auto Archives - The Franklin Shopper

When the weather warms, many people take to the outdoors to enjoy the sunshine and rising temperatures. Summer road trips or vacations are the norm, but it is important to realize that hot weather can take its toll even on a new, well-maintained vehicle.

High temperatures can cause all sorts of damage to a vehicle, from zapping battery power to overtaxing the cooling system. Recognizing potential hot-weather risks and performing routine checks on the vehicle are the keys to keeping vehicles in top form.

Battery

Excessive heat can shorten the life of a battery because it causes battery fluid to evaporate more quickly. This, in turn, can damage the internal structure of the battery. AAA reports that car battery issues are the most common breakdown calls.

It’s a good idea to top off a battery with distilled water if it is the kind that requires it. Low-maintenance batteries may not have filler caps and will not require water. Inspect the battery for corrosion and leakage of battery acid. This could be a sign that the battery is getting old and will need to be replaced.

Cooling system

Cooling systems work hard to keep the flow of air to the engine and prevent it from overheating during warm seasons. Compromised cooling fans or lack of coolant can be troublesome. To avoid overheating, check coolant levels before getting on the road. In addition, have the cooling system checked by a trained mechanic prior to the summer driving season. It’s a small price to pay to avoid extensive engine damage from overheating.

Tires

Hot weather causes the pressure inside of tires to rise. Overinflated tires can wear down prematurely or result in blowouts. The Car Care Council recommends checking tire pressure routinely in the summer, when tires are cold. Follow the guidelines in the owner’s manual for recommended air pressure. Look for improper tread wear, weak spots or other tire damage that may end up causing flats.

Fluid levels

Hot weather can put extra demand on all fluids and engine components. Check transmission fluid, power steering fluid, brake fluid, and engine oil levels. Top off or change when necessary.

Pack with breakdowns in mind

Plan ahead for potential summer breakdowns by bringing along water, snacks, sunscreen, and an emergency medical kit. Be sure mobile phones are fully charged and that the number of a tow service or roadside assistance crew is entered into your list of contacts in the event of an emergency.

With warm-weather road trips beckoning, it’s time to plan accordingly to prevent breakdowns that can derail fun.

Once drivers purchase an auto insurance policy, many simply let the policy renew each year. But with a little digging, drivers may be able to reduce their insurance costs considerably. According to the Insurance Information Institute in New York, consumers should ask themselves if they’re happy with the cost, service and coverage of their existing policies whenever it’s time to renew. If they are, they should stick with their existing policies. However, if customers feel things can be better, then it’s a perfect time to see what’s available. Many driver advocates advise shopping for a new policy every two or three years. When it comes time to switch car insurance companies, follow these steps and remember to avoid gaps in the coverage.

• Compare apples to apples. When shopping for new policies, consumers should compare the same features offered by various providers, including coverage types, deductibles and any limits. Keep a copy of your existing policy’s declarations page so that all quotes can be accurately compared to the existing policy.

• Research any cancellation fees. Before switching over, find out if there are any cancellation fees associated with an existing policy.

• Eliminate coverage gaps. Eliminate gaps in coverage by ensuring a new policy begins the moment the existing one ends. This prevents potential financial ruin should a driver get into an accident without any insurance during a gap period.

• Take note of any lifestyle changes. Be sure to list anything that can affect the cost of coverage, such as anti-theft devices on the vehicle, window etching or updated driving habits.

• Explore union or group affiliations. Drivers who are members of particular clubs, professional organizations or something similar may be eligible for special policies with certain providers. Make a list of any affiliations and contact the organizers to see if they have relationships with auto insurance providers. Law enforcement personnel or veterans may be eligible for certain discounts as well. Some insurance carriers only cover police officers or former military. It pays to look into these discounts.

• Consider small companies. Just because they don’t advertise as much as some of the more well-known providers does not mean small insurance companies are not capable of providing sufficient, affordable coverage. There are plenty of reputable small companies that offer excellent rates to drivers willing to exercise their due diligence.

• Check with the existing provider, too. Drivers can discuss their current rates and coverage with their existing insurance company, who may offer suggestions on reducing coverage or even offer lower prices in an effort to hang on to customers. Consider these possibilities before switching. Shopping around for a new automotive insurance policy may help customers cut rates and increase coverage.

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