Spring on the Road 2018 by Northern Virginia Daily

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Spring on the Road 2018

The Northern Virginia Daily

4 simple ways to extend the life of your vehicle

utomobiles are significant investments. According to Kelley Blue Book, the average transaction price for light vehicles was $34,968 in January 2017, marking a 3 percent increase from just a year earlier. The decision to spend tens of thousands of dollars on a new vehicle is not one consumers should take lightly. Once drivers purchase their new vehicles, they can protect their investments and get greater returns on those investments by prioritizing maintenance and taking simple yet effective steps to extend the lives of their cars and trucks. 1. Drive defensively.

Aggressive driving is dangerous and can have adverse effects on a vehicle. When driving, always obey posted speed limits and avoid accelerating and decelerating quickly. Such a style of driving can strain vehicle engines and drive trains while negatively affecting fuel efficiency and wearing down brakes, states the National Institute of Automotive Service Excellence.

2. Maintain a clean vehicle.

Road salt can be extremely corrosive and, if left unremoved from a vehicle, can contribute to rust that ultimately can cause extensive damage to a vehicle.

tire pressure and keep tires adequately inflated. Vehicles that are slow to accelerate from resting positions may not have enough air in their tires.

3. Routinely check tire pressure.

4. Adhere to maintenance guidelines.

Many of today’s new vehicles alert Car washes do more than just clean drivers when tire pressure is low. a vehicle. Routine washing and wax- Drivers should not ignore such warnings, as low tire pressure can affect ing can remove dirt that, if left on a engine performance by forcing it to vehicle, can gradually scratch paint work harder than should be necesand contribute to chips and rust. sary. Engines that are forced to work Over time, rust can affect vehicle performance and may even compro- harder than they need to likely won’t last as long as those that run effimise the safety of drivers and their passengers if bad enough frame rust ciently. Low tire pressure also negatively affects fuel efficiency, potentialaffects structural integrity. Routine ly costing drivers substantial washing also can remove road salt from vehicles. Salt can build up dur- amounts of money over time. Drivers of older vehicles without tire presing winter when roads are routinely treated during and after snowstorms. sure alerts should routinely check

Drivers may have heard that today’s vehicles were built to go longer periods of time between oil changes and tuneups than the vehicles of yesteryear. But drivers should still adhere to manufacturer-recommended maintenance guidelines. Upon buying new vehicles, drivers should read their owners’ manuals to determine recommended maintenance intervals, and stick to those intervals for as long as they have their vehicles.

they’re making when buying new vehicles, many drivers want to get as many miles out of their vehicles as possible. Simple maintenance and safe driving habits can go a long way toward keeping vehicles on the Cognizant of the sizable investments road for years to come.

The Northern Virginia Daily

Spring on the Road 2018

Your vehicle has a recall...now what?

ehicles are expensive. When motorists drive their vehicles away from a dealership, they hope to travel many miles before they need to come back for maintenance. But manufacturers sometimes issue recalls that can affect drivers of both new and old vehicles.

Recalls are safety precautions taken should a portion of a vehicle or the entire car or truck not operate in the manner it was intended. In many instances, auto manufacturers will directly contact customers who are affected by a recall via a letter, email or both. Individuals also can stay current on recalls by visiting the National Highway Traffic Safety

Administration’s website (www.NHTSA.gov). According to AutoTrader, recalls are becoming more common because of the complexity of modern vehicles. NHTSA flagged nearly 22 million vehicles for safety issues in 2013, and that number is on the rise. Drivers can follow these important steps if they learn of a recall. Don’t panic, but don’t ignore recalls. The experts at Kelley Blue Book say recalls often occur due to a problem in the manufacturing process in similar models, and this issue may surface in other vehicles. Recalls do not guarantee vehicles will malfunction or break down. However, consumers are urged to take recalls seriously, adopting a “better safe than sorry” approach when recalls are announced. Follow the instructions. A recall notice should come with instructions. Instructions often advise drivers to take their vehicles to the dealership where the cars were purchased. Notices may provide information regarding nearby dealerships for drivers who have moved since buying their cars or trucks. No payment should be necessary. The cost of repairing the recalled part should not fall on your shoulders. Such repairs are paid by the manufacturer. The financial resource Bankrate.com notes that, “if you had the repair made before the recall was issued (up to a full year), the

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Be patient. Dealerships are not responsible for making repairs until the date indicated on the recall notice, so motorists may need to wait before having their vehicles repaired.

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Anyone having difficulty with a recall can contact the NHTSA online, by phone or by mail. Those who suspect a safety problem also can contact the agency and report their concerns.

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Request a loaner vehicle. In some instances, recalls may take a few days to fix. Although not every dealership may make loaner vehicles available, it’s still worth requesting one so you are not inconvenienced.

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automaker is legally obligated to reimburse you, as long as you had the work done at one of its franchised dealers.” Save all receipts for the work. If work was done by a private mechanic, drivers still may be eligible for reimbursement.

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Spring on the Road 2018

The Northern Virginia Daily

5 tips to successfully sell your car

elling a used vehicle does not have to be a complicated process. But too often private sellers struggle to sell their vehicles because they are unsure of how to do so. A little information on the selling process can make it easy to unload vehicles quickly and at the prices sellers desire. 1. Know the market. The experts at Edmunds say sellers should research the market before putting their vehicles up for sale. Compare the prices of similar makes and models, and track whether those vehicles are moving quickly. Cars that are hot commodities will sell relatively quickly. Even though these may not be the flashy vehicles, family sedans, trucks and vans tend to turn over fast. Convertibles, classic cars or those with special features may take longer to move and will have to be priced accordingly. 2. Determine the vehicle’s worth.

Just because sellers want to get predetermined amounts for their vehicles doesn’t mean those figures are the going rates for their cars and trucks. Using resources like Kelley Blue Book, NADA Guides and Autotrader.com can help sellers determine the value of their rides according to factors such as mileage, age, model, and condition of the vehicle.

3. Gather receipts and other paperwork.

Sellers should dig through their files to unearth maintenance receipts and other documentation on their vehicles. For those who can’t find receipts, ask for such receipts where the vehicle was serviced. According to Kelley Blue Book, proof of regular oil changes and other services can be a good selling point because it shows that the seller maintained the vehicle to the best of his or her ability. It could be worth the investment

to pull the CarFax® report on the vehicle as well to see how it measures up. Some buyers will request that information as well.

and the vehicle’s title.

photograph well for sale pictures.

4. Prepare the vehicle.

5. Advertise the sale.

The Department of Motor Vehicles also suggests gathering a release of liability form to keep sellers from being liable for any damages incurred after the vehicle is sold; warranty documents if the car is still under a manufacturer’s warranty;

Prior to selling, give the car a facelift and a good wash. Vacuum floors, floormats, seats, and the trunk. Clean the interior, and wash windows inside and out. A fresh wash and wax can improve the appearance of the vehicle and help it to

Advertise the vehicle in a variety of different formats. Opt for the classifieds section of a local newspaper, post it online and share through social media. A sign on the vehicle is also smart. This will improve the chances of it being seen.

The Northern Virginia Daily

Spring on the Road 2018

Safety measures for teen drivers Y oung adults gain independence through a series of milestones throughout their youth. But few such milestones are more anxiously anticipated than the day when teenagers earn their drivers’ licenses.

For teenagers, drivers’ licenses mean the difference between being at the mercy of adults for transportation and being able to set off on their own. Even though a license to drive indicates a teen has passed the written and road tests necessary to drive without adults present, newly minted licensed drivers may still not be ready to drive without supervision. In fact, statistics indicate that teenagers may benefit from a little extra instruction and guidance before they’re given the keys to the family car.

The U.S. Centers for Disease Control and Prevention say that motor vehicle crashes are the leading cause of death among American teens. According to State Farm, young Canadians represent only 13 percent of the licensed driving population, but account for approximately 20 percent of the motor vehicle-related deaths and injuries across the country. The highest per-driver and per-distance fatality rates are found among drivers between the ages of 16 and 19. According to Geico, one in five 16-year-old drivers has an accident in their first year of driving.

Teenagers who want to drive and stay safe on the road can employ these safety tips.

a ride. Stick to daylight driving. Geico says the risk of a fatal crash is three times greater at night for every mile driven. Reduced visibility and reaction time can contribute to crashes. Gain ample experience driving during daytime hours and make sure you are completely comfortable behind the wheel before setting out at night.

Practice in all conditions. Safe driving involves making smart decisions Keep an open attitude. Consider even when driving conditions are increasing road time under the poor. With an adult in the passenger instruction of an adult and learn from seat, practice driving in inclement their guidance. Ask for help if there weather, only venturing out in such is a driving skill you haven’t masconditions on your own when you tered, such as merging onto a busy feel ready to do so. highway or parallel parking. Turn your phone off. Smartphones

Limit other teen passengers. The CDC says the presence of teen passengers increases unsupervised teen drivers’ crash risk. Until you are secure behind the wheel, avoid the temptation to give a bunch of friends

put all motorists at risk of accident. In the time it takes drivers to look at incoming texts, they may have driven several hundred feet without their eyes on the road. Make it a policy to turn smartphones off while driving.

Slow down. Speed is a common factor in automotive crashes involving teens. Follow posted speed limits at all times. Drive unimpaired. Do not take drugs

or consume alcohol or other substances that impair your ability to drive. Teens can stay safe behind the wheel by playing it smart.

The Northern Virginia Daily

Spring on the Road 2018

Ways technology is making motorcycles safer

nce the winter snow melts, motorcycle enthusiasts prepare to take out their rides for another season of wind-in-your-hair adventures. Whether touring iconic roads or making quick jaunts around the neighborhood, bikers of all ages enjoy climbing onto their rides and hitting the open road. When the weather warms, motorists are bound to see an influx of motorcycles on the road. So it’s only natural that, come spring, many motorists’ thoughts turn to motorcycle safety. Statistics indicate that motorcycles are more dangerous than cars. According to Wired, people on motorcycles are nearly 30 times more likely to die in a crash than people in cars, due in part to motorcycles’ lack of airbags, crumple zones and seat belts. Upon the return of warm weather, motorcycle enthusiasts should revisit safety protocols and even explore the technological innovations that are helping to make motorcycling safer.. Bikes that talk Vehicle-to-vehicle communications technology can help reduce motorcycle accidents and injuries. Using short-range Wi-Fi-based communication, motorcycles can track vehicles in the vicinity; assess speed, braking, and other elements; and alert riders with enough time to avoid a crash. The hardware produced by Autotalks and Bosch is scheduled to be tested on Ducati motorprevent one-third of all motorcycle accidents in cycles. Bosch’s initial research suggests it could Germany, where the company is headquartered and will conduct the study. Modern head protection Motorcycle helmets protect one of the most important parts of the body that can be injured in motorcycle accidents. Seemingly a simple piece of equipment, helmets are continually evolving to prevent injuries. Some new technologies include using airbag systems with helmet designs to provide neck and spinal protection immediately on impact. Sensors built into the helmets can record speeds and inflate if a crash seems imminent. Wear leather Apart from looking the biker part, there are other advantages to wearing leather when riding. Leather is resistant to abrasion, which protects riders against cuts. Leather also is good at insulating, so riders can stay comfortable when the wind is chilly. In addition to leather jackets and pants, leather gloves and boots are suggested.

Self-driving vehicles People may wonder just what self-driving cars will have to do with motorcycle safety, but putting driving into the virtual hands of a computer can eliminate driver error. That means cars will be able to sense an oncoming bike and assess its speed. The National Highway Traffic Safety Administration has said biker deaths have waned thanks to safety features like blind-spot monitoring. Self-driving cars can bring accident numbers down even more because they will eliminate distracted drivers, impaired drivers and factors that comprise driver error. Autonomous features Although self-driving motorcycles are unlikely to be available anytime soon, certain features that can map the road ahead and warn of terrain or curves may be in the works. BMW envisions systems that can do just this, warning bikers to slow down or making navigation changes. Safety is a consideration anytime bikers decide to go for a ride. Technology can help bikers reduce their risk of accident or injury.

The Northern Virginia Daily

Spring on the Road 2018

Pickup trucks remain popular among car buyers

ickup trucks have long been among the most popular vehicles sold, and Statistica states the number of new pickup trucks sold in the United States continues to grow. Between 2015 and 2016, 2.7 million pickups were sold, and some 2.24 million of those were fullsized pickups. According to the data and statistics site GoodCarBadCar, Canadian sales of pickup trucks jumped by 8 percent in 2016, equating to roughly 27,000 additional units sold. A recent study from the Automotive News Data Center found the big three pickup manufacturers, which include Ford, GM and Dodge, sell an average of 6,500 trucks every day in North America. The automotive news resource The Drive points out the Ford F-150 has been the best-selling truck for 40 consecutive years. While the popularity of pickup trucks may be evident to todayâ&#x20AC;&#x2122;s motorists,

just who is behind the wheels of those trucks may come as a surprise. According to a recent study from MaritzCX, covering the 2016 model year, more people from affluent families are opting for pickup trucks than economy cars. The Ford F-150 was the most popular vehicle among households earning more than $200,000 a year. Jeep Grand Cherokee, Honda Pilot and Jeep Wrangler were also tops among high-income Americans. Other factors also may be contributing to the popularity of pickup trucks. A survey from Insure.com asked 2,000 licensed drivers ages 18 and up to rank the kinds of vehicles driven by the most attractive members of the opposite sex. The survey found that women prefer drivers of black pickup trucks.

masses can consider a host of factors as they begin looking for trucks. Size: Pickups are larger than many other vehicles and tend to be heavier. As a result, when driving a pickup, leave more space for braking and do not tailgate. Blind spots: Because pickup trucks are longer than cars, they may have larger blind spots. Drivers should adjust the mirrors to diminish as much of their blind spots as possible. Also, give ample notice when changing lanes or making turns. Reverse: Upon purchasing a pickup, first-time truck owners may benefit from practicing driving in reverse so they can grow accustomed to doing so in a truck.

Hauling gear: Be sure to properly restrain items that are hauled in the pickup truck bed, or invest in a bed Motorists who have never before driven pickup trucks but are mulling cover so nothing is lost and safety is whether or not to join the truck-loving not compromised.

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Inclement weather driving: Pickup trucks have very little weight in the back when their beds are empty. This can cause trucks to fishtail on wet or snowy roads. Alleviate this by placing some sandbags in truck beds before driving in poor weather. Pickup trucks are among the most popular vehicles on the road, but drivers may need to alter their driving habits when operating them.

The Northern Virginia Daily

Spring on the Road 2018

Stay safe on wet roadways all year long

eather plays a role in driver safety regardless of what time of year it may be. From wind and rain to snow and ice, travelers routinely navigate roads when conditions are far from ideal.

headlights and taillights to ensure they are in working order. Replace any bulbs that have burned out, and clean cloudy lens covers.

Drivers need to see roadways clearly, so they should make sure their Wet roadways are a common occur- windshields are free of streaks, rence. The automotive resource AAA debris and water. Periodically replacing windshield wiper blades can advises that wet pavement conensure they’re working optimally tributes to nearly 1.2 million traffic when drivers need them most. accidents each year. Many crashes occur when drivers do not recognize the need to change their driving Slow down and give other habits in wet conditions. Mastering motorists space driving techniques on slick, waterSlowing down and stopping can take logged roads can help motorists extra time when roads are wet. AAA avoid accidents and injuries. notes that, with as little as 1⁄12-inch of water on the road, tires have to See and be seen displace a gallon of water a second to keep the rubber in contact with Before they even get behind the wheel, drivers should inspect all the street. Driving slowly can make it

much easier for vehicles to stop. Plus, driving slowly enables drivers to see obstacles or pedestrians more easily, especially in heavy rains. Exercise caution with puddles and running water It may be difficult to gauge the depth and ferocity of water flowing in a roadway. Quickly moving water can cause a vehicle to hydroplane or even move a large vehicle. A deep puddle also can affect drivers’ ability to steer or cause vehicles to stall. Take another route rather than risk driving through large puddles or areas where water is flowing on roadways. Skidding Do not slam on the brakes if a car

begins to skid or hydroplane, advise experts. Instead, ease up slowly from the accelerator and then steer the vehicle into the skid or straight. Then accelerate smoothly once more. Sudden, jerky movements when a car begins to skid can exacerbate the situation. Maintain tires Tire treads should be checked at the start of a new season to ensure the rubber will be able to grip the road. Rotate tires according to the manufacturer’s requirements, or every 5,000 miles. Properly inflated tires will improve traction as well. Wet weather can make driving challenging. Driving slowly and modifying other habits when roads are wet can make for safe road trips.

The Northern Virginia Daily

Spring on the Road 2018

Pros and cons of connected cars W rates based on safe driving behaviors. Manufacturers can track data such as how optimally a person has driven to develop more efficient vehicles.

hile smart cars that can communicate and dial into command centers, provide directions or even blast off back to 1985 were mere concepts 30 to 40 years ago, today automakers have made tech-savvy cars a reality. Cars have become computers on wheels, and there’s seemingly no end to the features that many vehicles are sporting. However, are these connections truly a boon to drivers or a safety bust?

Another benefit of smart cars is infotainment, which truly takes internet use mobile in every sense of the word. Apps learn drivers’ preferences and can fine tune music, news and other entertainment options to make trips even more enjoyable.

Pros

Cons

Proponents of connected cars say safety features embedded in the vehicles, such as GM’s On-Star platform and similar services for other brands, make a strong case for connected cars. These systems can immediately alert for emergency assistance if there is an accident or if a passenger is unresponsive. The future of other safety features includes vehicles that can sense obstacles in the environment and make modifications to GPS routes based on accidents or road blocks, passing that information on to other cars to create safer conditions.

One of the biggests arguments against connected cars is the increased level of distraction. The National Highway Traffic Safety Administration says that, in 2015 alone, 3,477 people were killed and 391,000 were injured in motor vehicle crashes involving distracted drivers. During daylight hours, approximately 660,000 drivers are using cell phones while driving. A smart car is essentially a smartphone on wheels, which may prompt greater levels of distraction.

Service centers can use connected cars to digitally diagnose problems and possibly reduce more invasive mechanical measures. Insurance companies can use data pulled from driving habits to determine

spied on or for criminals to gain other personal information through driving habits. It seems as though connected cars

are here to stay, and drivers must weigh the pros and cons of having this technology at their fingertips when behind the wheel.

Another area of concern is security. As cars become more connected to the internet, they can become greater targets for hackers. Researchers have already shown how hackers can take control of the vehicle, forcing them to brake or steer elsewhere. There’s also the opportunity for people to be digitally

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Spring on the Road 2018

The Northern Virginia Daily

How to avoid and repair flat tires

Tire pressure: Tires should be maintained at the correct air pressure indicated on the sidewall or as advised by the manufacturer. Tires with too much air can be damaged by bumpy roads and potholes. Tires The National Highway Traffic Safety that are not inflated enough may Administration says that flat tires and increase friction on the roadway, resulting in a blowout. Check tire blowouts are a leading cause of pressure routinely, and do so when highway traffic accidents. Even the tires have rested for three hours. though flats cannot be prevented, Many vehicles now monitor tire presthere are ways to make tires less sure automatically and alert drivers vulnerable and make vehicles safer through a signal on the dashboard. along the way.

othing can delay road trips more suddenly than flat tires. Unfortunately, because tires are the only part of the vehicle constantly in contact with the road, wear and tear is to be expected.

Tire treads: The Allstate Insurance company says to look for worn tire treads. Check for wear bar indicator marks located between the tread pattern of the tires. If the wear bar is level with the treads, it’s time for new tires. Otherwise, place a quarter between the grooves of the tire. If the tread doesn’t extend beyond the top of Washington’s head, it’s a good idea to replace the tires.

material (to keep the vehicle from rolling, such as a brick or piece of wood), and the vehicle’s owner’s manual. Goodyear says it is essential to fix the flat in a safe area away from traffic and on a flat surface. • Use the owner’s manual to find the correct position to place the jack to lift the car.

• Remove hubcaps or center covers Construction sites: Drivers should try to access the lug nuts. With the lug wrench, loosen lug nuts in a counterto avoid areas under construction. clockwise direction. Rocks, nails, metal shards, glass, Tire wear: The advisors at Select and divots in the roads can cause • Take off the tire and put on the Auto Imports say that inspecting tires punctures and eventually flats. spare. Replace and tighten the lug Flat tire avoidance for uneven wear should be a routine Flat tire repair nuts. Replace hubcaps or covers. Routine inspection and tire maintepart of maintenance. If tires show • Slowly lower the vehicle and drive nance is essential to their performuneven wear, they may be more sus- When flats occur, having the right cautiously to ensure the spare is in tools and understanding the proceance. In addition, paying attention to ceptible to flats or blowouts. Tire working order. dure for fixing the flat is key. road hazards and avoiding them rotations can help alleviate uneven • Purchase a new tire or have a hole when possible can prolong the life of wear. The NHTSA recommends tires Drivers will need an inflated spare tires. be rotated every 5,000 miles. plugged or repaired at a tire center. tire, a jack, a lug wrench, bracing

The Northern Virginia Daily

Spring on the Road 2018

What car colors say about drivers

ars and trucks may be modes of transportation, but many people see their vehicles as extensions of their personalities. The color of a vehicle can say a lot about its driver. In fact, automotive experts say color affects drivers’ decisions when they’re buying new vehicles. In 2015, a survey from PPG Automotive Coatings found the color palette of black, silver, gray, and white makes up 75 percent of new cars on the road. White has been the most popular car color for years, perhaps because neutral tones tend to look new for years, improving resale value as a result.

The Pantone Color Institute periodically highlights popular trends in colors for home decorating, graphic design, fashion, and much more. Their experts know a thing about what color can say about a person. Here’s a look at how drivers may perceive themselves (and how others view them) based on their color choices in vehicles, courtesy of Pantone, NerdWallet, who like to go with the flow. Thrillist, and Today.com. Blue: Light blue to mid-blue cars White: This color — perhaps thanks convey a sense of calm and coolto the popularity of Apple products ness. Blue is a dependable color — can often project a persona of a and may indicate the person behind diligent, hardworking person. White the wheel is friendly. Dark blue can is a dependable color that also is be a confidence-booster and also sleek and modern. Many people who signal authority, as many police prefer white also like the purity of the cruisers and law enforcement unicolor and its perceived cleanliness. forms feature deep blue. Black: Black vehicles have stood Red: People who own red cars probthe test of time as status symbols. ably like flash and attention. They’re Those who purchase black cars may likely magnetic personalities who view them as classic and powerful. enjoy standing out in a crowd. Black also conveys elegance. That’s Brown/beige: These earth-toned why limousines and hired cars are shades may indicate a person who is often black. not pretentious, but easygoing and Silver: Silver cars may have futuris- fiscally responsible. Reliability and tic connotations because of their comfort is prized above flashiness metallic hues. Silver vehicles also for those who go brown and beige. can be elegant and prestigious. A Green: Green cars indicate owners certain element of modernity is asso- who have a very strong sense of self ciated with silver cars and trucks. and care little about what others Gray: People who choose gray vehi- think of them. They may be the peocles may be less concerned about ple who march to the beat of their status and more interested in a vehi- own drums. But the popularity of green cars peaked in the 1990s, so cle that blends in with the crowd. This no-nonsense hue could be ideal fewer green cars may be on the road today than in the past. for cautious, even-keeled drivers

Did you know? Drivers may benefit by changing their tires when seasons change. Winter tires perform better when temperatures remain below 45 F and not just when it is snowing, which is why using the term “snow tires” is a bit of a misnomer. Regular tires, sometimes referred to as “summer” tires, tend to work better when the mercury climbs, as the rubber can become inflexible in colder temperatures. Despite the name, all-season tires do not necessarily make them superior in all seasons. They tend to offer better grip in snow than summer tires, but according to Popular Mechanics, they do not perform as well when roads are damp, such as during spring. Still, many people who prefer one tire type for the entire year often find all-season tires adequate. However, for those who live in regions where snowfall is rare, regular summer tires will fit the bill for most driving conditions until temperatures plummet. Then it’s worth switching to winter tires. If motorists are particularly concerned with improving water displacement on wet roadways, they can select tires that have specific tread patterns designed to evenly redistribute water as the tire hits the pavement.

Spring on the Road 2018

The Northern Virginia Daily

How to become more attractive to auto lenders

t is common for consumers to spend months researching and saving for new vehicles. But many auto buyers do not put the same amount of effort into finding auto loans. That’s unfortunate, as Consumer Reports notes that those who do not have financing arranged before visiting a dealership may not get the best loan terms. Prior to buying a vehicle, drivers should give consideration to how they appear in the eyes of creditors. Few if any people pay for cars or trucks in full at the time of purchase. As a result, it’s key for buyers to make themselves as attractive as possible in lenders’ eyes. Improving credit score Lenders use consumers’ credit scores to determine how likely they will be to honor the terms of a potential loan. Consumers’ FICO® scores are the type of credit score most often used to make lending decisions. FICO scores range between 300 and 850. The higher the score, the lower the risk to lenders. However, lenders do not necessarily use the same formula to assess risk.

The first step potential borrowers should take is figuring out what their credit score is, and what information is on their credit report. For those who haven’t done so already, they can request a free copy of their credit reports from the three major credit monitoring bureaus.

Once credit reports are obtained, consumers can work to correct any mistakes or inconsistencies. Some of these may be simple fixes, while others may take some effort. A 2012 study from the Federal Trade Commission found that one in five consumers had an error on at least one of their credit reports.

Consumers also can improve their credit scores by doing the following:

Make payments on time, as payment history can have the greatest effect on a bad credit score, according to Credit.com.

can raise credit scores and make borrowers appear less risky. Keep old credit accounts open, as they establish a strong credit history. Try not to open too many new accounts in a short period of time. Shopping loans

more in the long run when factoring in interest payments. Still, Edmunds reports that, over the last 10 years, the length of the average car loan has risen above 68 months. Financial experts advise that buyers avoid relying on lengthier loans simply to buy more car than they can afford. Consider large lenders when shopping for auto loans. Such lenders may have better rates than going through dealerships directly. Other lenders include credit unions, local banks and finance companies.

Reduce debt by paying off balances on credit cards or other loans.

Those with strong credit have more wiggle room in terms of loan negotiation. A person with a high FICO score may be eligible for better terms, including a low interest rate.

Obtain a mix of different credit sources, such as those in the form of credit cards, furniture financing, home ownership, and auto loans. This, too,

Consumers should consider the length of the loan Borrowers with strong credit will be attractive and how much they can afford before signing any to lenders and will have more loan options at paperwork. Lengthy loans will cost buyers much their disposal.

The Northern Virginia Daily

Spring on the Road 2018

Factors that impact auto insurance premiums

uto insurance rates vary from person to person, even though it may seem like the offerings are the same. But no two drivers are the same, and certain factors may be affecting drivers’ auto insurance premiums without the motorists even realizing it. Automotive insurance provider State Farm says most insurance companies consider several factors when calculating the cost of car insurance. Recognizing which situations can increase or lower costs can help drivers get the best rates and coverage needed. Although it can be tempting to reduce the price of insurance by choosing lower amounts of coverage, there are other ways to make insurance more affordable. Move. Insurers typically look at where a person lives when calculating rates. Those people who live in highly populated, urban areas likely will have higher premiums than others who live in more rural towns. That’s because greater population density often translates into more people on the road — and a greater chance for insurance claims due to fender benders or theft. By moving, a person may be able to cut rates.

into more accidents. However, as a person moves into his or her senior years, the roles reverse. Older women may see higher rates than men the same age.

Keep make and model in mind. The type of vehicle driven can affect insurance premiums. Certain insurance carriers will increase premiums on vehicles that are more susceptiGender and age are factors. One ble to damage. Flashy sports cars or can’t step into a time machine, but those that do not score as highly on it’s helpful to know that growing a little older can lower insurance premi- vehicle safety ratings calculated by industry experts may result in high ums. The financial advice source Money Crashers say that young men premiums. Vehicles that are desirusually incur higher rates than young able to car thieves also may cost women because statistically men get more to insure. Researching vehicles

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prior to purchase and checking the rates for those cars or trucks with insurance companies can help keep costs low. Commuters may pay more. Individuals who use a car for business or frequent commuting may pay more than people who drive less because statistically there is a greater risk for an accident, says State Farm. Reducing commute times can lower premiums.

of Health found that single drivers were twice as likely to be in an auto accident as married drivers. Combining policies also can help married people save. Follow the rules of the road. Drivers who have moving violations, drink and drive or engage in otherwise risky behavior behind the wheel may see their rates soar.

Insurance companies weigh factors Tie the knot. Insure.com says mar- such as driving record, age, locality, ried couples have been found to be and more when assessing premium less of a risk to insurance providers costs. Drivers have some room to get lower rates by knowing the facstatistically than those who are single. A study by the National Institutes tors that determine their premiums.

Spring on the Road 2018

The Northern Virginia Daily

The best ways to prevent car theft

he National Highway Traffic Safety Administration says that a vehicle is stolen every 44 seconds in the United States. And it’s not just the expensive models that are targets of thieves. Drivers may not realize they are making obvious mistakes that can make their vehicles targets for potential thieves. Guarding against car theft comes down to avoiding common pitfalls, using common sense and making vehicles less attractive to thieves. Lock doors. This may seem like a no-brainer, but giving thieves easy access to vehicles increases the risk of theft. Always lock the vehicle, even if you’re only running into the house or a store for a few minutes. Keep valuables hidden. Don’t leave purchases, cell phones, money (even loose change), expensive sunglasses, or electronics within sight in the vehicle. Exercise caution with spare keys. Do not hide a spare key under the vehicle or in an obvious spot. Car thieves are wise to these tactics. Also, if you’ve lent a spare key to someone, ask for it back promptly.

Don’t leave it running. According to the safety resource Safewise, nearly half of all auto thefts occur as a result of not performing reasonable precautions — such as failure to turn off the vehicle after exiting. More Invest in a car alarm. Car alarms than one-third of all thefts occur near can deter thieves because they draw the car owner’s residence. Resist the attention to the vehicle. Car alarms urge to “warm up” the vehicle by that also prevent the vehicle from leaving it running with the keys in the ignition. being started or driven away (kill switch) can be helpful. Get VIN etching. Etching the VIN on

Use various locks. Manufacturers make steering wheel locks and brake locks that render cars undrivable unless they are removed.

windows makes it more expensive for car thieves to resell a vehicle or its parts without having to make replacements.

Be visible when parking. Choose highly visible parking spots when out and about. These include spaces that are close to building entrances, near security cameras and in well-lit areas. Cars that are more visible are less likely to be targeted by thieves.

Buy a tracking system. In the event a car is stolen, GPS tracking devices can help cops recover the vehicle more rapidly. Car theft can be a serious concern, but exercising caution can prevent vehicles from being targeted.

Did you know? Cars and trucks can benefit greatly from clean air filters. Many drivers are aware of the need to change the oil in their vehicles according to the intervals designated in their owners’ manuals, but few may be aware of the many benefits of changing air filters. One such benefit pertains to fuel efficiency. The automotive website CarsDirect.com notes that studies have shown that changing clogged air filters can improve fuel efficiency by as much as 10 percent and save drivers as much as 15 cents per gallon of fuel. Clean air filters also can benefit the environment. When vehicle air filters are clogged, air flow to the engine is reduced, adversely affecting vehicle emissions. Clean filters increase air flow to the engine, reducing vehicle emissions as a result. Clean air filters also can help drivers get more out of their vehicle investments. Designed to trap dirt and debris, clean air filters prolong engine life by preventing such particles from damaging engine components. Drivers can check their owners’ manuals for air filter replacement guidelines, but manufacturers generally advise drivers change their air filters every 12,000 to 15,000 miles. Such a repair is inexpensive but can go a long way toward ensuring vehicles operate as efficiently as possible.

The Northern Virginia Daily

Spring on the Road 2018

Reduce instances of distracted driving

istracted driving is a problem that results in injuries and claims the lives of thousands of people each year. The National Highway Traffic Safety Administration defines distracted driving as any activity that diverts attention from driving. In 2015, 3,477 people were killed and 391,000 injured in the United States as a result of distracted driving. Allstate says distracted driving is now the No. 1 risk on Canadian roads, contributing to eight in 10 collisions. It is relatively easy to avoid becoming a statistic by reducing distractions behind the wheel. Put away tech devices

or reading a text message takes a driver’s eyes off of the road for about five seconds, or long enough to cover a football field while driving at 55 mph. It removes a person’s attention from the road; takes his or her hands off of the wheel; and it mentally engages the brain when a driver’s focus should be on driving.

map. Enter the destination address before departing and place the GPS in a position that it can be glanced at, which will not impede vision. Better yet, let a passenger navigate. Limit or skip phone calls

Many people find that making phone calls while on the road is an efficient Devices should be stowed away use of time. Yet the personal injury when driving. Drivers should pull experts at Lehmbecker Law say over if they need to send a text or even when drivers use hands-free read a message. devices their brains can remain distracted for 27 seconds after using Set the GPS ahead of a trip voice commands to dial a number. Global positioning systems have rev- Engaging in phone conversations will olutionized the way motorists get to continue to take drivers’ minds off of and from locations. They can help their driving responsibilities. signal upcoming traffic and find the best routes possible. Just like other devices, GPS can be Drowsy driving is dangerous

One of the easiest ways to reduce distractions is to keep phones and tablets out of reach while driving. a distraction, especially if drivers are The U.S. Centers for Disease taking their eyes off the road and Control and Prevention says sending constantly pressing buttons on the

Being tired can be a distraction as well. Geico insurance reports a U.S. government study showed that 37

percent of drivers have nodded off or actually fallen asleep at least once while driving. Drowsiness increases the risk of a crash by roughly four times. Those who become drowsy behind the wheel should pull over. Skip the infotainment package New vehicle infotainment systems can take one’s attention off of the road for long periods of time. According to research from the AAA Foundation for Traffic Safety, drivers using in-vehicle technologies like voice-based and touch-screen features may find themselves unusually distracted. In addition to these tips, drivers can reduce the number of passengers contributing to distractions, turn down the volume on the radio, and pull over when eating on the road. Reducing distractions can save lives.

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