Auto Insurance

How to Prevent Car Theft

How to Prevent Car Theft

Posted on by Shield Insurance Agency

Nationwide | April 20, 2023 | Car Theft | Auto Insurance | Start A Quote Today!

How common is car theft? According to estimates from the National Insurance Crime Bureau, there were more than 745,000 motor vehicle thefts in the first nine months of 2022 in the U.S. [1] [2] And when citizens are targeted in the most potentially dangerous of these crimes – carjacking – the attacker succeeds in roughly half of all attempts, according to the U.S. Department of Justice.

To find out how to prevent carjacking and car theft, read on.

1. Don’t leave valuables in your car

You don’t display your cash, financial statements, and jewelry in your home’s windows, do you? So why would you do the same in your car? Instead, hide any valuables, including purses, computer bags, and the ignition key. You’d be surprised how often people don’t.

According to the National Insurance Crime Bureau, between 2019 and 2022, more than 100,000 reported vehicle thefts were facilitated by keys, including situations where keys were left inside the vehicle. [3] One-fourth left a purse or wallet inside, and one-third have left bank statements. In addition, one-third say they’ve kept their vehicle running while unoccupied.

2. Park in a well-lit area to prevent car theft

Not everyone has a garage. But many have the option of parking on a well-lit street – another deterrent for crooks. Also, etch the vehicle identification number on windows to discourage thieves from stealing the vehicle and selling it to a chop shop.

3. Lock your vehicle doors to prevent car theft

The minute you step into an automobile, you’re vulnerable. So lock up right away, before starting the ignition or setting up your music, GPS, etc. (Buckling up is the second “to do.”)

4. Don’t leave your keys in the car to prevent car theft

“It’ll just be for a second, I’m only running into the store for a couple of things.”

Unfortunately, “a second” is all a thief will need if you leave the keys in the car for them. So always take your keys with you no matter where or how briefly you’ll be out of your vehicle. It sounds obvious, but this is one of the most important ways to prevent car theft.

5. Stay alert

Staying alert is the best example of how to prevent carjacking. When stopped or slowed down, you increase the opportunity for a carjacker. So at traffic lights, exercise caution. “When stopped in traffic, leave enough space to move forward,” says Brent O’Bryan, vice president of learning and development for AlliedBarton Security Services, a physical security firm. [4]

6. Know where you’re going

Just as you want to stay in well-lit areas while parking, you don’t want to “hide” in the darkness while driving. “Don’t head into remote or unfamiliar areas,” O’Bryan says. “If you feel like you’re being followed, don’t drive home. Don’t park next to a vehicle such as a van which could be hiding a suspect.” [4]

7. Install an anti-theft system

If someone tries to break into your car, you’ll want to make it apparent to anyone in earshot that this has occurred. Anti-theft systems emit loud alarms when they detect forced entry into your vehicle, alerting anyone nearby and potentially scaring the would-be thief from sticking around. You can also install a GPS tracking system that will show the location of your vehicle if the thief successfully makes off with it.

Having an anti-theft device in your vehicle may earn you a discount on your car insurance.

8. Stay cool during a crisis

Even if you take every precaution, you could still get involved in carjacking. If so, your and your passengers’ safety remains the top priority. Stay calm – if you panic, it’s more likely a criminal will too. “Never argue; give up your car,” O’Bryan says. “Get away from the area as quickly as possible. Note the suspect’s appearance, and immediately report it to the police.” [4]

Most commonly stolen cars

You might expect thieves to go for the glitziest, most expensive-looking cars they can find, but the trouble with those vehicles is that they stand out in a crowd. No car thief wants to be seen after they make their getaway, so the most commonly stolen cars are some of the most widely owned models. Ford F-series pickup trucks and Honda Civics have been US frequently targeted for this precise reason. In 2021, cars like Civics were also popular because they share parts with other Hondas, making them valuable for stripping and selling. [5]

More recently, in a 2022 HLDI study, 2019-2021 models of Dodge Chargers topped the charts for most stolen vehicles. [6]

What cars are targeted for catalytic converter theft?

Certain vehicles are also being singled out to steal their catalytic converters. Hybrid cars like the Toyota Prius use expensive metals to construct their catalytic converters, making them prime targets. [7] Thieves will steal the catalytic converter and sell it for the value of its metal.

Does insurance cover car theft?

So, you took all the precautions, but someone managed to make off with your car anyway. Are you covered? It depends on your policy. Comprehensive policies will typically cover theft. However, policies like liability insurance do not.

Learn more about what your car insurance will cover in the event of car theft.

Sources:

[1] https://www.nicb.org/news/news-releases/over-745000-stolen-vehicles-reported-so-far-2022, Accessed April 2023.

[2] https://www.cbsnews.com/news/auto-thefts-carjackings-major-u-s-cities-spike-new-report/, Accessed April 2023.

[3] https://www.prnewswire.com/news-releases/vehicles-stolen-with-keys-left-inside-on-the-rise-301731304.html, Accessed April 2023.

[4] Nationwide Interview with Brent O’Bryan, 2016.

[5] https://www.cars.com/articles/these-vehicles-are-most-vulnerable-to-theft-says-iihs-457296/, Accessed April 2023..

[6] https://www.moneygeek.com/insurance/auto/most-stolen-cars-in-america/, Accessed April 2023.

[7] khou.com/article/news/how-to-prevent-yourself-from-becoming-the-latest-victim-of-catalytic-converter-thefts/285-d978572e-c12a-4142-b331-c782201b082b, Accessed August 2021.

Disclaimer:
The information included is designed for informational purposes only. It is not legal, tax, financial or any other sort of advice, nor is it a substitute for such advice. The information may not apply to your specific situation. We have tried to make sure the information is accurate, but it could be outdated or even inaccurate in parts. It is the reader’s responsibility to comply with any applicable local, state, or federal regulations. Nationwide Mutual Insurance Company, its affiliates and their employees make no warranties about the information nor guarantee of results, and they assume no liability in connection with the information provided. Nationwide, Nationwide is on your side, and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2021 Nationwide and Shield Insurance Agency.

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New vehicle shortages and supply chain issues aren’t the only things to blame for the recent spike in car prices. One of the main culprits is inflation.

How Does Inflation Affect Car Prices?

Posted on by Shield Insurance Agency

Nationwide Blog | December 13, 2022 | Car PRices | Auto Insurance | Start A Quote Today!

New vehicle shortages and supply chain issues aren’t the only things to blame for the recent spike in car prices. One of the main culprits is inflation. Consumer inflation soared to 7% in 2021, the highest it’s been in almost 40 years. [1]

Inflation is defined as a loss of purchasing power over time. Rising inflation can be impacted by rising consumer demand or other developments that have little to do with economic conditions, such as limited oil production and supply chain problems. [2]

How do dealerships price cars?

If you’re in the market for a new or used car, it can be confusing to know which price is fair. In order to understand how to negotiate, we must first look at the difference between the MSRP and invoice price. The manufacturer’s suggested retail price, or MSRP, is the price car manufacturers recommend dealerships sell their vehicles for. The invoice price, or the dealer price, is the amount a dealership pays the manufacturer. Car dealerships aren’t like traditional stores, however, and the MSRP is not the final price, but usually the starting point for negotiations. Depending on the demand for the model, you may end up paying the full MSRP, but you’ll almost always be able to negotiate with the dealership. [3]

How do car prices become inflated?

Car prices have helped push inflation sharply higher over the past year due to high demand and little to no availability. Demand has been so strong that automakers have been cracking down on dealers who charge above list price, threatening to withhold fresh inventory. Analysts had been hoping that chip shortages would ease up, but they’re predicting that we’ve got at least another year for the supply chain to heal if not more. If car prices keep climbing briskly, it’ll be hard for inflation overall to moderate. Buyers and dealers are desperate for more vehicles to sell, but they don’t see an abundance of inventory before 2023 and 2024. [2]

Are used car prices affected by inflation?

Used cars were unfortunately hit hardest by rising inflation. Due to pent-up demand for cars and supply issues, used car and truck prices rose more than 10% in April and June 2021. Inflation has soared to levels not seen since the 1980s, but the used vehicle prices that powered the initial surge are now falling back to earth. After months of extraordinarily large price hikes, it might finally be a good time for car buyers. If the supply of new cars recovers, that’ll probably alleviate supply pressures in the used-vehicle market as more cars are resold. [4]

Tips for buying a car

It can be overwhelming to start the process of buying a car, but we have a few tips for you.

  1. Determine your budget. Once you know how much you are willing to spend, you can start to narrow down the list of cars you want.
  2. Do the research. Start by visiting the websites of automakers and other car sites to get an idea of inventories and features available.
  3. Know the model price. Research the model invoice or wholesale price so you have a general idea of what the dealer paid.
  4. Go for a test drive. Make an appointment and take your time behind the wheel until you’re sure it’s the right fit for you.
  5. Negotiate a fair price. Check that the list of fees associated with the sale is accurate and not an unnecessary add-on.

Learn more tips on buying a new or used car the right way. [5]

Sources

[1] “Inflation is driving up car prices. 6 tips for buying in 2022,” cbsnews.com/news/inflation-new-used-car-prices-2022 (accessed July 8, 2022).

[2] “Few Cars, Lots of Customers: Why Autos Are an Inflation Risk,” nytimes.com/2022/04/10/business/economy/cars-inflation.html (accessed July 8, 2022).

[3] “Car MSRP vs. Invoice: Everything You Need to Know,” caranddriver.com/research/a31874008/car-msrp-vs-invoice (accessed July 8, 2022).

[4] “It’s finally a better time to buy a used car,” businessinsider.com/used-car-prices-market-good-time-buy-inflation-easing-2022-5 (accessed July 8, 2022).

[5] “How to Buy a New Car the Right Way,” blog.nationwide.com/tips-for-buying-a-new-car (accessed July 8, 2022).

Disclaimer:

The information included here is designed for informational purposes only. It is not legal, tax, financial or any other sort of advice, nor is it a substitute for such advice. The information may not apply to your specific situation. We have tried to make sure the information is accurate, but it could be outdated or even inaccurate in parts. It is the reader’s responsibility to comply with any applicable local, state or federal regulations. Nationwide Mutual Insurance Company, its affiliates, and their employees make no warranties about the information nor guarantee of results, and they assume no liability in connection with the information provided. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2022 Nationwide and Shield Insurance

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10 Affordable Classic Cars That Won’t Break the Bank

10 Affordable Classic Cars That Won’t Break the Bank

Posted on by Shield Insurance Agency

Nationwide | May 12, 2021 | Classic Cars | Auto Insurance | Start a quote with Shield Insurance!

Like all commodity markets, the classic car market is always evolving. Values go up, values go down, and owners buy, sell, trade, and hold their cars accordingly. But unlike other collectible objects or financial instruments, cars provide a fun way to invest your money—you actually get to drive and enjoy an old car.

Often there are ways to find deals on classic cars. To get started, here are 10 classic cars you can typically buy for less than 10K.[1]

1. 1971–76 Buick Electra 225

If your goal is the maximum car for the money, then you’d have a hard time beating the fourth-generation Electra. Built on the General Motors C-body platform, the Electra offers more interior room than just about anything else on the road. The 455-cid V-8 is nearly bulletproof, and the cars were available with luxury options galore. Just six grand buys a car you’d be proud to own.

2. 1973–79 Ford F-Series

Everybody needs a good truck. And the F-Series is always an excellent choice. These sixth-gen models ride on a trusted platform, and while they’re mostly no-frills, you can find them with four-wheel drive, a/c, CB radio, sliding rear window, and more. Rust kills them, especially at the front of the bed and the bottom of the B-pillar, so bring your grubby pants and crawl all over the thing to make sure it’s the clean one you want.

3. 1989–93 Cadillac Coupe DeVille

These things are so cheap right now: Less than $3,000 gets you a pretty good one, and both sedans and coupes offer up plenty of luxury for the price of entry. It’s cheap to get your own little piece of the “Standard of the World.”

4. 1978–87 Chevrolet El Camino Classic Cars

The last of a legend. Cars built on the G-body platform have long gone unloved. Recent interest in hot Buicks like the Grand National and GNX have helped to spark interest in the rest of these models, however, and the El Camino may now be getting its due. Low power and huge saggy doors are still an issue, but few cars on the road are as distinctive.

5. 1979–93 Ford Mustang

The importance of this car cannot be overstated. It’s a design that has aged well, and no other car offers up a greater bang-for-buck factor than a 5.0-liter Fox body. Plenty of them have been used and abused, but with so many produced, you can afford to bide your time and be choosy. You’ll still come away with a quick little modern classic. Aftermarket support is incredible, which only adds to this Mustang’s appeal.

6. 1974–83 Jeep Cherokee

Vintage SUVs are one of the best and cheapest ways to enjoy the old-car hobby. These SJ Cherokees shed the faux wood of their Wagoneer cousins but lose none of the brawny appeals. You can get them with either two or four doors, but no matter what you’re after, a thorough inspection is in order, as quality control issues plagued Jeeps of this era.

7. 1990–96 Nissan 300ZX

The 300ZX reinvented the tired Z-car, and it kicked the rest of the world in the face with the relatively cheap performance it offered. Available with or without T-tops, with or without back seats, and with or without a turbo, the Z offers so much in such a lovely, lithe package. Reliability is off the charts, and you can still scoot around quickly in the normally-aspirated version, which saves you considerably over the more desirable turbos.

8. 1974–78 Ford Mustang II

Translated, Mustang II means “Mustang Also,” as in, “I’m a Mustang, too, you guys. I really am!” And it is, in that wretched 1970s malaise kind of way. There is a bright side though: If you want an old Mustang that isn’t an enormous, ill-handling muscle car, look no further than the Deuce. And they’re dirt cheap, too.

9. 1961–64 Chrysler Newport Classic Cars

The Newport was Chrysler’s entry-level model, and it reintroduced a dormant nameplate for Chrysler, after a decade of absence. Several body styles are available, including sedans, convertibles, and wagons, but front-end styling—while distinctive—is polarizing thanks to the slanted headlight setup. If you like fins with your Chryslers, then look for a ’61, as they vanished after that.

10. 1962–67 Chevrolet Chevy II Nova Classic Cars

There’s nothing particularly revolutionary about the Chevy II. You might even say they’re boring. But as staid, cheap, vintage transportation goes, you could do a lot worse than one of these guys. The inline-six is fine, but you’ll have more fun with the 283-cid V-8, which was available in 1964. Tops in terms of collectability are the convertibles, but they’re also harder to find.

Whether you go for one of the affordable classic car models listed above or opt for a pricier investment, you want your vintage car to be protected. That’s why Nationwide has teamed up with Hagerty to offer classic car insurance tailored to the unique needs of car collectors. Learn more about classic car insurance and get a quote today.

[1] 10 under $10K: Hot and Affordable Collector Cars

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What to Do if You Lose Your Car Keys

What to Do if You Lose Your Car Keys

Posted on by Shield Insurance Agency

Nationwide | December 10, 2021| Car Keys | Auto Insurance | Start a quote today!

It’s something you never want to think about but losing your car keys can happen to just about anybody. No matter how careful you are, all it takes is one second of forgetfulness to send yourself into a spiral of panic and anxiety.

If you’ve never lost your car keys before, you might be surprised to find out that car keys are the third-most misplaced item1.

Sometimes, you’re running a quick errand and jump out of your car only to have forgotten them on the seat. Other times, you’re coming home after a long day at work and throw your keys down somewhere you can’t remember the next day. No one wants to experience any of these instances, but they do happen. And it’s important to be prepared.

So, what do you do when you find yourself in a situation where you’ve lost your keys?

Retrace Your Steps

The first step in finding lost keys is retracing your steps. This sounds easy enough, but when you’re in panic mode, it can seem daunting.

When retracing your steps, it’s important to remember the last time you remember seeing your keys. Where you were? What you were doing? What did you do next? This can help you find your starting point.

Maybe you drove home and left them in your car or maybe you left them on the table at the restaurant you were just visiting. Retracing your steps is essential for giving you somewhere to start before resorting to any unfavorable calls.

If you truly have lost your keys, however, it’s time to call in an automotive locksmith. These specialists can help you get back on the road in no time. You’ll need to have some key information, however – so let’s find out what you need to make this process as seamless as possible.

Understand the Different Types of Car Keys

Knowing and understanding the differences in types of car keys is important for ensuring the process of finding or replacing them runs smoothly and seamlessly. You’ll need to inform your locksmith so they can get in with ease, but even before you make the call, you’ll need to know which locksmith will be able to help you based on the type of key you’ve lost.

Traditional car keys

A traditional car key is – you guessed it – traditional. These keys look and feel like classic keys, and work by being inserted into an ignition cylinder and turned to start the vehicle.

Transponder key

A transponder key is similar to a traditional key, but the difference is the head. At the top of the key is an electrical element that often contains buttons to lock and unlock your car, as well as open the trunk and set off an alarm.

This electrical element also contains a chip that’s necessary to start the vehicle.

Key fob with switchblade key

These types of keys include remote fobs that can lock and unlock the vehicle, with a spring-loaded key mechanism that folds into the fob like a switchblade. This dual system allows for remote access to the vehicle and a sleeker, minimal key design that folds into itself for easier transport.

Smart car keys

Smart keys are often called ‘keyless ignition’ keys. They’re used in place of actual keys. When used, drivers can unlock their cars remotely and use a push-start button system to start the car, not needing to insert a key into the ignition to get the engine running.

Can a Locksmith Make a Car Key Without the Original?

An experienced locksmith should be able to make you a car key without the original as long as it’s a traditional key. If your vehicle utilizes fobs, transponders, and smart keys, you’ll have to contact the dealership to get a new device created.

How Much Does it Cost to Replace a Car Key?

There is no standard price for a replacement car key, especially considering the many different types of car keys available today.

For traditional keys and fobs, the price is relatively low compared to the more complex keys – ranging from $50 to $1002. Fobs, however, can be programmed yourself or at the dealership which can cut down on these costs.

Transponder keys can cost around $200 to replace, but costs depend on whether you’re going through a locksmith or a dealer.

Switchblade keys are even pricier, averaging closer to $3003 to replace.

Smart keys require going to the dealer for a replacement as they will need to program the device and the vehicle. This can cost between $200 and $500 depending on location, dealership, and vehicle.

Contact a Locksmith Near You

Now that you’re equipped with all the information you need, you can contact a local locksmith. Knowing you’ve exhausted your search, understood what type of key you have, and feel confident and the price and capability of the job, you should have little problem finding the locksmith that’s right for you.

How to Prevent Losing Your Keys

Get a key tracker

Key trackers are a modern, new way to keep track of your keys, wallet, and more. These devices work via an invisible signal that’s transmitted across devices and often connects to an application on your phone.

Popular key trackers include Tile4, Apple AirTag5, Chipolo6 and Cube7 .

Create a designated spot for your car keys

Creating a hanging key holder by the door or a key bowl on a nearby table can be a quick and easy way to make sure you never lose your keys. It can quickly become part of your routine, dropping or hanging your keys as soon as you walk into the door. And it will always be the first place you look when you head on your journey.

Invest in a lanyard or key holder

A lanyard or other transportable keyholder is another simple fix to help you keep track of your keys. A long lanyard, chain, or trinket on your keys can make it harder to lose because of the noise it makes, the length of the attachment, and more. Adding bulk and weight to your keychain will also make it harder to lose when you’re out as you’ll be more likely to miss the feel of the keys in your purse or pocket.

Get a spare key

Another great way to ensure a lost key doesn’t slow you down is by creating a duplicate or requesting a spare. Accidents happen, after all, and things sometimes just disappear. With a spare key, you can be sure that you don’t lose valuable time, money, and energy by retracing your steps and contacting a locksmith.

On the Road and Lost Your Car Keys? Contact Roadside Assistance

In a new place and don’t know how to get to where you need to go? Nationwide offers 24/7 roadside assistance to get you back on the road with ease. To request assistance, just call 1-800-421-3535 or connect through the Nationwide Mobile app.

If you’re not already part of the Nationwide insurance community, you can get started quickly and easily. Contact Nationwide for an auto insurance quote to get started.

1https://www.prnewswire.com/news-releases/lost-and-found-the-average-american-spends-25-days-each-year-looking-for-lost-items-collectively-costing-us-households-27-billion-annually-in-replacement-costs-300449305.html

2https://www.edmunds.com/car-maintenance/the-high-cost-of-losing-your-keys.html

3https://www.carfax.com/blog/lost-car-key-fob-replacement

4https://www.thetileapp.com/en-us/

5https://www.apple.com/airtag/

6https://chipolo.net/en-us/

7https://cubetracker.com/

Disclaimer:
The information included is designed for informational purposes only. It is not legal, tax, financial or any other sort of advice, nor is it a substitute for such advice. The information may not apply to your specific situation. We have tried to make sure the information is accurate, but it could be outdated or even inaccurate in parts. It is the reader’s responsibility to comply with any applicable local, state, or federal regulations. Nationwide Mutual Insurance Company, its affiliates, and their employees make no warranties about the information nor guarantee of results, and they assume no liability in connection with the information provided. Nationwide, Nationwide is on your side, and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2021 Nationwide and Shield Insurance Agency.

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Driving at Night: How to Stay Safe

Driving at Night: How to Stay Safe

Posted on by Shield Insurance Agency

Nationwide | March 08, 2023 | Driving at Night | Auto Insurance | Start a Quote Today!

While we typically drive a quarter of the time at night, studies show that 50% of traffic deaths happen at night. [1] It doesn’t matter whether you know the road you’re driving on or not; it is always more dangerous to drive at night. With a few extra precautions, you can reduce the risk of something dangerous happening while driving at night.

Why is driving at night more dangerous?

There are several reasons why driving at night is significantly more dangerous than during the day.

  1. Compromised night vision: This is especially prevalent in drivers over 60.
  2. Fatigue: 1 in 25 adult drivers report falling asleep in the last 30 days, and many more admit to driving while sleep-deprived. [2]
  3. Rush hour: Roads get more crowded and dangerous between 4 and 7 p.m. due to drivers eager to get home after work.
  4. Impaired drivers: Drivers impaired by drugs and alcohol are more frequently on the road after dark.

Tips for driving at night in the dark

1. Be a defensive driver.

Defensive driving is utilizing safe driving strategies to address identified hazards predictably. When you drive defensively, this reduces your driving risk by anticipating situations and making well-informed decisions. [3]

2. Clean your windshield before driving at night.

Built-up grime on your windshield can increase the glare from other cars and streetlights, making it harder for you to see the road. Damaged windshields can have a similar effect, so fix any cracks before driving. [4]

3. Don’t drive while drowsy when driving at night

It’s always important to ensure you’re well-rested and alert when you’re behind the wheel. But your brain makes more sleep-inducing melatonin when it’s dark, meaning you’re more likely to get tired while driving at night. If you experience eye drooping or extreme fatigue, find a place to stop and rest for the night. [4]

4. Check your headlights.

Keeping headlights clean and lit is the key to safe night driving. If just one headlight is illuminated, it not only cuts down on your visibility but can also get you a citation from law enforcement. Double-check before driving that both headlights are on and working. [5]

5. Slow down.

It’s never a good idea to drive too fast and follow the driver in front of you too closely. This could cause an accident if they stop too suddenly. Also, the closer your headlights are, the brighter they can seem and the more distracting they can be. [5]

6. Watch out for pedestrians.

Always take extra time to watch for pedestrians on poorly lit roads. People don’t always wear safety gear, which can be incredibly difficult to see after dark. Also, make sure you’re not driving distracted, whether texting, adjusting the radio, or eating in your car. Taking your full attention off the road is a bad idea. [6]

7. Keep up with your yearly vision tests.

Stay current on eye exams to ensure your vision is at its best, especially while driving at night. If you wear glasses, ensure they are anti-reflective to reduce glare and increase visibility. [7]

8. Watch out for wildlife.

Make sure to be extra cautious, slow down, and keep an eye out for any big animals. Hitting a deer or an elk is hazardous to drivers and passengers, often resulting in thousands of dollars in vehicle damage. [8]

One of the best ways to protect yourself and your vehicle from any harm from driving at night is to ensure you have the right auto insurance.

Sources:

[1] “The Most Dangerous Time to Drive,” nsc.org/road/safety-topics/driving-at-night? (accessed Jan. 6, 2023).

[2] “Drivers are Falling Asleep Behind the Wheel,” nsc.org/road/safety-topics/fatigued-driver (accessed Jan. 6, 2023).

[3] “What is Defensive Driving?” safemotorist.com/articles/defensive-driving (accessed Jan. 6, 2023).

[4] “10 Night Driving Safety Tips You Should Know for Future Road Trips,” self.com/story/night-driving-safety-tips (Dec. 14, 2020).

[5] “Enjoy the Stars: 5 Critical Tips for Safe Night Driving,” driving-tests.org/beginner-drivers/top-5-tips-for-safe-night-driving (accessed Jan. 6, 2023).

[6] “Night Driving Tips: What You Need to Know,” idrivesafely.com/defensive-driving/trending/night-driving-tips-what-you-need-know (accessed Jan. 6, 2023).

[7] “Safety Tips for Night Driving,” verywellhealth.com/night-driving (July 12, 2022).

[8] “Watch for wildlife on highways and avoid costly collisions,” Connor Liess, cdapress.com/news/2022/nov/24/watch-wildlife-highways-and-avoid-costly-collision (Nov. 4, 2022).

Disclaimer:

The information included here is designed for informational purposes only. It is not legal, tax, financial or any other sort of advice, nor is it a substitute for such advice. The information may not apply to your specific situation. We have tried to make sure the information is accurate, but it could be outdated or even inaccurate in parts. It is the reader’s responsibility to comply with any applicable local, state or federal regulations. Nationwide Mutual Insurance Company, its affiliates and their employees make no warranties about the information nor guarantee of results, and they assume no liability in connection with the information provided. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2023 Nationwide and Shield Insurance

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What Is Power Steering Fluid?

What Is Power Steering Fluid?

Posted on by Shield Insurance Agency

Nationwide | February 22, 2023 | Power Steering | Auto Insurance | Start a quote today!

Like all fluids in your vehicle, power steering fluid plays an important and specific role in keeping your car operating at peak performance. This fluid is critical for providing the steering system with hydraulic assistance so you can turn your vehicle’s steering wheel easily. It also helps lubricate the power steering pump and the steering components. Power steering fluid even prevents corrosion. Because this fluid serves various purposes, you can see why it’s important to use the right kind. [1]

Where is the power steering fluid located?

When you’re looking for the power steering fluid under the hood, check the passenger side of the vehicle, and you should be able to spot the reservoir. The power steering fluid is usually in a white or yellow container with a black cap labeled “power steering” or “steering fluid.” [1]

How to check power steering fluid

If you hear a whining sound coming from your hood when you turn or if it’s becoming more difficult to turn, your car might be running low on power steering fluid.

Before checking your car’s power steering fluid, warm the engine to a normal operating temperature by turning the steering wheel in one direction until it stops. Next, turn the wheel all the way in the opposite direction. Repeat this process several times, then follow the steps below:

  1. Turn off the engine.
  2. Wipe the power steering reservoir and cap clean with a cloth.
  3. Check the dipstick attached to the reservoir to see the fluid level, then wipe it clean.
  4. If the fluid level is below the MIN line, add new fluid, careful not to exceed the MAX line.
  5. Examine the quality of fluid in the reservoir. [2]

What color is the fluid?

Most power steering fluid is red, amber, pink, or clear. If the fluid is lighter, it doesn’t contain any debris and is okay to use. It likely needs to be changed if it’s dark brown or foamy. [1]

What does power steering fluid do?

Power steering fluid is a hydraulic fluid used in the steering system to decrease the effort required to turn the wheels. It also lubricates the moving parts within the steering system and prevents corrosion in the power steering gear to keep the vehicle working optimally. [1]

How often do I need to replace the power steering fluid?

On average, your car needs a power steering fluid flush every 40,000 to 80,000 miles. Your recommended flush routine depends on your vehicle because the steering system and fluid needs vary by car. Check your owner’s manual for specific manufacturer recommendations. [3]

Can you drive without it?

When you drive without power steering fluid, you need to exert more force when turning the wheel, and the steering is much heavier. If you wait a long time before filling your car with power steering fluid, damage to the steering pump becomes inevitable. When the pump vanes lack lubrication, the risk of damaging the drive belt increases. The shaft and rack seal can also break down without power steering fluid. [4]

Cons of driving without fluid:

  • Noisy steering
  • Jerky or jumpy power steering
  • Difficulty turning the steering wheel
  • Stains or puddles under the vehicle
  • Locked steering wheel [5]

Types of power steering fluid

  • Automatic transmission fluid (ATF): The same fluid used for automatic transmissions can be used in some power steering systems.
  • Synthetic power steering fluid: A fluid usually engineered for specific types of cars or steering systems. Most newer vehicles use synthetic fluid created in a lab.
  • Nonsynthetic mineral power steering fluid: Mineral hydraulic fluid may be used in some instances that accept ATF. [2]

Which power steering fluid is right for your car?

No single rule applies when it comes to power steering fluids for cars. Instead, take time to review your owner’s manual, do some online research, or check with your dealership’s service department to ensure that the fluids you’re using are right for your car.

Power steering fluid substitutes

Can you use brake fluid for power steering fluid?

Using brake fluid in the power steering system will damage your car. Both fluids may have been similar in the past, but now they are very different and should only go in their designated systems. [6]

Can you use transmission fluid for power steering fluid?

It gets a little trickier when deciding if you can use automatic transmission fluid instead of power steering fluid. You want to ensure you’ve done your homework on this one before you consider swapping out fluids. While some systems were designed to use automatic transmission fluid, others require that you use only steering wheel fluid.

Before doing car maintenance on your own, check your owner’s manual to see what the car manufacturer recommends. It should specifically state in the manual which fluid to use. Some models require specific fluid types, such as synthetics, so it’s worth taking the time to track down the correct information. If you can’t find your owner’s manual, contact a car mechanic or car dealership and talk to the service department. [7]

Using the wrong type of fluid can cause damage to some seals, plastic, and rubber components inside your vehicle. And, if it doesn’t mix well with the fluid you’re adding it to, it could create an acidic reaction. [8]

Adding power steering fluid isn’t the only important maintenance task to perform on your car. Use this maintenance checklist to keep up with the various time-sensitive checks and changes your vehicle needs to run at its best.

Sources:

[1] “What Is Power Steering Fluid? Everything You Need to Know,” uti.edu/blog/automotive/power-steering-fluid (Mar. 29, 2021).

[2] “Power Steering Guide: Everything You Need to Know,” Chris Hardesty. kbb.com/car-advice/power-steering-guide (Oct. 12, 2021).

[3] “Do I Need a Power Steering Fluid Change?” chapelhilltire.com/do-i-need-a-power-steering-fluid-change (accessed Dec. 22, 2022).

[4] “Is it safe to drive a vehicle without power steering fluid?” cfmautopro.ca/blog/is-it-safe-to-drive-a-vehicle-without-power-steering-fluid (Jan. 7, 2021).

[5] “What Happens If You Drive The Car With Low Power Steering Fluid?” Tsukasa Azuma. carfromjapan.com/article/car-maintenance/what-happens-if-you-drive-the-car-with-no-power-steering-fluid (May 17, 2021).

[6] “Can I Use Break Fluid in Power Steering? What Will Happen?” drivinglife.net/brake-fluid-in-power-steering (July 2019).

[7] “How Much Does a Power Steering Flush Cost?,” gobdp.com/blog/power-steering-fluid-car/ (accessed Dec. 22, 2022).

[8] “Power Steering Fluid Alternatives,” Richard Reed. thevehiclelab.com/power-steering-fluid-substitute/ (Aug. 31, 2021).

Disclaimer:

The information included here is designed for informational purposes only. It is not legal, tax, financial or any other sort of advice, nor is it a substitute for such advice. The information may not apply to your specific situation. We have tried to make sure the information is accurate, but it could be outdated or even inaccurate in parts. It is the reader’s responsibility to comply with any applicable local, state or federal regulations. Nationwide Mutual Insurance Company, its affiliates and their employees make no warranties about the information nor guarantee of results, and they assume no liability in connection with the information provided. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2022 Nationwide and Shield Insurance Agency

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Your Guide to Driving in a Roundabout

Your Guide to Driving in a Roundabout

Posted on by Shield Insurance Agency

Nationwide | March 15, 2023 | roundabout | Auto Insurance | Start your quote today!

Even though roundabouts are more common in European countries, they are growing in popularity everywhere in the United States, especially in cities that want to increase traffic flow and prevent clogs at popular intersections. If you haven’t driven through a roundabout before, it can be confusing. That’s why it is essential to familiarize yourself with them so you can move around them safely. [1]

What is a roundabout?

A roundabout is a circular-shaped intersection where drivers move counterclockwise around a center point. There aren’t any traffic signals or stop signs. Instead, every driver yields at the entry of the roundabout to other traffic. Once you’ve entered the roundabout, you may enter the intersection and exit at your desired street. The Federal Highway Administration studied roundabouts and found they can increase traffic capacity by as much as 50 percent compared to more traditional intersections. [2]

What are the differences between roundabouts and traffic circles?

Although most people believe roundabouts and traffic circles are the same, the two have distinct differences. Traffic circles often have stop signs or traffic signals within the circle’s intersection. To enter the traffic circle, vehicles enter in a straight line. Vehicles in the circle have the right of way, while vehicles approaching and attempting to enter must yield to vehicles already in the circle. Traffic circles are designed to allow vehicles to enter and circulate at higher speeds, and they are typically much larger than roundabouts.

The roundabout is designed to provide a more positive direction to motorists as they approach, enter, and exit the roundabout. The entrances are tapered, so the vehicles don’t enter the roundabout at 90 degrees. Traffic speeds are lower compared with a traffic circle. In a roundabout, the entry points are yield-controlled, which prevents traffic from locking up and allows the free flow of vehicles. [3]

Top 7 tips for driving in a roundabout

  1. Slow down. Pay close attention to the change in speed limit around the roundabout and decrease your speed when approaching the entrance. Going slower allows you more time to make decisions and be better prepared to yield to other road users.
  2. Yield. Look around as you approach the roundabout. Yield to the drivers already in the roundabout and pedestrians and bicyclists in the surrounding area.
  3. Choose the right lane. If there is more than one lane, use the left lane to turn left, the right lane to turn right, and all lanes to go through, unless directed otherwise by signs and pavement markings. Make sure to use your indicator to let all cars in the roundabout know where you are going.
  4. Don’t drive next to large vehicles. Always assume trucks and larger vehicles need all available space. Therefore, do not pass them or drive close to them.
  5. Do not stop. Once you’ve entered the roundabout successfully, do not stop. If you miss your exit, continue driving in the roundabout until you have circled and reached your exit again.
  6. Stay in your lane. Do not change lanes within the roundabout. Instead, stay in the lane that you entered and use your right turn signal to indicate your intention to exit.
  7. Let emergency vehicles pass. Make sure to clear the roundabout to allow emergency vehicles to pass. [1]

Benefits of using a roundabout

Compared with other types of intersections, roundabouts have demonstrated many benefits. Roundabouts:

  • Improve safety: Slower speeds are generally safer for pedestrians. In addition, head-on, and high-speed right-angle collisions are virtually eliminated.
  • Reduce congestion: They make traffic efficient during peak hours and other times. Typically, there’s less of a delay.
  • Reduce pollution and fuel use: Fewer stops and hard accelerations mean less time idling.
  • Save money: There’s no signal equipment to install and maintain. Smaller roundabouts may require less right-of-way than traditional intersections. Often less pavement is needed. [4]

What else should you know about roundabouts?

Studies by the Federal Highway Administration suggest that roundabouts can improve traffic capacity by 30% to 50%. They can reduce overall collisions by 37%, injury collisions by 75%, fatal collisions by 90% and pedestrian collisions by 40%. Although the public tends to fear roundabouts when they are first introduced, the approval rate doubles once drivers get used to them. If you are concerned about your ability to successfully navigate a roundabout, consider taking an adult driver’s ed lesson to refresh your skills. [1]

With all this knowledge, now you can take to the road and successfully navigate roundabouts with ease. While on the road, ensure that your vehicle and you are protected with auto insurance.

Sources:

[1] “What Is a Roundabout and How Do I Drive Through One?” driversed.com/trending/what-roundabout-and-how-do-i-drive-through-one (Nov. 16, 2021).

[2] “How to Drive in a Roundabout: A Helpful Guide,” drivesafeonline.org/traffic-school/how-to-drive-in-a-roundabout (March 24, 2020).

[3] “Traffic Circles & Roundabouts,” Gordon Meth, robsonforensic.com/articles/traffic-circles-roundabouts-expert-article (June 4, 2013).

[4] “Roundabouts: A Safer Choice,” highways.dot.gov/sites/fhwa.dot.gov/files/2022-06/fhwasa08006.pdf (accessed Feb. 2, 2023).

Disclaimer:

The information included here is designed for informational purposes only. It is not legal, tax, financial or any other sort of advice, nor is it a substitute for such advice. The information may not apply to your specific situation. We have tried to make sure the information is accurate, but it could be outdated or even inaccurate in parts. It is the reader’s responsibility to comply with any applicable local, state, or federal regulations. Nationwide Mutual Insurance Company, its affiliates, and their employees make no warranties about the information nor guarantee of results, and they assume no liability in connection with the information provided. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company and Shield Agency. © 2023

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When a Car Recall covers your auto.

When a Car Recall includes your auto.

Posted on by Shield Insurance Agency

Nationwide | January 27, 2023 | Car Recall | Auto Insurance | Start your quote today!

A car recall can hit home, but the process may be relatively painless.

It can be quite unsettling to discover that your car has been recalled. And it’s happening more than ever: There were over 400 recalls in the U.S. in 2022 according to the National Highway Traffic Safety Administration (NHTSA). Recently, the NHTSA issued a recall on Takata airbags, one of the largest and most complex safety recalls in U.S. history, affecting approximately 47 million vehicles. Visit NHTSA for details and see if you’ve been impacted. [1]

“With so many new cars on the market every year, the chance of yours being recalled at some point during its life span is pretty good,” says consumer auto expert Kristin Varela of Cars.com.

What is a car recall?

For starters, car recalls can result from a number of events. Car manufacturers will put their products through multiple tests and may issue a recall based on subsequent findings. NHTSA can also ask for a recall after investigating a number of complaints from owners. If your vehicle is subject to a recall, don’t panic; it doesn’t necessarily mean that the car has a defect. Sometimes a recall is intended to check for potential defects, Varela says.

“Recalls are issued because the defect or possible defect might make the vehicle unsafe in some way,” she says. “You don’t have to wait to be contacted by mail, which happens 2 or 3 months after a recall is announced. After all, chances are that you’re transporting your most precious cargo: your family. It’s always better to be safe than sorry.” To stay connected, NHTSA provides recall notifications and updates. You can sign up there to receive notifications via email or have alerts sent directly to your phone through NHTSA’s Safer Car app.

What happens if your car is recalled?

The recall letter should have instructions on how to proceed. Typically, you will be advised to take your vehicle to an authorized local dealer to conduct a maintenance check for defects, update software or replace parts. Make sure to call and set up an appointment beforehand. 

Is there a cost to car recall?

For any recall, defective parts are replaced at no cost to the owner. As for anything else, that depends upon the manufacturer in question. However, automakers have been known to provide free rentals, taxi reimbursements, and even the free pickup and return of the vehicle in question.  

In addition to paying attention to vehicle recalls, having the right auto insurance is another safety essential. Learn about Nationwide’s available car insurance coverage options today. 

Sources:

[1] “Automakers With The Most Recalls In 2022,” carpro.com/blog/automakers-with-the-most-recalls-in-2022 (Jan. 5, 2023)

Disclaimer:

The information included here is designed for informational purposes only. It is not legal, tax, financial or any other sort of advice, nor is it a substitute for such advice. The information may not apply to your specific situation. We have tried to make sure the information is accurate, but it could be outdated or even inaccurate in parts. It is the reader’s responsibility to comply with any applicable local, state, or federal regulations. Nationwide Mutual Insurance Company, its affiliates, and their employees make no warranties about the information nor guarantee of results, and they assume no liability in connection with the information provided. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company and Shield Agency. © 2023

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How to use car wax

How To Use Car Wax

Posted on by Shield Insurance Agency

Nationwide Blog | March 22, 2023 | Car Wax | Auto Insurance | Start A Quote Today!

If you just bought a new car or had it painted, you want to keep it looking new for as long as possible. Waxing your car with car wax can be very beneficial to maintain that fresh look.

What is Car wax? And what does car wax do?

Car wax, or automotive wax, can be natural or synthetic and is designed to protect the body parts of a vehicle and enhance the paint’s shine. [1]

Waxing your car is a great way to keep it looking sharp, but did you know it has many more benefits? In addition to giving your car a beautiful shine, waxing helps by:

  • Protecting the paint from airborne contaminants and the elements. By forming a protective coat, it prevents corrosive elements (such as salt or tar) and bugs from becoming embedded in your paint.
  • Preventing paint chipping. It also slows the effects of smog, wind, rain, and sun on your finish.
  • Filling in scratches. While you can’t remove minor scratches from your car by waxing, you can help make them less noticeable.
  • Expediting the car-washing process. Without a coat of wax, it’s harder to remove impurities like bugs, sap, and other unwanted substances that can collect during your daily drive.

What are the different types of car wax?

Waxing your vehicle will make it shine and protect the finish from various environmental hazards, mainly birds, tree droppings, and pollutants. There are plenty of car wax types on the market; here are the pros and cons of each. [2]

Liquid car wax

Liquid wax is the best for cleaning, gloss, and durability, but it’s somewhat challenging to apply. Some liquid waxes are also slightly abrasive, which could damage your car’s finish.

Paste waxes

Paste waxes are very easy to apply, but they tend to lose their luster sooner than liquid waxes. It may also contain abrasive components, so be careful when applying it to your car.

Spray waxes

Spray waxes work well for the paint on newer cars and are the quickest to apply, but they do not last as long as a liquid wax. In addition, spray waxes are typically nonabrasive.

Check with the dealership where you purchased your vehicle or the shop that painted it to get recommendations on which type of wax would be best for your vehicle’s finish and the environment you will be driving in.

How often should you use car wax?

To reap the benefits of waxing, you’ll need to maintain a regular schedule. Waiting until it looks like a fresh coat of wax will make your vehicle more vulnerable to small chips and fading paint.

Just as you have a regular maintenance schedule for your engine, it’s essential to have a regular schedule to maintain the exterior. How often you wax can depend upon several factors, including:

  • How often you drive your vehicle
  • Whether it’s parked in a garage or out in the open
  • The type of wax you use

If you want that fresh-from-the-showroom-floor look, some experts recommend you wax your car about once a month. Some of the newer synthetic waxes on the market claim they can keep a showroom-worthy shine for up to a year; others say every three months is sufficient.

One way to tell it’s time to wax your car is to see if water beads on the surface when it’s wet. If not, it’s time for a new coat of wax. [3]

How to properly wax a car

The easiest way to get a super shine is to go to a car wash that provides a professional wax service. But you can also do it yourself and get fantastic results. An electric polisher will make the job easier and faster, but you can also do it by hand and get a beautiful finish.

How to Wax a Car by Hand

  1. Wash your car.
  2. Apply the appropriate kind of wax.
  3. Work in sections and rub in the wax using polishing pads. [4]

How to Wax a Car with a Buffer

  1. Wash your car.
  2. Apply the appropriate kind of wax for a mechanical buffer.
  3. Buff in the wax, being sure to follow the instructions for your mechanical buffer. [4]

Car Waxing Tips

Keep these tips in mind for the best results:

Prep for your wax with clay

A clay bar is used as part of the cleaning process before waxing. Even after a thorough wash, your vehicle will still have some gunk embedded in the finish — which is where clay bars come in. Used with a lubricant, a clay bar grabs these particles out of the finish. As with the waxes, there are various levels of abrasiveness with clay bars, and you need to make sure you use one suitable for your vehicle’s finish.

Once you have “clayed” your vehicle, you can apply a fresh coat of wax to keep other contaminants out. While waxing cannot make your old car look new, it can protect the finish of a new or newly painted car for years to come.

Always wax your car in the shade

Try to wax your car under a protective cover, such as a carport, tent, or other structure. On a sunny day, your car can become hot, and when you apply wax to the hot surface, the wax will dry quite quickly. This makes it more difficult to remove.

Another reason to wax undercover is the possibility of bad weather. The wax can’t adhere properly to the surface of a wet car and can create a sloppy mess. It can also run off the body of the car and get on the molding and plastic parts, which can be a pain to remove. [5]

Apply car wax to small sections

Complete each section before moving on to the next to avoid having the wax dry. Adding more wax will not give you a better shine; it will just make it harder to buff the wax off. If you want more shine, add another coat, but check the label to see how long the first coat should be allowed to dry before applying the second one.

Make friends with microfiber

These are the best towels for polishing your car because they don’t leave behind lint and are great for buffing. Be sure to have plenty of towels on hand, so you’re not using a wax-caked towel.

Use a soft brush for gaps and molding

Keeping a soft brush handy while waxing your car can help get wax off molding and out of cracks. You can buy these brushes at most auto parts stores, which are typically inexpensive. Removing wax from a car’s molding after it’s dry can be tricky, and sometimes the wax will leave permanent staining. Instead, use a soft brush to remove wax from moldings or cracks before it dries to help avoid permanent staining.

Use a random orbital buffer to car wax

Waxing your car with a mechanical buffer can save time and effort, making waxing your car a breeze. Many people prefer rotary buffers; however, they spin in a circular motion at a high velocity, which can cause permanent “burn” marks from the edge of the pad digging into the paint. Rotary buffers can also cause swirl marks due to the pad becoming dry and making micro scratches in the paint.

To help prevent this, use a random orbital buffer, which moves the pad in a random pattern rather than a circular one. This results in an even application of wax without the risk of creating damaging marks. Both the rotary and random orbital buffers are similarly priced. [5]

How long does car wax last?

In each case, the time and care you spend waxing your vehicle will translate into how long the job will last. If you are willing to spend the time and elbow grease, you can expect your shine to last up to 3 months. A general rule of thumb is to wash your vehicle weekly and wax it every 8 to 12 weeks. [3]

Waxing your vehicle is a great way to ensure it stays shiny and looks great. Waxing helps protect your car’s paint from damaging sun rays, abrasive dirt, and chemicals in the rain and snow. Proper, regular waxing can extend the life of your car’s paint and help keep your vehicle looking sharp long into the future.

For more tips on keeping your car in mint condition, discover cleaning tools every car owner should have.

Sources:

[1] “The Truth About Car Wax: 9 Things You May Have Overlooked!” avalonking.com/blogs/guides/the-truth-about-car-wax (March 28, 2019).

[2] “How Car Wax Protects Your Car’s Finish,” turtlewax.com/blogs/how-to/how-car-wax-protects-your-car-s-finish (accessed Dec. 8, 2022).

[3] “How Often Should You Wax Your Car?” Jessica Shea Choksey, jdpower.com/cars/shopping-guides/how-often-should-you-wax-your-car (Dec. 18, 2020).

[4] “How to Wax a Car by Hand or with a Buffer,” Chloe Murphy, leasefetcher.co.uk/guides/car-maintenance/how-to-wax-car (Aug. 26, 2021).

[5] “How to Wax Your Car with Amazing Results: 7-Step Guide,” driving-tests.org/beginner-drivers/how-to-wax-your-car/ (accessed Dec. 9, 2022).

Disclaimer:
The information included here is designed for informational purposes only. It is not legal, tax, financial or any other sort of advice, nor is it a substitute for such advice. The information may not apply to your specific situation. We have tried to make sure the information is accurate, but it could be outdated or even inaccurate in parts. It is the reader’s responsibility to comply with any applicable local, state or federal regulations. Nationwide Mutual Insurance Company, its affiliates, and their employees make no warranties about the information nor guarantee of results, and they assume no liability in connection with the information provided. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2022 Nationwide

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Scooter safety tips

Scooter safety tips

Posted on by Shield Insurance Agency

Foremost | Scooter Safety | Shield Insurance | Start a quote today!

With increasing gas prices it’s hard not to notice the spiking trend of people choosing scooters as alternate transportation. Whatever make or model you choose to fit your style, you can’t deny the money-saving and environmental effects riding a scooter has over driving a 2-ton motor vehicle that only gets 20 miles to the gallon.

A growing problem with having more people on scooters is how to safely share the road. State legislation varies on scooters; some states equate scooters with bicycles, in-line skates, and skateboards, while other states put scooters in the same category as motorcycles, requiring helmets and regulating where scooters can be ridden. Check your state’s DMV Web site for the appropriate laws and licensing rules for your state.

Regardless of where you live, scooters are most likely sharing the road with vehicles that significantly outweigh them and can easily overtake them. By using common sense and some very simple safety tactics, scooter riders can effectively, and safely, share the road with other vehicles.

Scooter safety tip: Wear a helmet

Even if your state does not require you to, studies show helmets significantly minimize head injuries if an accident occurs.

Scooter safety tip: Use your lights

Always turn on your headlight when you’re riding your scooter even during the day, especially if it’s raining, and of course always in the evening. Make sure you can be seen by other cars.

Scooter safety tip: use turn signals

Just like in a car, you need to let people know where you are going. In addition to a signal light, it’s also a good idea to use hand turn signals that motorcyclists and bicyclists use when they are sharing the road with cars. Based on U.S. standards, for a left turn, extend your left arm straight out in the direction of the turn, parallel to the road. For a right turn, extend your right arm straight out in the direction of the turn, parallel to the road.

Obey speed limits and road markings

Obey all posted limits and follow lane markings. Don’t attempt to make a right turn by coming up next to a vehicle on the shoulder, unless there is a lane. You could easily be in a car’s blind spot and be hit if they turn right as well and can’t see you.

Scooters are a fresh alternative to getting around town while saving money and the environment. Riding scooters present challenges that any motorist faces when sharing the road with vehicles of all sizes and speeds. Keep your head about you and make sure you put safety first when taking your new scooter out for a spin.

Looking for Scooter Insurance?

Foremost offers scooter insurance on all scooter makes and models and offers coverages such as:

  • Physical Damage and Liability
  • Total Loss Replacement Coverage
  • Towing and Roadside Assistance
  • Safety Apparel and Optional Equipment when Physical Damage coverage is purchased.

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