Category Archives: Auto Insurance

Bad habits. We all have them. And sometimes, they can be hard to shake. This is especially true when it comes to driving. Depending on how many years you’ve spent behind the wheel, certain habits may be deeply ingrained by now. And many of them can be bad for your car.

DRIVING ON EMPTY

Whether you’re running late and forget to fill up, or you’re just not paying attention to your fuel gauge, finding yourself low on gas can happen from time to time. But running out of gas is more than just inconvenient; it can also be hard on your car.

Why? Because critical components, like your vehicle’s fuel pump, aren’t designed to operate without gas. The fuel pump is submerged in the gas tank, where it uses fuel to cool and lubricate the mechanisms in the pump. Most fuel pumps can last for the life of your vehicle.

But when you run your car on empty, the pump can overheat, which could lead to a costly failure. And because the gas tank typically needs to be drained and removed to replace the pump, this labor-intensive job could cost upward of $1,000 to repair.

DRIVING THROUGH DEEP WATER

If you approach any kind of flooding, including large puddles of groundwater, you may be tempted to drive right through. But your best—and safest—course of action is always to turn around and find another route. What may not seem like a lot of water can in fact be quite dangerous when you’re behind the wheel.

For starters, it can be hard to gauge how deep the water is, and you can’t see what debris or other hazards may be below the water.

On top of that, driving through deep water can damage or destroy your vehicle’s engine, transmission and other critical components. It can also cause irreversible damage to your car’s complex electrical system. Because of this long-lasting damage, a flooded vehicle is often considered a total loss by insurance providers.

DELAYING MAINTENANCE

Every vehicle manufacturer recommends following a routine maintenance schedule to keep your car running in tip-top shape. In the short term, it may seem like there’s no harm in skipping an oil change, air filter replacement or tire rotation. But the truth is, taking care of these preventative maintenance tasks now can save you from needing major repairs later.

IGNORING WARNING LIGHTS

Modern cars feature a host of warning lights, and each is there to notify you of a particular problem with your vehicle. Ignoring these warning lights could leave you with a major repair down the road. Depending on the problem, it could even jeopardize the safety of you and your passengers.

So don’t make a habit of ignoring your vehicle’s warning lights. The next time that “check engine” light starts flashing, consult your car’s manual and if need be, take your car to a qualified mechanic to get it checked out.

NOT CHECKING YOUR TIRE PRESSURE

One of the easiest car maintenance tasks to ignore is checking your tire pressure. After all, if your tire isn’t flat, what’s the big deal? But not running your tires at the manufacturer’s recommended air pressure can cause a host of problems ranging from premature or uneven tire wear to bad handling and poor fuel economy.

For that reason, experts recommend that you make a habit of checking your tire pressure once a month. And remember that when it’s cold, your tire pressure will drop between one and two pounds per square inch (PSI) for every ten-degree decrease in temperature. So pay extra attention to your tires as the seasons change.

RIDING THE BRAKES

Your car’s brakes represent one of its most important safety systems. But hitting the brake pedal too hard, or using the brakes too often, can leave this system severely compromised.

For example, applying the brakes for a prolonged period of time (like when slowing your car down a long hill) can cause them to overheat. And when your brakes get too hot, their stopping power is greatly reduced.

Overuse of your brakes can have long-term consequences, too. More braking means you’ll wear through pads and rotors faster, which translates to more frequent service intervals. You can also expect to pay more at the pump, thanks to lower fuel economy caused by frequent braking.

To “break” this bad habit, try to leave some extra space between you and other cars on the roadway. And if you’re descending a long hill, try shifting your car out of overdrive and into a lower gear; this will allow the engine to do some of the braking for you.

DRIVING TOO FAST OVER SPEED BUMPS

Speed bumps are installed to help slow down traffic, making areas safer for pedestrians. If you drive over a speed bump at a slow speed, your car will be unharmed. But hit a speed bump faster than about 10 miles per hour, and you can do serious damage to your car.

The sudden impact of a speed bump could cause your suspension to bottom out, damaging your shocks and struts. It could also bend other important suspension components or knock your car out of alignment. So take it slow!

LETTING YOUR CAR SIT FOR LONG PERIODS

Parking your car for extended periods of time can take its toll on your vehicle. The time it takes for your vehicle to be damaged by long-term storage will vary based on several factors, including the location of your parked car and how well you’ve prepared it.

However, the negative effects of time on an undriven vehicle can be observed sooner than you may think.

When your car is left undriven, the fuel and battery can go bad. Tires and rubber belts can crack. Rust can begin to form. And rodents could even make your car their new home.

If you have a college student away, for example, consider using a battery maintainer while the car sits. Since maintainers are used for maintenance during periods when cars aren’t going to be used, time isn’t of the essence when charging. This means that a maintainer can give a battery a “low and slow” charge, which is better for its health than a faster charge or a jump.

HITTING POTHOLES

If you live in an area that sees cold winters, the constant freeze-thaw cycles can make potholes a common sight on the roadways. When driving, you should do your best to avoid hitting them at all costs.

Potholes can cause damage to your vehicle ranging from flat tires or bent wheels to much pricier damage to your suspension, steering system or exhaust system. Next time you encounter a pothole, try to swerve around it. If swerving isn’t possible, reduce your speed to lessen the impact—and any potential damage.

NOT REGULARLY WASHING YOUR CAR

Everybody can appreciate how good a freshly washed car looks. But the benefits of a clean vehicle extend far beyond the visual appeal. If you go long periods of time without washing your car, all that dirt and grime will embed itself in the painted surfaces and will eventually eat away at the clear coat, causing permanent damage.

The consequences are even greater if you live in an area that uses road salt to melt the ice and snow. That’s because salt creates chemical reactions that can corrode the components on your car. This is especially true for any exposed metal, like brake lines and fuel lines.

If you’re looking for ways to tighten your monthly budget, there’s an unexpected place you can look: Your garage.

No, we’re not telling you to sell your car (although that’s certainly an option). Rather, it’s time to take a closer look at the way you drive and take care of your vehicle. As gas prices climb, both of these habits can make a bigger impact on your wallet than you think.

And if you’re looking for affordable car insurance, we can help with that, too.

WHAT IS GAS MILEAGE?

Gas mileage (also known as miles per gallon or MPG) is measured by calculating the number of miles that a vehicle can travel using a single gallon of fuel. Fuel economy is another term that’s commonly used. It’s often referred to in relation to improving fuel efficiency — which means using less gas when you drive.

HOW CAN I FIGURE OUT MY VEHICLE’S MPG?

Since 1977, auto manufacturers have been required to publish some form of miles per gallon metric on new car labels. For modern vehicles, this includes ratings for city, highway and combined MPG values.

In general, vehicles tout better gas mileage during highway driving rather than city (i.e. stop and start) driving. But the combined MPG rating, which represents 55% city driving and 45% highway driving, provides a quick and easy way to compare the fuel efficiency of gasoline vehicles — which is especially helpful if you’re shopping for a new car. You can find these values for your current vehicle through a quick internet search.

If you want to measure the real-world gas mileage of your car, it’s easier than you might think. Follow the steps below from the U.S. Department of Energy’s Office of Energy Efficiency & Renewable Energy:

• Step 1: Top off your tank. Fill your tank all the way up, then record the current mileage from your odometer (or set your odometer’s trip meter).
• Step 2: Run it out, then record your numbers again. Once it’s time to fill up again, record the new odometer reading as well as the number of gallons it took to refuel.
• Step 3: Subtract your readings. If you used the trip meter, you can skip this step. If not, put those elementary math skills to use and subtract your first odometer reading from your second to see how many miles you traveled on one tank.
• Step 4: Do a little division to determine your MPG. Take your figure from step three and divide the number of miles you drove by the number of gallons it took to fill your tank. Your final number is your MPG for that driving period.

WHAT’S CONSIDERED “GOOD” GAS MILEAGE?

Getting good gas mileage means that you can travel further using less gas.

As a general guide, the U.S. Environmental Protection Agency has designed a fuel economy rating that evaluates vehicles on a scale of 1 (worst) to 10 (best). These numbers can also be found on new car labels. For the 2020 model year, vehicles earning a 1 rating return an MPG of 14 or less, while a score of 10 requires 44 or more MPG.

But there are a lot of other variables that factor into this ‒ from the type of vehicle you drive to the way you drive it. And all of these can add up when it comes to how much you end up spending on gas.

WHAT CAUSES POOR GAS MILEAGE?

Regardless of what kind of vehicle you drive, all of these factors can negatively impact gas mileage:

• Speed: The faster you drive, the more fuel your vehicle burns up. This includes how fast you accelerate, too.
• Idling: Keeping your car on for it to warm up or cool down, queuing up at a drive-thru or waiting to pick your kid up from soccer practice can all decrease your vehicle’s fuel economy.
• Aerodynamic drag and excess weight: Driving too fast or traveling with a rooftop cargo carrier? These can increase wind resistance, which causes your vehicle to use more gas. And towing any kind of trailer or hauling too much in your trunk, bed or back seat also requires more fuel.
• Poor maintenance: From underinflated tires to an unattended engine issue, failure to consistently “tune-up” your vehicle can cost you a lot more at the pump. It also can create potential safety risks.
• Quick trips: A quick run to the supermarket on Monday. Stopping by the bank on Wednesday. While it may be convenient to run these errands one at a time, it can wreak havoc on your fuel economy. Quick, short trips like this from a “cold start” eat up fuel, because your engine needs to warm up before it can run efficiently.

HOW CAN I IMPROVE MY GAS MILEAGE?

The U.S. Department of Energy’s Office of Energy Efficiency & Renewable Energy and Consumer Reports offer several ways that you can improve your MPG:

• Drive more efficiently.
  • Follow the speed limit, and drive sensibly ‒ not aggressively (e.g. quick accelerations, hard stops, etc.).
  • On the highway, don’t speed up and slow down (unless you need to for safety). Once you get up to speed, stay there. Use cruise control when possible.
  • Remove the unnecessary extra weight, avoid idling and take the cargo box off the roof of your vehicle (unless you really need to use it) to help even more.
• Keep your car in shape.
  • Make sure your engine is tuned, keep tires properly inflated and use the right grade of motor oil.
• Plan and combine trips.
  • • Spend less time sitting in traffic by avoiding rush hour on daily commutes.
    • Run all your errands on one day rather than taking multiple short trips during the week.
    • If you have an especially long commute, ask your employer if you can work from home a day or two per week.