What ends up on your insurance bill depends largely on both what you drive and how you drive… as well as other things related to your overall life. Here are the most common things that affect the price of your auto premium. KEY FACTORS RELATED TO WHAT YOU DRIVE: Safety ratings Vehicle safety ratings are determined through tests and evaluations by the auto industry and the National Highway Traffic Safety Administration. Insurance companies supplement that information by collecting large amounts of data from customer claims. Safer vehicles are often less expensive to insure. Insurance companies carefully track data on vehicles to determine which makes and models are more prone to mechanical or safety issues. Cost of maintenance and repairs Information about the cars that are cheapest to maintain and service can also be a good indicator of the most-affordable cars to insure. Vehicles that have lower reliability ratings can be a warning light of potentially higher insurance costs, because insurance companies take the data about maintenance and service of specific models into consideration when determining premium rates. You may think a smaller car means a smaller insurance premium. But not so fast. In an accident, larger vehicles tend to fare better – and keep occupants safer – than smaller vehicles. That can translate to lower premiums for a larger vehicle. If your car has an alarm, a tracking device to help police recover it, or another theft deterrent, it's less attractive to thieves… and less expensive to insure, too. KEY FACTORS RELATED TO HOW YOU DRIVE: It’s not just about the car, but also the driver. Here are some key ways how you drive can factor into insurance pricing. Are you a road warrior, or a homebody? The difference will show up in your premium rates. Someone who drives only a few miles a week will likely pay less for auto insurance than someone who covers hundreds of miles most weeks. It just makes sense, the more time on the road increases the chances of being involved in a crash or sustaining damage to your car. Your credit history Research has shown that good credit is connected to good driving – and vice versa. Certain credit information can be predictive of future insurance claims. When permissible, many insurance companies use credit history to help determine the cost of car insurance. The bottom line: Good credit can have a positive impact on the cost of your car insurance. Crash rates are higher for all drivers under age 25, especially single males. Insurance prices in most states reflect these differences. If you're a student, you might also be in line for a discount. Most car insurers provide discounts to student-drivers who take driver-safety training and start building a safe driving record. One key factor that goes into insurance pricing is largely out of your control – at least in the short-term. That’s where you live. Generally, due to higher rates of vandalism, theft, and crashes, drivers in more densely populated areas may pay more for car insurance. If you do live in a higher cost insurance area, make sure to pay close attention to the other factors that you can control. An ERIE agent can help. Car-Lotta reminds you that doing your homework makes a difference It’s no fun getting an unexpected surprise about insurance costs. Doing some homework upfront about potential auto insurance rates, you can make informed decisions and better understand why your rates go up or down.
In general, your auto will usually need a new battery after three to four years. Replacing your battery is another part of routine maintenance. Getting your battery checked and inspected is standard for your service visits after three years, even if you haven't needed it replaced yet. To help the life span of the battery.... TURN OFF ALL ELECTRONICS BEFORE YOU TURN OFF YOUR ENGINE Your battery’s primary function is to provide the power needed to start your engine. Once your engine is running, it acts as a generator that supplies power to your battery. If your air conditioning is left on when you turn off your car, the next time your turn your key in the ignition, you’re tasking your battery with starting the engine AND starting the AC, which puts an added strain on your battery. For the same reason, unplug external electronics like cell phones and iPods before you turn off your engine. DON’T RUN ANYTHING ELECTRIC WHEN YOUR ENGINE ISN’T RUNNING Your battery is made to start your car, not to power your headlights and radio. If you’re sitting in your car waiting for someone and you need your headlights on or want to listen to your radio, just keep your engine running so that it generates the electricity to power your battery. KEEP YOUR BATTERY TERMINAL CORROSION-FREE Even if you have no idea what’s going on under the hood, you can easily identify corrosion on the battery—it’s a chalky white buildup. Clean it off with baking soda mixed with water: dip an old toothbrush in the baking soda water and scrub the terminal clean, use a water spray bottle to rinse the terminal, then dry with a clean cloth. Be sure to wear rubber gloves when doing this—they call it battery acid for a reason. PARK IN A GARAGE WHENEVER POSSIBLE Extreme heat and cold can both drain your battery’s power. INVEST IN A BATTERY TENDER If you don’t use your car for extended periods, invest in a battery tender. An idle battery slowly loses its charge. To keep an idle battery at full capacity, it should be charged every six weeks. The cost of a battery will vary based on the year of your vehicle, model and who you’re purchasing the battery from. On average batteries for newer vehicles cost anywhere from $80 to $150. Premium batteries for luxury vehicles can run as high as $200. Keep in mind, that cost doesn’t include installation or your mechanic’s labour. A reputable mechanic shop will probably charge an average of $70 for installation.
We all know it- Auto prices have reached an all-time high since the COVID-19 pandemic began. In November 2021, the average used automobile cost 41% more than pre-pandemic. Fortunately, car prices could return to normal sometime this year. Conditions will gradually improve throughout 2022. If you have a used car to sell, we recommend that you do it sooner rather than later to get the best price. If you’re looking to buy a used car, uyou may want to hold off for as long as you can into 2022. If you can wait until early next year, you’ll be even more likely to get a deal (or at least a fair price).
Winter fog forms on the inside of windshields and windows due to warm, humid air lingering in vehicles as frigid winter temps cool the glass from outside. You can wipe away this fog as a quick solution. To clear your view more quickly from the inside, put your AC on full heat and direct the air as fully as possible onto your glass surfaces. As the air from your heater warms, the air will be able to remove and evaporate more of the moisture collected on your glass. You can also try turning off the air recirculation mode . This pulls dry air in from outside your vehicle instead of recirculating the humid air trapped inside. Car-Lotta reminds you that if you'd rather avoid the hassle of fog altogether, there are plenty of inexpensive products available that ensure you won't have to deal with fogged windows on a busy morning ever again.
Winter driving may get tricky. Having certain items like blankets in your vehicle can help keep you warm in case you get stuck. Did you ever think about storing other accessories that fit with winter appeal? Gloves are a good essential that you may want to keep in your car to keep your hands from freezing whether you’re remaining inside your vehicle or having to step outside.Keep an extra set as your backup in the case the other goes missing or soaked. Water-resistant ones are a plus. Other good winter gear to store includes an extra hat and a scarf and perhaps a pair of snow pants or boots. Car-Lotta wants to know.... What winter-related items do you keep inside your automobile?
Did you kow that if you are involved in an accident in Pennsylvania with a deer your insurance company cannot add a surcharge to your premium? Under Pennsylvania state law, crashes involving deer are considered not-at-fault accidents, and insurance companies cannot add a surcharge to a policyholder’s premium as a result. This does not include drivers that do not come into contact with a deer. Early winter months have the highest rates of accidents involving deer. Pennsylvania had the second highest rate of auto accidents involving deer in the country. Pennsylvanians have a one in 70 chance of being involved in a deer-related accident. Deer are most active at dawn and dusk, according to the Pennsylvania Game Commission. Now that Daylight savings time has ended, more drivers will be making their daily commutes during these peak hours. To report a dead deer for removal from PA state-maintained roads, you can call the Pennsylvania Department of Transportation at 1-800-FIX-ROAD.
Will You Be Traveling For The Thanksgiving Holiday?
Mon, 22 Nov 2021 13:00:00 +0000
Car-Lotta reminds you to.... 1. Plan Ahead Before you start your trip, make sure your vehicle is in good shape for travel. This is especially important for winter driving conditions. Check the weather before heading out to ensure the roads are safe to drive on. And don’t forget a windshield scraper! 2. Stay Fresh And Alert Make sure you’re well-rested before a long drive. A study carried out by The National Highway Traffic Safety Administration (NHTSA) discovered that, from 2009 to 2013, 72,000 crashes, 44,000 injuries, and 800 deaths were attributed to driver fatigue. Plan the trip so you share the driving and take regular breaks to avoid drowsy driving. 3. Mind Your Speed Give yourself plenty of time and distance to react to the traffic around you. For every one percent increase in speed, a driver’s chance of an accident increases by two percent, the chance of serious injury increases by three percent, and the chance of a fatality increases by about four percent. 4. Drive Defensively Put the safety of everyone in your car first by letting impatient and aggressive drivers pass you or go through the intersection ahead of you so that you control the situation. 5. Don’t Drive Impaired If you plan to drink, don’t plan to drive. Use a designated driver when you have a couple of holiday refreshments is always the safest choice. 6. Avoid Distractions Sending or reading a text takes your eyes off the road for five seconds. At 55 mph, that’s enough time to travel the distance of an entire football field. Driving requires your full attention. When you’re able to do so safely, pull off to the side of the road or find the nearest rest stop when you have to use your cell phone. Happy Thanksgiving from everyone at Car-Lotta Car Sales. Our offices will be closing at 5:00 on Wednesday, November 24th and CLOSED on Thursday, November 25th
One of the most important safety features of your vehicle, your headlights ensure that you can see and that other drivers can see you. Effectively using your lights is key to staying safe on the road. It's common sense to turn on your lights when it’s dark out. Did you know that there are other situations when you may want to use your lights? It may feel unnatural to turn on your lights during the day, but there are some conditions that warrant the use of your lights. Inclement weather such as snow, rain, fog and sleet can reduce visibility and make it hard to see and be seen. Using your lights during these conditions can keep you and your passengers safe when the weather turns bad. Car-Lotta reminds you to keep an eye on the sky for changing weather conditions. Storms can quickly roll in and make the sky dark as night. Winter can bring sudden snow squalls and blowing snow that can produce whiteouts and reduce your line of sight.
Daylight saving time began this past weekend. It has gotten easier since the smartphone has replaced so many wristwatches and can access the internet. In automobiles, GPS-linked navigation systems often change the time automatically in the same way. Many folks still have a clock in their car that not only needs adjusting manually but is often the most complicated function in the entire Daylight Saving Here is a link https://cartelligent.com/blog/setting-your-cars-clock-back-daylight-saving-time/ with instuctions for changing your auto clock on some popular makes. Just find your brand in the alphabetical list below, follow the directions to change your clock.
Do you ever wonder why people are in a hurry? Here are the five most popular reasons we found: The roads were not congested, so I felt it was safe to drive faster than posted speed limit. I’m a good driver, so I felt I could drive safely, even at high speeds. It seemed like there was far less law enforcement out, so I felt I could speed without getting a ticket. In general, I think posted speed limits are slower than necessary and I prefer to drive faster. The empty roads were a good opportunity to see how fast my car could go. Car-Lotta Car Sales reminds you to Drive At A Safe Speed. One in four crash fatalities can be attributed to someone driving too fast.
Does Falling Back For Daylight Savings Time Affect Your Driving?
Mon, 25 Oct 2021 12:00:00 +0000
Do you suffer from Drowsy Driving as a result of the twice-a-year time change? Daylight Saving Time ends at 2 a.m. on Sunday, Nov. 7, 2021, when the clock will “fall back” one hour. There are several things you can do to keep yourself and others on the road around you safe. Pull over if you feel drowsy or sense your reaction time is impaired. Some warning signs of drowsy driving are yawning, heavy eyelids, tailgating, drifting into other lanes, and an inability to recall the past few miles of driving. Spend a little extra time in bed. Get to bed earlier at night or sleep a little later in the morning for the week following the time change. Travel with someone. Carpooling can save you money and help keep you alert and awake during your drive. Remember that there may be other drowsy drivers on the road whose reaction time may be slower than normal. Give lots of room and use patience at intersections. Most of us can use some additional instruction in safe driving practices to help us build safer driving habits. Car-Lotta reminds you that not only does safer driving save lives, but it could also save you money on your auto insurance premiums.
Now that the days get shorter, you will likely be driving in the dark more. You should make sure to keep your headlights clean and in proper working order. Dim or misaligned headlights can decrease your visibility. Watch for pedestrians walking, jogging or biking. They may be difficult to see at night if they are wearing dark clothing. Be mindful of children walking to and from bus stops in the morning and afternoon. Car-Lotta remnds you that autumn weather can be unpredictable and conditions can change drastically within a matter of minutes. Be Prepared!
You should always keep a pair of sunglasses in your vehicle. Sunrises and sunsets can be very brilliant. The bright sun often creates a large amount of glare, making it difficult to see other vehicles, the roadway or the road's shoulder. Wearing sunglasses reduces any danger.
When you’re looking for the best place to buy tires, there is certainly no shortage of options. There are warehouse clubs, online tire merchants and independent tire retailers. The prices and quality of service can vary. To determine which place is ultimately the best choice for purchasing your next set of tires, you should take a close look at the following factors: Cost of Tires Cost of Installation Selection of Tire Brands Services and Aftercare Car-Lotta reminds you that it is important to keep up with regular tire maintenance, know when your tires need to be changed and plan ahead. You will likely find more deals just before the seasons change around April and October.
Roadside assistance can help you get back on the road if your vehicle breaks down. Most auto insurance policies include this option When you call roadside assistance, they will dispatch the service provider that's closest and most appropriate for your situation. When you're stranded on the side of the road, a roadside assistance program will connect you with the right professional — whether you need minor repairs, gasoline or something else. Towing service providers will take your car to the nearest mechanic up to a specified distance. If you need your car towed past that limit, the provider will charge you for the overage. Battery jump-start service providers will restart your battery if it's dead. Flat-tire service professionals will replace your flat tire with your spare. Lockout service and locksmith service helps you get into your car if you're locked out. Fuel-delivery service providers will deliver enough fuel to get you to the nearest gas station. Extrication which is the process of moving a vehicle when it's stuck. If you already have access to free services, you should take advantage of them. Some credit card issuers and car manufacturers provide their own free services —
Wet leaves, fog, sun glare and frost are a few driving hazards you may encounter this fall Car-Lotta reminds you that weather can change quickly from warm to cold, causing roads to ice over overnight. Drive slowly and brake gently when driving across overpasses and bridges.These surfaces tend to frost over before others. Be aware of spots where black ice forms on the roadway and drive carefully through these areas. The first day of Fallis Wednesday, September 22, 2021.
Do You Have These Discounts On Your Auto Insurance ?
Mon, 13 Sep 2021 12:00:00 +0000
We are always looking for ways to save. Car-Lotta has put together a list of the potential discounts you may or may not be aware of. Safe car discount. If your car has anti-lock brakes, day-time running lights, or air bags – you qualify for a discount. If you qualify for 2 or 3 of these discounts, the savings are extremely high. Driving record discounts. There are insurers that will give a discount for no traffic tickets within 3 years. Having no car accidents in the last 3 years shows to an insurer that you're skilled at avoiding accidents and your care while driving. Did you know that where you park your car matters? If you live in a qualified postal code or neighborhood without a lot of thefts, you may save even more! Reports indicate that 45% of major insurers unfairly hike up loyal customers’ rates just to maximize profits – insurers call it “price optimization.” This means your insurer will keep barely increasing your rate so it's statistically unlikely that you'll leave – this way your insurer makes a higher profit. Fight back !! To get the biggest savings remember to compare rates from a several licnesed insurers.
Most Americans celebrate Labor day as the symbolic end of the summer. Labor Day is (or was) considered the last day of the year when it is fashionable to wear white. Most area school districts that started summer vacation in mid June will resume school near this day. The first Labor Day in the United States was observed on September 5, 1882, in Boston, by the Central Labor Union of New York, the nation's first integrated major trade union. It became a federal holiday in 1894. Singed into law as a National Holiday by Grover Cleveland. All Car-Lotta Credit locations will be closed Monday, September 6 th in observance of the holiday. We will re open on Tuesday, September 7th at 9:00 am
Did you know that each year more than 56 million children travel from their homes to attend school by walking, biking, and taking the bus. Every driver must take precautions to account for increased traffic and dangers as children return to school. Roads will become congested during peak times, and school zones have become one of the leading causes of injuries and deaths for school-aged children. It is essential for drivers to practice safe driving habits when traveling near school zones to ensure You need to be on high alert during the time periods between 7-8 A.M. and 3-4 P.M. since these are typically the times when children are travel to and from school. Accident prevention requires all drivers to pay special attention when driving in or near school zones. Here are five of the most important points to remember when driving near schools or playgrounds this year! Be On The Lookout For School Zones Expect More Traffic In School Zones Reduce Driving Speeds In School Zones Watch Out For Pedestrian Crossings Stop For School Buses Car-Lotta reminds you to pay attention as you drive near school zones and be sure to follow the general rule of thumb is to yield and give pedestrians and buses the right of way at all times. If you stay alert and focused, you can keep yourself and everyone around you safe this school year!
Traveling with a baby can be daunting, if not frightening. We've curated a collection of the best advice received in the hopes that it may help others embarking on a trip with someone under 1 year old. Remember to check with your pediatrician ahead of traveling for the most appropriate recommendations for your child. Below is a list we hope will help you on your f journey with baby—hopefully making it a little less daunting and, if you’re lucky, blowout-free. TRAVEL BASICS WITH BABY: Take as little gear as possible. Rent gear in your destination whenever possible. Sometimes shipping it is even an option. The lighter you travel, the easier it will be. Allow yourself at least twice as much time as you think you’ll need. Avoid jam-packing itineraries and know when to abandon or shift a plan in real-time. (Flexibility will make everyone happier). Only bring enough diapers and wipes for getting from Point A to Point B.Purchase diapers and wipes once in your destination Pack at least two changes of clothing for baby AND yourself in a carry on. Bring a portable changing pad. Don’t assume changing tables will be available everywhere. Pack extra zip-lock bags or a trash bag for soiled clothing. Bring hand sanitizer and wipes to sanitize any public seating areas for baby. Don’t forget the infant Tylenol and gripe water. You never know when you might need either in a pinch. Pack pre-portioned bottles of formula or breast milk in a small cooler bag. Bring whatever will keep your baby engaged and amused during awake time while traveling—even if it means relying on your phone ! When gauging how long it might take to get from Point A to Point B, be conservative -- as stops may take longer than you anticipate. Maximize your drive time by scheduling the departure so that it coincides with baby’s bedtime or right after a big feeding. Plan your stops wisely. Enjoy the slower pace a baby brings.
No matter where your road trip takes you, it's essential to develop a plan to make packing easier. Consider using a packing checklist, and try to avoid packing at the last minute to avoid any frustration so that your trip goes off without a hitch. Where do you start when it comes to packing you car? There are multiple things you should consider when packing your vehicle. First is safety. When you’re packing you don’t want to pack up too high in the back. You don’t want to lose visibility through your windows. You should secure loose objects in the back end of the vehicle. If you have to hit the brakes hard, loose items may cause a problem. Trunk organizers can help secure loose items while also providing help with keeping organized. Pack an overnight bag that's accessible if you have multiple stops on your trip. This prevents you from unpacking the entire vehicle for a quick hotel stay or night camping. Be prepared for any situation that arise. Pack an emergency road kit, first aid kit, and extra device charger. Digital navigation is great but if you’re in a remote area and lose service a paper map can help get you to your destination. Ready.... Set.... Travel Safe!
Used vehicle prices are unbelievably high right now.This means there may be a real opportunity for car owners who want to capitalize on the used vehicle market by putting their cars up for sale. If you have a used vehicle you don’t need, now’s a great time to test the market. Are you wondering what your used vehicle is worth right now? Plug your car’s information into Edmunds.com’s Online Appraisal Tool. In a matter of seconds you will receive an offer for you vehicle. Did you know that Car-Lotta buys vehicles??
Some people keep the inside of their vehicle clean, tidy, and organize. Others seem to have a little bit of everything within reach of their driver’s seat. No matter which category you fall into, we thought you should know there are a few things you should NEVER leave in your vehicle. Children. When temperatures outside climb, so does the temperature inside of a vehicle. It’s been found that when it’s 80 degrees outside, the internal temperature of the car can reach 150 degrees or more. This can be dangerous, even deadly, to babies and children. Pets. Leaving them in the car while you make a quick stop, even after cracking the windows, can be deadly for the animal. The inside of cars can reach over 100 degrees very quickly, especially when parked in the sun. Without a way to cool themselves down or escape the heat, you could be risking their life. Valuables and personal belongings including your phone, wallet, purse, important documents, jewelry, expensive clothes, and other valuables. The most obvious reason is that visible valuables can be tempting for a thief. Bottled water. When bottles water is left for long periods of time, a typical plastic bottle may contaminate the water inside with BPA, which is the substance used to manufacture water bottles. It’s best to bring a new bottle with you on each trip. Medication. Most medications need to be kept at room temperature. Leaving them in a hot/cold vehicle may alter the medication and make it ineffective. Hot and cold temperatures can cause moisture, which may also negatively affect the drugs which most likely won’t make them unsafe, but they may no longer work as expected. Aerosol cans. When heated to a high enough temperature, aerosol cans are likely to expand and explode, destroying your vehicle’s interior and potentially, the exterior. Electronics. Most electronics that run on batteries can overheat in a hot vehicle, which can affect or damage the overall battery life of the device, and potentially even damage the device itself. Visible electronics are attractive to thieves. Sunscreen. It may protect you from the sun but prolonged exposure to heat can break down the ingredients in sunscreen, making it ineffective. Depending on the type of container the sunscreen is in, it could also explode.
We believe the single most important step you can take to protect the life of your teen is to be actively involved in the learning-to-drive experience. Sharing your knowledge and experience about safe driving is important. Now is the time to begin a potentially life-saving dialogue with your teen. Here are some important actions you can take: Evaluate your teen’s readiness. Talk with them about personal responsibility, the ability to follow rules and any other concerns before beginning the learning-to-drive process. Before you begin practice driving with your teen, include strict ground rules related to distraction. A lot has probably changed since you earned your driver’s license. Graduated driver licensing, driver education, license restrictions and supervised practice driving are all part of today’s licensing process. It is important to learn the rules. It is never too early to start talking. You have acquired “road wisdom” over the years that you can share, because it could save your teen from having to learn things the hard way. Focus on safety. Traffic crashes are a real danger. Talk to your teen about: Always buckle up and be a safe passenger with teen and adult drivers. Prohibit your teen from riding with teen drivers or transporting other teens during the learning-to-drive process. Other teen passengers are one of the most dangerous sources of distraction for teen drivers, whether due to loud music, rowdy behavior or peer pressure. Be engaged. When you’re behind the wheel, talk about what you see (road signs, pedestrians, other vehicles, etc.) that could result in the need to change speed, direction or both. Stay involved. Practice supervised driving until your teen logs at least 100 hours. Your teenager might obtain an intermediate driver license before completing 100 hours of practice driving but this does not mean your teen driver no longer needs to practice. Solo driving is actually the riskiest phase for your teen, so stay engaged. The more time your teenager spends behind the wheel, the more experiences you’ll both have to talk about, such as dealing with tailgaters, distractions, speeding, poor weather conditions and more. Emphasize the dangers of these common hazards. Be a good role model. Your teen has been watching your driving habits for years. When your teen begins the learning-to-drive process, their focus will likely increase. Make changes in your driving to prevent any poor driving habits from being passed on. Show you take driving seriously and always set a good example. Car-Lotta reminds you to... Always wear your seat belt. Obey traffic laws. Do not use a cell phone while driving. Watch your speed. Don’t tailgate. Use your turn signals. Don’t drive when angry or tired. It’s no secret that parents play a critical role in the learning-to-drive process, from checking into state licensing processes to supervising practicing driving. With all the details involved in getting your teen safely behind the wheel, NOW is a good idea to have a game plan.
Are You Affaid Of Being Overcharged When You Get Your Car Serviced?
Mon, 19 Jul 2021 12:00:00 +0000
Face it ....most of us have a fear of being overcharged when we get our automobile repaired. We’re not sure how much parts and labor should cost, and the repair bill seems written in foreign language. Our confusion has led to the common misconception that mechanics are always trying to rip us off. The majority of mechanics are honest, hardworking businessmen who aren’t out to swindle anyone, they’re just trying to make a living like the rest of us. Their business relies on their reputation. It’s in their best interest to keep everything above board when it comes to prices. Where do you get your auto serviced??