Steps to Buying GREAT Auto Insurance

We’re car people.  From the accents and contours of a vehicle, to the drive and adrenaline of a fast car, we have a certain appreciation for the automotive machine.  As our passion, we’re great at finding a perfect fit for our customers.  When it comes to auto insurance, you want to be covered in the case you get into a fender bender.  So, in an effort to ease the burden, we’re providing 5 tips for finding the right coverage at the right price.  By doing some comparison shopping, you could save hundreds a year.  

Find the Right Coverage

Your first step should be to find a list of what is required in the state.  You can visit this link to find out: http://www.edmunds.com/auto-insurance/how-much-car-insurance-do-you-need.html this will provide the minimum of what is required. Once you have that, you should decide what insurance premium you need.  Your decision depends on your degree of comfort and a certain level of risk.  According to Edmunds:

“Experts recommend that if you have a lot of assets, you should get enough liability coverage to protect them. Let's say you have $50,000 of bodily injury liability coverage but $100,000 in personal assets. If you're at fault in an accident, attorneys for the other party could go after you for the $50,000 in medical bills that aren't covered by your policy.”

Also, you don’t have to buy collision and comprehensive damage, especially if your vehicle is older than 2000.

Check Your Driving Record

How many tickets have you had recently? By checking your state’s department of motor vehicles, you can have a better idea of how you stack up.  For example, if points you earned on your license are about to disappear, this will improve your driving record.  So, we would recommend you wait until that happens before you receive quotes.

Solicit Competitive Quotes

You will need:

o   Current Policy

o   License Number

o   Vehicle Registration

Check out insurance company websites and receive a quote.  It’s easy to type in your information and build a list of companies for comparative quotes.  Each quote takes about 15 minutes to complete, but shopping around can save you hundreds.  Think about the annual and monthly rates for different types of coverage, note the 800 number so you can get more direct answers, and pay close attention to the insurance company payment policy. 

These are just a few tips to get you started.  For more info visit your favorite insurance company website for details.

Are Your Tires in Dangerous Condition?

Good tires are one of the most important aspects of safe driving.  Hands down.  Sean Kane, president of Safety Research and Strategies, Inc. explains an aging tire to an old rubber band. "If you take a rubber band that's been sitting around a long time and stretch it, you will start to see cracks in the rubber," says Kane, whose organization is involved in research, analysis and advocacy on safety matters for the public and clients including attorneys, engineering firms, supplier companies, media and government.

Cracks in the rubber develop over time and can appear on the surface and inside of the tire, as well.  This cracking can cause the steel belts in the tread to separate from the rest of the tire. Improper maintenance and heat can accelerate the process.

How Long Does a Tire Last?

Lifespan differs and there is no guideline on tire aging, but tire manufacturers like Continental and Michelin say a tire can last up to ten years, provided you get annual tire inspections after the fifth year. There’s no way to put a date on a tire because there are several factors that affect the life of the tire:

• ·      Heat
• ·      Storage
• ·      Conditions
• ·      Use

How to Determine Your Tire’s Age

All you need to know is the U.S. Department of Transportation (DOT) number.  Tires manufactured after 2000 have a four-digit DOT code.  The first two numbers represent the week, while the second two represent the year.  If a tire has the code 1109, it was made in the 11^th week of 2009.   After finding the tire’s birthdate take a look at the rubber.  Look for tread distortion, hairline cracks in the sidewall, and vibrations in the dynamic properties of the tire, could be cause for alarm. 

For more information, come in and see us.  We’ll do an extensive tire inspection and let you know the exact status of your tires.

7 Facts About Texting That Can Save a Life

Multitasking has increased in the last few years to astronomical heights.  With one hand and a smartphone you can watch a YouTube video, send an email, play a game, voice chat and place a call in a five-minute span.  However, with much power comes much responsibility because NOW that we have this access 24-7, it has carried over into our driving habits. 

For some time, researchers have been telling us to focus only on driving, quoting a greatly increased chance of accident, injury and death when we distractedly call a friend or answer a ringing cell phone.

Now, new research has revealed the most dangerous driver distraction of all: texting.

A study by the Virginia Tech Transportation Institute, along with prior studies by Liberty Mutual Insurance and state-funded organizations located online, reveals the shocking statistics of texting behind the wheel:

• Texting while driving increases the risk of accident 23.2 times over unimpaired driving.
• Texting while driving results in longer response times than even drunken driving. While an unimpaired driver can respond quickly to changes in traffic and begin braking within half a second, a legally drunk driver needs four additional feet to begin braking—and a driver who’s texting needs 70.
• In the moments before a crash or near crash, drivers typically spend nearly five seconds looking at their mobile devices—enough time at typical highway speeds to cover more area than the length of a football field.
• Though 95 percent of drivers surveyed said texting behind the wheel was unacceptable and unsafe, at least 21 percent admit to doing it anyway.
• Especially amongst teens, texting results in erratic driving behavior, like lane weaving and speeding up and down, increasing the likelihood of hurting pedestrians and running into other vehicles.
• Texting behind the wheel is generational: 37 percent of drivers 18 to 27 admit to texting while driving, compared to 14 percent of 28 to 44 year olds, and 2 percent of 45 to 60 year olds.
• An accident can happen in two to three seconds while texting.

Drive Safely!

Top Road Trip Spots for a Rover

One word: ROAD TRIP!  Save on flights and accommodations by planning a trip to one of these awesome locales:

The Most Scenic Routes in America: Summer Edition

Sometimes, you need to get away.  Work is exhausting, your favorite TV sitcoms have gone off the air, and it’s time to break the mold.  Imagine breathing in the cool breeze of an ocean, or the soothing heat of a morning sun while taking a trip down the countryside.  Road trips are a great way to embrace the open road to view what our beautiful country has to offer.  So, you have the keys, a bag of snacks, and a couple days to check out your surroundings, but where do you go?  In today’s blog, we’re discussing some great scenic places to visit while you travel. 

Overseas Highway – Florida Keys

A highway that spans 113 miles, composed of roads and bridges from the Florida mainland to the country’s most southern point, the Overseas Highway is a beautiful place to drive.  There’s blue ocean, ships, boats, fisherman and tourists at every turn.  As an added fact, the Florida East Coast Railway was converted into this awesome highway.

Finger Lakes Region – New York

The Finger Lakes are a chain of lakes in central New York State shaped like…well, uh…fingers with the lakes formed by glaciers.  The lake extends 75 miles from Syracuse to Rochester.  There’s farmland, quaint towns and hundreds of wineries.  An Autumn trip adds an accentuating foliage to a beautiful drive year around. 

Pacific Coast Highway – California

This is known as one of the most scenic views in the world.  Hugging cliffs, and coastlines line a 123 mile stretch in a blissful five hour dream of beauty and saltwater scents.  However, this is not for the faint at heart.  The PCH offers some hairpin turns, narrow shoulders and steep drop-offs so BE ALERT. Honestly, take some time to pull over in safe places to really enjoy the vista. 

San Juan Skyway – Colorado

This scenic 233-mile drive through San Juan National Forest, Grand Mesa, is known as the “road to the sky” because of its mountains, quaint towns and ancient Native American pueblo ruins.  The drive features steep cliffs, alpine forests, campgrounds and plenty of outdoor activities. 

How to Buy a New Car in 24 Hours

Contrary to popular belief, many potential buyers dread the car buying experience (cue sarcasm).  They feel it’s too long, redundant, and that sales people are trying to take advantage of their good nature.  Our dealership is different.  We make your car buying experience fun and enlightening.  So, in today’s blog, we’re providing a way to purchase your dream car in one day.

1.   Find Your Dream Ride

Check out our inventory online to find your perfect fit.  Narrow your search down to color, trim level and the options you desire in an easy quick to use inventory system.

2.   Make a Deal

Call us up and speak to our Internet Manager.  During your chat, ask for our pricing and double-check with us for any incentives or rebates for the vehicle you’ve fallen in love with.

3.   Arrange Delivery

So, you’ve found the perfect car, the price is within your means you’re good to ride off into the sunset.  Don’t cue those closing credits just yet.  Now, you can setup an appointment to close the deal in our dealership.  To speed up the paperwork, just ask us what documentation you’ll need, as well as completing a credit app on our website.  When you come in, just ask us to give you the demonstration of your vehicle.  We’ll show you all of the cool new technology your car offers, how to use certain settings, and answer any questions that you might have about your vehicle.  If you’re pressed for time, just bring your new car in a week later for a detailed briefing.  By then, you’ll probably have a few questions to ask our car gurus. 

We understand that a car purchase is a big decision, but it CAN be done quickly with little to no stress.  Follow the above tasks and you’ll be driving off in your new vehicle in a jiffy! 

Tell us about your best car buying experience below: 

Driving Cautiously in a Downpour

Rain is essential.  It helps vegetation flourish, provides nutrients to soil, and is an overall integral part of life here on Earth.  But when it’s hitting your windshield and the pitter-patter of raindrops causes you to clench your teeth, it’s time to take precaution.  Rain can be attributed to thousands of car accidents a year.  Accidents can be preventable by drivers who weather (pun intended) the conditions of the road, using their intuition and defensive driving skills to stay safe during their commute.  When the road is wet, a film is created on the asphalt, causing your tires to lose traction.  Another problem during a downpour is your perception.  You can’t see as far into the distance as normal, so this decreases visibility of other cars and the road itself.

In today’s blog, we discuss some options to driving safely when the roads are wet.

Be careful when it rains after a dry spell.  Engine and oil grease cake up on asphalt over time.  When this is mixed with rainwater, it can cause the road to be extremely slick. 

Allot more time for your commute.  This allows for a steady drive to your destination.  The last thing you want to do is rush, it also compensates for delays, flooding, and unexpected accidents.

No Cruise control!  If you go into a hydroplane, there’s a slight chance your car could accelerate.  Reaction time is crucial and you’ll need your foot close to the pedal at all times.

Turn on your headlights.  This helps you see the road, and also lets motorists see you.  Blasting your high beams however can prove detrimental.  It can obscure your view further, reflecting water droplets in the air. 

Hydroplaning.  The first rule to avoiding the dreaded hydroplane is to avoid braking suddenly or turning the wheel, which can cause your car to spin or skid off of the road.  According to Edmunds: “Release the gas pedal slowly and steer straight until the car regains traction. If you must brake, tap the brake pedal (unless you have antilock brakes, in which case you can put your foot down).”

Defog your windows.  Rain causes your windshield to fog up fairly quickly.  Turn on your defrosters and make sure you're A/C is turned on.  Most vehicles climate control systems will automatically engage the A/C when the windshields defrost is selected.