3 Tips About Your Credit Score

Summer is coming to a close, kids are back in school and families are starting to focus on getting things done other than blowing up pool floats. Fall is a busy time for all of us, but it’s also the perfect time to slowly start getting your vehicle ready for the winter, (yuck, the ‘w’ word), months ahead. Getting a head start in the fall means that you don’t have to scramble in once winter does hit and it may be too late. The following are our Fall Car Care Tips to help get your vehicle ready for both fall AND winter. No need to have all these done at once. Spread the cost out over the fall so that by winter you’re safe and ready to drive! Here are our September Service Specials for Toyota, Chrysler/Nissan, and Chevy Buick GMC. Check your Tire Tread – you can visually check this yourself. The easiest way is to grab a penny and insert the penny into a tire groove on each one of the tires. Make sure that Abe Lincoln’s head is upside down and facing you. If you can see ALL of Abe’s head, it’s time to replace your tires. This isn’t a fool proof test though, depending on your tires, so if you have doubts, definitely bring your tires in to be checked by a service professional. Check ALL your Lights – it will start getting darker sooner and you don’t want to be caught out driving at dusk with lights that don’t work. Grab a family member or friend and have them help you check to see that your brake lights, turn signals and high beams all work. Check fluid levels – most vehicles will now alert you when you need to replace fluids or if there is a fluid leak, but if you have an older model vehicle, you will need to check for these manually yourself or have a service professional do an inspection. Washer fluid – this is an easy issue to rectify yourself and washer fluid is inexpensive. But oftentimes people forget to refill this and then find themselves in a scary situation when “winter” weather creeps into fall months without warning. Heating and Cooling – checking the HVAC system is something that is a little bit more difficult to do at home. Obviously, you can tell if your AC/Heat has completely stopped working, but if the system is on it’s way out, you may not notice right away until the temps drop drastically. But at a service center this is a quick test and they can tell you exactly how adequately yours is working. Tire Pressure – air pressure in a tire decreases 1-2 pounds for every 10 degrees of temperature change. This is something that you will want to check a few times each season. And the nice thing is that putting air in your tires is free! Not just to help ensure your safety this fall and winter, keeping your car properly tuned can improve your gas mileage by an average of 4%* - everybody likes saving on gas money! *source: The Car Care Council

A car emergency kit is always something we recommend people have in their vehicle at all times. Unfortunately, many people don’t realize their need for one until it’s too late.  There are a number of kits that you can purchase, like this one from AAA, or this one if you’re prepping for a zombie apocalypse, but they are simple to put together yourself at home.  You’ll be glad you made one should you ever find yourself in the position to need it. Even if you have AAA, they may not come immediately, inclement weather may keep them from getting to you at all, and passengers inside the car could be injured. We put together our list of the 10 most important items to keep in your car emergency kit at all times. 1. A First-Aid Kit. Yes, a kit within your kit. These can be purchased very inexpensively at any drug store, Target, Wal-Mart, etc. and should include the typical items like Band-Aids, gauze, antibacterial cream, and anything else specific to your family’s needs. 2. Water. Depending on who your typical passengers are, you may want to keep more or less water handy, but a gallon jug is a good amount. We find this to be handy not even during a vehicle emergency, but also after a hike when you realize your dog doesn’t have quite enough water! 3. An extra cell-phone charger. Buy a spare charger that you NEVER take out of this kit. Most people have one handy inside the vehicle, but if your family is anything like ours, they mysteriously go missing from time to time. Keep one in the emergency kit that your battery-hogging teenagers don’t know about. 4. Non-perishable snacks. We recommend protein or granola bars and trail mix. We’ve also heard of people keeping those energy gel packets used by avid hikers and marathoners. 5. Rain poncho with a hood. This one sounds kind of silly, until you have to try and change your tire in the rain and you can’t see through the rain dripping down your face. It’s also helpful if you run out of gas and have to walk in the rain to the nearest gas station. 6. Multi-purpose utility tool. You can do a ton of cool things with a Swiss Army Knife, and the best part is, they are compact and lightweight. Handy for any number of emergencies, including, but not limited to, packing a romantic afternoon picnic and realizing you left your corkscrew or bottle opener at home. 7. Duct tape: One of the world’s most underrated inventions. A favorite of Michael Scott when he had to survive alone in the woods. 8. Flashlight and extra batteries. Bonus points if your flashlight is waterproof. 9. Jumper Cables. The longer the better, in case they have to be used after someone’s vehicle has gone off the road. 10. Foam tire sealant. Definitely not a permanent solution for a flat tire, but if you’re dealing with a small puncture, this foam sealant is a good quick fix to help you get from the side of the road to a nearby service center. Also, here is a list of our Roadside Assistance Numbers you may want to keep in your vehicle.

Warranties are for new cars.  Service contracts are when the factory warranty expires, and a customer purchases an additional warranty for their vehicle. Here are some warranty details we found on CarsDirect. Extended Factory Warranty Tips All new cars and trucks come with a factory warranty.  Moreover, all new vehicles will generally come with a bumper-to-bumper warranty that lasts a minimum of 12 months or 12,000 miles. However, most manufacturers now offer bumper-to-bumper warranties that last for a minimum of three years or 36,000 miles—whichever comes first. Federal laws do make certain requirements that must be met for new car warranties regarding emissions systems and the warranties that cover them. According to federal law, vehicles must provide warranty coverage for the emission system for a period of five years or 50,000 miles. Warranty information for your vehicle will generally be listed in a manual type book similar in appearance to your owner's manual. While all warranty manuals may appear similar in appearance, the warranty information contained inside may vary considerably depending upon the manufacturer. Basic New Car Warranty Information With all new car warranties, most major systems and subsystems of a vehicle are covered for a specific period of time and provide warranty protection against malfunction or defect for most parts on a new car. However, consumable parts, or parts that generally need to be replaced periodically, such as windshield wipers, fluids, belts, and accessories are generally not covered under any manufacturer's new car warranty. So, you should check your owner's manual for specific warranty information for your vehicle. In some cases, tires on your vehicle and car battery may be covered but, you should be aware that some manufacturers may not. Also, different car manufacturers provide various levels of warranty coverage for accessories, like air-conditioning, sunroofs, premium sound systems and other options. Some manufacturers include them for coverage under the terms of the new warranty while some require you pay for replacement parts while the manufacturer pays for labor. Almost all new car warranties cover the drive train, or engine, driveline and transmission. New Car Warranty and Emissions When reviewing your new car warranty, you should pay particular attention to the emissions control section. This is the part that guarantees emissions performance for your vehicle. An important note, because many states have minimum requirements for pollution control and carbon emissions released from your vehicle. If your vehicle fails to meet the standards of your state, you may be prevented from driving on state roads and highways. Also, repairing a damaged or defective emission control system can turn out to be very costly. So, you should always check to see if there is coverage. If you feel the warranty protection is inadequate, you might want to consider purchasing an extended warranty or mechanical breakdown policy to supplement your new car warranty. Maintaining Your New Car Warranty While all new cars and trucks come with a manufacturer's warranty, you are required to perform certain steps in order to make sure your coverage remains in effect. For example, you will need to make sure you follow the manufacturer's directions for having oil changes and routine maintenance performed. If you fail to follow the manufacturer's guidelines for changing your oil or performing routine maintenance, the car manufacturer will many times simply choose to void your warranty. Under the terms of your current warranty contract agreement, the manufacturer has the right to cancel your warranty if you do not reasonably take good care of your vehicle.