Even people who love winter do not enjoy one of the season’s most unpopular jobs: clearing snow and ice off their cars.
The good news is that the job can be made easier by following a few simple tips. They include:
- Turning on your front and rear defrosters as soon as you start clearing. If you have a push start, now is the time to take advantage of it.
- Give yourself more time than you think. This can be a tough job, and you may need a break or two after scraping away at ice for a long stretch of time.
- Don’t pull on frozen windshield wipers! This could totally ruin them. Instead, use an ice scraper to chip away at the ice and give the car defroster time to do its job.
- Avoid hot water. Pouring hot water on ice-cold glass can cause the glass to break. (Plus, the puddle it leaves behind can lead someone to suffer a nasty spill.)
- Use a proper snow brush. Shovels and other brushes not marketed for safe use on cars can leave behind scratches.
- Start from the top. Clear snow from the the roof and work your way down—clearing the top part of the car later could undo the work you did on the bottom half of the car. And you can’t drive around with a roof full of snow anyhow.
- Consider using a deicing spray. Commercial-grade sprays can make the job faster and easier.
- Blow through a straw to let your breath melt a frozen lock. Another option is to apply a bit of hand sanitizer to your key and the door lock.
Of course, the best way to deal with winter is to park your car in a garage or carport. If that’s not possible, try taking these steps beforehand.
- Place socks over your windshield wipers and pop them up. This will help prevent them from freezing.
- Put plastic bags over mirrors. Use rubber bands to secure them into place.
- Spray a little cooking oil on rubber seals. This will help prevent them from sealing doors shut.
- Apply ice prevention spray on windows. You can find this product at auto specialty stores.
- Cover your windows. A piece of cardboard, towel or folded sheet can help prevent ice from forming on your windshield.
- Face your car east. In for the night? Then try to park your car facing east so the rising sun can help melt the snow and ice.
Clearing snow and ice off your car isn’t the most fun job, but it helps keep you and other drivers safe–and it may even be the law in your state.
While renting a new place to live can be an exciting venture, thinking about renters insurance is probably the least exciting part of the experience. When you’re already trying to make your budget stretch to cover a litany of new expenses, it seems difficult to justify adding another one to your list. However, since your landlord’s insurance will not cover the loss of your personal assets in an event such as a fire or burglary, renters insurance is a necessity. Fortunately, renters insurance is easily one of the most affordable types of insurance coverage.
So how much is renters insurance? The answer to that question is determined by several different factors:
How much coverage you need
In order to properly answer this question, you must take inventory of all of your possessions and assess their value. In addition to the big ticket items, such as electronics, furniture, and valuables, be sure to include the cost to replace things such as kitchenware, textiles, and clothing. Remember that your reimbursement costs will only be as much as the amount of coverage you choose. Those little items around your home add up!
In addition to covering the loss of personal property, your coverage should also include liability. This will cover medical expenses, should someone be injured while on your rented property, as well as legal expenses, in the event of a lawsuit. While liability coverage will increase your premium, keep in mind that these types of expenses can be hundreds of thousands of dollars, and coverage is likely more affordable than you might think!
The type of coverage you choose
Just like the value of your car, the value of your belongings depreciates with age. Insurance companies will offer you a choice between actual value coverage and replacement cost coverage. Actual value coverage insures the depreciated value of your belongings (in other words, the original cost of the items). Replacement cost coverage, on the other hand, covers the current market value of your possessions. Of course, while replacement cost coverage will be more expensive, it can be invaluable when replacing lost or damaged property.
The amount of your deductible
Your deductible is the amount you pay out of your pocket before the coverage from your policy kicks in. Deductibles vary widely in range, with the average between $500 and $1,000. If you choose a plan with a low deductible, your month to month premium with be higher than it would with a higher deductible. On the other hand, if you have a high deductible, then when the time comes to replace your belongings, you may find that your deductible is higher than the cost of replacing your items.
When you take into account all of these factors, the next question you should ask yourself is ‘where do I get renters insurance?’ The best way to determine exactly how much coverage you need and what the cost to you will be is to talk to an experienced insurance agent. At Cronk and Wisniewski Insurance Agency, our agents can help you determine what type of coverage is right for you. We want to make sure you find a policy that covers all of your needs at a rate you can afford. Don’t let another day go by without protecting your castle.
Call Cronk Insurance today at (814) 456-7501 to get more information and get the peace of mind you deserve!
3838 West 12th Street
Erie, PA 16505
Telephone: (814) 456-7501
FAX: (814) 459-6869