Do-It-Yourself Tips

How to Maintain Your Car in Gilbert, AZPurchasing a car is a big investment. Some people keep cars for 10+ years, while others trade them in only after a few years of driving. Either way, taking pride in your vehicle and keeping it properly maintained is crucial for increasing the longevity of your car. Here are five key tips to keeping it maintained properly.

Wash Your Car Often

Some people are great at keeping their car clean, while others may let it go until someone writes “Wash Me!” on the window. Keeping your car clean is crucial for resale/trade in value because contaminants like dust, pollen, tree sap, bugs, bird droppings, salt and more damage your paint and finish.

Heat, rain and air pollution can also affect the longevity of your paint and finish.

When should you wash your car immediately? If newly splattered bugs, bird droppings, and tree sap appear on your car. If you have a long commute to work each week, consider washing it weekly since dirt, pollen, gravel or air pollutants can have an impact on your car’s paint.

When to wash your car 1-2x a month

If you have mild weather, if you don’t drive your car much where it wouldn’t be exposed to tree sap, bugs, and bird droppings or if your car stays in a closed garage most of the time.

Fill The Gas Tank Before It Gets Too Low

Gasoline can act as a coolant for your electric fuel-pump motor. When your gasoline level is very low, the pump sucks in air, which can create heat and cause the fuel pump to work harder. There is a chance the fuel-pump motor could wear prematurely or fail if you always drive your car when it’s near empty.

Don’t rely on your car telling you how many miles are empty. When your tank is ¼ full, fill it up.

Check The Air Filter

Look to replace your air filter once a year or every 20,000 miles. It’s fairly inexpensive and can actually benefit you by increasing your fuel efficiency, reduce emissions and prolong your engine life.

Check the Fluids

Fluids play an important role in your engine and car health. While most of us leave it to the professionals to check the different fluid levels, there are some you can do yourself on a monthly basis.

Check your windshield wiper fluid. Your windshield wiper fluid reservoir is typically a large, white plastic container with a windshield wiper image on it. You can always check your owner’s manual to make sure it’s correct. If the fluid level is less than the line shown or less than three quarters full, fill it up.

Check your oil. Once you’ve found your dipstick, pull it all the way out and wipe the end. Then, reinsert the dipstick. When you pull it out again, see where the oil level lines up on the line. It should be near the full line. If it’s not, add more oil.

Replace the Fuel Filter

Your fuel filter catches particles, debris and impurities in your gas tank before the fuel reaches the pump. This makes sure only clean gasoline reaches your engine. You want to avoid any debris clog up over time. Replacing your fuel filter may be different depending on the on the car and what the manufacturer recommends.  Check your owner’s manual to find out the timeline for your vehicle and leave this one to an expert unless you’re especially handy.

While we can’t help you maintain your vehicle, we can find you great rates on your home and auto insurance.

So, if you’re looking for insurance in Gilbert, give us a call.  Founded in 2005, Insurance Brokers of Arizona is a leader in quality protection for individuals, families and businesses throughout the Southwest. Insurance Brokers of Arizona is currently licensed in Arizona and California. Providing world class customer service with our extremely experienced and knowledgeable team, paired with our ability to understand our customer’s coverage needs, drives the success of our agency.

By offering protection for your AutoHomeBusiness and Health Insurance, we make sure that you’re covered today, as well as in the future, so that you can focus on what is important to you and your family. At Insurance Brokers of Arizona our #1 job is to assist you in identifying your needs and problems, while putting together a customized plan that’s simple and easy to understand.

Answers for Your Rock Chip Claims

Do Rock Chip Claims Increase My Insurance in Gilbert, AZ?We’ve all seen the tents around claiming, “Free rock chip repair!” but clearly there is a hidden cost somewhere. Sure, the insurance companies will pay the people at the tent to inject an epoxy into the chip in hopes that it doesn’t run and turn into a non-repairable crack. After all, the insurance company clearly sees that $40 is better than the $250 to have the windshield replaced.

So the question is: Can a rock chip claim impact my insurance rates? Short answer is yes, it is possible.

Depending on your insurance company you may upset a delicate balance of claims loss. Most insurance companies use rating factors into their algorithms such as age, zip code and certainly previous losses. Some insurance companies claim that people who turn in multiple glass claims have an overall higher loss rate and cost them more money in future claims. Furthermore, it depends on how many claims you have over a certain period of time. For instance, if you file a theft claim, then you have a rock chip claim the next week, this may flag your policy for filing too many insurance claims over a certain period of time generating a rate increase. This happens because when you stop at a rock chip repair tent they will ask you for your policy number and turn in an insurance claim so they can get paid (if you have comprehensive insurance).

Not all insurance companies do this and telling which ones do and which ones don’t can be very difficult. Trust your local insurance agent to place you in the best place for your insurance needs. If you’re a heavy commuter and typically need a new windshield every year, perhaps your agent can determine what company they offer that is a bit more lenient about this than others. Some companies even offer zero deductible glass replacement. Regardless of your situation, always discuss your insurance options with your licensed insurance agent.

Founded in 2005, Insurance Brokers of Arizona is a leader in quality protection for individuals, families and businesses throughout the Southwest. Insurance Brokers of Arizona is currently licensed in Arizona and California. Providing world class customer service with our extremely experienced and knowledgeable team, paired with our ability to understand our customer’s coverage needs, drives the success of our agency.

By offering protection for your AutoHomeBusiness and Health Insurance, we make sure that you’re covered today, as well as in the future, so that you can focus on what is important to you and your family. At Insurance Brokers of Arizona our #1 job is to assist you in identifying your needs and problems, while putting together a customized plan that’s simple and easy to understand.