Winter storms, including snow, ice, freezing and flooding, have cost billions of dollars in insured losses over the past few years alone, according to the Insurance Information Institute. Wind and hail consistently lead homeowners claims, followed by water damage and freezing.

Make sure you’re ready for winter insurance risks and the challenges cold weather may bring your way.

Top Winter Insurance Claims

• Ice dams. When cold weather persists, ice dams can form on the edge of your roof, blocking melting snow from falling away and refreezing as temperatures drop. This cycle of melting and refreezing can cause ice to form under shingles and could eventually lead to leaks and water damage inside your home.
• Roof and siding damage. Heavy snowfall, sleet, hail and perilous winds can make winter weather unpredictable. Because roofing and siding bear the brunt of this impact, they comprise a significant portion of homeowner losses over the winter months.
• Losses from falling tress and limbs. This is one of the most common claims AAA Insurance sees. While structural damages to your home or car caused by falling trees and limbs from heavy snow and wind are obvious losses, power loss could also be an issue. To possibly get reimbursed for the cost of lost groceries due to a power outage, check with your insurance agent to see if food spoilage coverage is on your policy.
• Frozen pipes. The most common winter insurance claims stem from how the elements affect your home’s exterior, but don’t forget about your plumbing. When pipes freeze, they can burst and cause substantial water damage. The most severe instances happen when homes experience a power outage, resulting in a loss of heat over a significant period of time. So, if you plan on being away from home for an extended period of time, it’s a good idea to shut off the water to your home and drain your pipes.
• House Fire. This kind of property damage is typically traced back to a secondary heating source. “Although many homeowners think of themselves as being responsible with this, individuals that live in multi-family homes, apartments or condos need to also consider if they’re adequately covered if they suffered a loss due to a neighbor’s negligence,” said Jodi DeSantis, vice president of insurance sales for AAA Northeast.

What You Can Do to Prepare for Winter

• Fight back against ice damming. Add extra insulation to your roof to let the indoor heat melt the snow and ice slowly from the inside out. If your roof is prone to ice damming, use a roof rake shortly after a storm to clear as much snow off as you can, even if it’s just around the gutter line. Do not climb onto the roof; if you need a more thorough cleaning, hire a contractor.
• Insulate your pipes, doors and windows. By adding insulation to your hot water pipes, you can minimize the chances those pipes will freeze over and blow. Air leaks near doors or windows should also be eliminated with weather stripping or other door draft stoppers.
• Keep an eye on your trees. Fallen tree branches are one of the most likely – and most damaging – forms of debris you’ll face during cold weather. To prevent damage, trim back any trees that are too close to your home or driveway.
• Inspect your ducts and plumbing. Your furnace and heating ducts need to be in working order to prevent or minimize winter damage. Reach out to a professional if needed for a thorough inspection.

Review Your Insurance Policy

Try to make a habit of reviewing your insurance policy and updating your documentation, including photos, to reflect your home’s condition before the winter. This gives you an opportunity to refresh your understanding of what is included and, accordingly, what actions you might need to take to protect your home.

Most home insurance policies will provide coverage for wind or falling debris that may cause damage to your home.

Damage caused by flooding — which can occur in the winter if the temperature spikes — is not within the scope of a standard policy. Flood insurance must be purchased separately. In insurance terms, a “flood” has a very specific definition and is excluded from a homeowner policy; however, water from a leaking pipe, for example, is typically protected if purchased as part of a policyholder’s coverage.

Get A Home Insurance Quote

This article has been updated and republished from a previous version.

AAA Northeast offers many of the same services as state motor vehicle departments at select branches, so you can skip the long lines and get things done on your own time.

What DMV Services Can Be Done at AAA?

Depending on your state, DMV services available at select AAA Northeast branches may include:

• License renewal.
• Vehicle registration.
• REAL ID and Enhanced ID issuance.
• License plate surrenders.
• State ID application and renewal.

Not all services are offered in all states. For a deeper dive into what DMV services AAA offers, read this post.

State DMV services are available at all AAA Northeast branches in Massachusetts, Rhode Island and New York, and at three branches in Connecticut: Norwalk, Fairfield and Danbury.

Click here for a full list of services available at your nearest branch.

In Massachusetts, Rhode Island and New York, DMV/RMV services are available only to AAA members and are free of charge. In Connecticut, AAA Northeast offers DMV services to members for free; AAA members from outside the AAA Northeast territory pay $6 for DMV services; and non-members pay $8.

Reservations are required for DMV services. Come to the AAA branch with all needed documents and payments for your transactions.

Have you ever used AAA DMV services? Tell us about it in the comments.

There’s a lot more you can do at your local AAA branch. Don’t miss out on these six AAA branch services.

If you didn’t know, now you do! Discover more AAA services you might not be aware of.

There are certain experiences everyone can relate to, and the hassle of removing your car’s registration sticker is one of them. These seemingly feeble stickers are designed to stay firmly attached to your car for a year or more, so getting them off your windshield or license plate is not always the easiest task. And once you’ve removed the old sticker, you’ll need to place a new one in the correct location.

Just like every other task, there are easier and more efficient ways of accomplishing this chore. Here are a few tips on how to remove a registration sticker and how to affix a new vehicle registration to make the process a little smoother.

Why the Need for Vehicle Registrations?

As troublesome as they may be, registration stickers are part of an important system of cataloging every car on the road. This lets authorities know the vehicle’s rightful owner.

By law, every automobile must be registered with a state’s department of motor vehicles. Otherwise, the car is not allowed on public roads. Failure to register your car could lead to fines or having your vehicle impounded.

You’ll need a new vehicle registration any time you buy or lease a new car, move to a new state or when your current registration expires. Each state dictates the length of vehicle registrations, but they generally need to be renewed every year or two.

Unsure about the vehicle registration laws in your state? Click here to learn more.

How to Remove a Registration Sticker

Registration stickers are designed to stay in place for a lengthy period of time, so removing them can require some elbow grease. At the same time, you want to be careful not to scratch or damage your windshield or license plate.

• First warm the sticker with a heat gun on low, a hair dryer or by parking in the sun. Heat will soften and loosen the adhesive, making it easier to remove.
• Start by freeing a corner of the sticker. Use a plastic razor blade to scrape a corner loose if you can’t do this with your fingers.
• As you pull the sticker off with one hand, use the razor blade in your other hand to help separate it from the surface.
• As the sticker comes loose, fold it over itself, referred to as 180-degree release, rather than pulling it at a 90-degree angle.
• Once the sticker’s off, there will likely be some leftover glue stuck to the car’s surface. You can clean it off with rubbing alcohol or an auto glass cleaner.

Did you know that you can renew your registration at select AAA branches? Find out which DMV/RMV services are available in your state. 

How to Apply a New Vehicle Registration Sticker

Placing a replacement registration sticker on your car isn’t quite as burdensome as removing one. There are, however, a few important details to keep in mind.

• Car registrations expire so you’ll eventually need to replace your sticker. While it may be physically possible to place a new sticker on top of a previous one, this is not advised and many states mandate you remove any old registrations.
• In New York, you must attach any windshield stickers to the lower left-hand corner of the inside of the windshield, to the right of the inspection sticker (if you’re looking at it from the driver’s seat). In Rhode Island and Massachusetts, registration stickers must be attached to your license plate.
• The vehicle identification number must be visible from the outside of the vehicle. To make sure the VIN is visible, ask someone to stand outside the car while you apply the sticker. If you’re alone, try rolling down the window and applying the sticker with your right hand as you look through the windshield from the outside.

Learn about DMV services available at a AAA branch near you. 

Do you have any tricks for dealing with registration stickers? Let us know in the comments below.

This article has been updated and republished from a previous version.

When it comes to roadside service companies, you want one with experience, expertise and above all else, a name synonymous with safety.

This is where AAA Roadside Assistance stands above the competition. AAA has delivered reliable roadside assistance throughout the U.S. and Canada for more than 120 years. It’s also often considered the best roadside assistance for families, with memberships getting passed down from one generation to the next.

With AAA, there are no hidden costs or surprises — just fast, guaranteed roadside assistance when you need it. Every benefit is clearly outlined in your membership, and you can choose from multiple tiers to fit your needs.

AAA is recognized as the most reputable brand in America for automotive information and support, according to Morning Consult’s 2025 Most Trusted Brands report. And it beats all major roadside assistance providers in overall customer satisfaction for car roadside assistance as reflected in 2024 AAA U.S. Market Track national surveys.

Here’s why.

Just the Facts

Benefit	AAA Roadside Assistance	Other Roadside Service Providers
A name you can trust	✅ 120-plus years and more than 27 million roadside requests annually.	❌ Other providers offer a quick fix, but only AAA is ranked No. 1 in customer satisfaction.
Protection in any vehicle	✅ AAA membership covers the member, not the vehicle, so you’re protected in any car, even if you’re riding with a friend or using a rental.	❌ Other providers limit coverage to the car that’s registered to you.
No surprises or hidden fees	✅ All services are covered by membership with transparency on limits and additional charges.	❌ Some providers charge al la carte for services or offer low introductory subscription rates that jump when it’s time to renew.
24/7 availability	✅ Members can request service at any time, 365 days a year. On average, AAA helps one member every second.	❌ Some towing companies operate only during regular business hours.
Approved network of tow trucks and trained technicians	✅ AAA uses its own fleet and a trusted network of vetted independent service providers.	❌ Other providers rely on third-party networks and outsourced chaos.
Emergency services	✅ Flat tires, jump-starts, lockouts, fuel delivery and more.	❌ Limited.
Battery service	✅ AAA offers complete on-the-spot battery service, including testing, delivery, replacement and recycling. We replace over 2 million batteries per year!	❌ Limited.
Resolves issues at the scene	✅ Over half of tow requests end with members getting safely back on the road — no tow needed.*	❌ A tow could be all you get for your money.
Choice of towing destination	✅ Tow to your mechanic, dealership or home, or choose from AAA’s network of 6,000-plus Approved Auto Repair Facilities.	❌ Some companies pledge to tow you an unlimited distance but will often take you to the nearest facility, which saves them money.
Bicycle roadside assistance	✅ We’ll pick you and your bike up. Depending on membership level, roadside assistance is also available for specialty vehicles, like motorcycles and RVs.	❌ Limited.
Added perks	✅ Members enjoy travel, insurance and financial services, exclusive discounts, access to AAA branches for DMV/RMV services (in select locations) and more. Members who use AAA Discounts & Rewards save an average of $220 annually.	❌

Take a virtual ride-along on a AAA roadside call!

How to Request AAA Northeast Roadside Assistance

• Call: 800-222-8252

• Request online: AAA.com/GetMoving

• Use the AAA Auto Club App

For the Best Roadside Assistance, AAA Has the Advantage

Learn more about the benefits of being a AAA member.

Sign up to be a AAA member.

*R12 December 2024 Tableau/EDR. AAA Member PFCR and RAP calls) (52.9%). The Go-Rate is the ratio of calls that were dispatched as a Tow Service and were resolved at the scene of disablement — allowing the member to safely drive their vehicle in lieu of the vehicle being towed.

There’s no better way to beat the gloom and doom of gray skies than a few shared smiles and laughs. If you’re looking for a cure to end your rainy day blues, it’s time to hit the road for some on-the-town adventures. Here are a few of our favorite things to do on a rainy day in the Northeast.

Visit a Museum

Learn about new cultures, delve into history or gaze at mesmerizing paintings from the past at a local museum. There are so many great Northeast museums to choose from (including some with AAA discounts), but we love these for a rainy day trip.

Museum of the Moving Image

Astoria, N.Y.

This museum is dedicated to the art, history, technique and technology of the moving image. Featuring a collection that includes 19th century optical toys, old film tech and video games, the exhibits are highly interactive and fun for the whole family.

Boston Tea Party Ships & Museum

Boston

Travel back in time and experience the Boston Tea Party through a multi-sensory adventure. At the museum, you can experience this famous event through holographic displays and reenactments. You can even throw tea over authentically restored tea ships!

Discovery Museum

Acton, Mass.

Create colored shadows in the Light & Color Gallery, perform a shadow puppet show by lanternlight in the Backyard at Night exhibit, explore acres of forest and much more. This museum invites little kids, big kids and adults of all abilities to come and have fun, all while learning about STEAM (science, technology, engineering, art and math) concepts.

The RISD Museum

Providence, R.I.

The RISD Museum has an impressive art collection that expands from ancient times to the present. You can find everything from paintings and sculpture to textiles and costumes, plus an enormous wooden Japanese Buddha from the 12th century, a mummy and artifacts from ancient Greece, Rome and Pompeii.

Silverball Museum Arcade

Asbury Park, N.J.

The Silverball Museum Arcade is a loving tribute to our video-gaming past. At this pinball hall of fame you and your family can experience what life was like before handheld video games and Xbox. It’s a fun way to spend a rainy afternoon.

Take a Workshop or Class

Taking a workshop is another fun and educational option when you are looking for things to do on a rainy day trip. Drop in on a class and try something completely new or learn more about a hobby you already love.

Diablo Glass School

Boston

This school offers one-day workshops on glassblowing, flame working and more. Work with experts to take home your very own beautiful glass paperweight and other souvenirs.

Heirloom Kitchen

Old Bridge, N.J.

At this recreational cooking school, you can master pasta, elevate seafood, cook your steak with old-school flair and more. Experience cooking a variety of dishes using fresh food that goes straight from the farm to the table and brush up on your basic skills. The food is bound to be excellent.

Studio 550 Art Center

Manchester, N.H.

Studio 550 offers a range of art classes, including pottery, painting, bookbinding and stained glass. And while there’s plenty of ways to experiment with your artistic side, there are also kid’s classes, dance and movement classes, and other one-day workshop and date night opportunities. You can even sit down with friends for a nice warm cup of tea before or after class in the studio’s tea room.

Go to the Movies

The movies are the perfect way to get lost in another world. When it’s storming outside, that’s exactly what you need. Head to the local cinema with family for a kid-friendly outing or find an action-packed flick for a rainy day date.

Save on movie tickets with exclusive AAA member discounts.

Hunker Down in the Library

This one may come as a surprise, but if you’re looking for a one-stop shop for things to do on a rainy day, then you might want to visit your local library. Not only can you read books and magazines, check out the latest movies and get free internet, but most libraries host free events throughout the month. So if it’s raining, call the library to find out what’s scheduled. Depending on the day, you may find fun games and readings for your kids, or there may be free adult classes like Zumba, yoga and tai chi.

Many public libraries take part in museum pass programs where patrons can reserve free or low-cost tickets to local museums and attractions. Call or visit your local library to see if participates in such a program.

Some libraries like the New York Public Library and the Boston Public Library are almost like museums. You can visit special exhibits and art collections and take tours of the historical buildings that they are housed in year-round.

Head to an Indoor Sports Complex

Whether you’re a kid or an adult, not being able to go outside is arguably the worst part of any rainy day. So, if you’re looking for a way to stay active on days when the sun just won’t shine, try heading to an indoor recreational center. For a thrilling rainy day activity, choose from rocking climbing, water sliding, indoor surfing and skydiving at Sky Venture in Nashua, New Hampshire.

Go Bowling

Bowling is another crowd-pleasing rainy day trip. Whether you can bowl a perfect game or barely break 100, you’ll definitely be distracted from the wet weather outside. Invite a few friends to come along for games, drinks and fries. Or, have a family outing where the kids can enjoy the mini-arcade and a little friendly competition.

Lucky Strike Chelsea Piers

New York, N.Y.

With glowing bowling lanes and massive lane-side video walls, the atmosphere at this bowling alley couldn’t get much livelier. When you’re done bowling, you can hit the arcade or challenge the family to a game of laser tag.

Our Town Alley

East Norriton, Pa.

This family-friendly bowling alley is just right for your next rainy day trip. Enjoy sporting events and music videos on huge TV screens, play laser tag, grab a bite at Steppy’s sports bar and grill, and of course knock down some pins at over 50 lanes.

Grab Some Grub

It’s true. Something about the rain makes us all feel a little bit lazy. While we don’t suggest lying in bed all day, there are other ways to take it easy, like dining out. Instead of cooking, why not head to lunch with some friends or take the family to a nice dinner? Simply sit back, relax, and enjoy the food with great company.

Find more restaurants with AAA Discounts.

Have a Spa Day

If you’re willing to splurge a little, you can use the rain as an excuse to finally treat yourself to a luxurious spa trip. For something less expensive but just as relaxing, you can also visit the hair salon, go for a manicure or try a DIY a spa day at home.

Mandarin Oriental, New York 

New York, N.Y.

With facials, full-body massages and other luxury spa treatments, this elegant spa has everything you need to de-stress, relax and unwind. Its vast range of spa offerings can be experienced in a soothing atmosphere well above the bustle of NYC. Walk in tired and worn-out, leave balanced and rejuvenated. Not a New York native? Check out the spa at the Mandarin Oriental, Boston.

Bliss Spa

New York City and Boston

Let your worries melt away at Bliss’ tension-fighting facilities, including spa treatment rooms, luxury nail lounge, retail beauty boutique and separate men’s and women’s lounges. You can experience a variety a facials, massages, body treatments and nail care, all while being soothed by the soft sounds of rhythm and blues.

What’s your favorite thing to do on a rainy day? Tell us in the comments below.

This article has been updated and republished from a previous version.

You never know what you might come across while driving. Traffic could be moving at a steady speed when suddenly you find yourself behind a snowplow, tractor or even an animal. While you’ll likely want to pass anything that’s slowing you down, your may not always be sure how — or if — you should.

Rest assured, cars can legally pass most things on the road, provided certain precautions are taken.

Slowing down, avoiding sudden turns and bursts of speed, and not beeping the horn are the basic rules when it comes to passing anything, particularly an animal that might get startled.

Here are tips for navigating safely around less-common road occupants:

Mounted Police Officers

Slow down as you approach and try to keep several feet between you and the horse. The officer may signal you to pass or wait. If you must wait, slow down and do not shout or beep the horn. If the horse becomes agitated, stop your car. When it is safe to pass, ensure you are several feet away from the horse and accelerate slowly at a constant speed.

The same advice applies to passing any horse and rider on the road.

Cattle

If you encounter cattle walking on the side of the road or crossing the road, immediately slow down. Both horses and cattle have little traction on asphalt and could slip and fall when startled.

If the cows are crossing the road, stop and let the whole herd cross. Do not get out of your car to take pictures or try to assist with the crossing; cattle owners have enough to manage without contending with spectators or amateur cowboys. Also keep an eye out for cow dogs, the canines that help herd the cattle and keep them moving. If cattle are walking on the side of the road, give them a wide berth, do not honk and pass slowly.

All animals spotted near the road require extra caution, especially deer at night.

Amish Buggies

Can you pass an Amish buggy?

For the most part, Amish buggies and other horse-drawn carriages are considered vehicles and must follow the rules of the road, including traveling on the right side. Amish buggies will stay as close to the far-right side of the road as possible, unless they cross the road to make a left turn. You can pass but drive slowly and do not pass on hills or curves. Allow at least 20 feet between your vehicle and the horse before returning to the travel lane.

If you are behind an Amish buggy, proceed slowly and do not follow too closely; if you are too close, the buggy driver may not see you. Also, if the buggy stops, it may roll backwards.

Drivers need to be especially vigilant at night, because often buggies and horses are dark-colored and difficult to see. At least four states require lights or reflectors on Amish buggies.

Snowplows

Among the reasons drivers are asked to stay off roads during heavy snowstorms is to give snowplows time and space to work. Weighing in at about 60,000 pounds, plows need room to maneuver and the fewer cars they encounter, the better it is for all involved.

Here are tips for driving near plows or passing them:

• Stay at least 200 feet behind a plow to avoid flying snow, and keep out of the driver’s blind spots.

• If you decide to pass, leave plenty of room between you and the plow. Don’t rush to merge into the lane ahead of the vehicle, because the plow blade extends several feet in front of the truck.

• Never pass a plow on the right because you risk colliding with one of its huge wing blades.

• If a plow is coming toward you, move as far to the right side of the road as possible.

• Accept that plows are going to travel at about 25 mph and passing may not be possible because of road conditions. Also, remember the road ahead of the plow is worse than the road behind it.

Disabled Vehicles

While all states have laws requiring drivers to slow down and move over for emergency vehicles, in the past year, AAA Northeast successfully lobbied to expand the requirement to include
disabled vehicles, and continues to advocate for and support Slow Down, Move Over.

When approaching disabled vehicles, drivers are required to reduce speed and move to another lane. If it is not safe to change lanes, then drivers should proceed slowly.

Tow Trucks

Slow Down, Move Over applies to tow trucks as well. To pass a tow truck, decrease your speed and change lanes to give the truck and driver as much room as possible. This simple courtesy can help save lives.

Tractors

Since they don’t travel more than 25 mph, getting stuck behind a tractor on a rural road can be frustrating. But don’t be in too much of a hurry to pass. Most collisions between cars and farm equipment occur when a tractor is turning left and a driver attempts to pass it. Keep further back from a tractor than you would from a car, because tractors have a larger braking distance and the vehicle may extend into the adjacent lane.

If you decide to pass a tractor, be aware that the tractor operator may not be able to see or hear you. Try to stay visible, leave plenty of room between you and the tractor, then pass slowly. Leave extra room behind you when you merge into the lane ahead of the tractor. Also, be alert for hand signals, because the tractor operator may wave if it is safe to pass.

And when in doubt: slow down and move over.

Have you ever come across a slow-moving vehicle or animal in the road that you didn’t know how to pass? Tell us in the comments.

A classic car is a special purchase. It’s not something you buy out of necessity, but rather because it speaks to your heart. It could be the car you dreamed of owning when you were a kid, or maybe it’s the one your parents owned years ago. You might even buy classic cars as an investment in the hopes that their value will increase over time. No matter why you buy a classic car, it deserves special care to keep it looking good and ready to drive for years to come.

Keep it Covered

Classic cars are beautiful and it’s tempting to leave yours sitting in the driveway for the world to see. There’s nothing wrong with showing off your pride and joy, but don’t leave it exposed to the elements all the time. Weather is your car’s enemy. The sun, rain and wind take their toll. The sun fades paint and sensitive interior fabrics, rain leaves residue on that shiny exterior you worked so hard to wax, and wind blows dirt and sand against that beautiful finish leaving scratches.

Whenever you aren’t driving the car, make sure it’s protected from the elements. Keeping classic cars in a garage whenever they’re not in use is the best way to protect them from harm. If you don’t have a garage, then at least put a car cover over your classic. Those who live in winter climates (and who won’t be taking their classic car out when the weather turns) should consider a storage service to keep the car protected.

Classic Cars Like Clean

It’s important to keep your classic car clean, especially if you drive it during bad weather. Salt from winter driving, mud and dirt from rainy weather, and even the road grime that builds up on a sunny day should be cleaned off. Make sure you clean the outside and inside of your car and occasionally give it a thorough detailing.

It’s also wise to get the undercarriage washed to be sure corrosive chemicals aren’t harming delicate parts. You might not be able to see the undercarriage, but if it’s covered with salt and chemicals, you’ll know it’s dirty when parts begin to rust. A thorough cleaning keeps your car looking good and helps avoid costly repairs.

Get car washing tips.

Classic Cars Need Insurance

Even if you don’t drive it as often as your modern car, classic cars still need insurance because accidents happen to everyone. Classic car insurance includes many of the same items found in a traditional auto insurance policy. Typically, there’s property coverage to repair or replace your car and any property, as well as collision and comprehensive coverage. There’s also liability coverage in case you’re involved in an at-fault accident, and medical and personal injury protection for the medical expenses of you and your passengers.

AAA insurance works with carriers that specifically specialize in insuring classic cars, as they tend to have unique values rather than a standard actual cash value that you’d find on sites similar to Kelly Blue Book. 

Talk to a AAA insurance agent about protecting your car with classic car insurance. 

Perform Regular Maintenance

Classic cars require much of the same regular maintenance as modern cars. You’ll need to keep the oil filled and get it changed at regular intervals. The windshield wiper blades should be replaced any time they’re leaving streaks behind and the tires need to be checked every month to ensure the tread is still good. Even if you don’t drive your classic car as often, perform the same monthly maintenance checks as with your modern car to make sure nothing is overlooked.

It’s also a good idea to find a mechanic or auto body shop with experience maintaining classic cars. Do research about who specializes in this kind of work in your area. Once you find a reputable shop, ask them if they’re familiar with your specific car and make sure they are comfortable keeping it maintained. Cars today are not the same as the cars built years ago, so finding a classic car mechanic is important.

Budget for Repairs

Parts for modern cars are readily available with established pricing you can easily research. Classic cars are a whole different world. Parts can be hard to come by and if they’re particularly rare or difficult to produce today, then they’re going to be expensive. Do a little research before buying your classic car to make sure you have enough money to keep it in good shape.

Even something as simple as a tune-up that doesn’t require special parts can be more expensive on a classic car. Prices can run anywhere from a few hundred dollars to a few thousand, depending on your car. Budget carefully so you’re not left with a classic you can’t maintain. Remember, your classic car doesn’t come with a warranty like a new car. Anything that goes wrong is going to be your responsibility, so budget accordingly.

If you’re the proud owner of a classic car, what are your ownership tips for those looking to take the plunge? Share them with us in the comments below.

Learn more about classic car insurance from AAA. 

If you’ve ever locked your keys inside the car, you know it’s not a great feeling. Just as the car door slams shut and locks, realization kicks in, your stomach drops, and you see the key dangling from the ignition or the fob lying on a seat. To make matters worse, this always seems to happen when it’s raining or when you are already late for school pickup.

Thanks to fobs and keyless entry apps, locking the keys inside a car should happen far less often than in the past. But it still happens more than you think. AAA Northeast reported that 198,618 members locked themselves out of their cars in 2024.

Today, the retrieval often requires more than a coat hanger and metal rod.

“The newer the car, generally the harder it is to get into,” according to AAA’s Car Doctor John Paul, senior traffic safety manager for AAA Northeast.

Here’s what to do if you lock your keys in your car.

Not Your Mother’s Car Keys

Car keys have evolved over the decades from switches that controlled the car’s electrical circuit to keyless fobs with chips that exchange radio signals with vehicles to open the doors. By 2019, 91% of vehicles had keyless ignitions as standard or optional equipment, according to Edmunds. Some manufacturers also have apps that allow drivers to lock, unlock and start their cars with their phones. Phone apps are extremely handy but must be set up ahead of time and could require a subscription. Such systems are more convenient because people don’t have to remove keys from their pockets or purses.

While it is rare for a car to lock when the fob is inside, it can happen if the fob battery is depleted, the key fob is out of sync with the car or the car battery is dead. If you have a second fob with a hidden key, you are in luck. Often the keyhole is under a door handle.

In the case of ignition keys, if someone is distracted or their hands are full, it is easy to see how the key gets left behind.

“The reality is, it is just a change in habits,” noted Paul. “You add one more thing to your routine, and suddenly, you left your keys on the seat, because you were carrying a pie or an extra bag.”

Check Every Door

Before full-blown panic sets in, examine the car, because it’s possible only the driver’s door is locked, advised Paul.

“Try all the doors, even the hatch,” he said. “You may find that with an SUV, the hatch is unlocked. And while it’s awkward to crawl over the seats, it’s better than being outside in the rain.”

Whether the car is occupied determines what happens next. If a child or animal is locked inside the car, call the police. Officers will likely arrive more quickly than roadside service and will get into the car the most expedient way.

Don’t Forget the Keys — or AAA

Of course, before you consider breaking a window, you can call or request AAA Roadside Assistance online 24 hours a day, seven days a week, for help getting into your vehicle. 

The best way to avoid forgetting your keys is preparation. Always try to keep the key or fob in the same place and attach it to a brightly colored lanyard or keychain, so you can see it if you put it down. Try to keep a spare key with you.

“Develop a routine where you always have your keys in your hand,” Paul added.

AAA Roadside Assistance can be reached online, by phone or through the AAA Mobile app.

Have you ever locked your keys inside the car? Tell us your story in the comments below.

This article has been updated and republished from a previous version.

Homeowners today have more roofing options than ever before, but one thing is certain: Replacing a roof is a pricey project. In fact, the average homeowner shells out more than $7,500 to put a new lid on their residence, according to the National Association of Realtors.

While there are ways to cut costs – including evaluating your roofing material options – you never want anyone but a professional roofer to do the work, even if it means a higher price tag, said Scott Richards, an Insurance Internal Sales Manager for AAA Northeast.

“This type of serious work should always be handled by a professional roofer, so you don’t encounter any problems later on,” Richards said, adding you should always ask for estimates from more than one reputable contractor before hiring someone to do the work.

If getting a new roof is on your to-do list, read on.

Understanding Your Roofing Options

You might not invite a friend over to see your new roof like you would a new kitchen but replacing an aging roof can vastly improve the value and safety of your home.

If done right, a new roof beautifies your home and can help keep heating and cooling costs down – as much as 15 percent, according to U.S. Environmental Protection Agency. Plus, a new roof helps protect your belongings from the damage water leaks and wind damage can wreak on your home.

As far as roofing material options go, asphalt shingles are the most cost-effective but have the shortest lifespan. Most warranties for asphalt shingles guarantee about 15 to 25 years.

Premium asphalt shingles, including so-called “architectural” shingles that add dimension to the look of your roof, often have a 20- to 30-year lifespan but can cost thousands more. Higher end products that can last up to 40 years and withstand hurricane speed winds are available, but they’ll cost you.

Other roofing material options include slate and cedar shakes, but both are quite expensive and are used less frequently.

Upgrades Worth the Money

Attics become like saunas in the summer if they are not properly ventilated and installing ridge vents along the roof during a roof replacement can help make sure yours is properly aired out. Plus, these vents are barely noticeable – and they can help cut your air condition costs too by preventing all that hot attic air from spilling into your home.

Another important item is eave flashing. Used on the overhangs, sides and ends, these often-metal building materials help form water-tight seals that protect your home from a wide range of weather conditions.

The next time you’re outside, look for any tree limbs that could eventually fall and damage your roof or cause moss or mold. Consider having them removed before you replace your roof to prevent unsightly damage.

If you’re considering solar panels to help lower your electricity bill, you may want to consider pairing it with your roof replacement – and sometimes that means waiting to put them on. If you put solar panels on and then need a roof replacement in a couple of years, you could wind up paying anywhere from $1,500 to $6,000 to have the panels removed and replaced.

While evaluating your roofing options, you may also want to replace your gutters, especially if they are dirty or misaligned. The National Association of Home Builders estimates the average life of galvanized steel gutters is 20 years – about the lifespan of a typical roof.

Most building codes allow for a homeowner to put a second layer of shingles over an existing layer to avoid having to pay for the labor associated with removing old shingles. However, adding a layer over an existing one can trap heat, which can damage the shingles and shorten a roof’s lifespan. It can also prevent you from adding hurricane straps – metal roof-to-wall connectors that can reinforce critical sections of the roof, especially important if you live in hurricane prone areas.

How Your Roofing Options Affect Your Insurance

Your roof can affect how much you pay for your homeowners insurance premium, Richards said, with its age and condition as the two most important factors.

Its shape is another factor, he said.

“If I had a flat roof, I would consider having a roofer put a pitch on it because it can make a big difference by preventing leaks and damage,” Richards said.

Many insurance providers offer discounts to homeowners who have replaced their home’s roof within the past two years, so if you plan on replacing yours, make sure you talk to your agent about it, he added.

You should also talk to your agent about how your new roof could affect the value of your home, Richards said. Your homeowners insurance is what helps you rebuild should disaster strike and you want to make sure it would pay you enough to do so if necessary.

Should you choose to put solar panels on your roof, do your research; many companies who lease solar panels will pay to insure them too.

Installing a new roof is one of the most expensive purchases a homeowner will make but doing it the right way can save you a whole bunch of money and prevent a bunch of headaches in the process.

Have you recently done a roofing renovation to your house? Tell us about it in the comments.

Learn more about AAA homeowners insurance or get a quote.

For thrift and vintage enthusiasts, coming across a new place to explore is one of the best feelings – next to scoring a lucky find to bring home, of course.

The Northeast is chock-full of places to find gems from a bygone era, or just a great deal on pre-loved pieces. And whether that’s because of our rich history, sentimentality or just because Northeasterners especially love the thrill of the hunt is yet to be determined – but the why is much less important than the what and where.

So, strap on your fanny packs and get ready to thrift ‘til you drop. These are some of our favorite thrifting road trips in the Northeast, state by state.

Need a ride? Rent a car.

Connecticut

Putnam ➡️ Woodbury

Start your Connecticut thrift and vintage adventure in Putnam, where you’ll find one of the oldest antique mega-malls in the state, Antiques Marketplace. Wade through 325 dealer booths filled with 18^th to 20^th century pieces from furniture to the odd artifact. Depending on how early you’re starting, make a stop at Vanilla Bean Cafe for breakfast or lunch on your way toward Woodbury.

There’s so much to see in Woodbury that it even has its own antiques trail that showcases dozens of charming shops, like The Hidden Acorn, where you can browse through an intentionally curated collection of original and reclaimed antiques for the home. Make time for a visit to The Glebe House Museum & Gertrude Jekyll Garden before settling in for the evening at 1754 House, a historic inn.

Massachusetts

Boston ➡️ Worcester ➡️ Brimfield

It’s not surprising that you can get a good thrift find in a big city like Boston, but the sheer number of places to find one certainly is. First, take a wander through the Cambridge Antique Market where the five floors of vendors may just take you all day to explore. If you can visit on a Sunday, don’t miss the SoWa Vintage Market happening every week, all year-round, rain or shine.

Of course, the plentiful options in the Beacon Hill neighborhood aren’t to be missed. Check out Covet for high-end consignment or The Blessing Barn for donation-based thrift finds.

When you’re good and hungry, replenish at Tatte with coffee and a hearty lunch.

In Worcester, check out Crompton Collective, a marketplace that showcases antiques and handmade goods in an enormous space that somehow still feels homey.

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You may want to plan your road trip around the biggest antique event that Massachusetts offers (and purportedly the oldest outdoor flea market in the country): the Brimfield Flea. This mega-sized market will have your head on a swivel, with literally thousands of vendors scattered among 16 open fields. You’ll find it all at Brimfield, from antique rugs, books and oil paintings to comic books, clothing, records, knickknacks galore and so much more. The flea market is open for one week, three times a year in May, July and September.

New Jersey

Montclair ➡️ Lambertville ➡️ Burlington

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While treasure hunting in New Jersey, you’d be keen to start off on Bloomfield Avenue in Montclair, specifically at the Montclair Antique Center. Enjoy rows and rows of showstopping finds there before fanning out in seek of The Gypsy Farmhouse for an eclectic offering of Amish furniture, vintage textiles, architectural salvage and more.

In Lambertville, “The Antiques Capital of New Jersey,” you’ll find yourself in a vintage haven. Make a point to visit The People’s Store, where you’ll find European, American and Asian antique finds all housed within the perfect setting (that is, a building that’s 185 years old). On a Wednesday, Saturday or Sunday, take a ride to the Golden Nugget Flea Market, named for its reputation as being a gold mine for vintage finds.

Swing around to Burlington solely for the Historic Burlington Antiques Emporium where you’ll discover everything from retired amusement park fixtures to Depression-era glass and military collectibles.

New York

New York City ➡️ Hudson Valley

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We’re not sure how long it would take to scour every vintage or thrift shop in New York City, but we’re certain a short road trip wouldn’t cut it. However, there are some places to definitely hit. You’ve got spots for women’s apparel like 9^th St. Vintage and Cobblestones, men’s clothing finds at Monk Vintage and for all of your housewares, trinkets and stuff that simply can’t be categorized, there’s Yesterday’s News in Brooklyn and the Manhattan Art and Antiques Center downtown.

Heading out of the city, check out the Stormville Airport Flea Market on weekends in April, May, July, August, September, October and November.

Rhode Island

Providence ➡️ Smithfield

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For the smallest state, Rhode Island sure packs a punch when it comes to a good thrift. Start in the capital of Providence to visit The Vault Collective, a local favorite for its curated vintage apparel. On the weekend, take a walk over to The Providence Flea, where carefully selected local vendors sell their wares along the Providence River in the summertime and indoors at Farm Fresh RI in the cooler months.

Not quite Providence but close enough, take a short ride to Pawtucket to enjoy the Rhode Island Antiques Mall for 20,000 square feet of pure vintage goodness.

Heading up to Smithfield, a stop at Antiques Alley (formerly Stillwater Antiques) is a must. You’ll be greeted at the door by a life-size Elvis before walking through winding aisles that can only be described as a larger-than-life memory lane.

What are your favorite thrift and vintage stores? Tell us in the comments.

This article has been updated and republished from a previous version.

The U.S. national parks offer incredible opportunities to experience the country’s most breathtaking landscapes and natural wonders.

Track your adventures with a national park passport, available at over 400 National Park Service sites. Each location offers a free stamp to commemorate your visit.

How many will you collect?

Passport to Your National Parks

What is the Passport to Your National Parks?

Eastern National, a nonprofit organization that creates educational products and services to promote support for America’s national parks, created the Passport to Your National Parks program in 1986. Travelers can log their visits to US national parks and monuments in this small spiral-bound booklet, designed to resemble an official passport. The passport contains maps that are color-coded by region, some brief information about each park or monument, photographs and maps.

How do I get my national park passport?

The Passport to Your National Park is available at Eastern National park brick-and-mortar stores found at over 150 national parks and in their online store.

How much does the national park passport cost?

The classic passport is $14.95. A collector’s edition is $32.95. Additional pages, a kids’ edition and region-specific guides are also available.

How do I get my national park passport stamped?

The majority of parks in the National Park System participate in the passport program. Those that do participate have Cancellation Stations where visitors can collect their free “cancellation stamps”. Visitors can also inquire at the park headquarters for information about obtaining a passport stamp.

What regions are covered?

Although the National Park Service is currently divided into seven regions, the Passport to Your National Parks contains the nine regions in existence when the program was initiated. These regions are:

• North Atlantic
• Mid-Atlantic
• National Capital
• Southeast
• Midwest
• Southwest
• Rocky Mountain
• Western
• Pacific Northwest and Alaska

What is the annual stamp set and how do I get one?

Each year, Eastern National releases a set of ten full-color collectible stamps that feature a photo and description of one park per region plus a national stamp. These sets are available wherever the national park passports themselves are sold. The sets cost $6.99, and the passports have spaces allocated for these special stamps.

America the Beautiful Passes

An America the Beautiful pass grants entrance to more than 2,000 federal recreation sites managed by the National Park Service, the U.S. Forest Service, U.S. Fish and Wildlife, the Bureau of Land Management, the Bureau of Reclamation and the U.S. Army Corps of Engineers.

A pass covers the entrance and day use fees for the driver and all passengers in a personal vehicle, or up to four adults at locations that charge a per-person entrance fee. Children under 15 have free entrance to these areas. The passholder may also be eligible for a discount on park campground rates and other fees. This benefit varies by location.

What type of passes are available?

Several types of America the Beautiful passes are available, including:

• Annual pass: Anyone can purchase a standard annual pass, which currently costs $80 per year. Members of the US military can receive an annual pass for free.
• Annual fourth-grade pass: This pass is for U.S. fourth-graders, including those who are home-schooled. The pass is free and valid for the duration of the student’s fourth-grade school year, September through the following August.
• Senior pass: The Senior pass, formerly called the Golden Age Passport, can be purchased annually for $20 or as a lifetime pass for $80. The passholder must be a US citizen or permanent resident age 62 or older.
• Access pass: The free Access pass is for US citizens or permanent residents with permanent disabilities. This pass provides a discount on some park fees but does not always include free admission.
• Volunteer pass: This pass is given free to people who volunteer more than 250 service hours at federal agencies that participate in the pass program.

Where can I get a pass?

Passes are sold at numerous federal recreation areas throughout the country. A list can be found here, though purchasers are advised to call a site to confirm that passes are available.

Plan your national park vacation with a AAA travel advisor. 

How many national parks have you visited? Do you use a national park passport? Tell us in the comments.

This article has been updated and republished from a previous version.

Stressing over finances as a young adult almost seems like a rite of passage. It’s a time when you’re trying to build credit, avoid bad debt, budget and pay off your student loans — all at once. Starting your career and trying to save money, all while trying to manage all the other expenses in your life is a balancing act that is almost always overwhelming. These tips can help with financial planning in your 20s and 30s and keep you on track.

Extra Credit

One of the most important financial moves young adults can make is building good credit. Ellen Morvant, CFP^®, APMA^®, Ameriprise Financial Advisor with Waterfront Wealth Management, recommends focusing on building good credit and avoiding bad credit through making on-time payments and wisely using credit cards to pay bills.

“To build credit, you have to demonstrate an ability to manage debt responsibly. This means making at least the minimum payment on time every time for every debt you have, whether it’s a student loan, car loan, mortgage or credit card,” Moryant said.

An easy way to start building a credit history is to apply for a credit card, but you have to be smart about how you do it or else it can easily get you into trouble. “When you open your first credit card, commit to limiting your spending to an amount you know you will be able to pay off in full at the end of the month,” Moryant said. “I recommend picking a few bills you can use your credit card to autopay, and then signing up to have the credit card full statement balance paid automatically from your bank account each month.”

With the AAA Daily Advantage Visa Signature® Credit Card or the AAA Travel Advantage Visa Signature® Credit Card, you can take advantage of cash back on a wide range of purchases and experiences. Learn more.

The B Word

With credit cards, student loans and other expenses, it’s easy to find yourself in some serious debt. Morvant recommends building a budget early in life and has some alternatives for those who may fear the word “budget.”

“One of the best defenses against debt is a realistic, proactive plan for spending and saving. Some people call this a budget. But I find most people hate their budgets, get overwhelmed by them, and stop following them,” Moryant said. She suggests a simpler system for how to manage money in your 20s, 30s — or any age — with just a few categories:

• Fixed must-haves.
• Variable must-haves.
• Discretionary spending money.

To avoid debt, Morvant also recommends having an emergency fund that’s at least three months’ worth of expenses saved in a bank account in case of the unexpected loss of a job, an injury or other unforeseen costs that may arise.

Start Saving for Retirement Now — Yes, Now  

In addition to building credit and avoiding debt, when financial planning in your 20s and 30s, it’s also essential to start saving for retirement as soon as possible.

“The longer you wait to start investing for the future, the more years of compound investment growth you stand to miss out on. This means you will need to put away substantially more of your own dollars to end up with the same amount of money in retirement the longer you wait to start,” Morvant says.

There are multiple ways to go about saving, including IRAs and 401(k)s.

401(k)s and IRAs are tax-advantaged retirement plans. A 401(k) is sponsored by an employer, while an IRA is an account you open on your own.

“401(k)s tend to be the easiest ways for most people to start investing for their retirement because they allow you to contribute a portion of your paycheck directly, helping to build that ‘out of sight, out of mind’ systematic savings habit,” Moryant said. “Many companies will also match contributions you make to the plan up to a certain percentage of your pay. If your company does this, consider contributing at least enough to get the full match. It’s essentially free money – turning the match down is basically taking a voluntary pay cut.”

It’s also a good time to think about getting a life insurance policy. Age largely factors into your rate — the younger you are, the less you pay.

Repaying Student Loans

And then there’s the three words 20-somethings might dread more than any other in the English language: Student loan repayments. Given that student loans are taken out while students are in school and require no payments during that time but are still gaining interest, it’s easy to find yourself in over your head in debt when you graduate. But AAA Northeast Senior Manager, Student Lending, Donald Kerr, advises graduates not to lose hope just yet, as there are repayment plans and strategies that can help you.

“The amount of student debt younger people are graduating with can be overwhelming. One way to help is to explore consolidating and refinancing student loans. When you do this you will have more repayment plan options such as five, seven, ten, fifteen and twenty year loans as well as variable or fixed interest rates. Most importantly, you will be able to choose a monthly payment amount that fits your budget,” said Kerr.

Longer term loans will have lower monthly payments but cost more overall and short-term loans will have higher monthly payments but save you the most amount of money. Kerr advises evaluating your student loans on an annual basis to keep from getting overwhelmed. “You can refinance your loans multiple times so look at your budget, financial goals and refinance your loans to match.”

When it comes to understanding your options for repaying student loans, a financial professional can help you understand and work through your options.

“AAA student lending offers free advising and counseling to our members. We can help them understand the refinancing and consolidation options for all private student loans. We can also assist with exploring federal student loan repayment options such as income-based repayment plans, graduated repayment plans and others such as public service forgiveness. We help our members understand all the repayment options, the pros and cons of each, answer all their questions and give them the information they need to make the right choice for them to best manage the loans,” Kerr said.

Get a student loan with AAA.

Never fear, there are ways to help build credit, avoid debt, budget, manage student loans and set yourself up for success when financial planning in your 20s and 30s, even when it feels impossible.

In an ideal world the forecast would always be sunny. Unfortunately, rainy days are bound to happen, even if you hope for the best. You can’t predict a catastrophe, but you can be well-prepared by having a rainy day fund.

A rainy day fund is critical in times of financial crisis to cover unforeseen expenses and your everyday bills. If you should suffer an expensive personal setback, do you have the money to bail yourself out without borrowing or using a credit card? There are countless emergencies that could pop up and strain your bank account such as car accidents, medical bills and home repairs.

Learn how to build a rainy day fund to ensure that you have a financial safety net to weather an unexpected event.

Creating a Rainy Day Fund

Emergencies can put a serious dent in your lifestyle and budget. It’s clear that having money set aside is what we should do to be financially responsible. Of course, when you’re living paycheck-to-paycheck or paying off debt it can be difficult to even think about setting aside any cash. Even if you’re financially stable, what’s the purpose of a rainy day fund?

A rainy day fund is different than an emergency fund, although these terms are often used interchangeably. An emergency fund is another type of savings account that can be tapped should you lose your job or a large chunk of income. An emergency fund traditionally is a large safety cushion of $5,000 to $10,000, which could cover your everyday expenses for three to six months.

A rainy day fund is a smaller cash reserve that is used for one-time emergencies. You don’t have to be wealthy to create a rainy day fund. How much you need in that fund will vary per household. Financial experts recommend having anywhere from $500 to $3,000 in a rainy day fund. Set a goal that works for your budget.

Is Your Rainy Day Fund Enough?

Consider these possible scenarios and how you would pay for them. Your tooth has been killing you. You finally drag yourself to the dentist to find out that you need an emergency root canal and the deductible is $900. Would you have the cash out of pocket to cover it? What if you dropped a cup of coffee on your laptop and needed to replace it? Do you have $500 to $1,000 for a new Apple computer or PC?

Set a goal for yourself of how much you want to save. Then start reviewing your bills every month to see where you can save. Are you dining out and buying drinks every week? Do you have a cigarette or junk food habit? Cut down on expenses. Everything counts; even collecting the loose change you find in your bag, car and home. The secret to saving, especially if you have limited means, is to start small. Make a sandwich for lunch instead of ordering out. Set any money aside and put it into your rainy day fund.

Budgeting is particularly difficult during lean times, so take advantage of the moments when you have a sudden influx of cash. During times of economic upticks, people tend to spend more and save less. Do the opposite. Put aside money when you have added income like a bonus from work, a cash gift from a relative or tax return check. It’s easier not to miss money and stash it away for a rainy day when you’re enjoying a financial upswing.

If you don’t have much spare cash to save, consider finding a second job to bring in extra cash.

Storing Your Money

The envelope system may have worked for your grandparents. You, however, may want to stash your cash somewhere safe and separate from your checking account. Put your rainy day fund in a separate savings account or a government money market fund, where your money can earn compound interest and grow over time. Don’t make it easy to borrow from your rainy day fund, and open an account at a different bank than your checking account. Maybe even have a portion of your direct deposit go to your rainy day fund.

Start with small goals, storing away any extra cash you get. Eventually you’ll have a solid safety net. Having a rainy day fund prevents you from going into debt or using funds reserved for retirement. Plus it gives you peace of mind.

What are your best tips for saving money? Share them in the comments section below.

Find low rates on auto, home and student loans with AAA.

What is a pig butchering scam? It’s an ugly scam with a name to match. Similar to catfishing, fraudsters pose as someone else, put in the time to gain the trust of their victim, then strike. Like fattening up a pig before slaughter.

It starts innocently enough with a random text message, a wrong number or a dating app response. Before long, you are corresponding with the person who contacted you, talking about your families and exchanging personal information. After a few weeks, your new “friend” says they know a great way to make money fast, often with cryptocurrency, and all you need to do is make a small investment.

You send some cash and get a small return. Encouraged, you send more funds, and some more.  Then a few weeks later, your friend vanishes — along with your money.

Pig Butchering Scams Are Spreading

One study found that between 2020 and 2024, about $75 billion globally was lost through pig butchering scams.

Many of the people involved in these scams are overseas, often from Southeast Asia, and are victims of human trafficking, forced by their captors to participate or face torture.

Part of the reason pig butchering is spreading rapidly in the U.S. is that it is so lucrative, said Robert Siciliano, CEO of cybersecurity training company Protect Now. “The more money people can get, the more they gravitate toward crime,” he said.

Technology like artificial intelligence makes the process even easier, so scammers can call multiple people at a time, using untraceable numbers. “The technology is up and running,” Siciliano added. “People are even selling kits to do this.”

Little Recourse

Because the scammers’ tracks are covered so well, money is almost never recovered, said Mike Breummer, vice president of consumer protection for Experian.

“The rate of conviction is below 10%,” he said. “They are hiding through multiple IP addresses, or in countries where they don’t crack down on these things. It’s still low on the pecking order of crimes for authorities to prioritize.”

To avoid getting caught up in these scams, never click on unfamiliar links and don’t accept calls, or respond to text messages or emails, from anyone you don’t know, both Siciliano and Breummer said.

Siciliano and Breummer talk more about identify theft protection in the “Identity Theft” episode of the AAA podcast, Merging Into Life.

If Something Seems Off …

If you suspect you are being defrauded, cut off contact with the perpetrators and alert the police. If multiple people reported the same scam, sometimes police can follow a paper trail of victims and over time discover who is responsible.

“If you catch it early, you can stop it and avoid further damage,” Breummer said.

Damage control should start immediately. After reporting the incident to the police and the FBI, wipe any of the numbers from your phone, have your computer swept for malware, if that was involved, check your credit file and change all your passwords.

Alert your identity theft protection service if you have a plan. If you don’t, it’s smart to sign up for credit monitoring through a company such as Experian.

“There are lots of resources at Experian; you can see consumer tips, learn how to report fraud and ask questions in the Experian blog,” Breummer said.

Take control of your identity with ProtectMyID® from AAA, fueled by Experian®. ProtectMyID Essential is free for AAA members.

And the best protection against these criminals is to remain vigilant. “Be Chicken Little,” Breummer said. “Be suspicious of anything and use resources to help.”

Unfortunately, pig butchering scams are just one of the ways the U.S. public is getting conned. Be wary of these schemes as well.

Have you heard of pig butchering? Tell us in the comments.

Shopping for a new car can be exhausting.

By the time you find the one you want — and haggle with a salesperson who has given you their best price three times — you’re ready to sign on almost any dotted line just to get out of the dealership.

That’s when you get shuttled off into a back office, where the new car financing guy saddles you with a high interest auto loan that results in you paying thousands of dollars more than you would have if you had just shopped for the loan ahead of time.

“In my mind, there are two completely separate transactions that take place when you buy a car,” said Ted Lyons, vice president of Financial Services for AAA Northeast. “One is negotiating the price of the car and the second is negotiating the financing of that purchase.”

While many buyers spend hours researching makes, features and even colors they want in a car, they rarely shop for new car financing, despite how important it is.

Here’s how you can find the best way to finance a car for your situation.

Before You Buy

Buying a new car is exciting, but don’t rush it — you can save a lot money immediately and in the long run by doing research first.

For instance, the AAA Auto Buying program is a valuable resource that can help prospective car buyers find the car they want and see what other people have paid for that model vehicle. While shopping from AAA’s network of certified dealers, the AAA Auto Buying program can help buyers get a guaranteed price and save on a new or used car.

Another important step is to look at your financial situation and determine how much you can afford to spend on a new car. You should not only consider the car payments, but also the price of gas, preventative maintenance, repairs and more. Factor in the value of a trade-in vehicle that you own or any negative equity, which is the money you still owe on a car you previously financed.

Types of Car Financing

When it comes to new car financing, you have two options:

Direct Lending

This is when you borrow money directly from bank, credit union or finance company and use that loan to pay for the car, which allows you to comparison shop to find the best deals and to know the credit terms — like annual percentage rate, length of term and maximum amount — before you get to the dealership.

Some financial institutions, like AAA, can offer you both an auto loan and all the ancillary products like an extended warranty, debt protection, GAP protection and other coverages at a significantly lower price than a dealership (which typically makes its money of the sale of these products).

For example, on the average car, AAA can help a buyer secure key fob replacement, tire and wheel protection and dent and ding protection for less than the price of replacing a single key fob, Lyons said. And unlike a mortgage application, applying for an auto loan is a fast and easy process that takes only a few minutes, he added.

Dealership Financing

Another option is to apply for financing through the dealership. While it can be convenient to do the car buying and financing all in one shot, you may not be given any financing options from which to choose and you could get stuck paying a higher interest rate than if you shopped for financing on your own.

After You Sign

Just because you agreed to terms does not mean you are out of options. New car buyers always have the option to refinance — even as early as the first 90 days. Refinancing a car can help you secure a lower interest rate on your loan, reduce your monthly payments and more.

“If you don’t shop ahead of time, you don’t know if you’re getting a good deal,” Lyons said. “And all it takes is one phone call to get the car you want at a price you can afford.”

Learn more about AAA Auto Loans.

Have you ever financed a new car outside of the dealership? How was your experience? Tell us in the comments.

Car batteries are especially vulnerable to losing power in winter, usually at the worst possible time in the worst possible weather. But with some preparation and maintenance, you don’t have to worry about being stuck in a frigid car on the side of an icy road. Here’s how to protect your car battery from winter.

If your battery still fails after all your precautions, AAA Car Battery Service is available seven days a week to come to you to test or replace your battery.

Why Do Car Batteries Die in Winter?

Cold weather can wreak havoc on a car battery.

Lower temperatures restrict your car battery’s output while forcing it to draw more power to work, according to AAA’s Car Doctor John Paul.

“A car engine needs about 30% more energy to start when the temperatures drop to freezing,” Paul said. “And at zero degrees your vehicle battery can only deliver at 50% of its rated capacity.”

While fully charged batteries normally do not freeze — temperatures would have to drop below minus 76 degrees for that to happen — a fully discharged battery, which has just below 12 volts, can freeze at 32 degrees.

The average car battery life in the Northeast is three to five years. As they age, batteries should be checked annually,

Get more tips on how to winterize your car and how to protect your car battery from winter.

Getting the Most of Your Car Battery in Winter

For the best winter performance, purchase a premium quality battery with the highest cold cranking amps rating to meet or exceed the vehicle manufacturer’s specifications, such as a AAA-branded premium quality battery.

To get the most out of any car battery, make sure to test it regularly. After a stretch of harsh weather is the perfect time so you make sure to protect your battery from winter.

“Batteries really are the strong silent type,” said a representative of Interstate Batteries, the vendor that supplies AAA-branded car batteries. “Even corrosion isn’t a sign of a bad battery. It takes a battery tester to uncover any issues.”

Make sure you have a reliable battery this winter.

In a hurry? Get a premium new battery from AAA Car Battery Service.

Note: Due to high demand because of cold weather, the wait times for mobile battery service may be longer than usual.

Has your car battery ever died in the middle of winter? What do you do to maintain your car battery? Tell us in the comments.

As we look back on the past year and toward a new one, it’s almost instinctual to set goals. We all have things we’d like to change or improve, and a new year is the perfect excuse to get started.

Now is also a great time to think about your insurance resolutions. Insurance shouldn’t be something you buy once and blindly renew each year. If you’ve moved, changed jobs, retired, added to your family or made any other major life changes, your policies could likely use some updating.

Get the new year off to a good start by taking the time to review your policies and make sure you are still getting the most out of your coverage. Here are a few insurance resolutions to get you started.

Drive Change

As you reassess your auto insurance policy, think about how your — and your family members’ — driving habits may have changed. Perhaps you’ve started working from home or recently retired, resulting in less time on the road. Driving less could qualify you for low-mileage discounts. Maybe you have a college-bound student who will no longer have access to household vehicles or, on the other hand, a teenager who’s ready to be added to your policy.

Think about your vehicle. If you’re holding onto an older car, collision and/or comprehensive coverage may no longer be worth it for you. Talk to your insurance agent about adjustments that can be made.

To help lower auto insurance costs, look into taking a defensive driving course. Not only will it help you to become safer on the road, depending on the state you live in, it could also save you up to 10% on your insurance.

Take Inventory

Whether you own or rent your home, making (or updating) an inventory of your belongings — at least your most valuable things — is a smart decision.

If you bought a new TV, phone or laptop, or made another large purchase during the year, such as furniture or appliances, you’ll want a record of it — just in case. If you don’t want to write out an itemized list, consider making a video. This way, in the chance of theft, a fire or natural disaster, you’ll know exactly what’s missing and have proof for your insurance company.

Updating your home insurance after any renovations is a must. An updated bathroom or a finished basement converted into an at-home gym, office or lounge could increase the value of your home, meaning you might want more coverage. Similarly, if you added a hot tub, pool or trampoline, you’re increasing your liability.

Talk to your insurance agent to make sure you are fully covered without overpaying. Keep in mind that homes are often insured for a limit that is different from market value. It instead reflects the cost necessary to repair or rebuild the home in the event of a total loss based on the current market’s construction costs.

Stay Healthy

Getting serious about quitting smoking or seeing your doctor annually are insurance resolutions that could help to improve your health and save you money on life insurance.

People who maintain a good weight due to diet and exercise typically receive the best life insurance rate offerings. “Healthy habits are the key to longevity, and they are a critical part of the evaluation that a life insurance company completes in considering you for a policy,” says AAA Northeast vice president of insurance sales Tiffany Clay. “Seeing your primary care provider at least annually and proactively caring for your health with things like cancer screenings are positives when life insurance companies are making a decision around the rate you will pay.”

Because rates are based on how much of a risk you are, part of the cost of life insurance also depends on your age. The younger and healthier you are, the better the time is to start considering a policy.

The main purpose of life insurance is to take care of others after we’re gone. No one wants their loved ones to have to take on their debts or struggle for basic needs. Review your beneficiaries regularly and make sure to tell someone you trust about where you keep your important documents.

Mind the Gap

While auto, home, rental and life insurance are the most popular and necessary types of coverage, depending on your lifestyle and where you live, your current coverage might have a few gaps. For example, if you live near the water or in a location that experiences heavy rains and/or poor drainage, you should look into flood insurance. Flood damage is considered a separate policy that is not covered by your overall home insurance.

Umbrella insurance, also called a personal liability policy, goes beyond basic home and auto coverage, protecting you with high liability limits.

Protect Your Plans

If you’re someone who travels often, travel insurance could be a smart investment for you. This kind of insurance will refund you in the case of a cancellation. More importantly, it can help cover medical expenses or an emergency evacuation back to the U.S.

Be Paw-Some

Protect your furry friends with pet insurance. Like health insurance for humans, this type of coverage helps pay for veterinary care if your fur baby becomes injured or sick. Most policies only apply to cats and dogs.

Learn how your pets may also be covered by your auto and homeowners policies

You never want bad things to happen, but you’ll be thankful for being prepared if they do.

Get a quote or speak with a AAA insurance agent.

This article has been updated and republished from a previous version.

Distracted driving, speeding and driving while impaired contribute to tens of thousands of traffic deaths each year. And in total, federal officials estimate that more than 39,000 people were killed in all U.S. traffic crashes in 2024, a slight decrease from the previous year but still a stark reminder of the persistent public health crisis on American roads. 

The annual Traffic Safety Culture Index examines driver attitudes, self-reported behaviors and support for traffic safety policies. This year’s results highlight a clear pattern: Even as some drivers continue to take dangerous risks, most Americans want stronger safeguards that prevent impaired driving, including advanced vehicle technologies and more protective legal standards. 

• 67% of respondents supported requiring all new cars to include alcohol-impairment prevention technology. 

• 51% of respondents supported lowering the legal blood alcohol concentration (BAC) limit from 0.08 to 0.05. 

Despite this support for countermeasures, the survey found that drivers are still choosing to drive impaired. While 93% said driving after drinking is very or extremely dangerous, 7% said they did so in the past 30 days. That trend persisted for marijuana-impaired driving: 70% said driving within an hour of using marijuana is very or extremely dangerous — and 6% reported doing so. 

“Impaired driving has resulted in devastating outcomes for too long, and these findings make it clear that the public is ready for solutions,” said Jillian Young, director of public relations for AAA Northeast. “Especially at a time when so many drivers still admit to risky driving behaviors, it’s critical that we leverage the tools and technologies that can make a measurable difference.” 

The survey also found risky behavior persists in other areas. 

Distracted Driving 

• Almost all respondents said scrolling social media (97%), texting/emailing (94%) and reading on a hand-held phone (90%) are extremely or very dangerous behind the wheel — yet 28% texted, 37% read messages and 36% talked on a hand-held phone while driving. 

Aggressive Driving and Speeding 

• Aggressive driving (90%) and running red lights (80%) were considered extremely or very dangerous, but speeding was seen as less dangerous compared to other risky behaviors. 

• 58% said a driver is very or somewhat likely to be caught by the police for driving 15 mph over the speed limit, yet about half of respondents reported driving 15 mph over the speed limit in the past month. 

For more information on survey methodology, data considerations and results, please refer to the full Traffic Safety Culture Index report.  

AAA projects 122.4 million Americans will travel at least 50 miles from home over the 13-day year-end holiday period beginning Dec. 20 and ending Jan. 1. This year’s forecast represents a 2.2% increase over 2024, surpassing last year’s record of 119.7 million travelers.  

“Year-end travel is a mix of family road trips, friend getaways and tropical vacations,” said Jillian Young, director of public relations for AAA Northeast. “Holiday celebrations look different for everyone, but a common thread is the desire to travel, whether it’s returning to your hometown or exploring new destinations.”  

Year-End Travelers by Mode of Transportation 

By car:

AAA projects 109.5 million Americans — 89% of holiday travelers — will travel by car for their year-end trips, an increase of 2% compared to last year. For travelers who are renting cars, AAA car rental partner Hertz says Saturday, Dec. 20 is expected to be the busiest pick-up day.  

With a record number of travelers on the road, AAA urges drivers to prioritize safety. December is National Impaired Driving Prevention Month, which serves as a timely reminder to make safe choices and stay vigilant. AAA and MADD (Mothers Against Drunk Driving) encourage travelers to plan safe rides home during the holiday season, one of the most dangerous times of year to be on the road. 

During 2024’s year-end holiday period, AAA responded to more than 860,000 roadside assistance calls to help drivers with issues like dead batteries, flat tires and empty fuel tanks. When AAA responds to roadside incidents, it’s incumbent upon all of us to keep everyone safe. Slow Down, Move Over requires you to reduce your speed and change lanes when you see stopped vehicles on the side of the road, which gives roadside technicians, law enforcement officials and others room to complete their work safely. 

By air: 

AAA projects a record 8.03 million travelers taking domestic flights this holiday season, a 2.3% increase from last year. This will be the first time that the number of domestic air travelers over the year-end holiday period exceeds 8 million.  

By other modes: 

Travel by other modes is expected to increase by 9% with 4.9 million people traveling by bus, train or cruise. This category has seen a 25% increase since 2019, mainly due to the record-setting demand for cruises post-pandemic.  

AAA’s Top Year-End Destinations 

The top holiday destinations listed below are based on AAA booking data for year-end travel.  

Domestic	International/Caribbean
Orlando	Cancun, Mexico
Fort Lauderdale	Punta Cana, Dominican Republic
Miami	Cozumel, Mexico
Los Angeles/Anaheim	San Jose, Costa Rica
Honolulu	Puerto Vallarta, Mexico
Tampa	San Juan, Puerto Rico
New York City	Nassau, Bahamas
Maui	Rome, Italy
Dallas/Fort Worth	Oranjestad, Aruba
Las Vegas	Sydney, Australia

Best/Worst Times to Drive 

While both Christmas week and New Year’s week will see days of increased traffic, INRIX, a provider of transportation data and insights, expects Christmas week to be the busiest. Interstates will be extra congested the weekend before Christmas, as travelers hit the road on Saturday and Sunday, Dec. 20 and 21, ahead of the holiday. Friday, Dec. 26, is also expected to be busy with post-Christmas Day travelers. Christmas Eve, Christmas Day, New Year’s Eve and New Year’s Day typically have the lightest traffic, but crashes or severe weather could create delays. 

Best and Worst Times to Travel by Car
Date	Worst Travel Time	Best Travel Time
Saturday, Dec 20	Noon-8 p.m.	After 9 p.m.
Sunday, Dec 21	1-7 p.m.	Before 11 a.m.
Monday, Dec 22	1-7 p.m.	Before 10 a.m.
Tuesday, Dec 23	1-7 p.m.	Before 10 a.m.
Wednesday, Dec 24	Minimal Traffic Impact Expected
Thursday, Dec 25	Minimal Traffic Impact Expected
Friday, Dec 26	11 a.m.-8 p.m.	Before 11 a.m.
Saturday, Dec 27	11 a.m.-8 p.m.	Before 11 a.m.
Sunday, Dec 28	11 a.m.-8 p.m.	Before 11 a.m.
Monday, Dec 29	Noon-8 p.m.	Before 10 a.m.
Tuesday, Dec 30	Noon-7 p.m.	Before 10 a.m.
Wednesday, Dec 31	Minimal Traffic Impact Expected
Thursday, Jan 1	Minimal Traffic Impact Expected

Snow, ice and sleet — not to mention the chemicals used to melt them — can wreak havoc on your vehicle. Properly thawing your car when winter delivers its worst is important to prevent long-lasting damage and keep you safe while driving.

How to defrost car windows effectively and efficiently

Start with a properly operating heater. If the engine is not getting up to the proper operating temperature, the defroster will be much less effective. Set the climate control to full defrost rather than bi-level. This will direct the maximum airflow at the windshield.

If your car has the option, the defroster should be on the fresh air setting rather than re-circulated air.

Get tips on how to defog your car windows here.

How can you remove snow without damaging your car?

Use a long-handle snow brush or snow broom (sometimes called a snow rake). Clean from the middle and push or pull the snow. Doing this before the snow turns into ice will prevent damaging the paint.

Clean the entire car — hood, roof, lights and license plates.

How does salt damage your car and how can you prevent it from happening?

Salt (sodium chloride) and other road chemicals (magnesium, calcium chloride and other brines) can cause accelerated rusting.

To prevent this, you should clean any accumulated salt off your vehicle as soon as practical. Flushing with clean, fresh water is ideal. During winter, an occasional undercarriage wash will help wash away any built-up salt, sand or other road deicing chemicals.

If your car is covered with sticky brine, salt or other chemical substances, don’t park the car in the garage. The warmer air will speed up the corrosion process. Wash and dry the car before putting it in a garage. Touch up any paint damage or scratches before it starts to rust.

What’s the best way to remove ice from the car?

If you are able to open the door and get in, do so and start the car. This will allow the vehicle to warm up and begin to melt the ice.

Do not use sharp products — and never use a shovel. A strong plastic ice scraper will do just fine. Another option, once the car starts to heat up and lightly thaw, is banging on the ice with the snow broom to loosen the ice. You can also use an aerosol deicer spray on the glass but be aware this is mostly alcohol and may remove wax from the paint.

If the car door is frozen shut, what should you do?

Never pour hot water on the door. Although this may get you into the car, you have just added more water that will likely freeze again.

First, make sure to try all the doors. If it’s an SUV, even try the hatch. You may find one door that you can get in. Don’t yank on the door handles as they can break. Try banging your hand along the edge of the door, which may free up the ice. You can also spray deicer on the door and handle. Or just wait until the sun comes out if that’s an option.

Once you get the door open, wipe down all the rubber gaskets to remove any moisture and then spray the gaskets with silicone. This will displace any moisture and prevent door freezing. You should ideally do this a couple of times per year.

Share your tips on how to defrost car windows in the comments below. 

This article has been updated and republished from a previous version.