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How to Protect Your Car From Break-Ins

5/3/2024

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Car thefts and break-ins are nowhere near as common as they were in the early 1990s or 2000s, but they do still happen sometimes. Having your window smashed or your car stolen isn’t just an inconvenience; it can also be expensive to repair or replace.

​So, what can you do to protect your vehicle from a break-in? Read this for eight ways you could protect your car, its parts and your belongings.
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  1. Keep windows closed and doors locked. 
  2. No matter where your car is parked, double-check that doors and windows are closed and locked before you walk away. This can protect it from thieves who count on cars being unlocked.
  3. Don’t leave your keys in the car. Leaving keys in your car, whether it’s off or idling, is an invitation to thieves. And if you have other keys on the ring, those spaces are also vulnerable to theft.
  4. Keep valuables out of sight. As with keys, you don’t want to leave belongings visible in your car, including your phone, laptop bag or other items someone might want to take.
  5. Be careful about parking. Park in well-lit areas. The visibility can help to ward off criminals who don’t want to get caught breaking in.
  6. Protect your car’s wheels. Yes, sometimes thieves will leave your car but run off with the wheels. Protect yourself with lug nut locks to prevent their quick removal.
  7. Use security cameras at home. Whether you park in your garage or driveway, installing a visible security camera can be a deterrent to theft. If something does happen, you’ll have caught it on video.
  8. Prevent catalytic converter theft. While not every make and model is a target of this kind of theft, it’s an expensive repair if it happens to you. You can set your car alarm to respond to vibrations or ask your mechanic to install a lock or shield.
  9. Make sure you have enough auto insurance. Having comprehensive coverage will help ensure you’re compensated for your loss if your car is stolen.
  10. ​ If you have questions or want to update your insurance policy, reach out today.
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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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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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How to Protect Your Car From Theft

12/1/2021

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Technology has helped to change auto theft in significant ways. Engine immobilizers, audible alarms and vehicle recovery systems have made cars harder to steal and easier to recover. Today’s thefts are often the product of opportunity, with would-be thieves looking for unsuspecting drivers who leave their cars unattended.

While motor vehicle theft rates have declined 42% over the past decade,¹  a car is still stolen every 44 seconds in the United States.² Between 40-50% of thefts are due to driver error,³ including doors that are left unlocked or keys that are left in plain sight.
 
In order to help protect your vehicle from a crime of opportunity, you need to take some preliminary steps to slow down any potential thieves. Try to avoid parking in places where a thief will have time to bypass the ignition system. And even if you are running a quick errand, always lock and set the alarm on your car. Be sure to bring inviting items, including your keys, phone, GPS, laptop, and wallet with you, or stow them out of sight. 

Stow Valuables Before You Park

Many thieves watch parking lots looking for people who leave valuables in their cars.  Stow valuables out of sight before you park so not to attract the attention of thieves.

Park in Plain Sight

Always remember to park your car in a safe and visible location. Thieves will act even in broad daylight if they can find cover. Look for well-lit areas and open, unblocked spaces when you park.

Do Not Leave Your Vehicle Unattended While Idling

Even if you are just making a brief stop, always take your keys with you. Thieves tend to frequent convenience store parking lots and gas stations, where people may leave their cars running and keys in the ignition. During cold weather, it might be tempting to let your vehicle idle to warm up. This makes an inviting target for car thieves.

Hide All Electronic Cords

Avoid unintentional visual tips for thieves, which include leaving chargers for phones and gadgets as well as holsters for navigational equipment in plain sight.

Take Precautions and Make Tracing Your Car Easier

When leaving your car, lock all doors, roll up the windows and remove the keys. If you have one, activate the alarm and set the parking brake. Install wheel locks to prevent theft of wheels and tires. Consider an after-market steering wheel/brake lock if you are in a high-crime area. Having your vehicle’s VIN etched on all windows can also help deter thieves.

If You Believe Your Car was Stolen:
  • Verify that it was actually stolen and not parked or moved by someone else with access to your vehicle.
  • Call the police.
  • If you have a vehicle recovery device or vehicle assistance plan or system, contact the company to activate the locator.
  • Notify your agent or insurance company.
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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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How to Avoid 3 Summer Driving Mistakes

7/30/2021

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Summer is the perfect time for a road trip. Whether you’re getting away to the nearest lake or crossing state lines to visit friends or family, you want to get there safely.  

​Here’s a quick refresher on how you can prevent common driving mistakes and make sure you have a smoother trip.

3 Mistakes to Avoid 

1. Not inspecting your tires. If you drive a newer car, the instrument panel might notify you when your tires need air. If not, use a tire pressure gauge to check. Low pressure plus hot weather can cause a blowout, especially under the added weight of luggage and passengers.  
Equally important, check your tires’ tread depth. Worn tires make it harder to brake, especially on wet roads. Better yet, ask your mechanic to make sure your car is in top shape before you leave.

2. Forgetting to pack a car emergency kit. Even with a recently tuned-up vehicle, things can happen that may leave you stuck on the road longer than you planned. A car emergency kit can help you handle these incidents with less stress. Include plenty of food and cold water for people and pets, plus items like jumper cables, a functional spare tire and a working flashlight.

3. Skipping a traffic check before you head out. An app like Google Maps can tell you if there’s a major traffic jam in your way. Be prepared to plan an alternate route or adjust your schedule if necessary. After all, no one likes getting stuck in bad road conditions

Another common driving mistake is not having enough insurance coverage. Before you hit the road, reach out to make sure you’re fully protected.

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Leasing a Car: Pros & Cons

7/16/2021

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When you ask, “Should I lease a car?” you likely hear one of two words: "Do" or "Don't.’

That makes it difficult to decipher the pros and cons of leasing a vehicle. The answer to the question, like many financial decisions, depends on a host of individual details including price, terms, driving record, insurance history and more.

Misinformation and even some long-held biases on the pros and cons of leasing add to the confusion. But leasing a car makes sense for many people.

Are you among them?

The best way to judge is to understand the pros and cons of leasing a car, how leasing a car works and what insider tips for leasing a car might help you get the best deal.
Here are some of the particulars you might consider:

What Is a Car Lease?

You'll often hear car leasing likened to apartment leasing. There are plentiful similarities. When you lease a car or an apartment, you lease the property for a specific amount of time. You and the property owner have a mutual understanding that the assets will be returned in good condition.

Yet there are significant differences between leasing a car and leasing property or even other equipment. Many car lease agreements last two to three years and often allow you to purchase the car at the end of the term. Car lease agreements limit the number of miles the vehicle can be driven annually, generally between 12,000 to 15,000 miles. Those that exceed the agreed upon mileage are often responsible for paying 10 to 25 cents per mile. You may be able to increase the number of miles you can drive without a per-mile penalty, but the cost can be steep.1

How to Lease a Car

On the surface, it's easy to understand how leasing a car works.

Review car dealership websites. Then call or visit the dealership. That's how you'll find lease specials and selections.

One major difference between shopping for a traditional car loan and a lease is what you'd focus your energy on. With a traditional purchase, getting the lowest sale price is typically the goal, as that price, combined with the annual percentage rate (APR) of your loan’s interest as well as taxes on the vehicle, will be spread out over the course of a multi-year loan When leasing, your energy is better spent trying to determine the lowest possible payment, including all taxes and fees,2 since the term of the lease is typically shorter than a car loan term.

Shop at different dealerships before you select a car to lease, just as you would if you bought a car.
One tip: Don't forget to ask for all lease terms, from each dealership, in writing so that you can compare all fees, prices and terms.

Why Do People Lease Cars?

Some people choose to lease a car because it allows them to drive higher-end cars for a more affordable monthly payment. Plus, a two- to three-year car lease allows drivers to easily and frequently upgrade their rides.

Of course, not everyone leases because they want luxury wheels. Lower down payments, warranties, and free routine maintenance are among the benefits lease customers often receive.
Another bonus is that depreciation of the car is deducted from the total lease cost you pay. And some who end their lease find the car is more highly valued than predicted. That may entitle the lease owner to a payout or credit.3 An easy way to determine if you might be entitled to a payout or credit would be to evaluate your vehicle's value online and compare that value to your payoff amount. If your car is worth more than your payoff, you may want to discuss this issue with the dealership, to find out if you may be due some cash.

Many dealerships also offer leases for used cars. Those are usually certified preowned (CPO) cars. Those cars are generally newer, have low mileage and were inspected and repaired or refurbished.

What Are Some of the Downside of Car Leases?

The obvious downside to leasing a car is that you don't own the car at the end of the lease. That means you don't have a trade-in if you decide to purchase a car. Those that routinely lease cars over many years may pay more money than they would if they had initially bought the car.
Another thing to consider: You can break an auto lease, but it will likely cost you a hefty fee. Yes, you can sign a long-term lease, but that may negate the monetary benefits of leasing instead of buying a car. That’s because leasing typically costs you more than what you might have taken out in a long-term car loan. You’ll want to do the math to figure out if the numbers work in your favor to sign a long-term lease.

Should I Buy My Leased Car?

Just as you consider many factors when you lease a car, you need to analyze the costs and benefits of buying the car at the end of the lease.

First, do you like the car? Do you enjoy driving it and does it suit your needs?

That may seem like a funny question but consider your lifestyle. If you leased a small, compact car so you can easily maneuver through traffic, for example, and are moving to a rural area where you may need a vehicle that has sturdier road handling capabilities, you may find the compact car unsuitable for your new location. On the other hand, you may not want to drive a large SUV if you are moving to a congested urban area.

Are you happy with the car's performance?

​Do you find gas mileage is reasonable?

Is the car always in the shop for warranty work? Analyze how much the car's upkeep will cost you if you do buy it.

If you decide the leased car is the one you want to buy, look at the residual value. How much is the car worth and how much would you pay to get out of your lease before it expires?4

There are various strategies to save money when buying your leased car, including financing through your bank or working directly with the lender (the creditor that owns the car). If you decide to buy the leased car, explore all options.

As with most personal financial decisions, the pros and cons of leasing a car come down to a host of individual factors. Analyze your needs and budget and then shop to make sure you make the right decision for you.
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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,
    Chatham, Cotuit, Craigville, Dennis, Eastham, Falmouth, Harwich, Hyannis, Hyannisort, Marstons Mills, Mashpee, Orleans, Osterville, Provincetown,
    Sandwich, Truro, Wellfleet, Woods Hole, Yarmouth, Yarmouthport  
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Arthur D. Calfee Insurance Agency, Inc. is a friendly local insurance agency proudly offering Massachusetts, Cape Cod and the Islands.  A-Excellent AM Best rating, A+ Excellent by the BBB
Using innovative thinking, cutting-edge tools and expert resources at national and local levels, we deliver the best possible outcome on every policy we manage.  Need Home Insurance?  Easy, Fast, & Secure Home Insurance.  Get Free Quotes 100% Online Now!  Available 24/7.  Affordable Rates.  Cover Your Biggest Investments.  Get a homeowners insurance quote, find coverage options.  We'll help you understand and customize the right home insurance coverage for you. 

​Home is where your heart is—along with a healthy chunk of your net worth. Get started today with a free homeowner's quote. 

Compare home insurance quotes today and save on protection for your biggest investment. Build a Custom Policy & Make the Switch! Our local underwriting professionals focus exclusively on finding the best home insurance, homeowner's insurance, hazard insurance, investment property insurance, flood insurance, flood zone information, vacation home insurance, second home insurance, auto insurance, collector car insurance, business insurance, general liability insurance, property insurance, professional liability insurance, contractor's liability insurance, worker's comp insurance, key man insurance, whole life insurance, term life insurance, group or personal disability, & long-term care insurance policies to patrons in the following Cape Cod, Massachusetts towns, communities and villages: Barnstable, Bourne, Pocasset, Brewster, Buzzards Bay, Centerville, Chatham, Cotuit, Craigville, Dennis, East Dennis, Eastham, Falmouth, East Falmouth, Hatchville, West Falmouth, North Falmouth, Woods Hole, Harwich, Hyannis, Hyannisport, Martha's Vineyard, Nantucket, Marstons Mills, Mashpee, Orleans, Osterville, Provincetown, Sandwich, Sagamore, Sagamore Beach, Truro, Wellfleet, Yarmouth, and Yarmouthport.  Real-Time Pricing. Insurance coverage: Wind Damage, Fire Loss, Water Damage. Protect your home and belongings. Low Rates For Your Best Options to Save Money On Great Coverage! Get a quote today. Home insurance helps protect your house and your family. 

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Arthur D. Calfee Insurance Agency, Inc.


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​Please note: The above is meant as general information to help you understand the different aspects of insurance. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features on this page are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.
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