Insurance Tip: Cover Your Vehicle.

Posted by Joshua on Monday Aug 19, 2013 Under Insurance Tips

Protecting your vehicle is one of the simplest ways to keep your insurance rates low. Ensuring that the car or truck is protected from the elements and other external factors can prolong the value and help to preserve insurance. Like our earlier tip to use your garage if you have one, simply keeping the vehicle protected from the elements. Even without a garage, drivers have options to cover up and protect their vehicles. A tarp, overhang or simple covered parking can protect your vehicle from inclement weather and animals, each of which can scratch, chip or abrade paint and auto glass.

Minor damage adds up. When it comes time to call on insurance, the way the damage occurred can be a very real factor. If a driver has taken at least minimal precautions to keep a vehicle from suffering damages, the insurance company may be more favorably inclined to make a payment. If a driver repeatedly suffers exterior vehicle damage and has not taken any pains to prevent a from occurring again, that the driver may have some big problems with the insurance company. This can mean an increased insurance rate or premium, or a refusal to pay to repair the damage to the exterior of a vehicle.

Auto body damage and auto glass damage are common when a vehicle is left unprotected and exposed to the elements. Insurance companies know this, and generally expect drivers to take precautions to protect their vehicles from this type of exposure based damage. Scratches from animal claws, damage from hailstorms or high winds and even excessive sun exposure can cause damage and discoloration to a vehicle.

While an insurance company usually won’t look too closely at the first claim for this type of damage, repeat claims will usually be met with some kind of resistance. Increased rates and increased deductibles are common and outright refusals to pay for repairs after environmental damage occurs. The insurance company might look at things a little more favorably if a driver can prove they are taking all the precautions possible, such as a basic vehicle cover or taking advantage of covered parking.

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Glass Tip: Non Abrasive Cleaners

Posted by Joshua on Monday Aug 19, 2013 Under Auto Glass

Keeping glass clean and free of debris is one of the most basic premises of auto glass maintenance. A clean windshield is easier to see through while driving. It is also far safer than a windshield with an accumulation of debris. Debris can scratch a windshield which can leave to lasting damaged and fast deterioration. Trying to clean a windshield with abrasive debris using wipers is a bad idea, as it just makes the regular fluid abrasive. When washing a windshield by hand, use a gentle touch and a non abrasive cleaner to ensure lasting windshield functionality.

Standard windshields and tinted windshields alike can benefit from regular cleaning. Obviously, a driver doesn’t want to operate a vehicle with a dirty windshield as it can obstruct views and cause distractions. This puts the driver at greater risk for accident and injury. It can also risk damaging the windshield if left to pile up to dangerous levels. Cleaning a windshield should only be done with gentle, non abrasive cleaners and cleaning supplies. This will protect the life of the windshield during and immediate wash and during the overall life of the windshield.

When a driver uses windshield wipers with a gritty windshield, they risk damaging the windshield and causing scratches or other abrasions. Dirt, dust and debris particles can all be scraped across the windshield by a windshield wiper can easily damage the glass, even when windshield wiper fluid is used. The same is true of washing the car overall. Using a soft cloth, warm water and a very delicate cleaner with no abrasive particles is almost always the best way to clean a windshield. This method will protect extra features like window tinting, window mounts for antennas and defrost/defog strips or real or front windows.

There’s nothing wrong with trusting your windshield wipers for a little bit of dust or the occasional bug, but using them when the windshield is seriously dirty can be a bad idea. When a windshield has been covered with dirt, natural debris or other gritty materials, taking a careful and delicate approach is usually best. Using a non abrasive cleaner to remove the dirt carefully is the safest, and usually the cheapest, way for a driver to ensure the window is safely and carefully cleaned. A simple dish soap or auto soap with no harsh or abrasive chemicals or additives is usually fine for this use.

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