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When you consider potential sources of damage to your car, what comes to mind?
Most people think of fender benders, major accidents, and natural disasters. There’s another category that many vehicle owners overlook: wildlife.
Did you know animals can cause serious damage to your car? This goes beyond a deer jumping in front of your vehicle on a country road. Other, smaller creatures can wreak havoc on your car, even while it’s parked. Squirrels, rats, mice, and even woodchucks have been known to nest in cars and chew wires or cause other damage. To prevent these pests from wrecking your ride, use the following tips.
Hide it: One of the most effective ways to protect your car from wildlife is to park it in a garage. Keep in mind that rodents can squeeze through the tiniest openings, so it’s important to make sure the garage is well-sealed.
Clean it: If you make a drive-through run, don’t keep that burger wrapper in your car afterward. Keep your interior free of all food and garbage to avoid any enticing aromas or leftover crumbs that could attract pests.
Treat it: Products are available to treat your wires, making them less desirable to wildlife. Bad-tasting sprays and treated tapes are possible deterrents. These may prove helpful if you are unable to park your car indoors.
Chances are buying auto insurance isn't on your top ten list of fun things to do this weekend. Don’t worry - it's easy to buy right when you follow these simple steps:
Review your current coverage at least 30 days prior to the renewal date. Not only will you have a current copy of your renewal notice, but it allows you plenty of time to make necessary changes to your policy due.
Make a List
Make sure you understand current limits and exclusions in effect on your policy then ask about any changes or modifications that may impact the premium. For example, if you have recently had a change of marital status or employment it could impact your rates. Inform your agents of all changes to find out if you qualify for better rates.
Ask for discounts! It is possible to reduce premiums by 5 to 25% by combining common discounts, including special rates for organizations and memberships, as well as safe driver and multiple policy discounts.
Different makes, models and safety features can save thousands of dollars over the life of the vehicle. The same applies when it comes to customized features; everything from the stereo to security systems dramatically influences insurance rates.
Prior to making modifications to the vehicle ask your agent for a quote related to additions or modifications to the vehicle.
Eliminate and Don’t Duplicate
Don’t pay for coverage you already own; common examples include rental coverage or supplemental medical coverage.
Well, a few billion things probably separate you and me from Bill Gates, but he has a habit that may have contributed to his success in a big way: Bill Gates is a voracious reader. He reads about 50 books per year. His reason why: “Reading is still the main way that I both learn new things and test my understanding.”
On his blog gatesnotes, Gates recommended Hillbilly Elegy by J.D. Vance, the personal story of a man who worked his way out of poverty in Appalachian Ohio and Kentucky into Yale Law School – and casts a light on the cultural divide in our nation. Gates wrote, Melinda and I have been working for several years to learn more about how Americans move up from the lowest rungs of the economic ladder (what experts call mobility from poverty). Even though Hillbilly Elegy doesn’t use a lot of data, I came away with new insights into the multifaceted cultural and family dynamics that contribute to poverty.
We all have stories about our unique financial situations and dreams of where we want to go. And none of us want money – or lack thereof – to hold us back.
What things, ideas, or deeply-ingrained habits might be keeping you in the financial situation you’re in? And what can you do to get past them? I have plenty of ideas and strategies that have the potential to make big changes for you.
Contact us today, and together we can review your current financials and work on a strategy to get you where you want to go – including some reading material that can help you in your journey to financial independence.
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