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Does your car need a new battery?

2/23/2024

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Car batteries have varying life spans that depend on where you live, what type of battery you have and more. Get your battery checked out at each oil change, and test it once a year after the three-year mark.

​It’s also important to know the signs of a dying battery so you don’t end up stuck somewhere with a car that won’t start.

Keep reading to understand the factors that can shorten or extend your battery life, as well as what to consider when it’s time for a new battery.

What factors affect the life of a car battery?
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  • Time: Batteries deteriorate over time, but you can boost the life span. They can’t fully recharge on short trips, so try to drive your car for 30-plus minutes when possible. And don’t just let it sit in the driveway or garage; an unused battery can also die quicker.
  • Temperature: If you live in a warm climate, your battery may not last as long as in cooler climates. Start testing your battery annually once it’s three years old.
  • Vibration: Make sure your battery is held in place with special hold-down hardware. This will protect against the negative effects of vibrating, which can shorten its life.

What are the signs that a battery needs to be replaced?

Have your battery tested immediately if you notice:
  • An illuminated battery or check engine light.
  • The car is taking longer than usual to start.
  • Dimmer headlights.
  • A low battery fluid level.
  • A bloated battery case.
  • A bad smell, like rotting eggs.

How to Select a New Battery

You should replace your old battery with an identical model. Be sure to look for:
  • Battery Type: Conventional lead-acid is the most common, but some cars use an absorbent glass mat (AGM) model. 
  • Group Number: This refers to the size, hold-down configuration, and terminal type and location.
  • Cold Cranking Amps (CCA) Rating: This is how much electricity the battery can provide at zero degrees Fahrenheit.

Want to discuss your car insurance policy? Reach out for assistance.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
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How to Tell if Your Car Needs Repairs

2/20/2024

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 ​Keeping your vehicle in good condition is essential to your safety. Plus, a well-maintained car can help you save money in the long run.

That’s why it’s important to get regular service for your vehicle, such as inspections, oil changes and tire rotations.

But you should also know the signs that something may be wrong — when it’s time for a professional to look at your car for anything beyond regular maintenance.
  1. You hear strange noises while driving.

  2. If you’re driving down the road in a car that’s making knocking, squealing or grinding sounds, it’s probably time to call a mechanic. Strange noises can be an indication of malfunctioning spark plugs, low octane or brake issues.

  3. Your dashboard lights are on.
    You don’t want to ignore the “check engine” symbol or any other dashboard warning lights. It could be something small, but it’s best to find out and resolve the issue sooner rather than later.
     
  4. You can feel vibrations.
    It’s not normal to feel your steering wheel, gas pedal or seat shaking or vibrating. This could indicate a problem with your car’s tires, brakes or suspension system. And the more your car bounces around while you drive, the harder it can be for you to keep control of the steering wheel.


  5. Your windshield has a chip or crack in it.
    We’ve all been there: One day you look up and notice a small chip or crack in your windshield. Don’t ignore it — that small crack could become bigger, and repairing a small chip is less expensive (and less dangerous) than replacing your whole windshield.

​Reach out if you have any questions about car care or your auto policy.
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High-tech Cars: what's new in car saftey features?

4/22/2022

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​High-tech cars are here to stay. Car safety technology is evolving quickly, bringing scores of often unpronounceable abbreviations for new systems that promise to keep us safer. Can a car read a street sign? Can the family wagon's safety systems react to a sudden traffic change faster than a seasoned driver? Automakers say yes.

We're all familiar with established safety systems like Anti-Lock Braking Systems (ABS) and Traction Control. ABS dates back to the late 1920's when it was first developed for aircraft, although it wasn't until 50 years later that this now nearly ubiquitous technology reached the highway. Technology is advancing faster now than ever before, bringing inventive new safety systems to your dashboard and automobile chassis. Let's take a look under the hood of today's high tech cars to see what some of the most intriguing new technologies offer and how they can make your commute safer and less stressful.
  • What Are Advanced Driver Assistance Systems? Often referred to as ADAS, Advanced Driver Assistance Systems offer a broad range of safety-enhancing features for vehicles. These systems range from sensors that can detect drowsiness in drivers to pedestrian detection and avoidance systems — or even onboard cameras that can read road signs, warning you about speed limit changes or stop signs via dash alerts.
 
  • Automatic Emergency Braking Systems (AEBS). Going a step beyond simpler and possibly distracting collision warning systems, AEBS puts the brakes on rear-end collisions. Sensors continually monitor the distance of vehicles in front of the car. If the system detects that a collision is imminent, it intervenes, assisting with braking if the driver is braking (but not hard enough) or automatically applying the vehicle's brakes if the driver doesn't respond. The National Highway Transportation Safety Administration (NHTSA) reports that up to a third of police-reported crashes involve a rear-end collision.
 
  • Lane Keeping Assist. Some of the leading reasons for lane-drift crashes are driver distraction, illness, and drivers who have drifted off themselves — and are sleeping at the wheel. Lane Keeping Assist raises the bar above Lane Departure Warning systems, which provide audible warnings and are often manually disabled by drivers, by taking corrective action to keep the vehicle centered in the lane.
 
  • Drowsiness Detection System. Building on the technology that powers Lane Departure Warning, Drowsiness Detection Systems monitor how often you drift from your lane, watching for changes in driving patterns that can indicate fatigue or microsleep, the type of sleeping that happens when you doze off momentarily. Microsleep in your recliner at home is safe. When driving, those seconds spent in slumber-land can be dangerous or even deadly. More advanced systems use sensors that watch the driver's face and glance patterns for signs of drowsiness.
 
  • Pedestrian Automatic Emergency Braking. Warning systems that detect pedestrians (or bicycles) are becoming more prevalent but face the same challenge as many onboard warning systems. Audible warnings can be a distraction as you try to figure out what's making that beeping sound — and why. More advanced systems use cameras or radar to detect pedestrians in your path and then automatically apply the brakes if you don't respond quickly enough.
 
  • Traffic Sign Recognition. We've all had some moments of apprehension because we didn't notice a stop sign or a street sign indicating a speed limit change. Fortunately, the new wave of high-tech cars remains ever attentive, and a growing number of vehicles can read the street signs that we might miss and then relay that information on the dash or head-up display.
 
  • Vehicle-to-Vehicle Communication for High Tech Cars. The NHTSA is studying Vehicle-to-Vehicle (V2V) communication, specifically as it relates to two safety systems for cars: Left Turn Assist (LTA), which warns of oncoming traffic when turning left, and Intersection Movement Assist (IMA), which warns if it's unsafe to enter an intersection.2 The NHTSA estimates that these safety systems, powered by cars that communicate with other cars on the road, could save over 1,000 lives per year.
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Increased safety is the goal many of the advanced systems in cars now – and of those planned for the future. But the enhanced vehicle safety can pay dividends in other ways by helping to reduce accidents, sparing costly deductibles, while also keeping your driving record pristine. The safety features of today's high-tech cars are as exciting as they are practical, and automakers are continually innovating to meet consumer demand. When it's time to shop for a new car, ask about its ADAS features, for safety's sake
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choosing safe cars for teens

4/22/2022

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​If your teenager has just gotten a driver's license, it may be hard to imagine handing over the keys to your brand new car, but that may be the smartest vehicle to choose.

However, the Insurance Institute for Highway Safety (IIHS) and the Insurance Information Institute (I.I.I.) say there is something worried parents can do to protect their teens — choose a safe vehicle.
  • Avoid vehicles that encourage reckless driving. Teen drivers not only lack experience, but may also lack maturity. As a result, speeding and reckless driving are common. When you are picking a vehicle for your teen, avoid sports cars or other vehicles with high performance features that could encourage speeding or other reckless driving.
 
  • Do not let your teen drive an unstable vehicle. Sport utility vehicles, especially the smaller ones, are inherently less stable than cars because of their higher centers of gravity. Abrupt steering maneuvers — the kind that can occur when teens are distracted or over-correcting a driver error — can be more likely to cause rollovers. A more stable car would, at worst, skid or spin out.
  • Pick a vehicle that offers good crash protection. Teenagers should drive vehicles that offer state-of-the-art protection in case they do crash.
 
  • Do not let your teen drive a small vehicle. Small vehicles offer much less protection in crashes than larger ones. However, this does not mean you should put your child in the largest vehicle you can find. Many mid- and full-size cars offer more than adequate crash protection. Check out the safety ratings for mid-size and larger cars.
 
  • Avoid older vehicles. Most of today's cars are better designed for crash protection than cars of six to ten years ago. For example, a newer, mid-size car with airbags would be a better choice than an older, larger car without airbags. Before you make a final choice on the car your teenager will drive, consult the U.S. Department of Transportation or the Insurance Institute for Highway Safety.
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The importance of regular car maintenance

4/15/2022

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​Your car is made up of a number of different parts, and like any well-oiled machine, every part needs to be in tip-top shape to run smoothly. If one part starts to fail, it could affect how the whole car runs. There are a number of things you should do to help keep your car maintained, but do you know why performing certain regular maintenance checks on your car is important? From monitoring fluid levels to testing brakes, understanding your car’s needs can help you identify potential issues.

Monitor Car Fluid Levels

Cars rely on a number of fluids to help keep them running properly. While you may turn to your mechanic during routine maintenance visits, it’s a good idea to perform your own checks in between car inspections. Here’s a roundup of some car fluids to keep an eye on in case they run low, or else they could result in your vehicle not functioning properly.
  • Oil. Car engines need oil to lubricate the metal in the engine. If you allow the engine to run out of oil completely, friction caused by metal rubbing against each other could produce unnecessary heat and could make the metal meld together.1 If there is still oil present but it appears to be dirty, consider changing it. Dirty oil is thick and erosive, and any contaminants could start to erode the metal in your car.
  • Transmission fluid. Much like engine oil, transmission fluid helps keep a key part lubricated and functioning properly: the transmission. If transmission fluid runs low, it could result in contaminants forming, and can shorten the transmission’s life.
  • Coolant. Made up of ethylene or propylene and water, coolant helps to absorb heat and pass it through the radiator. Coolant breaks down over time because of the hot environment it lives in. As a result, the lack of coolant’s rust inhibitors could cause rust to form, blocking any cooling paths and overheating your engine.
  • Brake fluid. While brake fluid doesn’t get dirty or evaporate, it can potentially absorb moisture from the atmosphere. Since water boils at a lower temperature than brake fluid, it can lead to air forming in your brake lines.
  • Steering fluid. The power steering fluid helps to make steering easier – if you don’t change it, it could make the steering wheel difficult to turn.

Check Your Tire Pressure and Alignment

If you ever expect to make it from Point A to Point B, you can’t over- or underestimate the amount of air your tires need. Tire pressure that is too high or too low could affect your car’s cornering, braking and stability. When you have high tire pressure, less of the tire touches the ground, affecting your car’s traction and stopping distance. Low tire pressure means more of the tire touches the road; the tires could wear out more quickly and the risk of your tires overheating could increase due to friction against the ground. Check your owner’s manual to determine the recommended tire pressure for your car.

It is also important to check your tire alignment to ensure your vehicle’s suspension is performing properly. Bad tire alignment can cause your car to veer toward one direction or even result in vibrations while driving. If you notice your car has uneven tread wear, your vehicle pulls to one side over another, your straightened steering wheel appears off center or you experience vibration through your steering wheel, you should take your car to a service technician.

Perform Routine Brake Checks

Depending on where your morning commute takes you, driving in areas that feature more stop lights and stop signs could mean you are stepping on the brakes more often than if you normally take the highway. Your brakes are a hydraulic system made up of a set of pads that squeeze together when prompted, and run on brake fluid. If the pads wear too thin, it makes it harder to slow or stop. Your car likely has a service light that would turn on when it’s time to check your brakes, but don’t just rely on that technology; if you see any leaking fluids, notice how thick or thin your pads have become or hear a grinding sound, it may be time to replace your brakes.
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As a car owner, it is your responsibility to regularly maintain your car like you would any other type of property you own. If you ignore your car, it could put your safety at risk.
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Car sAFTEY tECHNology

4/15/2022

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We take it for granted, the automatic way we take the wheel and set out to drive from Point A to Point B expecting to have a smooth, uneventful ride. Since the introduction of the automobile, driving has been a convenience that has transformed our lives. But driving comes with no guarantees of avoiding mishaps, and unseen, unpredictable safety challenges can occur.

Fortunately, in the many decades in which driving has become a given, a number of innovative technologies have been introduced to help make driving a safer experience every time.

It may not exactly be artificial intelligence, but some technologies are able to react to specific situations. Other technologies are like an extra set of eyes to help alert you to potential dangers, and help you to react in time to avoid harm to yourself, your vehicle or those around you as you drive. Here’s a roundup of some of the technologies available to bolster your driving experience.

Reactive and Responsive Features

Adaptive cruise control is the next-generation version of this technology that allows drivers to select and maintain a constant speed without using the accelerator. Adaptive cruise control systems can sense vehicles ahead and adjust your speed to keep a safe following distance. Some (but not all!) systems also incorporate emergency braking to help slow your vehicle to avoid a collision.

Another responsive technology that’s come along are adaptive headlights. Designed to help illuminate the road ahead during turns, adaptive headlights can help improve nighttime visibility on curved roads. As you turn, the lights adjust to illuminate the roadway ahead.

The Anti-Lock Braking System (ABS) has been around for years, to the point that many drivers may not realize this feature is a built-in safety requirement to keep their brakes from locking up when they stop. Even though ABS may not always help you stop more quickly, it can help you maintain control of your vehicle when you stop by preventing your wheels from skidding.

The Ease of Automation

There are some things that technology simply does better than our human limitations allow us to do ourselves. Take, for example, automatic lights. You’re driving into a tunnel. Before you have to flip a switch, the automatic light system in your car turns on your headlights to guide you through the temporary darkness. Once you emerge from the tunnel, the system turns off the lights, eliminating your need for reactive or proactive thinking and helping to keep your focus on your driving.

Likewise, the skillfulness required to park your car can be left to the car itself, thanks to automatic parking systems. Once you have placed your vehicle in a position where the automatic parking system can take over, multiple sensors detect obstacles and calculate steering angles while guiding your vehicle into a parking spot.

When You Don’t Have That 360-Degree View

Obstacle avoidance can be challenging from the driver’s seat, and innovators have taken that challenge seriously with technologies that help. Is there an object behind you? Backup alarms can alert you to it, and backup cameras can help you to see behind your vehicle in spots that otherwise might not be seen. Likewise, blind spot monitoring technology can give you a heads up when another car is in your blind spot. Sensors around your vehicle give you a warning when another car is detected. Depending on the vehicle, warnings can be visual, audible or tactile.

Maintaining control of your vehicle and being prepared for a possible crash have generated other technological advances – both new and tried-and-true. Among the ones to consider:

  • Electronic Stability Control (ESC) has been around since the late ‘90s, and as of 2012 was required in all newly manufactured personal passenger vehicles sold in the U.S. The system can help detect when a skid is about to occur or is occurring, and can help you stay in control by selectively applying the brakes to different wheels.
  • A Forward Collision Warning system may use radar, laser or camera sensors to detect when a crash is imminent. Once detected, the system alerts the driver to take action. Some of these systems are capable of braking automatically and preparing for a crash by pre-charging the brakes and tightening seat belts.
  • Long drives and weariness can make it tough to stay alert. Lane Departure Warning Systems alert you with a warning if you drift out of your lane.
These technologies are changing how we drive and helping to make driving safer. But no matter how amazing these advances are, it is important to remember who is really in the driver’s seat. Drive at safe speeds, watch your blind spots and stay attentive, even if your vehicle has technology designed to help you with these important tasks.
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5 Tips for Buying a New Car

2/2/2022

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It's appealing to buy a new car that looks great and is fun to drive, but it also pays to look beneath the surface for features that make your vehicle safe to drive and affordable to insure.

Car insurance costs are based, in part, on the model's safety history, the cost of vehicle repair or replacement, and the likelihood that the car will be stolen. Many insurers offer discounts for vehicles with features that reduce the risk of accidents and injuries.

Here are five tips to consider when shopping for a new car:

​1. Find Out the Cost of Insurance

Your insurance rates typically change when you acquire a new vehicle. Before you choose a model, the nonprofit Insurance Information Institute recommends that you ask your insurance rep how much it will cost to insure.1

If you choose a sporty model that attracts buyers who enjoy driving fast, it will likely cost more to insure. If the car you pick is very expensive, it will be costly to repair or replace, and that will drive up insurance costs. A model that's often targeted by car thieves may also cost more to insure.

2. Look for Safety Technology

One of the best things about buying a new car is all the new devices that have been developed in recent years to help drivers avoid accidents. Advanced safety features can include:
  • Adaptive cruise control. It detects vehicles ahead and adjusts speed to maintain a safe following distance.
  • Adaptive headlights. As you turn, these headlights adjust to light the road ahead.
  • Automatic parking. Sensors detect obstacles and adjust steering to guide vehicles safely into parking spaces.
  • Backup cameras. They help you see behind your car to avoid collisions. 
  • Forward collision warning. Radar, lasers or camera sensors detect when a crash is about to occur, alerting the driver. Some systems automatically apply the brakes.

3. Consider Vehicle Design and Size

Design characteristics are important when choosing a new car. Larger and heavier vehicles typically sustain less damage in auto crashes than small cars. Some small utility vehicles and pickups are prone to rollover accidents.

In addition to considering size, look for cars that have “crashworthy" designs. These cars have strong “safety cages," the section of the vehicle that protects the occupants. Make sure that the front and rear ends are “crush zones" that can absorb the impact of crashes.

You can look up car safety rankings by using the Insurance Institute for Highway Safety's online safety rankings tool.

4. Get Pre-Approved for a Car Loan

it is recommended that you get pre-approved for a car loan before you begin shopping for a new car. Check with several lenders to get the lowest interest rate. Once you have loan approval, you'll know how much you can afford to spend. You'll also have an interest rate you can use to compare with those offered by the new car dealer's financing. In some cases, the dealer may offer the best financing deal.
Before you begin shopping for a loan, gather documents to verify your income and the balances of any debts you may have.

5. Negotiate the Best Price

A good negotiator usually can get a better deal than someone who simply agrees to pay what the dealer is asking. Dealers may price their cars higher than the amount they actually expect to receive in preparation for negotiations.

If you take time to research prices online before you visit a dealership, you'll have a better idea of what a competitively priced car should cost. Often, the best time to buy is during end-of-the-year sales, when dealers need to make room for newer models, notes the Las Vegas Review-Journal.

Negotiate the actual price of the car rather than the monthly payment. Focusing on payments makes it easy to lose sight of the full amount you'll be paying over time, says Autotrader.

​If you can't get the price you want, don't be afraid to walk away. Remember there's always another car.
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How to Protect Your Car From a Break-In

1/11/2022

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Unfortunately, car break-ins happen, but you can take steps to minimize your risk and keep your vehicle and belongings safe. 

By taking a few minutes to review these tips now, you could avoid the hassle of repairing (or replacing) your car later.

Here are 10 smart ways to keep your vehicle safe from theft.

Don’t Make a Break-In Easy
  • Lock your car and never leave it running unattended, even if you’re just heading inside your home for a minute. 
  • Close your windows and sunroof when you’re not in the car.
  • Take your key fob with you, and don’t leave a spare house or car key hidden in your vehicle.

Plan Ahead (Even in Your Neighborhood)
  • Stow valuables in your trunk. 
  • Avoid driving or parking in high-crime areas. If you’re driving to an unfamiliar destination, research your route ahead of time.
  • Seek out well-lit parking spots, garages and lots. And if you park in your driveway at night, consider installing a motion-sensor light.

Hide What’s Important
  • Don’t leave anything a thief might want, including spare change, shopping bags or other personal belongings.
  • Take your garage door opener, wallet, purse, phone and keys out of your car. If necessary, hide your items — but not in an obvious place like the center console.
  • Keep your vehicle title in the house and your registration in your wallet.

What to Do After a Crime

If you’re the victim of a vehicle break-in or theft, take photos of the damage, file a police report and reach out for help filing an insurance claim. 

​We can also help you be more proactive. Get in touch to learn about additional coverage for your vehicle or home.
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6 Steps to Take After a Car Accident

10/12/2021

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We never expect to get in a car accident. And even though accidents are common, they feel like a big deal when they happen to us. 

It’s natural to experience shock, anger, fear and other emotions in the moment and after the fact. But, preparing in advance can help make a collision more manageable. 
If you're ever involved in a car accident, taking these six steps can help you better handle the experience.

Step 1: Make sure no one is hurt. 

Call 911 if you, another driver, any passengers or any bystanders need immediate medical attention. 

Step 2: Keep everyone safe. 

The accident scene can be a hazard for other drivers. If the collision is minor, move the vehicles to the side of the road or the nearest parking lot. If the accident is major, carefully exit your car and walk to a safe place. 

Step 3: Call the police. 

Ideally, law enforcement will come to the scene quickly and take an official report. However, the local police department may not have the resources to respond to a minor accident, in which case you can file a police report yourself later.

Step 4: Gather necessary information. 

Use your phone's camera or a pen and paper to note the other driver's name, address, phone number and insurance information. Record the other vehicle's license plate, vehicle identification number, make and model.

Step 5: Document the accident. 

Take photos, videos and voice recordings to capture vehicle damage, road conditions and any details you remember about the events leading up to the crash. 

Step 6: File a claim. 

​Get in touch as soon as possible to get your claim started. We can work to get your car repaired or replaced and minimize the disruption to your life.
Reach out if you have questions about your accident coverage or anything else.
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10 Ways to Save on Your Car Insurance

9/21/2021

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Car insurance is a necessary expense for many people, and there are a variety of ways to save on this household cost once you know what it takes. To get started, gather your personal information, determine your budget and then consider the insurance coverage that you think will best safeguard you and your lifestyle.

Here are 10 ways to save on your car insurance:

1. Gather Specifics About Your Car and Its Primary Drivers

One way to begin the process of shopping for car insurance to get the most value for your money is to gather all of the information an insurance carrier needs to offer you the best possible rate.1 Start by compiling this basic information before you shop for quotes:
  • Make and model year of your car. You'll find it on your car's registration.
  • Vehicle Identification Number, or VIN. This is located on the inside of the driver's side door pillar.
  • Your car's safety features, including lane departure warning system, forward-collision warning and a back-up camera.
  • The anti-theft devices you use, including such mechanisms as an electronic tracking device or a steering wheel lock. Along with understanding the anti-theft features, you’ll want to take note of where you will be parking your vehicle. Consider the difference between parking your car in your garage versus parking it on the street or in locations outside of your home.
  • An estimate of how many miles you drive annually, plus your home and work addresses.
  • A list of everyone who will drive the car, their ages and any driver safety courses they have completed. Many insurance companies also want to know who in your household is of legal driving age, what their license status is (such as whether they have a learner’s permit or a suspended license, for example) and whether other drivers in your household have their own insurance. Depending on the state, this can help the insurance agent determine who should be listed and considered for your quote.

With this information, an insurance carrier can suggest the best coverage and rates for you and your lifestyle.

2. Research How Much Car Insurance Costs Before You Buy or Lease

When you buy or lease a car, it can be tempting to get a brand-new car or trade in your practical family vehicle for a sports car. Just keep in mind that the type of car you drive may impact your insurance coverage and rate. Be sure to check the cost of insurance before you finalize your car purchase or lease. Insurance rates may vary widely depending on the type of car, repair costs, safety record and many other subjective points.2

3. Research All Car Insurance Coverage Requirements

Each state has specific requirements for car insurance coverage.3 Coverage may become more complicated when a financial institution owns the vehicle you drive, so if you’re taking out a loan to make the car purchase, keep in mind that the lender may require you to have specific insurance that might otherwise be optional.4 One example is collision insurance that pays for the repairs of damage to your car sustained during an accident. Another example is comprehensive coverage, which typically covers the loss of the car for theft, fire and other damage due to non-accidents. Find out what coverage you need and the cost before you buy or lease.

4. Decide What Additional Coverage You Need

It may seem counter-intuitive but buying additional car insurance coverage may save you money.

 Weighing the options for additional coverage will help you to ensure you are well protected. Consider how your finances might be impacted if you're involved in an accident, and the injuries or damages exceed the amount covered by insurance. You purchase car insurance to help protect against the potential costs of a theft or accident, so be sure to talk to your insurance agent or carrier for professional guidance on the appropriate level of coverage for you.
In addition, there are other coverage options that may save you money. What if your financed car is totaled? Can you afford to pay the entire loan? In this case, you may want to consider GAP insurance, which covers the difference between what your vehicle is currently worth, which is what your standard insurance typically will pay, and the amount you owe on it.
Again, your insurance agent or carrier can help guide you through the available options.

5. Save Money with Accident Forgiveness

Having a clean driving record is one thing that typically can help you to qualify for lower premiums. But there are times when even a good driver can have an accident. You may want to consider looking into potential savings through Accident Forgiveness and Minor Violation Forgiveness, if available in your state. These optional features can help you avoid a premium increase following your first covered accident or minor violation. There are also other features that can help provide peace of mind, such as Decreasing Deductible and a Total Loss Deductible Waiver. Ask your insurance agent about these plans, if you fit the bill as being a responsible driver because of your good driving record. Some carriers – in select states – also offer a program that uses smartphone technology to capture and score driving behavior of drivers covered on your policy, which could result in savings both in your first term and at renewal. It’s another option to explore when you’re a good driver and looking to save on your car insurance.

6. Determine What Car Insurance You May Not Need

If you own an older car and are looking to trim your expenses, you may consider dropping collision and comprehensive coverage. You’ll want to consider how much your older car is worth when you consider the cost of your premium including collision and comprehensive coverage. Be sure to also consider your individual driving situation to base your cost-cutting efforts on all the factors that could help you determine if this is a wise choice for you. With an older car, you may be paying premiums that total more than your car's value. Typically, if your car is worth less than 10 times the insurance premium, it may not be cost effective to keep that part of your coverage.

7. Life Cycle Events Can Save Car Insurance Costs

​One thing you can count on is that life will sometimes bring changes in your lifestyle and circumstances, so it’s smart to consider how these changes may or could affect your car insurance costs. For example, did your child go away to school? Perhaps there’s a Student Away at School discount you can explore. Did you buy a home? Maybe you can explore a Multi-Policy Discount and get the benefit of bundling your policies. These are some of the events that may help lower your car insurance rate. It’s a good idea to notify your car insurance agent when you have a major life event such as these, to have a conversation to ensure you’ve got the best coverage for your current life needs.

8. Choose the Deductible That Is Right for You

Your car insurance deductible is the amount you’ll pay out of pocket before your insurance kicks in. The lower the deductible, the less you’ll pay out of pocket if an accident occurs. Selecting a higher deductible may lower your car insurance premiums.
For example, if you choose a $1,000 deductible and have an accident causing $2,000 in damage, you would pay the first $1,000 of a covered loss before insurance kicks in.

9. Compare Car Insurance Companies and Costs

​With many things we buy nowadays there are choices. Many of us wouldn't think of buying a product or service without comparing prices, the value you get for your money, and the reputation of the provider. You may want to consider using the same philosophy when you purchase car insurance. Do your homework and then talk to your insurance agent or carrier about what your needs are.8

10. Ask Your Agent About Available Discounts

It’s a good practice to check in with your insurance agent at least annually to find out if you are eligible for a better car insurance rate. You may receive discounts if you bundle coverage, such as buying insurance for your home and car from the same company. As mentioned earlier, safe driving records and extra safety features on a car may also lower rates. Ask your insurance agent about any new offerings or gaps in your coverage to determine the best coverage for you.

Now that you’ve got some ideas on how to save on your car insurance, you may want to check with your carrier to review your coverage. ​
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    ​Davidson Calfee is the Owner and President of Operations, overseeing overall portfolio management, agency relations and new business generation.  He has a natural ability to manage complex situations and achieve outstanding results for his clients.
     
    Calfee is constantly looking for ways to improve professionally and has worked diligently to revamp his team’s handling of the needs and expectations of his clients. 
     
    Calfee specializes in developing, designing and implementing complex property catastrophe insurance programs for his clients.  His market knowledge and client service skills have made Calfee a sought-after property resource for Massachusetts coastal residents.
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    This blog is intended to promote local events, businesses & non-profit organizations through out our network.  


    Our mission is to promote our clients and help them connect AND build longstanding relationships with members of the local community.

    The Arthur D. Calfee Insurance Agency, Inc., is a 2nd generation, family run insurance agency with offices located in Falmouth & North Falmouth, Cape Cod, MA.  Arthur began the business in 1980 out of his house, then soon grew to serving over 3,000 people in the area.  The agency can offer various competitive Car, Home, Business, Disability & Life Insurance policies.  Over the years, the agency has built strong relationships with various insurance companies to offer the most competitive policies in the region.  They work with such companies as Arbella, Safety, Encompass, UPC, Plymouth Rock, Travelers, Preferred Mutual, CNA, Lloyds of London, Scottsdale, Lexington, & MPIUA just to name a few. 

    Davidson Calfee, President of Calfee Insurance grew up in the insurance business by working part-time in the family business.  

    He obtained his bachelor of science degree and became the Alumni Class Director at the Conrad N. Hilton College of Hotel & Restaurant Management at the University of Houston, TX.  Davidson learned quickly about flood insurance after the  2001 Tropical Storm Allison in Houston when the entire city was under water.

    After college, Davidson completed his Marketing Management Training Program at the Isle of Capri Casino Resort & Hotel located along the Gulf Coast in Biloxi, Mississippi.  Then Davidson learned more about the insurance industry when Hurricane Katrina hit the Gulf Coast in September, 2005.

    Learning from his past experiences with natural catastrophes, Davidson grew a natural passion to help his home town Cape Cod residents understand insurance and it's complexities.

    Quickly settling on Cape Cod after the Katrina, Davidson became the Founding Chairman of the Falmouth Young Professionals, President ofBNI - Team Advantage, Treasurer of the Falmouth Education Committeeand the Director of Automation with the Cape Cod Insurance Agent's Association.  In the past, Davidson has held positions such as the Ambassador to the Conrad N. Hilton College, the Falmouth Chamber of Commerce and the Canal Region Chamber of Commerce.  

    In 2012, the Falmouth Chamber of Commerce voted him on to theirBoard of Directors.  The Falmouth Community Television Stationawarded Davidson with their prestigious "Volunteer of the Year" award during their Annual Dinner for many events & special productions including The Village Green, Live Election Coverage, Young Professional Television and special government meetings, to name a few. 

    Arthur D. Calfee, Davidson's father and founder of Calfee Insurance, has 50 years of experience in the insurance industry. 

    He worked in the Boston claims office of the Boston Old Colony Insurance Company from 1960 to 1966, when he moved to Falmouth. 

    After 14 years working for a local agency, Art opened his own agency in 1980. 

    In 1988 he purchased the Everitt W. Noyes Insurance Agency in North Falmouth. 
    In 1990 he purchased the Gordon W. Bryden Insurance Agency and merged it into the North Falmouth office. 

    Today the agency's Falmouth and North Falmouth offices serve the insurance needs of more than 500 businesses and more than 3,500 individuals throughout Massachusetts and beyond.

    In 1997 Art was named the town's "Outstanding Citizen of the Year" by the Falmouth Chamber of Commerce" for many years of dedicated service, leadership and achievements that have made Falmouth and Cape Cod a very special place to live," an honor recognized by citations from the State Senate and House of Representatives.  Arthur has also received similar community awards such as the Falmouth Heritage Award. 

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    Proudly doing business in the following Cape Cod, Massachusetts towns and villages: Barnstable, Bourne, Brewster, Buzzards Bay, Centerville,
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