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SUV vs Sedan: Which Insurance Is Cheaper?

If you are in the market for a new or new-to-you vehicle, you may be on the fence about whether to choose from the SUVs (sport utility vehicles) or sedans. There are many things to consider when deciding on a new ride, including which type of car has the lowest average costs for ownership and which has the lowest car insurance rates.

An SUV may cost more upfront than a sedan, but you’ll need to take into account a wide variety of factors, such as repair costs, gasoline or diesel costs, and other total ownership measurements. This includes car insurance. Do insurance companies charge less for the cheapest SUVs or are auto insurance premiums less for the cheapest sedan?

As always, there is more information to take into account. According to the Insurance Institute for Highway Safety (IIHS), both small SUVs, such as the Honda CR-V, and midsized luxury SUVs, such as the Acura MBX, are among the safest in 2023. Insurance companies take this information into account when setting car insurance policy costs. It’s always a good idea to check out every significant factor before deciding that one or the other is cheaper.

Pros and Cons of Insuring an SUV

SUVs are considered safer than sedans, in most cases. Later models come with many safety features, which can have a major impact on insurance rates. On the other hand, a large SUV may use more gas than a small car. There are pros and cons to choosing an SUV.

Pros of Insuring an SUV

Since SUVs are larger vehicles, they are perceived as having an increased safety factor, in addition to more room for passengers. For many people, these are the main reasons to choose this type of vehicle as a family car.

Higher Safety Ratings

SUVs tend to get higher safety reasons for several reasons, including better handling in challenging weather conditions. They are bigger and heavier than most cars, so people view them as a better bet in the case of an accident. This is actually true since the latest data from the IIHS points to increased safety during an impact for people in SUVs over people in other vehicles.

Better Visibility for Drivers

By their very nature, SUVs provide a better vantage point for drivers. Because they sit up higher than sedans and have more ground clearance, a driver and their passengers can spot a possibly sticky situation in time to avert a crash, as well as make safer lane changes and avoid pedestrians.

Cons of Insuring an SUV

Some of the very factors that make SUVs attractive can also be their downfall. Because they are bigger than the cars around them, they can be hard to maneuver in congested traffic situations. They can be harder to park, although in recent years parking lots and garages have begun to make larger spaces for SUVs and pickup trucks. It would be a good idea to consider your normal driving and parking situation as part of your decision-making process.

Higher Sticker Price

Are SUVs more expensive than sedans? In most cases, the answer is yes when comparing apples to apples. For example, a basic Chevrolet SUV may be cheaper than a top-of-the-line Jaguar, but if you are looking at middle of the road SUVs and sedans, then the SUV is going to have a higher sticker price.

However, small SUVs and compact SUVs are considered to be a good deal when compared to their small sedan opposites as far as price and safety goes.

Risk of Rollovers

These vehicles have a higher center of gravity and are top heavy, which makes them easier to roll. Rollovers are responsible for a high number of vehicle fatalities, which is why seatbelts play such a crucial role no matter what type of vehicle you drive.

Higher Cost of Ownership

The latest SUVs are typically too complicated for the average person to consider maintaining or repairing at home, leading to high repair costs. The same could be said for many of today’s sedans. However, for the larger vehicle there are some additional factors to consider, including:

Fuel mileage: SUVs tend to get less mileage to the gallon than sedans due to larger engines and more.

Emissions: An SUV will leave a larger environmental footprint than a smaller vehicle. This can be dependent on whether you are buying new or used. An older Cadillac may consume as much fuel as a newer subcompact SUV.

Tires and brakes: The weight of an SUV can cause tires and brakes to wear out sooner – and they may be more expensive to replace.

Pros and Cons of Insuring a Sedan

Whether owning a sedan is a positive for you or a negative is depending on your circumstances. A sedan will cost less, be more maneuverable in traffic,  give you better fuel economy, but give you less room for cargo and multi-passenger situations. However, it will be more challenging to drive if you find yourself on an unpaved road (in this instance, an SUV will win).

Pros of Insuring a Sedan

Sedans throughout time have run the gamut from painfully cheap vehicles with little thought to comfort levels all the way up to extremely high dollar and luxurious models. But regardless of whether your budget allows for the lower end sedans or not, you’ll still save money over an SUV.

Keep in mind that insurance costs vary widely between basic sedans and luxury sedans, as well as between sports cars and that cute little coupe.

Lower Sticker Price

First, in most cases, a sedan will cost less than an SUV. The cheapest sedan on the market, such as a Nissan Versa at around $15,800 is still $4,000 less than the cheapest SUV on the market this year, the Hyundai Venue at $19,500.

Lower Fuel Costs

Those who choose a sedan over an SUV will also enjoy lower monthly spending on fuel, they’ll be able to bask in the knowledge they are leaving a smaller footprint on the environment.

Easier to Maneuver and Park

For drivers who must face rush hour traffic and hard-to-find parking, the sedan is by far the more nimble and easier to drive and park than its larger cousin. Most people find the sedan is also more agile, due to being lighter. Depending on your choice of sedan, power-for-power the sedan will probably be faster than the SUV due to being lighter.

Cons of Insuring a Sedan

Many people think a larger vehicle is safer than a smaller one – and in some respects, that’s true. Due to its heavier build, an SUV can withstand some crashes better. You won’t be able to fit as much stuff or people in your sedan (is that necessarily a bad thing?), and if you need to drive on an unpaved, potholed road, your sedan may not be the best choice. And, if absolutely necessary, you could probably sleep fairly comfortably in your SUV, whereas sleeping in a sedan is guaranteed to make you feel places you never even knew you had on and in your body.

Lower Safety Ratings

According to the IIHS, people in an SUV may fare better during a wreck due to the heavier, larger size. But with all the safety features that either come standard or as add-ons, plus your driving habits, sedans can be as safe. Research your potential choices to make sure they don’t have poor safety ratings, which can impact your average rates.

Less Cargo and Passenger Space

The obvious disadvantage is less space. Less space for all the things you need on a road trip or a camping trip. Less space for the things you accumulate when you are carting children around. Less space for other people. However, this isn’t necessarily a bad thing if you are using your vehicle to get to and from work only, you are single or a couple with no children and you don’t want to use your car as a storage bin.

So, it’s all relative.

Repair Costs

As mentioned, most of today’s vehicles are too complex for the hobby mechanic. There are some basic maintenance tasks you can – and should – do yourself, if you are able. The better choice is to let a professional handle most repairs and some maintenance. Repair costs will be more expensive if there is a need for foreign parts or parts are more expensive, so shop accordingly.

Comparing Car Insurance Options for SUVs and Sedans

When you are talking about comparing auto insurance rates, it’s important to make sure you are comparing the same items across the board. In the case of SUV v sedan, ensure that you are including the same coverages, such as minimum liability only, full coverage or some combination of the two, plus other add-ons.

Liability Coverage

Liability insurance is the type of policy that almost every state requires at a minimum. It’s composed of bodily injury/death liability and property damage liability, in most cases. In at-fault states, it is considered third-party coverage, where the insurer of the at-fault driver helps to pay for the costs of the other parties. In a no-fault state, liability helps pay for your costs, regardless of who is at fault for the accident.

Collision Coverage

Collision is designed to help you pay for repairs (or replacement) of your vehicle in a collision, regardless of who is at fault.

Comprehensive Coverage

Comprehensive covers events that mostly happen when you are not necessarily behind the wheel. For example, hail damage, theft and more.

Personal Injury Protection (PIP)

Many no-fault states, and some at-fault, require drivers to carry personal injury protection as an added layer of financial help for costs associated with a wreck. This can include medical expenses, as well as child care and help around the home.

Full Coverage

Full coverage is generally understood to be a combination of liability, comprehensive and collision. No state requires full coverage, although if your vehicle is financed, you may be required by your lender to carry it.

Tips for Choosing the Right Insurance

The national average for car insurance is $1,771 annually for full coverage and $565 for the state-required minimum liability. However, every state has different requirements and factors that play a large part in costs. Some of these include:

Increased possibility of claims due to storms and wildfires

Number of uninsured and underinsured drivers

Higher than average personal injury lawsuits

When deciding what insurance is right for you, the first thing to do is find out what your state requires. From there, you can make decisions based on your personal peace of mind when behind the wheel and your budget.

Your Personal Factors

Keep in mind that auto insurance premiums are also based on a number of factors specific to you, including:

Driving record: Probably the most important factor on your policy cost is your driving history. Safer drivers get better rates.

Market value of vehicle: The higher the price to replace, the higher the premium.

Type of vehicle: Cars that have higher safety ratings, as well as cheap and easy to find parts will cost less to insure.

Age of the car: A new car comes with more advanced safety features, but an older car is cheaper to replace.

People on the policy: The ages of the drivers is important. Younger drivers, as well as older ones, will have higher costs.

Zip code: Exactly where you live, down to the zip code, plays a part since areas that have higher crime rates and accident claims will cost more.

Personal characteristics: Your personal stats will count, such as marital status (married couples get better rates than single folks), credit report (in most states, a poor credit record may end up costing on insurance, although in recent years that is falling out of favor), gender (males pay more) and others.

Your Policy

The way you structure your policy will also have a bearing on how much you pay. For example, a higher deductible will be cheaper than a low deductible. If you increase your coverage limits you can expect to pay a higher price. There are numerous discounts that most insurers offer to help you offset your cost.

Bundling: Letting the same insurer carry policies for a variety of your possessions, such as home insurance and auto insurance, can result in a great bonus.

Good Driver: If your driving history is free from claims for at least 3 -5 years, you may be able to receive a discount.

Safety Features: Features such as anti-lock brakes, anti-theft equipment and more can lead to a decrease in cost.

There are many more discounts available. Just ask your independent agent for a list.

Finding the Best Car Insurance for Your Needs

Whether SUVs, sedans or pickup trucks, every driver needs good insurance that protects them on the road at a price they can afford. At Freeway Insurance, we offer affordable options for everybody, even those with a less than perfect driving record. Give us a call at (800) 777-5620, come get a fast and free online quote or stop by one of our convenient locations.

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Guide for Dashboard Lights and What They Mean

You are driving down the road when all of a sudden you see a symbol on your dashboard light up. If this has ever happened to you, you know the sinking feeling you get when you see dashboard lights that shouldn’t be there. There’s absolutely a solution, but it’s a good idea to pull over before you frantically look through the owner’s manual to try and identify if there’s a problem.  

Modern cars have what some would say are too many systems that can all go wrong. Choosing the right car insurance protection is right up there with understanding all the lights and symbols suddenly blinking on your dashboard and when it’s OK to chill out versus take immediate action.

If you are a parent teaching your child to drive, take the time to go over the various lights and symbols so your child understands they need to pay attention when something lights up.

Warning Lights vs Indicator Lights

Your modern car is equipped with warning and indicator lights. These dashboard lights come in the form of symbols, for the most part, some of which you are familiar with and some you may have never seen before. For the most part, indicator lights are normal beacons designed to let you know your modern car’s many systems are on and functioning.  

However, warning lights and symbols may be indicative of an issue that needs your immediate attention.  

Types of Car Dashboard Symbols

As mentioned, your dashboard has the ability to signal you when things are working as they should and when something is wrong. These indicators are all part of the modern car’s safety features. Keep reading to understand the difference.

Engine Warning Lights

Since the engine is the brain and the brakes are the brawn, both of these systems have their own set of alerts and alarms to let you know when something is wrong. If there’s a problem with the engine, you may not be able to start and drive. So, let’s take a look at some of the engine warning lights.

Check Engine Light

In most cases, there’s no misunderstanding here. This is a picture of an engine, sometimes accompanied by words in all caps that read “Check Engine,” just in case you missed the hint. Drivers tend to get especially anxious when the check engine light comes on and react like their automobile is about to fall apart. And make no mistake: this is a warning light that you should attempt to understand and fix. However, it may be on for as little as a loose gas cap. Or it may be lit up and at the same time, you begin hearing terrible noises from under the hood. If this is the case, stop operating the vehicle and have it towed to a repair shop. Hopefully, it’s nothing more than a loose gas cap.

Service Engine Soon

This runs in tangent with the check engine light, but it may buy you a little time before something really awful happens. You may see the engine symbol, text that says “Service Engine Soon” or both. It typically comes on when the system senses a malfunction. Take your vehicle to the repair shop for a system check.

Engine Temperature  

This is a red symbol that looks like a thermometer floating in water and it means your engine is either overheating or on the verge of it. The engine temperature warning light is one you should never ignore. An overheated engine may result in damage that’s too extensive to repair.

Malfunction Indicator Light

Sometimes used interchangeably with the Check Engine Light, the Malfunction Indicator Light (MIL) alerts owners to problems. It may flash occasionally (possible upcoming issues), stays on constantly (could be serious, get it checked) and flashes constantly (engine is misfiring and needs immediate attention).

Reduced Power Warning

This may display as an engine with a downward arrow, indicating decreasing amounts of power. There is a myriad of reasons you may see this symbol on your dash. Since these reasons run the gamut from a system failure to not serious at all, it’s always a good idea to have a professional take a look as soon as possible. The problem could prevent the vehicle from shifting to a stop from acceleration.

Brake System

The brake system in your vehicle is arguably the most important of all since being able to stop your car’s forward progress is vital to your safety. That may be why there are numerous warning and indicator lights for the brakes. Let’s take a look at some of those and whether they are a warning or an indicator.

A red circle with dashes around the side: This is a warning that the brake pads are becoming worn and should receive attention soon.

A red circle with an exclamation point in the middle: This is a warning for an issue with the brake fluid in the master cylinder and should be addressed quickly.

A red circle with a “P” in the middle: This can be an indicator (your parking brake or handbrake is engaged and needs to be released) or there’s something wrong with the parking brake system.

The yellow letters “ABS”: This is your auto’s anti-lock brakes system. This light will briefly illuminate when you start your car (indicator), but if it remains illuminated, it indicates the system has been deactivated (warning). There are numerous reasons why this may happen, so take it in for an examination.  

Because brakes are so important, there are some last-ditch measures you can take if your anti-lock brakes fail, or you have regular brakes. Push your brake pedal to the floor and hold it there. Next, push the brake pedal a few times to try and build up hydraulic pressure.

Other Warning Lights

Your vehicle has many different systems that work together to get you down the road safely. When something goes wrong in that system – or when things are on the verge of malfunctioning – your automobile will kindly let you know. These warnings will typically come in 2 colors, red and yellow/orange.

A red warning light should never be ignored. This means your vehicle has detected a serious problem. Not only can this affect the safety of your ride, but it could also lead to something that may destroy your car – or cost more to fix than the car is worth. Here are some warning lights that you may see illuminated on your dashboard.

Transmission  

Your transmission is what enables your car to move. That’s probably why the symbol looks like a wheel with a symmetrically broken up outside and an exclamation point in the middle. Since replacing the transmission is an expensive proposition, if this lights up, you should pay attention. It could mean you have low transmission fluid, or your power steering fluid level is low. Either way, it could affect your ability to steer, so get it checked.

Oil Pressure  

If the oil in your engine has dropped to a dangerous level, you may see a symbol of an oilcan in either yellow or red. This is an immediate situation since an engine with no lubrication will quickly destroy the moving parts.

Starter System

A starter system malfunction may appear on your dash in text, and it may be due to a blown fuse or dirty contacts. However, this could also indicate problems with an ignition switch, alternator, starter motor, battery or something wrong in the fuel delivery system. In some cases, the vehicle may simply not start during the ignition process when this symbol lights up, however, in many cases, it’s simple fix.

Charging System

This looks like a yellow lit-up battery with a red background. That’s because your battery powers the electrical system, which is vital to your vehicle starting and operating correctly. This can indicate or warn that the battery may be running low and needs to be replaced or charged.

Indicator Lights

Indicators should be more familiar to you since many of them flash briefly when you start your car or remain illuminated while you use that system, such as your high beams. These tell you that the systems represented are working and in good order. Indicators can also be warnings. If they remain illuminated or change from yellow to red, it’s time to take action. Some indicators are represented in blue or green.

High Beams

This can be green or blue and resembles a headlight with 5 bars to the left that represent light rays. Remember to turn off your high beams when approaching another vehicle or coming up behind one.

Airbag System

This looks like a person sitting in a seat with a seat belt on and a large ball representing the airbag deploying in front of the passenger. If the light remains on, it indicates an issue with the airbag system that needs to be checked.

Turn Signal Indicator

Typically represented by arrows, the turn signal indicator may remain steady instead of blinking if there is a problem with your turn lights – maybe just a burned-out bulb.

Seat Belts

Modern cars come with a seat belt reminder to strap up before engaging in moving. This is a picture of a person sitting in a seat with a belt across their chest and lap. Most modern cars come with a somewhat annoying sound if you don’t buckle up! Plus, wearing your seatbelt is now the law in every state.

Parking Brake

As mentioned above, it’s a circle with a “P” in it and it turns on when the parking brake (or handbrake) is engaged.

Cruise Control Indicator

In most cases, if you see this picture of a speedometer with an arrow pointing to a certain speed, it means your cruise control system is on. In yellow or orange, it means on but not activated and in green, it means the system is in use. If it stays on even when the system is not activated, there may be an issue that needs resolving.

Electronic Stability Control

All modern cars have electronic stability control. It is designed to stop skidding and sliding in less than optimum conditions, such as ice. You may see an exclamation point in a triangle with a circular arrow around it or it may be a graphic of swerving car to indicate the traction control is in use. When there is a problem with the ESC, you could experience trouble with your steering wheel, anti-lock brakes or stability.

Safety Warning Lights

Some of your alerts are specifically focused on today’s safety standards. These features are intended to keep the driver and passengers safe while on the road or even when parked.  

Tire Pressure

The tire pressure is vital to the safety of your auto. Too little and your tires could blow, causing a suddenly out-of-control vehicle. Too much and you lose some control over steering. The tire pressure warning light is a horseshoe-shaped symbol with an exclamation point in the middle. Any number of things can affect your tire pressure, from a slow leak caused by a nail to an abrupt drop in temperature. Don’t ignore this alarm and check your tire pressure regularly. The correct PSI (pounds per inch) is located on the inside of your driver’s side door.

Door Ajar

It happens to us all. We just don’t close the door or the back all the way. The sign looks like an aerial view of a vehicle with one or more doors open.

Child Safety Lock Indicator

Different brands have different ways of illustrating this handy feature that stops little ones from opening rear doors. It may be a padlock with a child’s face in the middle.

Maintenance Reminder Lights

Newer models make it much easier to remember your regularly scheduled maintenance. You may see a maintenance required alert, a change oil reminder or a washer fluid reminder.  Other areas that may show a symbol under maintenance include coolant levels. Since topping off and changing fluids is an important part of helping your wheels to run smoothly for a long time, it’s important to follow your owner’s manual suggested maintenance intervals.

Driver Assistance Indicator Lights

It seems like every year the new models come out with increased safety measures. That’s a good thing for you and your family. Here are some of the recent features:

Lane Departure Warning Light

This handy helper not only gives you a visual cue if you are about to leave your lane suddenly, but you may also get an auditory clue.

Forward Collision Warning Light

We’ve all been driving along, fiddling with the radio, only to look up and see the rear end of the car in front of us approaching way too quickly. It’s a heart-stopper. This feature lets your ride give you an alert when the car in front of you is coming up too fast, so you can take the proper corrective action (like slowing down and stopping playing with the radio!).

Blind Spot Monitoring Light

Have you ever pulled onto the highway and suddenly there is another driver in the very lane you intended to enter? The nerve! Well, this is really on you – sometimes we just forget to manually turn our heads and look. With this safety feature, your vehicle will alert you before a rude honking sound does.

Adaptive Cruise Control Light

Just like our old friend cruise control, this lets you set the speed you want to drive at. But it goes further. It senses when traffic in front and behind slows down and speeds up, then adjusts your speed accordingly.  

Responding to Dashboard Lights

Mainly, don’t panic! If you are unfamiliar with all the symbols and warnings that come with today’s cars, you are not alone. But there are things you can, and should, do when your trusty steel steed is telling you something.

Assess the Severity

A warning or alert is indicative of a problem. Is it a serious problem that calls for immediate action or is it a problem that can wait? As you’ve learning, some warnings call for you to stop before inflicting more damage, while some give you enough time to drive to a garage.

Consulting the Owner’s Manual

Ahhh, the ever-ready owner’s manual with its sections, subsections, pictures, graphs and much more fun and enlightening materials. However, your owner’s manual is your best friend when that suspicious dashboard light glares at you.

Service

Unless you are a mechanic, you need to have a regular appointment with one. Remember, there are numerous fluids and parts that should be visited at scheduled intervals. Taking proper care of your vehicle will not only prevent dashboard light issues but will give you a trust ride through numerous years.

Recalls

Keeping an eye out for recalls is critical. Many times they come from the manufacturer in the mail. If you get one, don’t toss it in the trash no matter how insignificant it seems. Many small issues recognized early by manufacturers forestall major issues down the road. And here’s the thing. If you ignore a minor recall and later you develop a major problem, you may not be able to get that fixed for free.

You can also enter your VIN number here to check for any recalls.

Understanding the Importance of Dashboard Lights

Your modern vehicle is a marvel of technology and innovation designed to keep you safer on the roads. A large part of that is warning signs, colors and sounds. If something is wrong or needs help, your ride will let you know in most cases. But if you don’t pay attention, you may be facing some large repair bills or worse, safety issues, down the road.

Regular maintenance and paying attention are the keys to a long and happy life with your car.

Affordable Car Insurance is Another Key Safety Factor

Don’t forget when you are thinking about car safety to think about low-cost auto coverage. At Freeway Insurance, we can help you find the policy that provides the right amount of protection at a price you can afford. You can get a free auto insurance quote online, give us a call at (800) 777-5620 or stop by one of our convenient locations.

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Keeping Your Car Interior Clean with Messy Kids

You probably want the relationship between messy kids and your clean car to be better… luckily it can be! We know how it starts though: after that first half-eaten raisin bounces from their mouths to the cup holders to the dirt on your floor mats, things start to get unclean pretty fast. Before you know it, there’s water sloshing around the center console and sticky-fingered children spinning around in their seats to make handprints no DIY or professional wash can resolve.

We’re here to tell you that there are ways to keep the interior fresh, safe (even safer when you have car insurance) and clutter-free. The trick is this: you have to be prepared by organizing, stocking cleaning resources, and even to go so far as creating a “clean culture” (more on this later!) to give your vehicle the best chance of surviving the trail young people can leave behind.

You and your fellow auto owners can be ready to change the clean-car-meets-messy-kids dynamic. The following tips range from spills to empathy as you preserve the interior of your car.

Have a Place for Everything

As a parent, you likely spend a lot of time trying to get your kids to not do something poorly… did you know you can re-route that behavior by empowering them to do something else well?

Giving items you are packing – such as travel games, wet wipes, tools, and snacks – a place or box to live in can encourage children to put them back where they belong. For instance, according to The American Academy of Child and Adolescent Psychiatry, research suggests including chores in a child’s routine as early as age three can be beneficial.

Now, let’s explore exactly what goes where!

1. Car Organizers

Organizers are  containers, compartments, or dividers that separate the inside of your automobile into more manageable sections. For example, use storage bags to hang behind your seats.  You can organize items such as snacks, books, and toys (plus, they are easy to reach when kids are buckled up in the back). Keeping your kids entertained by having their favorite items accessible.  

You can keep the vehicle’s interior clean simply by having a  plastic bag for trash and a cloth bag for dirty shoes.  By having organizers on hand, you’ll have more control over keeping your car – and kids! – tidy.

2. Keep Loose Change Organized

Loose change is just one of many things that can create a chaotic look in your automobile. Depending on your child’s age, it can also be a choking hazard. Keep coins  in a central location such as  a little purse or a box with a latch inside your glove compartment. That way, all your money can stay in one spot and is reachable when you pass through tolls or a drive-thru  (no more searching around the door panels and in the front seats for that extra 25 cents).

3. Keep Food Sealed

First, it is important to mention that food can easily go bad when exposed to hot temperatures. That said, with kids you may opt for more enduring snack options, such as crackers, which need to be sealed. You can seal food with Tupperware, beeswax food wraps, or even in their original packaging with little clasps to close it.

Sealing food keeps treats fresh and it also sends the message to your children that there is a time and place to eat. If food is left out in the open, kids are more likely to just keep eating it as well as not notice if a particular food has gone stale. Don’t let old food become part of the clutter but do make room for healthy, properly sealed snacks.

If you decide to keep food in your ride, we also recommend having water bottles to stay hydrated, too. And, to avoid the losing battle of snack crumbs gone wrong, go ahead and keep paper towels and a mini vacuum cleaner nearby as well.

Things You Must Have in Your Car

At this point, we’ve walked you through things you could have, but now we’re getting to the really good part of things you must have. These must-haves are for any parent of messy kids who are ready to end their dirty streak once and for all.

·         Trash Can

When you don’t have a designated trash can, your entire vehicle becomes one big receptacle. It may start out as dust, but your misplaced trash collection will soon include an old toothbrush, old sock, and used baby wipes without a trash can in sight. That said, our favorite vehicle-friendly trash cans have lids. Another way to really boost the success of trash cans is to empty them after each ride… yes, we do mean every single time. Trash has no place in your beautiful, clean car and by maintaining a trash can you also let your children know that this is a trash-free zone.

·         Silicone Cupcake Liners

Silicone cupcake liners work best when you use them to line your cup holders. Instead of allowing liquid and small things you drop to be forever lost in the area your cup should be, place the silicone cupcake liners there as both a protective barrier and a glove mitt. Silicone cupcake liners also come in wonderful colors that you can match to other major colors in your automobile.

·         Handheld Vacuum

Nowadays they make small-but-mighty handheld vacuums specifically designed for your car! Not only do they have various attachments to reach tough areas, they also have their own little USB charging cords that fit right into the charging ports of your vehicle. The only thing handheld vacuums can’t really solve are stains, pet hair, and mold, but we have ideas for those too, such as cleaning supplies and a lint roller.

·         Glove Compartment Essentials

Speaking of getting things cleaner and cleaner while teaching your children to stay organized at the same time, dedicating the glove compartment to special cleaning items is a win-win for both parties. Here are the essentials we know you’ll be thankful to have year-round:

Stash of napkins or rags

Antibacterial wipes or other cleaning products

Hand sanitizer

Swiffer duster

A mini expanding file to sort papers

Create a Routine

Now that you have all you and your children need to keep the interior clean and organized, incorporating positive routines is the best way to reinforce the idea that your automobile isn’t a place for big messes. While you may not become detailers in one day, these new habits will keep your vehicle in good condition.

·         Clean Messes up Right Away

As soon as a mess of any kind happens – if you can find a safe place to pull over – you can use clean water, a foam brush or sponge, and a microfiber towel to help clean up. Making a habit of cleaning messes immediately can also help to discourage behavior that leads to making messes because your kids will see how much time and effort then goes into the removing of debris and grime.

·         Whatever You Bring In, You Must Also Bring Out

You may have heard the phrase “leave no trace” and it applies here as well: either take out the same items you bring into the vehicle and/or take out as many items as you bring in. Either way – create an even exchange of objects so that your auto doesn’t carry too many. The best part about bringing out whatever you bring in is that you can continue to empower your kids by kindly asking them to help you. Before long, don’t be surprised if you hear one of them say, “Is there anything I can bring home from the car today?”

·         Clean Your Shoes Before Stepping in the Car

Nothing can undo an expensive interior cleaning job like dirty shoes. With children especially, you may find shoe prints anywhere from formerly clean seats to hard surfaces! Take a few moments before entering the automobile to wipe down shoes (or remove child shoes entirely and place them into a simple plastic bag during the drive).

·         Shake Out Floor Mats Often

As an extra special tip, try shaking out your floor mats every time you exit your ride. With kids, it may be a bit difficult to do this in the back of the car or back seat each time, but at the very least, the front is possible.

·         Set Reminders to Maintain Your System

We know that being a busy parent can turn a well-intentioned cleaning routine into more stress, and that is why you should set reminders to maintain your system so that – over time – the new system becomes as natural as breathing. As your kids continue to witness your attempts at cleanliness, they will inherit those habits as well. In no time at all, you will be an entire family devoted to less messes and more fun drives.

Model It

There are many ways to show others – especially children – how to keep things neat in the car, but nothing compares to actually showing them!

Stop Using Your Car as Storage

We’ve helped bring to light a lot about tough stains, trash, organizing, and so on, but what we really want to add is this: stop storing bigger items in your ride! Bigger items can add weight, which will translate into using more gas. Beyond that, bigger items can get in the way of the space necessary to keep your kids safe inside. The easiest way to stop using your ride as storage is to create a separate storage space where anything you need to store can reside.

Encourage Positive Communication

At the end of the day, your car will be at its cleanest – yes, even with kids! – when you encourage positive communication about what it means to be clean, how to do it, and why it matters. For instance, educate your children on the concept that cleanliness means no food or trash thrown about, achieving that by using the trash bin and storing their snacks the right way, and that it matters because less time cleaning means more time having fun. You can even offer examples of having more fun in the automobile, such as listening to their favorite songs!

Offer choices

If you’re still having trouble keeping your automobile clean with messy kids, remember that empowerment will always prevail over punishment. Giving your child the choice to lint roll the seats or wipe the dashboard once per week is an easier way to get them to do at least one of those tasks willingly. If there is a certain messy behavior you wish to curb, take a moment to think about how you can frame it as a choice for your child.

Empathize

Finally, always keep in mind it can be really hard – even for adults – to keep things clean. There is always a chance that dirt and other things will be left behind after a drive, especially if you use it a lot and traverse different terrains. Practicing empathy and a level of grace when it comes to keeping your vehicle neat and tidy with messy kids will keep a positive energy around the act of cleaning, encouraging more and more of it over time.

Get Affordable Insurance Online for Your Clean Car and Less Messy Kids

Now that you’re feeling inspired to keep it clean with kids, be sure to secure affordable insurance from Freeway Insurance today. Get a fast and free quote online, give us a call at (800) 777-5620 or stop by one of our convenient locations.

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How Public Social Media Posts Affect Your Insurance Claims

While every day may seem like Social Media Day to some people, there is an actual Social Media Day. Mashable launched this annual “holiday” in 2010, and June 30 every year is a good time for businesses and regular people to reflect on how they use social media. For example, did you know that your public social media posts could be affecting your auto insurance claims? It’s true – and here’s why.

The Hidden Risks of Sharing on Social Media During a Claim

Social media sites are a great way to stay connected with family and friends and share various aspects of our personal lives. However, online oversharing on social media can be a slippery slope, especially if you’re involved in a claim with an insurance company. It’s essential to keep in mind that insurance companies may use your public social media posts to investigate claims, and sharing too much information can have serious consequences.

While it may seem harmless to post pictures of your recent vacation or announce your travel plans, it’s important to remember that such posts can signal to strangers that your home may be empty. Moreover, sensitive information such as mental health issues, personal details, and private information should be avoided as they may be used against you. Insurance investigators can also use public social media platforms to analyze timelines and check the accuracy of the information you provide.

Sharing too much information can also lead to denying your claim. For example, if you exaggerate your claim, post contradictory information or admit fault on social media, this could hurt your credibility and reduce or deny your claim. It’s essential to be cautious about what you share on social media, especially during a claim.

While it’s a good idea to stay connected with friends and family through social media, it’s crucial to keep privacy and to be mindful of the information you post online. Before posting anything on social media, consider who has access to it and whether it could potentially harm your claim. Remember, the internet is not a private space, and the things you post can be used against you.

Let’s review 4 hidden risks associated with sharing on social media accounts during a claim, which can include exaggerating claims, sharing too much information, admitting fault, and contradicting testimony.

1. Exaggerating Claims

If someone says he got injured in a car accident and needs to wear a neck brace, insurance companies look into such claims. And what happens when an insurance investigator discovers social media photos of this person a few days after the accident, with the evidence showing no neck brace and participation in an activity such as bicycling? Very possibly the claim will be denied. Insurance investigators may also use public social media posts to analyze timelines, for example, to check that someone was where she said at a certain time. If you said you went to the hospital after an accident, but a public social media post shows that you checked into a restaurant for lunch first, that could raise some eyebrows. Insurance companies may also see you as withholding personal information on purpose.

2. Sharing Too Much Information

Many people do not give a second thought to announcing their travel plans; after all, it’s exciting to share the great news that you are headed for the beach for a week of fun. However, such posts are a signal to potential thieves that your house could be empty for a few days. If a break-in occurs, your insurance company might not cover your claim, saying that you invited the risk by posting your travel plans publicly on social media.

Check the fine print on your insurance papers, and see if it says anything about using reasonable care to protect your possessions and your home. This principle may also apply to posts about expensive purchases you have made and location check-ins that show you are several hours from home.

3. Admitting Fault

Posting on social media after an accident or incident can potentially harm your claim by admitting fault. For example, if you post about a car accident that you were involved in, and you admit to being distracted at the time, this could be used against you when it comes to filing a claim. Insurance companies may see this as a confession of fault, and your claim may be denied or reduced.

4. Contradicting Testimony

If you make public posts on social media that contradict your testimony during a claim, it could raise suspicions and harm your credibility. For instance, if you claim to be physically injured and unable to work, but you post photos of yourself participating in physically demanding activities, such as playing sports or lifting heavy objects, this could contradict your claim and lead to a denial of benefits. Insurance companies may use your social media activity to discredit your testimony and reduce or deny your claim.

Prevention Tips

When it comes to social media, oversharing can have consequences beyond insurance claims. It can also put you at risk of identity theft or even harm your job prospects. Therefore, it’s important to take steps to protect your privacy and security online.

Here are some tips to consider:

Avoid making public posts that reveal personal information about yourself or others.

Use a strong password to protect your social media accounts and consider using two-factor authentication.

Be mindful of the information you share, especially if you are a parent or have children who use social media.

Think about how your social media activity might affect your current or future employers, and adjust your behavior accordingly.

Be cautious when taking surveys or quizzes on social media, as they may collect personal information that could be used for identity theft.

Educate yourself and your family members on best practices for staying safe online, including avoiding clicking on suspicious links or sharing sensitive information.

Remember, the internet is a public space, and what you post can have lasting consequences. By taking steps to protect your privacy and security, you can enjoy the benefits of social media while minimizing the risks.

Don’t Let Social Media Sabotage Your Insurance Claims

Insurance company employees should not friend you on Facebook or other social platforms, but simply switching your post settings from public to something like friends only will not be sufficient. You still need to follow the tips above because it is possible for someone to see a post you have made and to share it with the insurance company.  

There are other ways for posts, accurate or inaccurate, misleading or not, to be misinterpreted by a wide range of people. When in doubt, always be upfront with your insurance company. It is best to not take any risks to keep your auto insurance rates and other insurance rates down.

Are you looking for the best insurance rates? Contact Freeway Insurance today at 855-710-9041 or start car insurance quotes online.

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Understanding What Happens When You Crash Into A Cow

When it comes to auto accident scenarios, most are easy to explain and pointing the finger at the responsible party is fairly cut and dry. After all, the other driver ran a stop sign, changed lanes without looking, or maybe he was driving under the influence. But, what if your accident scenario defies any simple explanation and you’ve got to inform your auto insurance company you crashed into a cow? Who pays for the damage to your car – and the cow’s injuries if it survives?

Understanding What Happens When a Cow is Hit By a Car

First of all, there’s nothing funny about crashing a two-ton automobile into a 1,500 pound animal. Nothing good ever comes of it – and it happens more often than people think.

Similar to crashing into a deer, because of its sheer weight and mass, livestock can cause extensive damage to your vehicle and result in serious injuries for the driver and passengers alike. However, unlike a run-in with a wild deer, the cow you hit undoubtedly has an owner. And, here’s where things can get complicated.

Cows are very valuable – which leads to the question – are you on the hook for the loss of the cow? Is the cow’s owner on the hook for the damage to your car? Will your insurance company cover the losses?

The answers depend on a number of different factors, including the laws of the state where the accident occurred and the specifics of your auto insurance policy. Accidents with animals, big and small, are covered under the comprehensive portion of your policy..

This is optional coverage with a deductible of varying amounts – so, understanding what type of insurance and the amount of coverage you have before you get into an accident of this type is important.

Legal Definitions of Livestock and Their Classification

Livestock is a term used to refer to animals that are raised or kept for commercial purposes, including food production, fiber production, and work purposes. The legal definition of livestock varies from country to country and may also vary based on the context in which the term is used. In the United States, for example, livestock is defined as any cattle, sheep, goats, swine, poultry, or equine animal that is used for commercial purposes. The definition also includes other animals that may be used for commercial purposes, such as llamas, alpacas, and buffalo. The definition of livestock may also vary based on the state, with some states having specific definitions for certain types of animals.

Livestock can be classified into various categories based on their purpose or characteristics. The most common classifications of livestock include beef cattle, dairy cattle, swine, poultry, and sheep and goats. Beef cattle are raised primarily for meat production, while dairy cattle are raised for milk production. Swine, on the other hand, are raised for meat production, and poultry, such as chickens and turkeys, are raised for both meat and egg production. Sheep and goats are raised for both meat and fiber production. Livestock can also be classified based on their breed, size, and age, as well as their function within the commercial industry, such as breeding, feeding, or transportation. Understanding the legal definitions and classifications of livestock is essential for individuals involved in the commercial production and trade of these animals.

Explanation of Liability in Car Accidents Involving Livestock

Liability in car accidents involving livestock refers to the legal responsibility that the driver of the vehicle has in case of a collision with an animal on the road. Generally, the driver is liable for the damages caused to their own vehicle and any injuries or damages to other individuals involved in the accident. However, in cases where the collision involves livestock, the owner of the animal may also be held responsible for any damages or injuries caused by their animal.

When it comes to insurance coverage for car accidents involving livestock, Freeway Insurance may provide coverage for the driver’s liability for damages or injuries caused to other individuals involved in the accident. However, the coverage may vary depending on the specific terms and conditions of the policy. Some policies may also provide coverage for the driver’s own vehicle damages, depending on the circumstances of the accident and the policy’s coverage limits.

It is important for drivers to be aware of the risks involved in driving on roads where livestock may be present and to take necessary precautions to avoid collisions. This may include driving at a slower speed, paying close attention to signs and warnings about animal crossings, and being prepared to take evasive action if necessary. Additionally, drivers should review their insurance policies to understand the extent of their coverage in the event of an accident involving livestock on the freeway.

Laws and Regulations Pertaining to Car Accidents Involving Livestock

When it comes to car accidents involving livestock, there are a number of laws and regulations in place to protect both the animals and the drivers involved. Depending on the state or country, these regulations may differ in their specific details, but in general, they aim to prevent such accidents from occurring in the first place, and to provide clear guidance for what to do in the event of an accident. For example, some states may require farmers to fence in their livestock or to provide warning signs near roads where animals are likely to be present. Additionally, drivers may be required to exercise extra caution when driving in areas where livestock are known to roam freely, and to follow specific procedures if they do hit an animal with their vehicle. These may include notifying the authorities, checking on the animal’s condition, and rendering aid if possible.

Despite these regulations, however, accidents involving livestock still occur with alarming frequency, and can be extremely dangerous for both humans and animals. In addition to the potential for serious injury or death, there may also be legal and financial consequences for those involved, including liability for damages to the animal or property, as well as potential criminal charges for failing to comply with applicable regulations. For this reason, it is important for both farmers and drivers to be aware of the laws and regulations in their area, and to take all necessary precautions to prevent accidents from occurring. This may include installing additional fencing or warning signs, limiting livestock grazing near busy roads, and following safe driving practices such as reducing speed and remaining vigilant for potential hazards. By working together to promote safety and responsibility, we can help reduce the risk of accidents involving livestock and protect the well-being of all involved.

Factors Determining Liability

Role of the Owner of the Livestock in the Accident

The role of the owner of livestock in an accident involving their animals is crucial. Livestock owners have a responsibility to ensure that their animals are properly contained and controlled to prevent them from causing harm or damage. If an accident occurs as a result of a livestock owner’s negligence, such as failing to adequately fence their animals, they can be held liable for any injuries or damages that occur. It is important for livestock owners to understand their legal obligations and take appropriate measures to prevent accidents from happening. This may include regularly inspecting fencing and enclosures, properly training and handling their animals, and promptly addressing any potential safety hazards.

Safety Measures to Take While Driving in Areas With Livestock

Driving in areas with livestock can be a unique challenge that requires drivers to take extra safety measures to avoid accidents. First and foremost, it is important to slow down and stay alert while driving through areas with livestock. Livestock can be unpredictable, and sudden movements or sounds from a vehicle can startle them, causing them to run into the road. It is also essential to maintain a safe following distance from the livestock, giving them plenty of space to move around without endangering the driver or passengers. Additionally, drivers should always obey posted speed limits and watch for signs indicating the presence of livestock. By taking these safety measures, drivers can help ensure a safe and uneventful journey through areas with livestock.

Importance of Being Aware of the Liability and Legal Consequences of Hitting Livestock While Driving

Being aware of the liability and legal consequences of hitting livestock while driving is essential for any driver who frequently travels through rural areas. Livestock such as cows, horses, and sheep can suddenly appear on the road, and hitting them can cause significant damage to both the animal and the vehicle. In addition, drivers may face serious legal consequences for hitting livestock, including fines, license suspension, and even criminal charges in cases of negligence or reckless driving. Being aware of these risks can help drivers take appropriate precautions, such as driving at a safe speed, staying alert, and avoiding distractions, to reduce the likelihood of hitting livestock and to protect themselves and others from harm.

The Importance of Comprehensive Coverage in Case You Hit a Cow With Your Car

Comprehensive coverage is an essential component of car insurance that can provide financial protection in case of unexpected events, such as hitting a cow on the road. This type of coverage goes beyond the minimum liability coverage required by law and covers damage to your vehicle caused by various factors, including collisions with animals. Without comprehensive coverage, the cost of repairing or replacing your car could be significant, and you may be left with a financial burden that could have been avoided. Freeway insurance is one provider that offers comprehensive coverage as part of its policies, ensuring that you have the necessary protection and peace of mind on the road.

Don’t assume this type of accident will never happen to you. If you currently don’t have comprehensive car insurance on your policy, get a free car insurance quote from Freeway Insurance. Call today at (800) 777-5620.

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Should I File an Auto Insurance Claim?

So you’ve had a minor accident. It happens to most of us, sooner or later. You might be a bit shaken up and wondering what to do next. Your first priority, of course, is making sure everyone involved is okay. If there are other drivers, be sure to exchange auto insurance information, whether or not you think it’s necessary. The next step is to take photos of damage to all vehicles involved, the scene of the accident, and any property damage. Now you’re probably asking yourself, “Should I file an auto insurance claim?”

When Not To File An Auto Insurance Claim

There are certain situations when it may not be advisable to file an auto insurance claim. For example, if the cost of the damages is lower than your deductible, it may not be worth it to file a claim as you would end up paying for the damages out of pocket anyway. Additionally, if you have a minor accident that only causes cosmetic damage, it may be more cost-effective to pay for the repairs yourself rather than filing a claim and potentially having your premiums increase. Freeway Insurance, a popular auto insurance provider, offers a range of coverage options to help protect you financially in case of an accident or other unforeseen events on the road. They also have knowledgeable agents who can help you determine the best course of action in situations when filing a claim may not be the best option.

Situations When Not to File An Auto Insurance Claim

1. Minor accidents with no injuries or significant damage

In certain situations, it may be wise not to file an auto insurance claim, especially when the accident is minor and there are no injuries or significant damage involved. Filing a claim for a small dent or scratch that costs less than your deductible to fix could result in a higher premium or even a loss of your no-claims bonus. Additionally, if the accident was caused by your own mistake, you may want to consider paying for the repairs out of pocket rather than submitting a claim. It’s essential to weigh the pros and cons of filing an auto insurance claim before doing so, as it can impact your future coverage and rates.

2. When the cost of repairs is less than the deductible

There are situations when it may not be wise to file an auto insurance claim, and one of those is when the cost of repairs is less than the deductible. In such cases, it may be more cost-effective to pay for the repairs out of pocket rather than filing a claim. This is because filing a claim for a minor repair can cause your insurance premium to increase in the future, which can end up costing you more in the long run. Additionally, filing a claim for a small amount can also affect your claims history, making it harder to get affordable coverage in the future. It is important to consider these factors and weigh the cost of repairs against your deductible before deciding whether to file a claim or not.

3. When the at-fault driver is willing to pay for damages out of pocket

In such cases, filing a claim may result in a higher premium, which could end up costing more in the long run than the damages incurred. Additionally, filing a claim may not be necessary if the damages are minor and the cost of repairs falls within the deductible amount. However, it is important to ensure that the at-fault driver provides adequate compensation for the damages and to obtain a written agreement stating the terms of the payment. It’s also important to keep in mind that if there is any uncertainty about the extent of the damages or if there are any injuries, it is always better to file a claim and let the insurance company handle the situation.  

4. When the accident was caused by the policyholder’s negligence

Filing a claim in such circumstances may lead to an increase in the policyholder’s insurance premiums or even the cancellation of their policy altogether. Moreover, if the cost of the damages is relatively low, it may be more cost-effective for the policyholder to pay for the repairs out of pocket rather than involving their insurance company. However, if there were other parties involved in the accident or if there were injuries sustained, it may be necessary to file a claim even if the policyholder was at fault. Ultimately, it is essential to weigh the potential benefits and drawbacks before deciding whether or not to file an auto insurance claim in any given situation.

5. When the policyholder’s insurance rates may increase significantly due to filing a claim

For example, if the damage to the car is minor and the repair cost is close to or less than the policyholder’s deductible, it may be more cost-effective to pay for the repairs out of pocket rather than filing a claim. Additionally, if the policyholder has a history of filing claims, they may want to consider the potential long-term impact on their insurance rates before filing another claim. In some cases, it may be more beneficial to pay for the damages without involving the insurance company to avoid any increase in premiums. Ultimately, the decision of whether or not to file an insurance claim will depend on the specific circumstances of the situation, and policyholders should carefully weigh the costs and benefits before making a decision.

A not uncommon occurrence with fender-benders is for the drivers to work out a cash arrangement and avoid insurance companies entirely. While this can work out fine, it is risky and generally not recommended. Say you rear-ended someone and from all appearances there is only minor damage that you can pay for out-of-pocket. But then a few days later, the other driver discovers more damage or realizes she is injured – being sued is now a real possibility. You are better off reporting the accident to your insurance company right away.

When to File a Claim

While no one wants their rates to go up, you have an insurance policy for a reason and there are times you should use it. Below are some examples:

Another vehicle was involved – You will not always be aware of the extent of the damage or how much it will cost to fix. There could also be injuries that are not obvious at the time of the accident. File a claim any time there’s another driver involved.

There are injuries – Generally, if you’re hurt, you should file a claim. If others are hurt, report it to your insurer immediately to protect yourself from lawsuits.

Your policy includes “accident forgiveness” – This is offered by some companies, and if it’s part of your policy, your rates won’t go up for an accident. Just know that if you use this benefit for a minor accident, you won’t have it available if you get into something more serious later.

The Claims Process

Filing auto insurance claims is something no one looks forward to, but when it’s time, it helps to know a bit about the insurance claim process. Your first step will be to contact your insurer or insurance agent and provide any information you’re asked for. Any photos or other documentation you have should be provided as well, as it can greatly assist in claims processing.

A claims adjuster will then investigate the accident to determine who’s at fault and how much you will receive. That includes looking over your car to determine the cost for repairs. Then you’ll take your vehicle to get it repaired at the repair shop of your choice, and the insurance company will either pay you or pay the shop directly.

Accident claims are an unfortunate part of life for many drivers, but hopefully they are a rare occurrence for you. Knowing when you don’t need to file them and when you absolutely should will ensure that you don’t get hit with rate increases when you didn’t need to, and protect your bank account when you do have a claim.

How To Choose The Correct Type Of Insurance

Freeway Insurance offers a variety of insurance options for drivers, including liability, collision, and comprehensive coverage. Liability insurance provides coverage for damages or injuries caused by the insured driver to other people or their property. Collision insurance covers the cost of repairs or replacement of the insured vehicle in the event of an accident with another vehicle or object. Comprehensive insurance covers damage to the insured vehicle caused by factors such as theft, vandalism, or natural disasters.

There are some situations when it may not be necessary to file an auto insurance claim. For instance, if the cost of repairs is lower than the deductible, it may be more cost-effective to pay for the repairs out of pocket. Additionally, if the damage is minor and doesn’t affect the safety or functionality of the vehicle, filing a claim may not be necessary. In some cases, it may also be beneficial to avoid filing a claim if it would result in a significant increase in insurance premiums. Ultimately, it’s important to weigh the potential benefits and drawbacks of filing an insurance claim before making a decision.

Importance of Choosing a Reputable Insurance Provider like Freeway Insurance

Choosing a reputable insurance provider like Freeway Insurance is crucial, especially when you find yourself in a situation where you’re unsure whether or not to file an auto insurance claim. A reputable insurance provider will have knowledgeable and helpful staff who can guide you through the decision-making process, explaining the benefits and drawbacks of filing a claim. They can also advise you on the potential impact on your insurance premiums and deductibles. By choosing a reputable insurance provider, you can be confident that you’ll receive accurate and reliable information to help you make an informed decision, ultimately saving you time and money in the long run.

Are you overpaying for auto insurance? Get a free auto insurance quote online or over the phone at 800-777-5620 and find out how much you can save by switching to Freeway Insurance. Freeway lets you compare rates from multiple auto insurance companies to help you find the best coverage at the best price. You can visit any of our locations and our experts will help you!

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What Happened to the VW Bus? Is It Coming Back?

Actually, nothing happened to the VW bus. It just became less popular, temporarily, in the United States. And yes, it is coming back in a big way!

After the 1970s, the U.S. shut down VW bus manufacturing since the popular van was no longer was able to meet new safety and emissions standards. Production continued in Brazil, however, until 2014, when Brazil enacted new standards that the current model of the bus couldn’t meet. When that happened, the German production factory shut down its production after 63 years – the longest running time of any vehicle ever.

Now, many people are excited to learn the Volkswagen Bus is coming back next year, in 2024 – as the ID. Buzz (yes, that is its name!). It’s electric, eclectic and brings back a hint of the hippie movement psychedelic nostalgia with its neon colors: tangerine, lime, grape and more. Volkswagen is hoping to once again earn the respect and admiration of a new generation of car buyers.

One reason the VW bus became obsolete was its failing safety measures. No matter what you choose to drive, being safely prepared for the road by purchasing affordable car insurance will ensure your favorite vehicle never goes out of style.

The Peculiar History of the VW Bus

Although many people in the U.S. think of the iconic Volkswagen bus as the original hippie van from the 1960s, it has a different association in Europe, where it was born in Germany in the 1940s. Colloquially called the VW Bus in America and the VW Camper in the UK, the Volkswagen bus was modeled after the German Plattenwagen, a vehicle originally made to carry car parts. Dutch businessman, race car driver, winemaker and Olympian Ben Pon, always looking for something new and already selling the hugely popular VW Beetle in the United States, saw the Plattenwagen during a tour of the Volkswagen plant in West Germany one day and the lightbulb went off.

The Beetle paved the way for what was known then as the VW Transporter, later called the Volkswagen Microbus and then, in later years, the Bus. In the 1950s when the Transporter hit the market, buyers could choose from 8 different models, all designed to answer a specific need. Today, there are more than 15 variations of the Transporter (or T models) on the market.

For example, the Kombi VW bus featured removable rear seats so consumers could use the van to carry cargo (and people). A variety of side windows options also made an appearance during these days, with a low-end version offering 11-15 windows spaced around the van and high-end versions offering 23-window VW buses. Early models carried a hard to clean split front windshield, earning it one of many nicknames, “the Splitty.” Volkswagen did away with this unpopular feature, creating a solid front windshield.

In Europe, families and friends used the popular bus for camping trips, as did Americans, who also plastered peace signs all over it and drove it to see Jerry Garcia and the Grateful Dead. Europeans turned it into an ambulance, and everyone used its large interior for deliveries and carting stuff around.

In the 1960s, things began to turn around in the U.S. market when people became more concerned with vehicle safety and emissions – and something known as the chicken tax.

Chicken Tax

The Chicken War started when American farmers adopted poultry factory farming practices in the 1950s. Soon, chicken was being exported to Europe in mind-boggling numbers – which didn’t sit well with German farmers. Feathers flew and, as a result, high tariffs were implemented on imported chicken in Europe.

In America, the United Auto Workers were threatening a strike over the importing of the popular Volkswagen Type 2 pickup truck.

In response to both of the above, President Johnson imposed a 25% tax on imported light trucks. Called the Chicken Tax, it’s still in effect today. The effect on the Volkswagen is, in order to avoid the Chicken Tax, the vehicle cannot be sold as a truck or any kind of commercial vehicle.

Today’s Volkswagen Bus

Today, three different iterations of the VW bus are on the production line at a plant in Hanover, Germany. The model year T6 continues to be built with a van platform but is ceasing production with the new ID. Buzz. This is its last year. The T7 is a medium-sized Transporter with a large cargo area marketed as a plug-in hybrid. And the newest member of this family of unconventional members is the Buzz, due in the U.S. in 2024.

In Europe, the electric Buzz rolled into the market in 2022 and found new categories to master, including as a police car, a school bus, a postal truck and much more. But in America, the Buzz will never climb to the exalted ranks of a service vehicle. The chicken tax took care of that. It will always be a passenger van on these shores.

The Buzz About the Buzz

Let’s talk specifics about this new van that’s supposed to bring us all back to the days of concerts, tie-dye and peace signs. Of course, it is electric. But what other changes will we see?

Appearance: Some people think the new Buzz looks similar to the old Scooby-Doo van. Others think it looks like what might happen if a modern minivan had a baby with a sleek sports car. It certainly no longer has the goofy smile of the old VW Bus. Some people say it looks like an angry cousin.

Mechanics: It’s no longer necessary to carry around the “How to Fix Your Volkswagen for the Complete Idiot” and 3 wrenches. The downside is that a paper clip and a rubber band won’t fix the rear engine until you can get it to a shop. And, gasp, it comes in automatic transmission, too. Staying on top of maintenance will get you further.

Noise and Driving: If you’ve ever driven or ridden in an older VW Microbus, you already know how noisy it was, with bone-jarring shakes and rattles. It may – or may not – make it up that steep hill in the mountains of Colorado. Perhaps try reverse to make it up? Today’s version will have up to 201 horsepower (the original had an HP of two digits). It’s supposed to be much easier to maneuver. You’ve got to wonder if they took out all the fun!

Smart Car: You probably won’t consider the new Buzz as you did its distant little brother or sister. In the 60s, the bus was considered a valuable and friendly member of the family. The Buzz is more like the rather stern computer Hal in “2001: A Space Odyssey” (except for the part where Hal goes crazy and murders the crew). That won’t happen with Buzz, but it may stop you from switching lanes without signaling or flashing colors at you if there’s an obstruction in the road.

Overall, VW is banking on the new trend for electrical vehicles to help it become the world player it once was with the Beetle and the original VW bus in decades past. And although it may cost quite a bit more than the original ($1,800 vs $40,000), there are still fans clamoring to get a piece of yesterday for today.

Protect Your Vehicle Investment with Freeway Insurance

Whether you choose to drive a new electric VW Buzz or you are thrilled to get your hands on the iconic 60s version, having the right auto insurance can help you protect your ride and yourself. At Freeway Insurance, we can find affordable insurance that meets your budget and your needs. To get started, get a quick online quote, give us a call at (800) 777-5620 or stop by one of our convenient locations.

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6 Ways to Prevent Drinking and Driving

Drinking and driving is a dangerous and potentially deadly combination that can result in devastating consequences for both the driver and other innocent individuals on the road. The good news is that there are numerous effective ways to prevent drinking and driving and avoid the negative outcomes that can result from this dangerous behavior. One key preventative measure is to secure the right insurance coverage, such as that offered by Freeway Insurance, which can help protect drivers and their passengers from financial losses in the event of an accident. In this article, we will explore some of the most effective strategies for preventing drinking and driving and discuss how Freeway Insurance can provide added peace of mind for drivers.

6 Ways to Prevent Drinking and Driving

Individually, you can pledge to never drink and drive. You can also play a role in stopping others from drinking and driving if you are having guests over to your home. If you are out for a night of fun and you notice that someone in your group is too drunk to drive, there are some steps you can take. In the end, all of us can play a part in stopping the alarming statistics surrounding driving while impaired.

Driving drunk is a serious problem. Any time you drive intoxicated, you risk your freedom. Being convicted of DUI/DWI can result in jail time, losing your license, fines, and higher car insurance rates. More important, though, are the safety risks. We all know how dangerous drinking and driving can be, yet drunk driving accidents remain common – the National Highway Traffic Safety Administration (NHTSA) estimates that in 2020, 11,654 people died in alcohol-impaired crashes. That’s one person every 45 minutes.

Statistics like these make it clear that all of us need to do our part when it comes to drinking and driving prevention. So what can we do to ensure that we and our loved ones stay safe during celebrations? If you drive while intoxicated or under the influence, you’ll be spending a large portion of your salary every month on DUI car insurance. Once you are labeled a high-risk driver, it is much harder to find insurance companies that offer DUI solution coverage.

Here are 5 ways each of us can make an impact on stopping drunk driving.

1. Plan Ahead

When you’re out enjoying a few drinks with friends, it’s easy to tell yourself that you feel ok to drive. Unfortunately, even after just one or two, you are not in the best position to judge. Alcohol impairs normal judgment, so trusting yourself to make smart choices when you’ve been drinking is a recipe for problems. Even though you feel ok, those couple of drinks are enough to affect your driving. Impaired driving is always dangerous, even if you don’t think you’re drunk.

The best way to prevent this type of problem is to plan how you’ll get home before you go out. Instead of relying on your own questionable judgment, keep yourself safe by having a plan. That could mean walking home, taking a cab, or getting a ride with a non-drinking friend. If you’ve already decided how you’ll get home, you won’t be as tempted to drive later.

2. Have a Designated Driver

One of the most common choices to avoid the temptation of drinking and driving is to have a sober driver. This doesn’t mean a driver who drinks less than the passengers; it means someone who will not drink at all. If you have friends who don’t drink, they are often your best choice. Another option is to take turns being the designated driver among your group of friends. Regardless, if your planned driver decides to drink, find a new driver or call a taxi or rideshare. Having a designated driver is one of the most effective ways to prevent drinking and driving.

3. Use a Ride Sharing Service or a Taxi

If you don’t have a designated driver, this is your next best option. Services like Uber and Lyft have made it easy to get a ride whenever you need one. If you live in a city with good taxi service, it should be easy to flag down a cab. There is very little excuse for driving intoxicated when these options are available.

In many states, getting convicted of DUI means filing an SR-22 certificate with the state. Insurance companies know that anyone who has to file an SR-22 is a high-risk driver and they will charge you more – if they choose to insure you at all.

4. Stay Where You Are Instead of Drinking and Driving

If you’re drinking at someone’s home, you might ask the host if you can sleep for a while before you head home. If you’re out at a bar, switch to non-alcoholic drinks and stick around until you sober up. Keep in mind, though, that you’ll need about an hour for each alcoholic drink you’ve had. If you don’t have time to wait it out, look for another option.

5. Stopping DUI When You Are the Host

If you’re throwing a party, you should consider drunk driving prevention one of your responsibilities. This is not just the considerate and responsible thing to do; it can prevent legal trouble as well. If one of your guests has an accident while driving home from your house, you could be held liable. So keep an eye on your guests, pay attention to who’s drinking, and be aware when someone seems like they may have had too much. Don’t be afraid to take someone’s keys – they’ll probably resist and might get a bit angry, but they’ll probably appreciate it the next day.

Be sure to serve food as well, since it will help to slow the absorption of alcohol. Have plenty of non-alcoholic beverages available. If you have games or other non-drinking activities, this can also help to slow people’s drinking.

6. Public Transportation Can Be An Option

Public transportation is a safe and reliable option for individuals who have had too much to drink and want to avoid driving under the influence. Drinking and driving can have severe consequences, not only for the individual but also for others on the road. Public transportation, such as buses, trains, and taxis, can provide a convenient and affordable alternative to driving. By using public transportation, individuals can ensure that they arrive at their destination safely and avoid putting themselves and others at risk. Moreover, public transportation can also help to reduce the number of drunk driving incidents, which can ultimately lead to a safer and more responsible community. In conclusion, if you plan on drinking, it’s essential to plan ahead and consider using public transportation as a way to stay safe and prevent any potential harm caused by drunk driving. Remember there’s always ways to prevent drinking and driving.

Promoting Safe Driving Habits

Promoting safe driving habits is critical to preventing accidents and injuries on the road. One of the most important ways to promote safe driving habits is by preventing drinking and driving. This can be achieved by several measures, such as providing education and awareness campaigns on the dangers of drinking and driving, increasing law enforcement and penalties for drunk driving, encouraging the use of designated drivers, and promoting alternative transportation options like ride-sharing services. It’s also essential to provide support and resources for individuals struggling with alcohol addiction, as well as their families and loved ones. By promoting safe driving habits and preventing drinking and driving, we can help ensure safer roads for everyone.

Find Affordable Car Insurance Online Today and Stay Safe

It is crucial to ensure road safety and find ways to prevent drinking and driving – and it is a collective responsibility. The best way to prevent drunk driving is by keeping intoxicated drivers off the road, which can significantly reduce the risk of fatal accidents. Every individual can contribute to this effort by planning ahead and finding ways to stay safe, not only during the holiday season but all year round.

Part of being safe on the road involves having proper insurance coverage. Freeway Insurance offers great car insurance coverage at the lowest possible rates – even if you’ve had tickets, an accident, or DUI. Request a free car insurance quote online or over the phone at 800-777-5620. You are also welcome to stop in one of our many locations.

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7 Best Air Fresheners for Smokers

Let’s face it�� if someone smokes cigarettes in your car, it’s going to leave a lingering “smoke smell” odor. Smoke has a way of permeating everything it touches, which makes it hard to eliminate. But not to worry – we’re going to help you get the fresh-smelling vehicle you deserve!  

Taking care of your car is one way to make it last longer – and even help you get a better price if you decide to sell or trade it for a newer model. Keep in mind that taking care of your car involves more than just making sure it smells good. It also means performing regular maintenance and making sure you have affordable car insurance in place before you get behind the wheel.

That said, let’s dive into 7 air fresheners that are designed to help eliminate the smell of smoke, as well as some quick cleaning tips to boost that clean smell.

Easy Steps to Clean Your Car

If you make it easy to clean and freshen your car, you are more likely to do it on a regular basis. We are going to boil it down to a few easy steps so it’s not a big chore, but something you can do on-the-go. You may not know it, but 50% of unpleasant odors and smoke smells can be removed by simple cleaning techniques:

Declutter: How does all that stuff get in here anyway? That’s probably what you are asking yourself. Remember, for a lot of us, we spend more time in our vehicle than almost anywhere else. Keep a bag for trash in your car (even better – a recyclable one!) and use it when you have candy wrappers, fast food containers or an empty pack of cigarettes. Take it out once a week and throw it away. If you are worried about the environment, just empty it into a larger receptacle and reuse it.

Clean Ashtray: Talk about a smelly presence! If you are a smoker (or someone smokes in your car), you should empty your ashtray every chance you get. Periodically dunk it in a bucket of warm soapy water and rinse it out.

Vacuum: Obviously, this is not one of those totally easy steps you can do without thinking, but you should vacuum your car once a month, at least. It helps to remove some lingering dirt and odor. You can take this a step further and sprinkle baking soda on the carpets and seats before you vacuum to really absorb and eliminate smoke odors.

Hard Surfaces: There are sprays made specially for eliminating odors, but you can use a mild solution that contains 70% alcohol. Using a microfiber cloth to wipe hard surfaces, including the center console, cup holders and doors.

Floor mats: Whether carpet or plastic, your floor mats should be cleaned on a regular basis. Vacuum then clean. This is something you can do less frequently to help maintain your car’s freshness.

Soft Surfaces: Carpets and seats are particularly important since smoke smells can really get a long-lasting grip here. You don’t want to replace your smoke smell with mold, so don’t saturate your carpets and seats. Just vacuuming these surfaces will help, but once in a while you can do a little heavier cleaning with soap and water.

Windows: From the windshield to the windows, use a window spray and newspaper for the best results. Smoke residue can really build up here, not only smelling bad but sometimes making it hard to see!

Vents: Periodically, you should invest in something that will help clean your air vents. Smell from cigarettes can infiltrate your vents and come rushing out every time you turn the HVAC system on. There are many products on the market that will help.

For the best results that last a long time, keep your car interior clean on a regular basis. You’ll be amazed at how much this helps. Now, let’s take a look at 7 car air fresheners that are made to attack the smell of smoke!

1. PURGGO Car Air Freshener

PURGGO car air freshener takes advantage of the natural odor-absorbing properties of bamboo charcoal. Instead of masking the smell of smoke, it’s designed to absorb and eliminate unpleasant odors. Bamboo is highly sustainable and this product claims to last 365 days. It’s not expensive and has a 4-star rating with more than 6,000 reviews on Amazon.

2. Ozium Air Sanitizer

Proponents claim this spray works well on eliminating smoke smells and other odors. This product is not expensive and claims to eliminate smoke odors by converting smoke particles into clean air. It has a 4.5 star rating with more than 4,000 reviews on Amazon.  

3. Fresh Wave Odor Removing Gel

With more than 7,000 happy customers on Amazon, this odor eliminator product has a Safer Choice rating from the EPA. Ingredients are plant-based and include lime, pine needle, clove, anise and cedarwood. Simply place the odor absorber under the seat and it claims to be effective for 30-60 days. You can purchase refills when necessary.

4. Air Purifier for Car

There are numerous battery-powered air purifiers made to fit in the car. You’ll need to replace the HEPA filters periodically, but according to most of these product descriptions, you can expect the battery to last for 8 hours. Reviewers are thrilled with how well this system works. This can trend to a more expensive option.

5. Natural Products

If you are like many of us, you’d rather use products that are natural. If so, you are in luck. There are a variety of natural ways to get the air in your car fresh. Here are just a few:

Essential oil air freshener spray – Pick your favorite fragrance (such as lavender) and mix 20-30 drops of essential oil in 1 cup of water. Some people add a couple tablespoons of rubbing alcohol, which helps speed drying time and increases binding.

Potpourri – You can make this by drying good-smelling things from your garden. Add a drop or two of essential oils to really pump it up.

Scented wood – Paint a piece of raw, unsealed wood with an essential oil and voila, you’ll have something you can make on the cheap and stick under the seat.

Baking soda – Baking soda is the original remedy for removing odors and maintains its crown to this day. As mentioned before, sprinkle some on the soft surfaces, let sit and vacuum up. Or put some in a jar and leave open in the car overnight (just don’t forget to put the lid on before you drive away).

6. Little Trees

More of a temporary masker than an actual eliminator, these cute rearview mirror hangers come in a variety of odors. When your car is clean, they make a great addition to the inside smell, but don’t expect them to help eliminate the smoke smell without a good clean first.

7. Febreze

We couldn’t really have a list of popular odor eliminators without including Febreze. This product claims to be safe for humans and pets and uses a chemical process to trap odor-causing molecules. There are many Febreze products you can choose from to use in your vehicle. On that seems to be especially popular is the Febreze Unstopables car vent clip, which comes in packs or 3 or more. More than 12,000 people have chimed in an Amazon to give the product a 4.5-star rating.

How Often Should I Change my Car Air Freshener?

It depends on the product. Some of these products are designed to last months and some claim to work on smoke odors for up to a year. Your air freshener will need to work harder if someone is currently smoking in the vehicle on a constant basis, which means it may not last as long as you’d wish. On the other hand, keeping your vehicle clean will help boost the efficiency of the air cleaner of your choice.

What is the Most Popular Scent?

The best-selling Little Tree scents are Black Ice, New Car and Caribbean Colada. New car smell is always a popular scent, but it’s hard to replicate, since the original new car smell comes from a combination of plastics and chemicals used in modern cars. Yankee Candle, a company that has built a large following based on smells, says their most popular scents are Red Raspberry, Clean Cotton, Lilac Blossoms and Leather.

Your most popular scent will be the one you like the best. Is it a flower? How about rain? Many seem to like a freshly-washed clothes smell, like linen. And some people just don’t want to smell anything at all!  

Find Affordable Auto Insurance to Complement Your Clean-Smelling Car

Now that you’ve gotten rid of that yucky cigarette smell, all you have to do is some simple cleaning to keep your car fresh. Complement that with affordable car insurance from Freeway Insurance and you are ready to hit the road. Get a fast and free quote online, give us a call at (800) 777-5620 or stop by one of our convenient locations.

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About to Lose Your Medicaid? Here’s How to Remain Covered

That’s the reality facing millions of Americans who have been using Medicaid for their healthcare during the Public Health Emergency known as COVID. It’s estimated that 1 in 6 people who use this public health insurance program for people or families with limited incomes and resources will soon lose their coverage unless they enroll in a new plan.

You’re probably wondering why this is happening and what you can do to make sure you have the health insurance you and your family needs, so let’s dive in and learn how you can stay covered regardless of the upcoming changes.

The End of COVID Medicaid Continuous Coverage

As part of the government’s response during 2020-2022, it suspended normal procedures to sort through Medicaid lists and remove ineligible recipients. As a result, Medicaid’s roster grew to nearly 5 million people – many of which did not even know they had been auto-enrolled.

Now, federal and state governments are reinstating procedures to check the eligibility status of those on Medicaid, which means not everyone will still qualify. To continue receiving healthcare benefits, everyone needs to submit current information (like income and household size).

Am I Going to Lose My Medicaid?

It depends on your unique circumstances. If you still qualify for Medicaid you will need to enroll again to apply.  It won’t be automatically done for you.

Mainly, if you’ve had changes in your life since having Medicaid during the Public Health Emergency, you may be at risk for losing your coverage. If they haven’t already, the Medicaid administrator for your state will send you a questionnaire via text, email, or paper mail to for you to answer determining factors like:

Where you live: Have you relocated since you signed up?

Your income: Have you found a job in the last two years that provides an increase in income?

Your household size: Has the number of dependents changed?

After a notice is received, recipients have 60 days to respond. Some states have already started the process of checking eligibility of the people who use Medicaid in their state, but due to the enormity of the task, it could be 9 months to one year before you receive your letter.

No Longer Qualify for Medicaid

If you don’t qualify for Medicaid, you may qualify for the Affordable Care Act under special enrollment. It does have different affordable health plans and you may qualify for a federal subsidy to help you pay for the chosen plan.

If I Lose Health Coverage, How Can I Get Insurance?

If you missed open enrollment, you may still qualify during special enrollment. If you don’t have time to do the research, let us do the work for you. The healthcare marketplace can be a confusing place to navigate, so call us at (800) 777-5620 so we can help you during this special enrollment period. We can help you stay enrolled in these states:

California Health Insurance

Arizona Health Insurance

Washington Health Insurance

Florida Health Insurance

Texas Health Insurance

Idaho Health Insurance

Oregon Health Insurance

Nevada Health Insurance

If you’ve found employment, you may be able to access medical benefits through your employer. Private or Workplace Coverage could be another great option for you in that case.

I Still Can’t Afford Health Insurance… Now What?

If you still meet the income requirements for Medicaid, you will be able to continue receiving it.

And even if you have received an increase in your pay, several recent government acts have made the ACA (Affordable Care Act) marketplace surprisingly affordable. For example, financial subsidies have been enhanced through the Inflation Reduction Act. These boosts will be in place until 2025.

In addition, with the American Rescue Plan’s subsidy enhancements, people who are being dropped from Medicare may find free or nearly free coverage during this time.

Last but not least, your children may still be eligible to receive their healthcare free (or at a greatly reduced cost) through CHIP – Children’s Health Insurance Program. This program is for families who have an income too high for Medicaid but not high enough to afford private care.

Get Affordable Healthcare Quotes for You and Your Family  

Get the peace of mind that comes with knowing you’re protected if you become sick or injured by signing up for a health plan through Freeway Insurance

Remember, we are here to help you navigate any and all of these options! You can start a free quote for health insurance online, give us a call at (800) 777-5620 or visit us at one of our convenient locations.

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Best West Coast Road Trip: 21 Must-See Scenic Spots

A long and winding road trip along the west coast of the United States is a great way to celebrate a few days off from the daily grind. In the United States, residents can seek their perfect place from the mountains and greenery of the Pacific Northwest to wine country to the dry deserts of Southern California.  

Whether you rent a car or drive your own, each spot on this trip offers unique, diverse and endless variation.  So, let’s hit the west coast and visit 21 scenic spots along the way with tips for safety, places to sleep and, of course, places to eat!

Why Choose a Road Trip?  

There’s as many road trips as there are preferences. You can make them as structured – or as spontaneous – as you want! Just the act of locking the front door, jumping into the car and driving away is a declaration of freedom. If life throws some curveballs during your trip, maintaining that spirit of adventure will give you the flexibility to adjust.

Of course, there are things that should be planned:

Give some love to the trusty steed (your car) that is going to take you on these far-flung adventures.  

Make sure your car insurance is current, your oil changes are up to date and your tires, brakes and fluids are all ready for the rigors of the road

Pack some extra chargers, some entertainment and good music, snacks and water! Many of the spots on our list are parks, so find the most affordable package before you leave. You can purchase annual or one-time passes that will get you in every park.

Safety First on Your Adventure

Although you and your passengers are on a carefree adventure to indulge and imbibe, one of the best things you can do is to keep safety first and foremost. Here’s a handy list of things to keep in mind.

On-the-Go Protection

If you will be driving in strange places, you’ll want to be safe if something happens. For example, your 6-year-old (or your grown spouse!) may lock the keys in the car. If you drive over the wrong thing  you may end up with two flat tires. Even having your car overheat as you make your way through stunning desert vistas is not impossible…

The way to make sure your trip isn’t interrupted by an event like this is to add roadside assistance to your policy. This coverage is cheap compared to the peace of mind it can provide when you are driving through unfamiliar places. Your roadside assistance should cover you even in a rental car.

One other possible coverage to add is travel club and hospital indemnity. This cheap package will help you pay for medical costs, aside from your health insurance and auto insurance, if there is an accident and you wind up in the hospital.

Car Rental

If you don’t want to use your car, you may end up choosing a rental. Rentals are in short supply these days, so be sure and get a reservation so you don’t end up trying to fit 6 people in a compact!

Make sure you go in with a clear understanding of what your personal auto insurance will cover. For example, does your policy offer some of the same protections the rental company is asking if you want to add? No reason to duplicate.

If something happens along the way to your personal vehicle, such as an accident, you may want to continue your trip if everyone is OK. In that case, having rental care reimbursement on your policy will come in handy.

Strangers in a Strange Land

OK, we borrowed that title a little bit, but keep in mind as you travel that as carefree as your time on the open road is, you still need to use some common sense. If you must bring valuables, don’t flaunt them. Take good care of your credit cards and cash. Be cautious with strangers who seem overly friendly. And if you overdo it in wine country, make sure you are in a safe place with people you trust and that someone not drinking has the keys

21 Scenic Spots on the West Coast

Of course, there are more than 21 scenic spots on any west coast jaunt. Use this guide as a starting – or finishing – point and add your own best places to visit as you go along.

1. Whidbey Island, WA

We are going to begin on Whidbey Island. There are several ways to get to this seahorse-shaped island. You may choose to take a longer ferry from a different point, but we’ll be on the Mukilteo ferry, which is a 20-minute ride over to Whidbey Island. The Mukilteo ferry is just north of Seattle – about an hour’s drive depending on traffic.  

Most tourists want to check out Deception Pass State Park and take in the sweeping views.

Duration: You may want to devote a day to exploring Whidbey Island. If you just want to eat at a really good seafood spot, it could be a 3 to 5-hour trip there and back.  

Hint: Ferry lines on the weekends can be long. There is a concession stand and a restaurant, but if at all possible, begin your journey on a weekday. Ferries run every half hour. There are also alternate ways to get to Whidbey, as well as other ferry points, that you can explore.

2. Seattle

When you wake up on Day 2, you’ll want to wander around the famous Pike Place Market to get your morning cup of joe from the original Starbucks. Find some breakfast and hit the Space Needle, a thrill with breathtaking views of the Cascade Mountains and Mount Rainier.  

You can easily spend a day exploring the charms of Seattle, but if you are ready to hit the road after a few hours, take off for Olympic National Park.  

Next stop: Olympic National Park (about 2 hours north and west).

3. Olympic National Park, WA

There is much to see and do inside Olympic National Park and a variety of ecosystems to check out, including subalpine, coast, rain forest, and lowland forest. Located inside the Olympic Peninsula, you can spend what remains of the day after driving over from Seattle and then stay at one of the lodges (reservations are highly recommended). The park is huge and since there is no one road linking it all, you can plan your activities based on your interests or just hop in the car and start driving around.  

Summer months are the busiest, so plan accordingly.  

Next stop: Mount Rainier, roughly a 4-hour drive.

4. Mount Rainier, Washington

If you’ve always wanted to see an active volcano, then Mount Rainier is the perfect place for you. Depending on the time of year, you can hike, camp, ski and sled. There are several beautiful places to visit inside the park system, including Paradise, one of the most popular. There is a hotel in Paradise for those who want to make a day and night of it, as well as other overnight options.

Hint: Paradise has some great trails for those who want to see the glorious offerings of the wildflower meadows. Keep in mind the area has an elevation of 5,400 feet and some trails will offer quite a workout.

Next stop: Columbia River, about 3 hours west.

5. Columbia River Gorge, Oregon

The majestic Columbia River Gorge is a must-see spot. Waterfalls, wildflowers, hikes and leisurely strolls, all combined with spectacular scenery add up to a memorable piece of American beauty. You can also take advantage of a hand-crafted beer and farm-fresh food at the Gorge, too. Since your next destination is 7 hours due south, you may want to find a lodge and sleep off some of those potent potables!  

Next stop: Crater Lake, 7 hours due south.

6. Crater Lake National Park, Oregon

Traveling in summer? You may still want to bring some winter coats if you plant to make Crater Lake a stop. The park was formed by a volcano causing the collapse of a mountain top. There is snow on the ground for much of the year, but the deepest lake in the United States is a pristine and awe-inspiring color of blue you won’t soon forget.

Next stop: It’s a 4 hour drive due west to reach the next scenic stop, Redwood.

7. Redwood National Park, California

If you are going to take a west coast jaunt, it’s obligatory to get a picture at the base of one of the tallest trees on Earth at Redwood National Park. Since you are coming off at least a few hours at Crater Lake and 4 hours on the road, you may want to find accommodations and tackle Redwood the next day. However, if you just want the picture as proof that you stopped, you can take a 5-minute walk to the Big Tree Wayside, snap your photo and be on your way.

But there are places to stay all around Redwood and plenty of restaurants. If you want to get your picture, have dinner and tuck in for the night, you can spend a few hours the next day exploring a little more of this beautiful attraction.

Next stop: Lake Tahoe, Nevada – 8 to 9 hours

8. Lake Tahoe, Nevada

Depending on the time of the year, you can have fun with water sports or ski the slopes. Lake Tahoe has been experiencing drought in the last few years, as has much of California and Nevada. At this point, significant snowpack shows encouraging signs that Lake Tahoe will rebound and at least get to its fill line.

Lake Tahoe offers a 72-mile gorgeous drive, called the Most Beautiful Drive in America, which offers food, shopping, paddleboat rentals, casinos and a large variety of other attractions. There are plenty of places to spend the night so you can be totally refreshed for your next stop: San Francisco!

Next stop: San Francisco – 4 hours

9. San Francisco, CA

No west coast journey would be complete without a stop in San Francisco. There is so much to do and see here, we can’t possibly list it all. Some highlights, however, would include:

Alcatraz – a short ferry ride will take you over to “The Rock.” Be warned that lines are long in peak tourist months. You can purchase tickets in advance.

Fisherman’s Wharf – between the awesome food and street musicians, there’s something for everyone at this iconic landmark. Stroll down Pier 39 for a first-hand look at all things San Francisco.

Chinatown – If you are feeling brave (and you don’t speak Chinese), visit a Chinatown restaurant with a menu in Chinese. And even if the menu is in a familiar language, you may not recognize all the ingredients. But take heart – you won’t walk away hungry after sampling the delights available here.

Tip: It never really gets warm at the waterfront. So, pack a light jacket or you’ll be buying one from one of the vendors who sell light fleece jackets to teeth-chattering visitors.

Next stop: It’s in the same city but deserves its own mention.

10. Golden Gate Bridge, San Francisco

On your way out of San Fran, take a stop at the Golden Gate Bridge. There’s a welcome center where you can buy souvenirs and learn about the history of this iconic landmark.

Next stop: Santa Cruz, CA – Due south for almost 2 hours

11. Pacific Coast Highway

On this particular journey, we’ll be picking up the Pacific Coast Highway as we head out of San Francisco for points south. The Pacific Coast Highway is almost a destination in its own right and heading north to south gives the driver the absolute best views while motoring along this marvel of modern road building (see there is a method to our madness).  

12. Santa Cruz, CA

There are many things to do and see in Santa Cruz. Besides great beaches, food and wine, the legendary Santa Cruz Beach Boardwalk is a must see for anybody traveling with children – or anybody who loves an amusement park over the stunning Pacific Ocean. Spend the day exploring nature or shopping for one-of-a-kind artisan crafted treasures.  

Next stop: An hour-and-a-half down the scenic PCH to Big Sur.

13. Big Sur, CA

Just like many of our unique destinations, Big Sur can be a drive-through or a longer stay. It’s an iconic place that you may recognize from plenty of movies, TVs and commercials. You can simply drive through Big Sur on the PCH and pull over now and then to gaze at the Pacific Ocean splendor. Or you can choose a longer stay and visit Big Sur State Park or stop to shop and eat at Nepenthe, a landmark place that comes complete with Southern California’s good vibes.  

You’ll probably want to leave early to arrive at your next stop (hint, it’s a biggie) in time to rest up for the following day’s adventure.

Next stop: Yosemite, 5 hours east

14. Yosemite National Park

Visiting this quintessential of America’s parks is a must do on your itinerary. However, spontaneous won’t work here as you need reservations just to enter Yosemite National Park. If you want to make a day and night of it, you’ll also need to reserve your lodging, camping and backpacking. Park officials advise to pack your patience as millions of people visit here in the peak months between April and October.  

There’s so much to do and see, you’ll want to explore the website and make some plans.  

Tip: Start early to avoid the crowds. Get a good night’s sleep before embarking on the next leg of the trip, which involves driving through Death Valley and into Sin City.

Next stop: Death Valley and into Las Vegas – 5-8 hours to Death Valley and 3 hours past that to Las Vegas

15. Death Valley

With temps hitting above 130 degrees in the summer, you’ll want to make sure you have plenty of water before hitting the road through Death Valley. It’s called the hottest place on Earth for a reason! For those who want to adventure into the desert fun, stop by Furnace Creek Visitor Center for some tips and suggestions. If you plan to hike, take precautions.

Next stop: Vegas, baby – 3 hours.

16. Las Vegas, NV

If you are a newbie to Sin City, decide on a few things to do to mark your trip and come back again if you don’t check everything off your list. Las Vegas has too much to do and see to get it all in one trip. However, there are a few experiences you shouldn’t miss, including:

Taking in a show. Las Vegas is known for its live entertainment. From the Beatles Cirque du Soleil “Love” show to famous magician David Copperfield, there’s a show happening somewhere, anytime!

Visiting Fremont Street Experience. You’ll marvel at the spectacular display of lights and technology overhead while grooving to live music. It’s an all senses experience you won’t want to miss. And it’s free! The adventurous (and patient) can buy tickets and get in line for the zip line that takes you above the crowds.

Nothing is cheap here. From traveling around the city (buying a bus pass is the best way to go) to playing the slots to finding entertainment and a place to sleep, save up for this spot in your trip.  

Next stop: Santa Barbara, 6 hours.

17. Santa Barbara, CA

After the whirlwind of Las Vegas, Santa Barbara is the perfect next stop to catch your breath. Also known as the American Riviera, Santa Barbara offers 7 beautiful beaches if it’s time for that sun-kissed glow, museums, restaurants and, of course, wine.

Next stop: Santa Monica, 1.5 hours

18. Santa Monica, CA

Continue down the lovely PCH, through infamous Malibu and into Santa Monica on your way to Los Angeles. There are plenty of beaches, food and nightlife for those who want to immerse themselves in the SoCal lifestyle.

Next stop: Los Angeles, 30 minutes

19. Los Angeles, CA

After your leisurely drive down the PCH through cities that illustrate the absolute stunning beauty of the Golden State, it’s time to tackle Los Angeles, the City of Angels. As with Las Vegas and San Francisco, deciding ahead of time what you want to do while here will save you some time, angst and probably money. Some of the major attractions include:

Disneyland – Get there early, pack your patience and take lots of money. The park is a day-long adventure of iconic rides and attractions that everyone should visit at least once.

Universal Studios Hollywood – There’s everything from Harry Potter to Super Mario at Universal Studios. It’s a little more laid-back than Disneyland, so a possible respite for mom and dad while still being fun and exciting.  

Next stop: Joshua Tree, between 2 and 3 hours

20. Joshua Tree National Park, CA

For those who want to bask in the desert sun, Joshua Tree offers not one, but two desert ecosystems in the Mojave and the Colorado. Strong winds, gusty rainstorms and the darkest of nights will provide you the desert memories you crave. The park is always open and there are 4 visitors centers open during regular business hours.  

Since there are no restaurants, hotels or gas stations, you’ll want to pack in some water and food if you plan to stay for any length of time. The park has limited cell phone reception, but if you want to do some stargazing before your last stop and unwind from the hustle and bustle of Los Angeles, Joshua Tree is the destination.

21. San Diego, CA

This is the quintessential southern California destination city, with rolling surf and waves in impossibly blue water on one side to horse country in the hills above on the other side. Learn to surf, take a yoga class on the beach, take a whale watching tour, visit a real live post-WWII ship at the USS Midway Museum, take in the world-renowned San Diego Zoo and Safari Park or just eat the freshest of seafood to your heart’s content.

San Diego is a wonderful place to relax and unwind after your wild and crazy, action-packed west coast road trip.  

Take Freeway Insurance Along with You on Your West Coast Journey

Now that you know where to go and what to do on this fun-filled trip along the west coast of the United States, don’t forget to take along the best and most affordable car insurance. At Freeway Insurance, we are happy to give you a fast and free quote online. You are also welcome to stop in the nearest location or just give us a call at 800-777-5620.

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Top Car Safety Features in 2023

The first automobiles were developed in Europe in the late 1800s, but Americans quickly jumped into the automobile game. In 1893, two bicycle mechanics in Springfield, MA brought forth the first American gasoline-powered vehicle. Those early models bear little resemblance to the ones we drive today – and that’s nowhere more apparent than in safety standards.  

In early days, drivers and passengers took their chances when climbing aboard these “contraptions” that resembled modern cars only in the fact there is a carriage with wheels and an engine. Luckily, top speeds in early autos were around 12 mph, but as they got faster, safety became a bigger concern.

Another essential safety feature of driving these days is car insurance. We know that having insurance, whether it be automobile, home, life or some other, helps protect us against the financial devastation that can follow an unexpected event. The first policy was written in 1897 and now is required in the United States.

Let’s take a look at how the vehicle you drive today and the safety features in new cars evolved.

Basic Safety Features

Basic features, such as turn signals, headlights and seatbelts, were nowhere to be found on early automobiles. The Ford Model T offered a windshield, headlights and a speedometer as optional add-ons. The Nash Rambler was ahead of its time, offering lap seat belts in 1950. The buying public, however, was not impressed and felt the belts were a nuisance. Nash only sold 1,000 seatbelt-equipped models. Volvo jumped in with a shoulder belt in 1959.

In 1966, the National Traffic and Motor Vehicle Safety Act passed, which, among other things, established a rulebook guiding construction called the Federal Motor Vehicle Safety Standards.  

Wheels  

Almost from the time people have moved things from one place to another, wheels have been involved. Wheels have a colorful history, including design and engineering that passed through the ancient Egyptians, the Greeks and the Celts.  

More modern prototypes came around when Karl Benz came up with a spoked wire and hard-rubber tire for one of his early vehicles in 1885.  

In the 1900s, Ford began with wooden wheels, but quickly moved to welded steel. As with many other automobile improvements, racing enthusiasts are responsible for wheels that employed aluminum-magnesium alloys. Today’s wheels are a marvel of modern technology, incorporating a variety of designs and materials.

In today’s parlance, the word wheel includes the hub, spokes, rim and, of course, the tire. The bigger the wheel, the larger the tire. Larger tires help your car grip the road better. And, of course, the steering wheel itself works better when the actual wheels are right.

Brakes  

It could be argued that brakes are the most important safety feature on any forward- or rear-moving contraption. They certainly have their place in automotive safety. Unlike early iterations, which involved a wooden block hanging from a rope, once tires moved from wood and metal to rubber, brakes became a marvel of physics, using thermal energy to halt forward (or backward) progress.

Brake Lights

Many of the first drivers in the early 1900s felt that the use of hand signals was enough of a warning system to let others know their intentions. This may have worked when top speeds were 12 mph. As speeds increased, however, it became necessary to add new warning systems in the form of brake lights, and later, a turn signal. By 1928, brake requirements were mandatory in 11 states. The third brake light, invented by a psychologist who tested the gadget on taxis in San Francisco, has been responsible for a significant decrease in rear-end collisions.

Turn Signals  

Although turn signals may have a lurid soap opera history (possibly invented by well-known actress Florence Lawrence, who failed to get a patent, then spiraled downhill with an unfortunate third marriage and later killed herself with ant poison), other sources credit John Hetrick. Hetrick was reportedly inspired to invent turn signals in 1939 after watching his son use flags to indicate which way he was going.  

Luckily, turn signals are a boon to automotive safety. With this simple tool, drivers can communicate their intentions to those sharing the road. Various studies have shown a reduction in read-end and side impact crashes when drivers use their turn signal.

The only controversy ongoing is whether they should be red or amber (more of an orangey-yellow). The Department of Transportation (DOT) produced a National Highway Traffic Safety Administration (NHTSA) report making the case that amber lights work better than red ones. Automakers aren’t required at this point to use the color amber and are balking at the extra cost (although it’s not estimated to be much).

Seat Belts  

Although they were invented in 1885, it wasn’t until 1968 that American-made models were required to have seat belts. These belts were mostly lap belts, which were later found to cause problems of their own (effectively cutting people in half in a collision). Later, three-point seat belts became the norm and, in most states, the “Click It or Ticket” law in 1995 made seatbelt use mandatory.

Believe it or not, for a short time, a federal law required that carmakers build ones that would not start unless seat belts were engaged. As expected, that did not go over well with Americans, and it was shortly repealed.

Miscellaneous Safety Features in Early Autos

We cannot move into newer, more modern cars without mentioning a few safety measures and equipment that were introduced in early days.

Rearview mirror: In 1906, the author of the famous book The Woman and the Car: A Chatty Little Handbook for All Women Who Motor or Want to Motor, recommended that the ladies carry a handheld mirror so they could see what was behind them. In 1914, a patent was issued for a mirror attachment meant to help drivers avoid a blind spot. In the 1920s, Elmer Berger put his “Cop-Spotter” mirror attachment on the market. It was wildly successful, proving that some things never change.

Rear bumper: Bumpers as a whole have had a storied history. In 1901, a rubber bumper designed to lessen impact was sent to the patent office and hit the market. In the 1910s, a strip of steel that fit across the front and back of the vehicle was introduced. Over the years, bumpers became more elaborate to result in today’s models which are plastic over steel, fiberglass, aluminum or plastic.

Crash Test Dummies

Before we move into new models, we must give a nod to Sierra Sam, the first crash test dummy invented for use by the US Air Force to test ejection seats in 1949. In 1997, crash test dummies became the first line of defense in testing how to make things safer and reduce injuries and fatalities around the world.

Many of your new standards (even if your ride is 20 years old) are there because of crash test dummies and what they have shown us about how the human body reacts to automobile crashes.

Top Safety Features in New Cars

The same public who decried various tentative attempts at safety measures in their automobiles in early days were responsible for many of the safety improvements we see today. As vehicles became faster, more common and more affordable, people became more vocal about the number of injuries and fatalities on American roads and highways.  

As a result, the National Highway Traffic Safety Administration (NHTSA) was established under the National Traffic and Motor Vehicle Safety Act. The act gave the NHTSA the power to enforce safety standards and the use of standard equipment.

Many of the items you see on today’s automobiles are the result of NHTSA mandates. Let’s take a look at some of these critical additions.

Airbags

Automotive airbags came along in 1974 in the United States, although they were invented in the early 1950s. General Motors first installed them in a fleet of 1973 Chevrolet Impalas, used by the government. The 1973 Oldsmobile Toronado was first to market with passenger side airbags. Not surprisingly, Americans were not impressed with this additional (cost-adding) safety feature and it was shortly discontinued. Automakers were not impressed either and Ford and GM spent years (and money) lobbying against airbags.

In 1999, front airbags became mandatory. According to the Insurance Institute, airbags are a critical piece of safety in new cars. Their statistics say front airbags reduce driver fatalities in frontal crashes by 29%, while side airbags (still optional) reduce driver death in driver-side crashes by 37% and an SUV driver’s risk by 52%.

Anti-Lock Brakes  

As mentioned above, brakes are a critical component to safety and manufacturers have been incorporating brake safety designs since the 1960s.

ABS technology made its debut in the 1960s and big names like Chrysler, Ford, Nissan and Toyota became fans in the 1970s. Mercedes-Benz was the first automaker to make anti-lock brakes (ABS) standard – in 1985. Anti-lock brakes replace the old method of pumping the brake pedal to avoid a skid and provide traction control when emergency braking is employed.

Other Safety Elements to Consider

Today’s autos come with a laundry list of ways manufacturers have complied (maybe reluctantly) with requirements to make people safer on the road. Some items you may see today include:  

Electronic Stability Control – Another addition to control your vehicle while in a skid is electronic stability control. ESC is now standard in America.

Adaptive cruise control – Not available on all models yet, this nifty safety component has many different monikers, including smart cruise control and radar cruise control. Adaptive cruise control helps to regulate the speed of your vehicle using a variety of other components, including sensors, radar and cameras.

Cameras – For the most part, cameras are used to provide rearview access, such as a backup camera. This helps the driver avoid backing into objects by using parking sensors.

Lane departure warning – There are a variety of lane departure systems available in today’s rides. Different manufacturers have different names and even different purposes for these additions. Mainly, though, this technology is aimed at keeping your vehicle in its lane, so as to avoid a collision.  

Advanced high-tech advanced systems have come a long way in recent years. This is a good thing when it comes to the public’s safety.

Do Safety Features in New Cars Make the Price Worth It?

For the most part, new advancements are worth the peace of mind that comes with knowing you are driving a modern marvel of safety technology that is available today. When you and your family get behind the wheel on American roads today, it is natural to want the best and most up-to-date proven technology.  

Coming Attractions in Safety

It used to be that only luxury vehicles had the latest and greatest technology – and that’s still true for some bells and whistles. Currently available, but not standard technology, runs the gamut from mundane to wildly imaginative and includes:

360-degree (overhead vision) – This camera is mounted on top of the vehicle and shows everything surrounding you.

Intersection scanning and AEB system – Part of the latest additions, autonomous emergency braking (AEB) systems help drivers avoid collisions, but now there is the coming added protection of intersection-scanning AEB. It can detect oncoming traffic approaching at intersections.

Center airbags – This system deploys an air bag between the driver and front seat passenger to help avoid heads banging in a rollover.

Night vision – Only available in luxury vehicles currently, night vision helps discern animals, offers pedestrian detection and other vehicles in the dark.  

Safety exit assist – Destined to be a huge hit with parents of young children, this sounds an alarm when a door is opened while other cars are approaching from behind.

Find Safety and Protection with the Best Auto Insurance Online Today

One thing we all want is to be safer on the road. Having the right insurance is a good way to make sure we are protected financially when we get behind the wheel. At Freeway Insurance, you can get a fast and free car insurance quote online, call us at 800-777-5620 or stop by one of our convenient locations.

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Why is Pet Insurance Important?

Our beloved pets are like people in many ways. They can suffer from cancer, arthritis, heart disease, orthopedic injury, dental disorders, and viral infections, just for starters. In addition, they can get hit by cars, accidentally poisoned, or attacked by other animals.

All of these and many more serious illnesses, injuries, and maladies can get quite expensive. Treatments may involve emergency care, surgery, costly medications, physical rehab, and the services of specialists. This can add up to thousands of dollars in ongoing medical care. Pet insurance can help offset some of these costs.

Just for a single example of how these costs can stack up, consider that a pet MRI alone can cost as much as $5,000. That’s just a diagnostic tool to determine what’s wrong with your pet. In other words, it’s merely the treatment starting point! Your medical bills will grow from that point forward.

But let’s start with the basics.

What is Pet Insurance?

Consider any type of insurance that you carry on yourself or your loved ones. Pet insurance works the same way. The point is to pay a smaller sum to safeguard against the need for much higher expenses later if something goes wrong.

Our pets don’t have the ability to tell us when they feel a disorder coming on. For that reason, you often can’t tell anything is wrong until they limp, whine, lose their appetite, grow lethargic, or otherwise show symptoms.

At that point, their injury or illness might be quite advanced. You likely won’t have time to save for future medical costs. You must take action now. That might mean an expensive midnight run to an animal hospital when your pet’s condition grows serious enough for you to notice that something has gone wrong.

How Much is Pet Insurance?

Pet insurance is generally not very expensive. Your insurance agent can help you find coverage that averages somewhere between $30 and $50 a month for dogs and $15 to $30 for cats. Not only will this offer your pet protection, but it will provide you with peace of mind.

How to Contain the Cost of Pet Insurance

Your pet insurance not only covers an annual wellness visit with your pet’s veterinarian, it also helps with routine procedures such as dental cleaning and with the cost of some regular medications, such as flea/tick and heartworm preventative.  

The main benefit, however, is for more serious treatments you’d have a hard time paying for out of pocket.

Your strategy should be to set your deductible at a high enough level that your premium is lower, but not so high that you can’t afford your pet’s medical care when an emergency arises.

The deductible is the amount of money that you agree to pay for a covered condition before your insurer pays the rest of the bills. The higher your deductible, the lower your premiums will be.

Your independent insurance agent can explain additional strategies for keeping the cost of pet insurance as low as possible. For instance, you might be able to take advantage of discounted rates if you have coverage for more than one pet.

Also, see if the insurers who carry your auto insurance , homeowners, or other policies also offer pet insurance. If so, you could earn additional discounts on this new form of coverage by bundling your policies.

What you’ll end up with is confidence that you’ve done all you can to extend the life of your pet and to keep it safe, happy, and secure.

Find Affordable Pet Insurance for Your Furry Family Member Today

Your independent Freeway Insurance agent can tell you why pet insurance is so important, and help you shop for the most appropriate and low-cost coverage.

Just call us at (800) 777-5620. You can also get a quick pet insurance quote online or visit a Freeway Insurance office near you.

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The Best Rock Songs About Cars

Americans and their automobiles: It’s been a love story since cars became a ubiquitous feature of our country’s landscape. As vehicles evolved from a few test models in the early 1800s to autos only the wealthy enjoyed to a mode of transport pretty much anyone could acquire, we’ve had a long and storied history with this necessary partner. Necessary also includes auto insurance these days, since you cannot legally drive anywhere without it.

Without our rides, we would still be a stationary society – and we wouldn’t have this great collection of songs from all genres about the love of using our wheels to explore our country. There’s nothing like rolling the windows down and belting out the words from our favorite artists as we embark on the beloved road trip. Roger Taylor from Queen probably expressed it well in his tune “I’m in Love with My Car,” where he celebrates his Alfa Romeo and the love of automobiles in general.

Cars and Road Trips Just Go Together

There’s something about embarking on a road trip that fires up everybody’s sense of freedom. You may have a starting point and you may have a destination, but the magic happens in between. Hitting the “long and winding road” as the Beatles sang in 1970 can be done solo, with a few besties or with your family. It really doesn’t matter because the open-road adventure has defined Americans since roads and autos were introduced. And rockers from all generations have written and sang ballads about the beauty – and the nostalgia – of taking their jalopies and trucks and being on the road.

At the root of all this exhilarating exploration down America’s highways and byways is the love we have for our wheels. After all, using a horse and buggy to go from Point A to Point B wasn’t nearly as much fun as hopping in our “Little Red Corvette” as Prince sang in 1982 or our hot rod “Little G.T.O.” as Ronnie and the Daytonas rocked out in the 1960s.  

And for those who love to rock, there are plenty of our best songs to choose from that celebrate the revered relationships we have with our vehicles. You may not be taping your faves from an album anymore, but taking advantage of the latest technology gives you an awesome playlist. So, without further ado, here is a list of the best rock anthems about cars for you to blast while getting your road trip on (or even just going to the grocery store)!

Let’s Start at the Beginning of Rock Songs About Cars

The first tune about an auto could be “In My Merry Oldsmobile” by Gus Edwards in 1905. However, since rock-n-roll wasn’t invented until the late 1940s and early 1950s, we’ll jump ahead to that time period to start searching for song suggestions you can download and put on your playlist before you hit the road.

Besides the list below, you’ll seriously be remiss if you miss Woody Guthrie and his 1954 ode to the new-fangled machine (and the noises it made back in the 50s) in a children’s ditty called “Riding in My Car”. You and your passengers will be literally ROFL (don’t undo the seat belts!) as you listen and learn the words. It’s such an old favorite that Bruce Springsteen – and various other artists – continue to perform (and make all of the required engine and door noises) today.

Rocket 88

In 1949, Jackie Brenston and his band the Delta Cats released “Rocket 88”, an homage to the Oldsmobile Rocket 88, so named due to having a 135-horsepower engine (rocket) that beat every other racer on the NASCAR circuit and coming off the line between the Olds 76 and Olds 98. Jackie Brenston wrote the popular rock that featured an opening keyboard riff based on Little Richard’s famous “Good Golly, Miss Molly.”  

Beep Beep

In 1958, a little ditty called “Beep Beep (The Little Nash Rambler)” by the Playmates made it onto the charts. This celebrated what may be America’s first successful compact ride, the Nash Rambler, as well as telling a real David and Goliath story of a mismatched race between this small but mighty convertible and a Cadillac. We won’t spoil the ending, you’ll have to download it yourself!

Hey Little Cobra

Jumping ahead to 1963, the Rip Chords jumped into fleeting fame with this anthem to the hot rod of the day, the Ford/Shelby AC Cobra. The musical scene was changing from the early rock-n-roll sounds of Chuck Berry to the surfer music that illustrated the 60s. Ford’s not-so-subtle desire to overtake the Chevy Stingray in the market drives the lyrics and if you can listen without jumping up to shake, rattle and roll, well, you are more sedate than us!

Finishing up the 1950s-1960s are several truly classic rock songs that you shouldn’t miss, including:

“Mustang Sally” by Wilson Pickett – Although defined as a rhythm and blues genre tune, Mustang Sally was beloved by rock-n-roll fans, as well. The ditty celebrated the Ford Mustang, as well as the fast girls who liked them.  

“GTO” by Ronnie and the Daytonas – Considered the first “muscle car”, the Pontiac GTO is detailed (really detailed) in this kind of whiny ditty only a true early rock fan could love.

“Little Deuce Coupe” and a variety of other automobile songs by the Beach Boys – No doubt about it, this sun-soaked surfer boy band of the 60s really really loved their automobiles, dedicating numerous great rockers to a variety of girl and car combinations.

“Mercedes Benz” by Janis Joplin – One of this great rockers last numbers before she passed away in 1970, Janis asks a higher power to buy her a Mercedes Benz with tongue-in-cheek.

Since rock-n-roll was introduced in the late 40s and early 50s, and the interstate highway system was launched in the mid-1950s, it’s only natural that creative musicians would start tying these new adventures together.  

Moving Into More Current Rock Songs About Cars

After the 1960s, rock numbers about cars continued to flourish, even as the rock-n-roll genre moved into bigger and more grandiose productions and took paths into new genres such as rap and hip-hop. Who can forget David Bowie’s “Always Crashing in the Same Car”, an homage to both road rage and possibly Bowie’s own struggle with depression. Other famous musicians who brought cars to life for us include:

“Cars” by Gary Numan – In America, Englishman Gary Numan introduced us to what is called “New Wave”, a heavily-electronic genre. Sadly, it was his only real hit on these shores, but it will get your blood moving.

“In the Death Car” by Iggy Pop – Talk about putting on a production, Iggy Pop played and sang (talked?) in a genre called Punk. Known for his theatrics, there have been a few numbers about autos in his collection, including “In the Death Car” and “The Passenger”, allegedly written after many hours on the road with David Bowie.

“Long May You Run” by Neil Young – So, Neil Young’s classic “Long May You Run” has been used over and over to cheer on various endeavors, including as a kind of ovation to the athletes who participated in the 2010 Vancouver Winter Olympics. But the song was an ode to Neil Young’s beloved Pontiac hearse, which sort of carried Young to his first kind of famous gig in Los Angeles when he and Stephen Stills formed Buffalo Springfield.

Too many to name? by Sammy Hagar – Not much to say here. Just kidding! All classic rock aficionados know and love the Red Rocker’s guitar and it’s especially appropriate when on the road to rock out to “I Can’t Drive 55” and “Trans Am (Highway Wonderland)”, only two of the many automobile tunes Sammy Hagar has contributed to our collective ears.

“Trampled Under Foot” by Led Zeppelin – This song, which goes into graphic automotive detail (and uses that detail to allude to some graphic, uh, other things) is a banner from the famous 70s rock band Led Zeppelin. Inspired, as were many rockers, by Wilson Pickett’s references to fast girls and fast cars, it’s also on ode to a Terraplane, which is a vehicle most of us have never heard of before.

“Highway Star” by Deep Purple – C’mon and just admit it. You cannot listen to this heavy metal, fast-moving, pulsing song without the blood moving a little faster in your veins! It’s the perfect upbeat tune – just be careful if you listen to it while driving that you don’t get a ticket, since the pounding beat may inadvertently make you exceed the speed limit.

“Red Barchetta” by Rush – Rush is known for drawing pictures with their ballads and people won’t be disappointed when they spend their time on a long drive listening to Geddy Lee’s high-pitched voice describing a futuristic time of no vehicles and a beautiful red hot rod hidden in a barn.

Before we come to the end of our list of best songs about cars, we would be horribly remiss if we didn’t at least mention three of the greatest: The Beatles, Willie Nelson and Bruce Springsteen.  

The Beatles’ Paul McCartney and John Lennon authored “Drive My Car” – as the first song on their album Rubber Soul. George Harrison contributed to the rhythm and Ringo Starr played drums…and cowbell? The Beatles had a wide variety of tunes related to driving and vehicles throughout their playing years together, but most people can sing every word of the infamous “Drive My Car”.

Now, some folks might argue that Willie isn’t rock, but those of us who love him understand that his “On the Road Again” is the soundtrack to any memorable road trip we’ve taken – or have yet to take – even if it skirts the edge of a country song. And Bruce – a dedicated rocker who has made no secret of his love for cars. Nothing against Hondas or Subarus, but just like Bruce’s “Pink Cadillac” our love is way bigger than that!

All of these very well-known rock stars and their tunes join a list that numbers in the thousands. There are too many to jot down here. As you plan your next trip, whether it’s a long and winding one or just down the street to the grocery store, you’ll have to make your own playlist to accompany you as you get behind the wheel of your own car.

Get Affordable Auto Insurance Online to Match the Best Rock Songs about Cars

Whatever type of music you decide to put on your playlist, make sure you are car insurance legal before you hit the road. At Freeway, we can hook you up with affordable coverage to meet your lifestyle. Reach out and get a free quote online, call us at (800) 777-5620 or check us out in person by rocking up to one of our convenient locations.

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Average Costs of SR-22 Insurance in California

You may have thought having your California driver’s license suspended was bad enough. That is until you are required to purchase auto insurance with a state-ordered SR-22 attachment in order to get it back. Now you are looking at an average 183 percent increase in your premium.

There’s no doubt that dealing with a suspended license and SR-22 insurance is expensive. Why is it so much, and what can you do to lower your rates?

Let’s take a look at some questions and information about what SR-22 insurance is and how you can get back on the road with cheap auto insurance rates.

How Much Does California SR-22 Insurance Cost?

SR-22 insurance in California costs on average between $800 and $1,600 per year. As with all insurance pricing, your cost will depend on a variety of unique factors, such as where you live (your zip code), how old you are, marital status, other characteristics and, most importantly, your driving history.

Most of the time, drivers who need to file this type of certificate with their Department of Motor Vehicles will be looking at double or even triple the amount they used to pay – a significant impact.

Note: The actual filing of the document usually costs a filing fee of $25-$40 and it is a one-time fee as long as you stay with the same carrier.

What is an SR-22?

Simply put, it is a proof of insurance certificate. In plain English, that means an insurer is letting the state DMV know that you have at least the required minimum amount of coverage in California by filing this certificate for you. California’s minimum requirements are:

$15,000 bodily injury or death one person

$30,000 bodily injury or death more than one person

$5,000 property damage

SR means “safety responsibility”. It means drivers should have insurance to be able to help pay for any injuries or damages they cause. Drivers who either do not choose to carry the legally-required insurance or those who behave in a reckless or egregious way behind the wheel are often asked to provide proof they are complying with the financial responsibility laws of their state. In California, this is done when car insurance companies file a certificate of financial responsibility on behalf of their customer.

Choosing to abide by your SR, or safety responsibility, when you drive helps avoid the expense of the resulting premium increase if you choose not to actively participate in your SR. Your policy will be re-rated based on your driving activity. This includes any DUIs, tickets, or serious driving convictions. This activity affects your policy premium in two ways: direct surcharge and overall risk profile.

Direct Surcharges for Tickets and Convictions

If you get a ticket, at-fault accident, DUI, or other driving violation, your insurance goes up for those events. Generally, each one will have a specific surcharge attached to it. Most insurance companies keep the high cost surcharge on your policy for three years.

Once you hit the three-year mark, the surcharge will “fall off” and not be charged at the next insurance renewal. This results in a drop in your car insurance rates as long as you don’t have other tickets or activity added.

Different insurance companies charge differently for tickets and activity. Talk to your insurer about how these charges are handled so that you know what to expect.

Overall Risk Profile

It’s no secret that someone with many tickets or accidents or other incidents is a more risky driver than someone without that activity. As a result, having to get an SR-22 will probably move you into a higher-risk category than you were in before and you’ll see a significant increase in your premium.

If you were in the standard or average category, a DUI and required SR-22 can easily move you into the high-risk category instead. That causes all of your insurance rates to be higher, even without the direct surcharge that comes from the activity itself.

Your risk category usually lasts five years, but a DUI can affect your risk for 10 years. That’s why SR-22 insurance can be more expensive long after the SR-22 is no longer required and the DUI has fallen off the direct surcharge list.

Why Do I Have to Have an SR-22?

California generally requires an SR-22 if you’ve been convicted of a serious driving offense. Check out the following reasons why someone might be required to file an SR-22.

Driving Under the Influence

A DUI conviction in California means you have been found to be driving with enough of some intoxicant in your system to be considered a danger on the road. This could be alcohol (a blood alcohol content of more than .08%), some form of pills or medication (even one that is prescribed), marijuana or some other illegal drugs, such as heroin or cocaine.

Note: Keep in mind that the standards for those under age 21 are far stricter than those for adults. California law (much like everywhere in the United States) has a zero tolerance law for drivers under the age of 21 (the legal age to consume alcohol).

A BAC of .01-.04% will see you lose your driving privileges for one year. It’s not considered a criminal charge and won’t put a DUI on your record.

A BAC of .05-.07% will put a DUI on your record as a criminal charge. You’ll lose your driver’s license and be required to attend (and be financially responsible for) a three-month DUI course.

A BAC of .08% or greater will see you paying thousands of dollars in fines, court-ordered fees, increased insurance costs, as well as days of jail time or juvenile custody, license suspension, years of probation and a three to nine month DUI course.

Driving or Getting into an Accident Without Insurance

Driving without insurance is punishable with an SR022 mandate. And worse, the normal rules of liability don’t apply if you get into an accident without coverage. Even if the wreck is not your fault, if the other motorist is legally driving and you are not, you could be sued by their carrier for damages, up to and including losing your assets, such as your home. And you most likely will need to carry a certificate for up to 5 years.

Reckless Driving

Reckless driving in the golden state is defined as driving in a way that disregards the safety of people and property. Is this subjective? It can be, but if a police officer gives you a ticket for reckless driving, you’ll be hard-pressed to fight about it and that will cost you money. Of course, getting an attachment on your license is expensive too, so you’ll have to weigh it out.

There are different ways to fall under the limits of carrying an SR-22, such as multiple at-fault accidents and other major violations.

How Long Do I Have to Carry SR-22 Insurance in CA?

In most cases, it’s 3 years. It can be up to 5 in serious instances.  It will be completely up to you to monitor your time. Nobody is going to tell you your 3 years is up. Once your time is up, you can notify your current insurer. They may lower your premium if your time has been smooth with no lapses and no additional citations. They may not lower your rate. Your best option may be to shop around for the cheapest companies, but be aware all carriers have a “look back” period of up to 10 years, so any place you go will know your recent driving record history.

Note: Do not let your policy lapse while in your SR-22 time. Your insurer is bound by law to report any lapse to the state. A failure to pay even one month could start your SR time over and cost additional fees. If you find you are in a situation where you cannot afford your payment, get in touch with your carrier immediately.

What If I Don’t Have a Car?

It can seem odd to have a required SR when you don’t own a car. However, it is possible! In some cases, you’ll need a non-owner car insurance policy that will allow you to show proof of financial responsibility to the state under these conditions.

Since it is cheaper, non-owner SR-22 insurance only applies if you do not have access to a car within your household.

Even without a car, this type of policy would allow you to drive rental vehicles and other cars you don’t own. Once you purchase a vehicle, you would then change your coverage to a traditional automobile policy.

How Can I Lower My Insurance Premium?

This is the question that the average driver has in mind when they ask about how much an SR-22 will cost. After all, most people don’t have a lot of extra money lying around to pay higher rates.

The good news is that there are many options to lower your insurance rates, including by being a safe driver with no traffic violations and qualifying for good driver discounts. Take a page from that book or check out these other discounts!

Take a Defensive Driving Course

The driving courses that the court will require you to take after a DUI, unfortunately, don’t qualify for an discount, but taking one voluntarily after you get your license back can. Defensive driving courses can make a big difference in your insurance rates, and the discount lasts one to three years. When it falls off, you can retake the class to renew the deal.

Combine Your Auto and Home Policies

When you carry multiple policies with one company, you may qualify for a multi-policy discount that lowers the premium on both types of insurance. It’s a great way to get lower rates!

Take Advantage of Multi-Car Discounts

If there are multiple cars in your household, putting them together on the same auto insurance policy can help you save money. Most providers offer a multi-car discount if you have more than one car with them.

Having multiple cars on one policy is generally less expensive than having an individual policy on each one, so be sure to ask for a quote.

Review Your Insurance Coverage

Insurers always want you to have appropriate insurance coverage, but sometimes changing the types of coverage on your car can make a big difference. For example, if your vehicle is older and you don’t have a loan on it, you might want to consider only having liability coverage.

If you want to continue with comprehensive and collision coverage, why not see how much you can save with a higher deductible? Often changing the deductible can save you a lot of money each month.

Install Safety and Anti-theft Equipment

A safer car is cheaper to insure, so make sure you let your insurer know about all the safety equipment you have installed. For instance, an anti-theft device can help lower the premium on your comprehensive coverage. Other equipment might reduce the risk of having an accident or getting injured.

When your carrier is aware of your car’s safety equipment, they can adjust the premiums accordingly.

Update How Much You Drive Your Car

It’s not a surprise that someone who drives less often is less likely to be in an accident. If you have limited driving habits, or maybe you are working from home now, it’s a good idea to let your agent know! Many companies offer a payment decrease for driving less than a certain number of miles each year.

Look Into a Variety of Discounts

Some insurance companies offer discounts for a variety of student statuses, federal affiliations, and membership. If you’re a great student — or have one in your household — that can lower your insurance premium. So can being a member of the military, a veteran, or holding specific memberships.

One of the simplest ways to lower your cost is to make sure you talk to your insurer about all of your affiliations so they can apply all the discounts you deserve. Affordable insurance can be a big part of getting back on your feet.

Get Cheap SR-22 Insurance in California with Freeway Insurance

Having a DUI or significant driving conviction is frustrating, and getting back on the road is a long process and hard work. However, the Freeway team is here to help. We don’t judge anyone because of their history; we want to help you get the insurance you need at the best rates so you can get back to driving safely.

If you need SR-22 insurance in California, contact us today. We can give you a quote, issue the SR-22 to the state, and update your policy to keep your premiums as manageable as possible. Over time, your premiums can improve as your safe driving history grows. Let’s get you back on the road today!

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Dealing with Car Rust on a Budget

You’re looking at your car that has served you well for several – or more – years and thinking it looks pretty good for its age. You’re happy with your car insurance costs since your ride is paid for and affordable. But wait, what is that spot near the bumper on the left side? You go closer, run your fingers over it and realize it’s a rust spot!  

Before you get frantic, understand that all items made from iron, such as the steel body panels on your prized possession, are eventually going to go through this process. Catching it early means you can likely fix it yourself before it spreads and causes more problems.

What is Rust?

It is a chemical reaction that happens when iron interacts with oxygen and converts into iron oxide. Iron oxide looks like a red, flaky substance and it will spread. Since we cannot get away from oxygen, and most vehicles today are built with a combination of iron and carbon, which forms steel, this is a common byproduct.  

You’ll find steel in about 65 percent of your vehicle, including parts of the steering, suspension, body, wheels, chassis and frame. That’s a lot of places where iron oxide can form. Luckily, we’ve come a long way since the 1970s, when automakers used a cheaper version of steel. As a result, automobiles began exhibiting telltale signs of iron oxide almost as soon as they became available to buy.

Today’s automakers are constantly tinkering with new combinations of components to make it less likely that your car will dissolve in front of your eyes. Adding aluminum, magnesium, nickel and chromium to the iron base can slow the natural degradation process down. Today’s steel comes from the plant with a coating designed to slow down the effects of degradation. Modern vehicles are also given a bath in anti-corrosion agents before painting.

However, if you are the type of owner who likes to keep their vehicle for many years, you need to be vigilant with your maintenance. Nothing is foolproof against this natural process.

Factors that Cause Rust Damage on a Car

As we mentioned, the mere interaction with oxygen can cause it to begin forming on steel and other iron byproducts. But there are some things that can hasten the process, as well as steps people can take to slow the process down.  

In some parts of the United States, the normal environment may have a lot to do with it. Even sunny and dry areas of the country will eventually see a breakdown in the protective coating after prolonged exposure to UV rays.

But salt and cold can really hasten it. In the north, salt is used extensively on the roads to help make traveling safer during winter months. People who live near saltwater, such as the beach or on the coast, deal with salt air corrosion.

Salt in the Environment

When the road salts begin to dissolve as temps climb, it becomes an electrolyte. Electrolytes are known to speed up chemical processes, which enables damage to happen faster. Seawater salt is just insidious. It’s always present in the environment and can become a corrosive force even as far as 50 miles inland.  

Whether you live in the north or on the coast, you can help slow this process down by rinsing your vehicle often. Northerners drive through a slushy mix of dissolved salt and other particles that can get trapped within the parts of the auto. People who enjoy those saltwater breezes also need to wash and rinse everything they own that is composed of steel and other metals to slow down the process.

How to Avoid It

You can do a lot to avoid the issue by just washing and rinsing your vehicle on a regular basis and maybe more frequently in the winter. In fact, many of today’s car washes have special tools for cleaning the undercarriage, which is just as important as the visible areas when dealing with corrosion.

If you are buying a used car, be sure and check everywhere for tell-tale signs of corrosive damage.

How to Fix Rust on a Car

As we mentioned, being vigilant – especially if your ride is “of a certain age” – is key. There are three stages experts use to describe the process: Surface, scale and penetrating. You’ll want to catch it early for the cheapest DIY fix, as well as to prevent further damage.

Surface Rust Damage on Your Vehicle

This is the easiest to fix and may first be spotted in places where the paint has been scratched or in cracks. Here are the steps to fix the issue.

Remove the paint and corrosion on the affected area with sandpaper (or an abrasive tool or sanding block if you have one) until you see clean metal. Wipe the area with warm soapy water and dry.  

Apply a rust repair inhibitor, which helps to convert iron oxide into a more stable and resistant compound.

With protective gloves, apply a rust repair converter in a thin layer. Pour your converter into a disposable container rather than double-dipping from the bottle (accidentally getting rust in the bottle will ruin the contents). Wait 15-30 minutes for it to dry before adding a second layer and giving it a good 30 minutes to dry.

Apply primer and allow to dry for 24 hours.

Paint and clear coat, then buff. If the spot is not in a visible area, you can skip this step.

Scale Rust

At this point, you may be dealing with damage that can compromise the metal strength, so it’s imperative that you take steps to repair the surface. This type of iron oxide leads to an exposure of the base metal, which is then vulnerable to corrosion.

Use a wire brush to get through the damage, then a grinding wheel and sandpaper to get to bare metal in the repair area. Make sure the area is rough so your sealant will stick. If your spot is in a non-visible place, you can seal it up with a converter and be done.

If your spot is in a visible place, you may want to smooth it out in the next step with a body filler, such as Bondo. Keep in mind, body filler hardens quickly, so you’ll want to only mix as much as you think you will use within 10 minutes. Spread it on with a utensil and leave a little on the top for sanding. Let your filler fully dry for 30 minutes before moving on to the next step.

Smooth out the top and add an inhibitor (make sure it is compatible with your filler) and seal with primer. Paint and clear coat, the buff.

Pro Tip: You can find the paint code for your auto at a site such as Automotive Touchup. Purchase both the base coat and clear coat in small, touch up paint quantities. Unless you are a pro with a paint gun, use an aerosol spray or let a professional help you with the paint job.

Penetrating Rust

When the problem reaches this stage, you’ll see actual holes in the metal and it becomes brittle. If left untreated, it could lead to a dangerous situation, such as a weakened frame. This actually is not an easy, cheap DIY fix, unfortunately.  

You shouldn’t attempt to fill these holes with body filler. You can replace the entire part or panel or you can cut the affected parts out and weld patches into place.

Neither one of these options should be done by an amateur. In fact, you should probably let the skilled professionals at a body shop do the work. Keep in mind that when you’ve got this issue, you may have a compromised automobile – and that’s a serious safety hazard. Let the pros handle it.  

What Does it Cost to Fix Rust on a Car?

If you catch it early enough, you’ll be out a little bit of money for some supplies, plus your time. It’s definitely worth it to fix the damage while in the early stages. If you don’t and it moves into the later stages, it may not be worth the cost to fix it, depending on the age and value of your ride.

Stay on Top of Important Auto Maintenance with Affordable Insurance

Although your auto insurance policy won’t cover damage caused by negligence or the environment, you still need to have an affordable plan to drive legally. Freeway can help with that. Get a fast and free online quote, call us at (800) 777-5620 or stop in one of our convenient locations today.

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Why Cleaning Your Car Air Filter is Important

What if you could take a simple DIY step that may save you thousands of dollars down the line?

That’s what happens when you clean the engine air filter in your vehicle on a regular basis. Your engine needs clean air to be its most efficient.  

In a worst case scenario, leaving it dirty can affect critical items by allowing grime and other foreign objects from the environment to infiltrate the system through the air intake. This can damage the pistons and carburetor. A trip to the repair shop due to your neglect is an expensive proposition and one that won’t be covered by car insurance.

Less expensive issues caused by neglecting this component could mean the dust, pebbles and dirt may cause your engine to work harder and decrease your gas mileage. Cleaning it yourself is rated as an easy car maintenance task. Keep in mind that the drying portion of this takes up to 24 hours, so plan this project for when your vehicle will be parked for that long. Let’s take a look.

Remember: Always check your owner’s manual before starting any type of work on your vehicle.

What is a Car Air Filter?

They come in a variety of shapes, sizes and materials, but they all have one function: To keep the engine free of potentially dangerous debris.

Your ride is an amazing and complex collection of parts that all have one function: to get you from point A to Point B. One of the most humble parts is the air filter. It’s function is to ensure clean air moves through the system, benefitting the automobile itself, as well as the people inside. That’s why cleaning it is important.

Early versions were paper filters. These are still available, as well as ones made from cotton, foam and cotton soaked in oils. This is why you may hear people refer to them as either “oiled” or “dry”. There is a difference in how these are handled when it comes to your DIY cleaning.  

All are mounted on a frame, which also may come in a variety of materials, such as plastic or rubber or, in some cases, metal. Plastic and rubber frames are designed to produce a seal so the owner doesn’t need to purchase or install separate gaskets or seals.

When to Change and/or Clean

Here are some guidelines for changing and cleaning based on material. In between recommended changes, cleaning should be done for enhanced performance.

Dry filters: These days you’ll find these are mostly foam and should be cleaned or replaced every 15,000 miles. You can increase those cleaning intervals if you live in a dusty area or more polluted areas, such as a large city. Dry ones can be cleaned with soap and water.

Oiled filters: These come in brands such as K&N and only need cleaning roughly every 50,000 miles or when you can no longer see parts of the screen. You’ll need to use something other than soap and water on these. There are specialty cleaning solutions for oil coated filters and they should be re-coated with specialty oil.

Never use a petroleum based product, or solvents or kerosene, to clean these screens. These can damage it.

Disposable or Reusable?

Car owners have a choice of installing disposable or reusable. Manufacturers of reusable lines claim they last much longer although some experts claim the difference is negligible and they cost significantly more. Disposables are cheaper and, as long as both are clean, they provide approximately the same service.

The keywords here being both need to be kept clean in order to do their job efficiently.

What is the Difference Between All the Filters?

There are 4 primary screens in your vehicle and all have an important function. Here’s a look.

Cabin: This acts as a buffer between the people in the vehicle and the air coming through the heating and air conditioning system. This helps clean dust, pollen and other matter before it gets to you.

Fuel: Works to keep impurities out of the fuel and helps to maintain the performance and longevity of the equipment.

Oil: An important part of the system since it keeps particulates from polluting the oil, which keeps the engine running smoothly.

Air: The one we are concerned with in this article. It helps provide clean oxygen for the combustion process��your engine needs to start.

How Much Does it Cost to Clean a Car Air Filter?

The only cost associated with this process is your time and the negligible amount of soap you use. If you are replacing it, you can expect to spend anywhere from $15 to $25. If you choose to take it to a repair shop, a mechanic may charge you anywhere from $20 to $40 to change it out. You may also choose to buy a kit, which typically costs between $15 and $25.

4 Steps to Clean the Car Air Filter

If you are not in the least bit mechanically inclined or just don’t want to mess with it, take your auto to a mechanic to have regular maintenance, such as installing a clean one. Many people do this when they get their oil changed.

However, if you don’t mind tinkering under the hood a little, washing it is really pretty simple. It only takes 4 steps. Some things you’ll need are a bucket and some dish soap, cloth, screwdriver and a vacuum cleaner.

Make sure your vehicle is parked on a level surface with the parking brake engaged and the engine is cold.

1. Locate and Remove the Filter

Typically, it is a black plastic box either side of or on top of the engine. The housing may be fastened with screws, clips, clamps or wing nuts. Open the box and remove the dirty filter. Wipe down the housing with a damp cloth.

2. Prior to Washing

Gently tap it to remove any larger pieces of dirt and debris. Next, vacuum it to remove anything between the pleats (don’t vacuum so hard that you tear it). Some vacuums come with a special hose attachment for this purpose.

3. Wash, Rinse and Dry

Mix warm water and dish soap in a bucket and submerge the filter. Gently swish it around for a few minutes. If possible, rinse it in a sink so you can control the water pressure. Shake off excess water.  

It’s critical that you do not install a wet one back in so you’ll need at least 24 hours for it to completely dry. The best way is to lay it in the sun to dry.

4. Reinstall

Place it back in the housing and ensure all fasteners are tightened or clipped. And that’s it!

What are the Signs I Need to Clean the Air Filter?

Just like with most vehicle issues, your automobile will let you know if you’ve dropped the ball on some part of necessary maintenance. Luckily, you should see signs long before it becomes an expensive repair at the shop. Here are some common signs.

Engine performance issues: These could take the form of a loss of normal power, such as when accelerating. You might hear strange noises or smell an unusual odor. This could include stalling, which is a serious sign you need to take action. Your check engine light may come on.

Black smoke from the tailpipe: Black smoke from the exhaust signals a problem with the fuel/air mixture. This is a sign that your vehicle is in trouble and you need to take action.

Gas mileage decrease: If you’ve noticed you are visiting the service station to put gas in your auto more often, it could be a signal something is wrong.

In situations where your ride is trying to tell you something, it’s best to pay attention. If you don’t attend it now, you surely will later. This is one reason why it’s important to get service history records from any previous owners. And if you are a car owner who may sell your vehicle in the future, keep your service history, whether you do it yourself or take it to a shop.

Keep in mind, also, that if your automobile develops a problem while still under warranty, you may not be able to get it fixed for free if you cannot prove you have kept up with all recommended maintenance.

Protect Your Auto with Affordable Insurance Too

At Freeway Insurance, we are invested in making sure your auto is protected while on the road. Keeping it maintained is one way you can extend the life, and in addition, finding affordable insurance is another way to protect it. Get a fast and free quote online, call us at (800) 777-5620 or visit us today.