Keeping your distance from the cars in front of you is so important it’s worth mentioning twice. Auto insurers estimate that around half of all accidents could be prevented if people kept safer distances between cars.

Tip 11: If you assume that most other drivers are incompetent, phone-using, drunks, you’ll be a lot safer. Just give everyone a wide berth. Don’t assume they know what they’re doing. They could be tired, angry, hungry, etc.

Tip 12: If you’re driving a large truck/SUV and stop at a stop sign, don’t pull all the way up. If a car stops beside you and wants to turn in the opposite direction, they won’t be able to see past you.

Tip 13: Find yourself speeding a lot? It’s probably because you’re running late. Try to leave a bit earlier. There’s no need to be running reds and getting tickets. Set the alarm 5 minutes earlier.

Tip 14: Pay attention to the alcohol % in your beer. Some craft beers are 9%. That’s not “just one beer”. That’s two.

Tip 15: Remember that scene in Parasite where the dad was driving the boss around and the boss had a coffee mug in his hand? That’s how smooth your driving should be. Don’t spill coffee.

Tip 16: Side mirrors can get knocked out of alignment by wind, pedestrians, or when you accidently hit the button. So make sure to check them every so often even if you’re the only driver.

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Tips and Advice

HOW TO CHANGE A FLAT TIRE ?

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Step 1

First make sure you find a safe spot off of the road that doesn’t put you at risk

 

Step 2

Put your hazard lights on, and make sure the parking brake is activated

 

Step 3

Apply the wheel wedges, remove the hubcap, and loosen the lug nut

 

Step 4

Place the jack under the car and raise the vehicle

 

Step 5

At this point, you’ll need to unscrew the lug nuts so you can remove the flat tire

 

Step 6

From here, mount the spare tire and tighten the lug nuts

Step 7

Lower the vehicle partially and re-tighten the lug nuts before lowering the vehicle

 

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