Posts Tagged ‘vacations’

Tips To Stop Car Thieves When Driving On Your Holiday

Tuesday, March 9th, 2010

In these difficult financial times most folks need vacations more than ever. And people also want to save a lot of money if they can. One economical solution is to take the family car and drive to and from your holiday destination instead of flying.

If your plan is to drive, it may also make sense to take a number of steps to protect yourself and family from auto theft. Having some car thief steal your car or your luggage, and other items of value in your trunk could really disrupt what was supposed to be an enjoyable and fun-filled trip.

Even if you take all of the numerous precautions to prevent auto theft when you travel, very determined professional car thieves can still manage to steal any vehicle if they want it badly enough. Can you remember the car theft action movie Gone In 60 Seconds starring Nicolas Cage? However, you can still dramatically reduce the odds of becoming a victim of auto theft to almost zero.

Almost all of these auto theft preventative measures are common sense and will cost nothing to do. So it may make a lot of sense to implement them not only when you travel by car on your holidays, but also in your every day driving.

To start with, you should never take for granted that you are immune from car thieves when traveling, or that your vehicle would not really be worth stealing.

Keep in mind that sometimes these thieves are after more than your vehicle, luggage, or any valuables that might be in your car. They may only want an older car to take a joy ride in or steal it for its parts.

They might also be after your vehicle documents for identity theft, or they could be contemplating robbing your residence while you are away on holidays. Where would they find this important information? From the auto registration and car insurance papers which are usually located conveniently in the vehicles glove compartment.

The best solution is to eliminate this problem by keeping these documents on your person at all times while traveling on your holidays.

The second best way is to reduce the problem by hiding these documents really well in the trunk. Some police forces in high auto theft crime areas of cities recommend this. Don’t forget to tell everyone who is traveling with you where these documents are located in the trunk.

Here are some more ways you can lessen the chances of having your holidays wrecked by car thieves. If you can manage to implement some of these suggestions, you will really lessen the chance of becoming a victim of auto theft when you travel.

Make sure you always close your vehicles windows tightly and lock your car each time you leave it parked, even if its only for just short period of time.

A real invitation to lose your vehicle is to leave it idling while unattended. Under no circumstance should you ever do this. Don’t even think about it.

Similarly, you should not leave your vehicles keys in the ignition or hidden anywhere in car. That also includes a second set of keys. Professional car thieves can easily find any keys hidden in the usual places very quickly. Keep an extra set of keys on your person.

Do not leave any thing of value in your vehicle, even if they cant be seen from the outside of your car. If you can, take them with you.

However, if you have no choice but to leave valuables in your vehicle, at least make sure that they are locked inside your trunk. When you do this, check first and look around to make sure that nobody is watching, or better still, stop, pull over, and put them in your trunk before you arrive at your intended destination. Prying eyes can be anywhere.

When you park your car in public areas, turn you front wheels either to the right or left before turning your ignition off. This engages the steering wheel lock mechanism located in the steering wheel column which could make your vehicle somewhat more difficult to steal.

You should always engage the emergency brake after you have parked and turned the motor off. This may also make your vehicle harder to tow away.

For front wheel and rear wheel drive vehicles you should park them somewhat differently when in an underground garage. Front wheel drive autos should be parked nose in and the rear wheel drives, nose out. Then just turn your tires to the left or right. Again, this may make your car harder to tow.

It is always best to park in an attendant operated parking lot rather than an unattended one. If its a lot or place that has valet parking, only let the attendant have your door and ignition key. They don’t need any other keys for your vehicle.

In public areas near dusk and at night, always park in well lit places that have a lot of pedestrian traffic. Keep in mind that most auto thieves work at night.

If you can, avoid parking near or next to any obstruction, such as a hedge, fence, large truck, or anything that blocks a clear view of your vehicle to vehicular and pedestrian traffic.

When you are staying in a place that has gated, secure parking, be sure that the gate has completely closed after entering or leaving so that a thief doesn’t sneak in to the parking area behind your vehicle.

If you see any suspicious activity such as someone or a group of people loitering near your vehicle you should call the police.

Here are a number of anti-theft devices that can be installed for maximum protection. You might have a few of these products already installed in your vehicle.

You can use an easily visible after-market steering wheel lock bar. Most car thieves will likely move on to easier prey/greener pastures. Other less visible after-market products are gas pedal locks, brake pedal locks, or armored collars that fit around the steering column which protects the ignition. For the manual shift vehicles you can also use after-market shifter locks. These items are effective but not as highly visible to prying eyes.

Another thing that you can easily do is to have your mechanic install a hood lock that will prevent easy access to your vehicles battery and security system.

A loud vehicle alarm system and a highly visible alarm sticker on your windshield is worth its weight in gold especially when its combined with the addition of some of the other anti-theft security options.

The best vehicle protection is a passive electronic immobilizer that disables the motor when the ignition is turned off. Its not an inexpensive device to get installed but is well worth it for your peace of mind. There are more benefits you may receive by installing an electronic immobilizer in your car. A number of auto insurance companies will offer a discount on your policy if you can produce documentation that you have had one installed. You may also get more money for your vehicle if you sell it down the road.

Last, but not least, check to make sure you have adequate insurance coverage on your vehicle including theft and damage before you travel by car on any vacation.

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What Do Car Insurance Dollars Pay For?

Friday, February 12th, 2010

No matter how you pay for car insurance, it is likely that you feel you may be paying too much. While you may be able to shop around and save money on car insurance, do not make the mistake of not paying for this required insurance. Doing so can cost you peace of mind. Here is where some of the insurance dollars go.

Purchasing car insurance fulfills your state’s financial responsibility laws. These laws are different in each state. Some states only require drivers to have very little liability insurance, while others require more liability insurance and other coverage as well. In some states, the insurance company is required by law to report if you allow the coverage to lapse by even one day and the state can cancel your vehicle’s registration or your driver’s license until you submit proof of insurance and pay a fine or the administrative cost to reinstate.

Driving without car insurance, however, can cost you much more than just a fine. If you are in an accident, you can be held financially responsible for the other person’s vehicle and medical expenses. In addition, you will likely be ticketed for driving without insurance. These expenses can far outweigh anything you might pay in insurance fees.

You may find yourself in the place where you must pay to have your own vehicle repaired. Without a vehicle you will find it difficult to get to work or take care of other errands for your family. If you have to rent a vehicle while your vehicle is being repaired or until you can afford a replacement vehicle, then the costs can add up very quickly.

Additionally, you will want comprehensive coverage on the vehicle that will pay in cases of theft, vandalism or for breakage of glass. Car thefts are far more common than we want to think. Stolen cars are often driven until they are wrecked or damaged. They may also be stripped and the parts sold. Even when the car is recovered, it has often been damaged beyond repair.

If you drive a newer vehicle that is on a loan or lease plan, it is very likely that the finance company will require that you have full coverage insurance. If you do not have this insurance, the loan company will purchase the coverage for you and you will have the very expensive cost of this insurance added to your vehicle loan. Some car loans actually allow the finance company to repossess a vehicle whose owner allows the coverage to lapse.

Comparison shopping for insurance is a great way to save money that you pay for insurance. There are many companies that offer free insurance quotes. You will find several of these companies online. For the most accurate quotes, go ahead and give your personal information. Then once you have collected three to five quotes from different companies, take time to compare each quote to find the best price for your insurance.

When you think about it, the price you pay for peace of mind is not all that much.

Looking for a quick and efficient roadside assistance service? As Canada’s largest automobile association, they have towing services, caa membership, and other services available to all their members. There’s even special promotions such as New York City vacation packages.

The Importance of Car Accident Witnesses

Saturday, December 12th, 2009

Anyone who has witnessed a car accident knows how traumatic the event and accident scene can be. There are often seriously damaged cars and injured people. When witnessing a car accident, one has a moral duty to report what they saw and heard to the police. A car accident witness is an essential part getting to the truth about how the accident happened and who may be liable. The testimony of a car accident witness is crucial to any litigation and accident claim.

Often a car accident witness will provide the important and critical information about what happened prior to the accident and at the time of the accident. If there is an at-fault claim from one of the drivers involved in the accident, a witness will corroborate or refute the claim.

A driver who claims no-fault will benefit from a witness who can substantiate the claim as it will help the driver receive compensation for damage and cover them for personal injury protection. If not, a driver could end up with an enormous expense for vehicle damage repair, medical expenses, and if the injured driver sues for punitive damages.

A no-fault driver, who is accused of being at-fault, needs the testimony of a witness to prove they were not at fault for the accident so they can have their claim approved and not have to pay compensation to the other driver. As well, being found not at fault will keep one’s insurance premiums from sky rocketing.

A car accident witness can help with resolving any discrepancies about the car accident. For instance, if the police arrive at the scene after the accident and write a report saying one driver caused the accident, but are mistaken, a witness who actually saw the accident happen can correct the mistake. This can save a lot of time and money regarding litigation, increasing insurance premiums, and claim compensation. As well, there are people who will try to fake an accident in order to make a claim which is known as accident fraud. A witness to the accident can debunk the accident fraudster claim.

The accident witness can provide information right after the accident happens so it is fresh and accurate. Accident witnesses provide such valuable information as how and where the car accident took place, road and weather conditions during the time that the accident took place, the behavior of the drivers involved, and even provide pictures of the accident scene. If a claim against another driver is contested, one must have the evidence to prove who caused the accident. Witnesses can provide the exact chronology of the event in order to help ensure the police and insurance companies know all the pertinent details of the accident.

The testimony of a witness is essential when investigating a car accident. If you witness an accident, make sure your memory is accurate and provide as much detail as you can so that the right conclusion regarding who is at-fault is made.

By joining the CAA membership, members will be able to experience benefits such as CAA car insurance and CAA roadside assistance. On top of that, members are also able to receive 20% more petro points! With so many benefits, make sure to visit us today!

Auto Club Membership Gives Moms Confidence in their New Teen Drivers

Tuesday, December 8th, 2009

When moms see their teen daughters or sons get their driver’s license, they know that their child is on the road to independence. Most moms worry about their teens when they are out driving their vehicle. Concerns can include a vehicle break down as well as the fact that teens are at a higher risk of car accidents than other age groups. Fortunately, auto club memberships give moms peace of mind when their teen is out driving in the day, night, or on a long road trip.

An auto club membership is much like an investment in your teen’s safety. Roadside assistance is of particular importance for a teen driver. The roadside assistance services provided with an auto club membership can include: vehicle towing, changing a flat tire, boosting a dead battery, and bringing out fuel and other fluids such as motor oil and anti freeze. As well, a technician will be sent out to replace lost or stolen car keys and even help a teen get into their vehicle if they accidentally lock themselves out. As well, with a dead battery, a technician will be sent out to test, diagnose or even replace the battery right there at the location of the break down. This type of service provides moms with peace of mind knowing that no matter what time of the day or night their teen is on the road, assistance from an auto club is only a phone call away. It is available 24 hours a day, 365-day-a-year, even holidays

An auto club member can also receive help with auto repairs. They know what standards to look for in a quality auto repair shop. Their recommended car repair facilities have been screened and inspected. They go by government and consumer agency reviews and keep a check on the repair shop to ensure they meet high quality standards.

Auto club memberships can also offer driver training for new drivers. They can provide a list of reputable teen driving schools that will help them improve their driving skills. A benefit of driver training will often translate into savings on the teen’s vehicle insurance. Some auto clubs offer teen driver fairs that educate teens and their parents about safe driving. This includes showing teens how to properly use gas and brake foot pedals, safety-belts, mirror adjustments, changing a flat tire, checking fluid levels, and making the proper seat-height adjustments.

Auto clubs will also offer driving assistance in the form of personalized road maps, trip routing, and an online map service providing directions. They can often be customized personally for maps to such areas as schools, theater, restaurants, recreational facilities, and other points of interest to the teen.

Teens are at a high risk of an accident when driving and often can drive with less care than an adult. When their teen is driving on the road by themselves or with their friends, a mother will worry until she sees the car pull up the driveway. Purchasing a membership in an auto club will significantly reduce that worry giving mothers peace of mind when their child is driving.

By joining the CAA membership, members will be able to experience benefits such as CAA insurance and CAA roadside assistance. On top of that, members are also able to receive 20% more petro points! With so many benefits, make sure to visit us today!

Auto Membership Offers Benefits That Eases Daily Living

Tuesday, November 17th, 2009

Every year, our roads and highways are becoming more crowded with millions of vehicles. As well, many people are choosing to travel long distances by car. We no longer travel close to home, and work often involves road travel at all hours of the day and night. Our increasingly more mobile lifestyle has resulted in road travel problems such as vehicles breaking down on the side of the road and an increased risk of a vehicle accident. Fortunately, there has been a solution created to ease anxieties about vehicle problems when driving along our highways and byways. Purchasing an auto membership offers many benefits that will ease daily living.

During your daily routine, whether it is work or family activities, an auto membership will help ensure that you do not get in a stressful situation with no one to help. One of the biggest concerns about driving is having an accident or having a car break down in an isolated area with no one available to provide assistance. One of the major advantages of an auto membership is emergency roadside service.

The last thing you want is to be hurrying to a meeting or work, or taking your kids to school and have a car break down. If you have a car problem that requires a flat tire change, a tow service or a battery jump, with one phone call, someone will be dispatched to your location to help you get back on the road. Many times, a person can find them in such situations as lost or stolen keys, keys left in a locked vehicle, running out of essential vehicle fluids, or the gas tank runs empty. In these types of situations a person from roadside assistance will come to your location to replace a lost key, and add such fluids as anti freeze, brake fluids, motor oil…etc.

If you are a person who loves to vacation by car, an auto membership can be very helpful. If you are in an accident while traveling, some auto memberships will provide compensation for such expenses as transportation home, hotel, and food expenses. An auto membership can also provide such assistance as trip routing, discounts on recreational activities such as water parks, and discounts on cruises, hotels, restaurants, local attractions, theme parks, car rentals, and much more. They can even offer road maps and travel guides. As well, there are essential traveling products that one can acquire for their trip such as no-fee traveler’s checks, travel insurance, medical insurance, emergency check-cashing services, and much more.

There are auto club memberships where customer service representatives will help you find a new car. They will provide helpful information such as the history of maintenance and repairs, retail sticker prices, options, safety features, mileage, and more. There even auto clubs that can provide such insurance policies as auto, flood, medical, and life. They can also provide driver training programs.

Depending on the features you are looking for with an auto club membership, there is a plan that can meet each individual’s needs. By purchasing an auto club membership, your daily living routine and vacations will be much more relaxing and you will be reassured knowing that you are protected.

With CAA membership you get more than just roadside assistance and CAA car insurance. We also provide CAA travel packages and CAA travel insurance for your next exclusive getaway. Just one of the many benefits you get when you buy CAA membership.

Travel Insurance: Worth the Investment

Thursday, November 12th, 2009

Do you really need travel insurance? It’s a question that is frequently asked and the answer is yes, you do. There are many reasons for getting travelinsurance, everything from possible theft and hospital visits to injuries and death can be covered by a good insurance policy and while you hope you will never need to use it, insurance is something you’ll be very glad of should something go wrong.

Types of Travel Insurance

There are several different options when it comes to travel insurance. You can choose just one type, or opt for an all-inclusive policy which will cover a variety of things, including health and theft.

Medical Insurance: This type of insurance will cover any medical expenses while you are out of the country. Note that this isn’t always necessary, if you have health insurance back home, it may cover short out of country trips, as well. You can invest in basic health insurance, which will cover doctor and dentist visits and hospital stays, but each policy is different. Make sure you understand exactly what is covered and for how long. It’s a good idea to look into investing a little extra for evacuation, as well, so you can be brought home if needed.

Flight insurance: If your plane goes down, this is the insurance that will ensure that you or your surviving family members will get something for it. In general, this is the highest costing insurance and isn’t really necessary in most cases.

Trip Cancellation: Not every trip will require this type of travel insurance, but if you are laying out big bucks for a cruise or a vacation spot, then you’ll definitely want to look into trip cancellation insurance. If you can’t make the journey for any reason, it’s cancelled, you get sick, etc. then you can get your money back, so it’s a good way to go.

Luggage/Baggage Insurance: Lost bags are a common problem when flying, whether you stay in the country or fly around the world. Airlines within the US may give you up to $3,000 in compensation, but if you are flying overseas, the amount you could recover is minimal, so you’ll want to make sure you have some insurance to cover anything you might lose in your luggage.

Things to Consider

If you are interested in extreme sports and intend to take part in them while traveling, keep in mind that many types of insurance do not cover injuries that you may have from such activities. There are special extreme travel insurance options that will cover you if you plan to go rock climbing or skydiving, however.

Make sure you read any and all policies very carefully. It’s important to make informed choices when you are buying caa travel insurance and you need to know just what is covered and what is not. The fine print will usually let you know what could be a deal breaker, so pay attention to this part. Anything you aren’t sure of should be cleared up by the insurance company before you pay anything.

Make sure that the cost of the insurance is lower than whatever it’s going to cost. For example, if you are paying $50 for a cross state plane ticket, chances are you don’t need insurance to cover the possible cancellation.

Travel insurance has many facets and not all types will be necessary for your trips. In fact, you may find that some types of insurance are so specialized that you don’t even need to consider them. However, health or medical insurance, along with baggage insurance, if you plan to travel outside the country, are both very important and should definitely be on your list.

Auto club offering caa membership and car and travel insurance in Canada.

The Importance Of Holiday Car Insurance

Saturday, November 7th, 2009

If you’re planning a vacation, you may have begun your search for holiday insurance. You may have also realized that many of these policies don’t cover car accidents, so you’ll want to get a holiday car insurance policy too if you do plan on driving.

These policies are especially valuable to travelers visiting places they’re not as familiar with. An accident can cost thousands of dollars, and the high cost can easily be avoided with the right holiday car insurance plan.

The risk of an accident when traveling is higher for many reasons. Whether you’re looking at a map and have your eye off the road, or you’re simply not familiar with the little things that locals know all too well, there’s a better chance of you crashing.

There are many reasons that the risk of a car accident is higher when you’re traveling, and the bottom line is that you’ll need some protection.

As a result, the idea of holiday car insurance is a necessary one. These policies are generally cheap, and they can protect you in the event of any kind of an unexpected accident, even if the mishap was your fault.

Holiday car insurance policies can be purchased by the day, and it would all depend on the length of your car rental. You can get a policy for up to 28 days if you’d like to.

Some of the factors that go into pricing of a holiday car insurance plan are where you’ll be driving, the kind of car you’ll be driving, and your driving history. They’ll also consider your age, as these are all factors they’ll use in assessing the risk of an accident.

If you’re planning on getting holiday car insurance, the sooner you get it before your trip, the better. Acting as soon as possible is recommended for finding better deals.

There are plenty of great, free services willing to run quotes for you and I’d highly advise that you take advantage of them. This is how you’ll find the best deal.

For more on holiday car insurance quote and holiday insurance, visit today.

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Check Your Vehicle Before Heading Out on a Long Trip

Thursday, November 5th, 2009

Hitting the road for a long trip can be exciting and fun, as long as you are prepared. Plan early and use lists to get yourself organized, making sure you are packing everything you need for every member of your family. If you are bringing any pets along, make sure you pack items that you will need to care for them as well. Snacks, drinks, pillows, blankets, CD’s and magazines can all help make your time in the car go by faster. Before you head out, make sure your vehicle is all set to handle the distance. Checking your vehicle before departing for a long trip can avoid problems with your engine, radiator, transmission, brakes and tires. The following guidelines will help you ensure that your vehicle is in tip-top shape and ready to get you to where you’re going.

Check Your Oil So many problems result from the need for an overdue oil change! If your next oil change is coming up, make sure to have it done before your trip. If you don’t remember when your last oil change was, it might be a good idea to do it now. Otherwise, check your oil using the dipstick. Pull it out, wipe off the oil with a rag, then put it back in all the way. Check to see that the oil is up close to the “FULL” line on the dipstick. If the oil looks thick and black, you may want to have it changed.

Other Fluids Your car relies on various fluids to keep it running smoothly. One of these is automatic transmission fluid. Check this fluid with its dipstick, and note that if it looks dark and murky, it’s time to change it. Next, check your engine antifreeze level. It should be somewhere within the “MIN” and “MAX” marks on the coolant tank. Check the brake fluid, power steering fluid and make sure to top up the windshield washer tank with all-season windshield washer fluid.

Mechanical Components Look under the hood to see if there’s anything that looks out of place. Make sure the battery doesn’t have any visible rust or white residue. Check to see if any of the belts or hoses are cracked. Next, take your car out for a test drive to gage how well your steering and suspension are working. Keep the music off and pay particular attention to any sounds or noises coming from the engine or other mechanical components. Next, check your automobile’s lights and electrical systems and make sure everything is working. If any of you lights have burnt out, make sure to replace them before your trip. Don’t forget to check your tire pressure and tread so you wont need roadside assistance if you get a flat.

Safety … Emergency Equipment Make sure your car is equipped with a spare tire and jack as well as a wheel wrench. Also, make sure you have an emergency kit with flares, jumper cables, a flashlight and a simple tool kit.

We provide out-of-province travel medical and CAA insurance packages to ensure that you are protected while you travel. Just one of the many benefits to having an CAA membership.

Holiday Car Insurance for Traveling Drivers

Tuesday, October 13th, 2009

One of the often overlooked component to any holiday insurance protection plan is the idea of holiday car insurance. This is an important element to any plan that many of them often lack.

If you’re driving a car on your planned trip, this is definitely something you won’t want to go without. The smallest accidents can end up doubling or tripling the cost of your trip, if not more, without a holiday car insurance plan.

People get distracted by their surroundings. They’ll get lost sometimes. Maybe they’re looking at a map that requires their attention.

Whatever the reasons may be, the statistics don’t lie. The chances of crashing are higher if you’re going somewhere else, and holiday car insurance is a necessary form of holiday insurance for anyone planning a trip that involves driving.

By looking into holiday car insurance, you’ll be doing yourself a huge favor in the event that anything does come up. The good news is that this type of holiday insurance doesn’t cost nearly as much as you’d think, and it’s well worth the peace of mind.

Holiday car insurance policies can be purchased by the day, and it would all depend on the length of your car rental. You can get a policy for up to 28 days if you’d like to.

Some of the factors that go into pricing of a holiday car insurance plan are where you’ll be driving, the kind of car you’ll be driving, and your driving history. They’ll also consider your age, as these are all factors they’ll use in assessing the risk of an accident.

The best course of action is to begin looking early for a holiday car insurance policy. If you put it off and wait until the last minute, prices will generally be higher than they are now.

There are plenty of great, free services willing to run quotes for you and I’d highly advise that you take advantage of them. This is how you’ll find the best deal.

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A Few Things To Remember When Your Car Breaks Down

Saturday, October 10th, 2009

We all hope our car is reliable when we are traveling, but unfortunately problems can occur which can cause a break down. If you end up getting stranded on a road, it is important to know what to do to ensure you are safe and can resolve the problem quickly.

1. In the event of a break down, don’t panic as that will make the situation more stressful. Sometimes a car just needs to sit for a few moments before it can start back up.

2. If your car breaks down, and you pull off to the side of the road, turn your hazard lights on to let the other drivers know you are no longer driving. When getting out of the car, make sure you exit on the side opposite of the road to avoid getting hit.

3. All drivers should have basic skills for minor car repair such as changing a flat tire, gas can, checking oil, radiator and other important fluid levels.

4. Always keep a cell phone with you when you are driving. This will allow you to call your auto club, a tow truck, and family or friends, to come and provide assistance.

5. Your car should contain an emergency kit that includes all of the essential fluids, flash light, reflective “Call Police” signs to post in your window, flares, and triangles.

6. If your turn the ignition and the engine won’t turn over and the radio is not working, your battery may be dead. Pop the hood and check the battery to see if the connection points are dirty or corroded. They may just have to be cleaned. If the battery is still not charged, phone road side assistance, or someone that you know who can come and boost the battery. Sometimes a driver will stop and help you. If they want to take you somewhere, don’t go as you don’t know what kind of person you will be driving with. If you are afraid, stay in the car and lock the doors. You can always call 911 and tell them that you are alone and stuck on the side of the road.

7. If you are stuck in the dark, use your flares or triangles to attract attention.

8. If you are alone and there has not been any traffic on the road and you do not have a cell phone, go for help. Stay off of the road and walk facing oncoming traffic. Be aware of your surroundings be cautious. If someone offers you a drive, do not get into the vehicle with them. Ask them to call for assistance.

When your car breaks down, it is important to think clearly and use common sense. It is not worth putting your life in danger to get help. Knowing what to do when your car breaks down will make a normally unpleasant experience much more bearable. It will also most likely speed up the amount of time before you get help, or are back on the road driving again.

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