Insuring Engagement Rings and Expensive Gifts

It’s unlikely that your Valentine’s Day plans include a phone call to your insurance agent, but if you are gifting a pricey piece of jewelry, you may want to pencil one in.

After all, ’tis the season to pop the question! Most engagements take place between Thanksgiving and Valentine’s Day, according to Wedding Wire. To protect your purchase, it’s wise to consider insuring engagement rings, wedding rings and other big-ticket gifts.

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How to Insure an Engagement Ring

Standard homeowners and renters insurance covers belongings from fire and other perils named in a policy, but there are limits to how much money a policyholder can collect on a single piece of jewelry that has been stolen. In most policies, the “limit of lability,” on jewelry is in the ballpark of $1,500, well short of the average $5,000 spent on an engagement ring.

Buyers looking for engagement ring insurance or coverage on other valuable assets that exceeds the liability limit in their policy have two options, according to the Insurance Information Institute. You can either ask your insurance agent to increase your liability limit, or have them “schedule” an individual piece of jewelry into your coverage by purchasing what’s called a floater policy.

Scheduling each piece or item may cost more in premiums, but it offers broader protection, because the floater covers losses of any type, including accidental losses – such as dropping your ring down the drain of the kitchen sink or leaving an expensive watch in a hotel room – that your homeowners insurance policy will not cover.

Floater policies by default, are replacement cost policies, meaning the insurer will replace a piece of jewelry with an item of like kind and quality if ever it is lost, stolen or damaged. Another benefit of the floater policy is that there is typically no deductible for a jewelry claim.

You can also choose to cover your engagement ring with a specialty jewelry policy. This could be a good option for those who don’t have a homeowners or renters policy, such as adult children living with their parents.

Learn more about jewelry insurance offered through AAA.

Insuring Other Expensive Gifts

Even if an engagement is not in your plans, you may still want to consider a floater on other high-priced purchases.

Floaters can be purchased on musical instruments, sports memorabilia collections, electronics and even family heirlooms. But first, said items must be professionally appraised or have a receipt dated within the past three years must be provided to the insurance agent, so the insurer knows what the item or items are worth.

It’s also good practice to keep an up-to-date, room-by-room home inventory, which you can catalog in a notebook or record on video. Either way you decide to do it, you want to document what you own and how much each item costs. Not only will this help you speed up claims and prove losses for your taxes, but it will also give you an idea of how much insurance you need.

Get in touch with a AAA insurance agent today.
Did you get engaged recently? Are you thinking about getting insurance for our ring? Tell us about it in the comments.

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How Long Should You Warm Up Your Car?

There was a time when drivers had to trudge outside on cold winter mornings to give their cars a head start and warm them up for a while before leaving.

Fast forward to modern cars and improvements to fuel and fuel systems and you may be wondering: Do you still need to warm up your car? Not really.

Synthetic oil and fuel injection technology have eliminated the need for extended warm up times, said Robert Sinclair, senior manager of public affairs for AAA Northeast. Synthetic fuel can effectively lubricate the engine quickly even in frigid weather.

So, how long should you warm up your car in winter?

“After starting the vehicle, in the time that it takes to put on the seat belt, the vehicle will be ready to drive,” Sinclair said in an interview with Fox Weather.

Allowing just enough time to warm up the interior and defrost the windshield is sufficient, according to Consumer Reports. Thanks to upgrades in technology, it takes only 20 to 30 seconds to fully lubricate an engine.

At the same time, avoid going from zero to 60 immediately.

“The key is to drive the vehicle gently until the engine reaches operating temperature, which a gauge, if the car is equipped with one, will show. In fact, gentle driving helps to circulate the engine oil more effectively and warm the transmission and related components which remain cold while idling,” according to Sinclair.

Older cars that still have carburetors do need to warm up, he added. And if the car has trouble starting or doesn’t start at all, it’s time to have the battery checked.

AAA Car Battery Service will come to you wherever you are, seven days a week, to test or replace your battery.

Do EVS Need to Warm Up?

When it comes to electric vehicles, you should warm them up in freezing weather to preserve battery power and range. They may have the latest technology, but that technology prefers to be warm.

EV batteries deplete more rapidly in colder temperatures. Chemical reactions that store and release energy in the battery slow down when the temperature drops. A 2019 AAA study indicated that when temperatures fell to 20 degrees, EV driving range was reduced by 12%.

The best way to prepare your EV for wintry weather is to start it while it is still plugged into your home charger so you can warm the interior without draining the battery. Plus, you can turn down the heat while you are driving and preserve driving range. Using the HVAC system to heat a car’s interior on a 20-degree day cuts the range by about 41%, according to AAA research.

Other ways to preserve your EV’s battery power include parking the car inside, and if that is not possible, draping a cover over it.

Do you still warm up your car on winter days?

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Understanding the Car Rental Reservation Process

There are plenty of reasons why you might need to reserve a rental car. Maybe you’re going on a trip for business or pleasure, could use some help with a move or need an extra set of wheels for a few days.

Understanding the reservation system before renting a car can help you avoid unexpected bumps in the road. You don’t want to start your journey getting frustrated that the rental isn’t ready yet or finding out you need additional paperwork.

To help smooth the way, we run through each step of the Hertz car rental process, from choosing the right vehicle to booking, pickup and drop-off.

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Making a Reservation With Hertz

It’s easy to make your reservation with Hertz. You can do it:

  • In person at a Hertz counter.
  • Over the phone.
  • Online.

Each step is straightforward. And don’t worry if you need help when booking online just call Hertz and a representative will talk you through it.

When you reserve a rental car, start by selecting a pickup point. This could be in another city, state or even country. You’ll also need to designate the date and approximate pickup time. Then, put in your drop-off date and time and note if the location is the same as the pickup point.

From there, you will be able to choose the type of car to book, according to your needs. You’ll also be able to decide whether you want to prepay for the rental before you arrive or at the pickup location before you get the keys.

Picking Up Your Hertz Rental Car

When you arrive at the Hertz counter or branch to pick up your car, there are a few things you should know to make your experience as quick and stress-free as possible.

Make sure you arrive with all the relevant information you’ll need:

  • Your booking confirmation.
  • Your ID.
  • Your credit card.

The customer service advisor will need to see your driver’s license and credit card to make sure everything matches the booking.

Please turn up for your reservation on time. This ensures you’ll get everything you need within your slot, giving you enough time to ask questions, check your booking and identify any issues.

When picking up the car, it’s a good idea to check over the rental agreement before you sign and ask questions about any additional optional services offered, such as prepaid toll passes or prepaid fuel cards to get you around. It’s also recommended to walk around the vehicle and take note of any existing scratches or small dents. If you do find something, make sure it’s photographed and properly documented by the customer service advisor before you drive away.

Returning Your Hertz Rental Car

Your trip is over and now back to reality. First things first, handing back the rental car. Before returning your vehicle to the Hertz branch or counter, it’s courteous to fill up the gas tank for the next customer.

Bring your vehicle to the agreed location, allowing plenty of time for traffic and end-of-rental checks. Any applicable fees or additional charges will be confirmed at this time. Once all the paperwork is done and the car has been checked, you’re good to go.

Understanding Hertz’s Reservation Policies

When you book your rental, you will get a copy of the reservation policies. These include how to change or cancel your booking, how to pay or get a receipt/invoice and what to do if you need a refund.

Any changes or cancellations can be done through your profile on the Hertz website. If you wish to change the card you’ll be using to pay for your reservation, the booking will need to be canceled and re-booked. Please try to cancel at least 48 hours before to receive a full refund.

Any refunds will be made within five to 10 working days back into the account for the card on file.  

Hertz Car Rental Reservation FAQ

Can I rent a car for someone else?

No, the primary driver and booking contact needs to be the person who will be picking up and paying for the car. You can add additional drivers if you need to in person.

Can you cancel a rental car reservation?

Yes. If you no longer need the car or want to rebook with a different card, please do so at least 48 hours before pickup. Cancellation fees may be incurred if less than 48 hours notice is given.

Is it better to reserve a rental car in advance?

Yes, advance booking ensure you’ll get the car you want, when you want it. It is always better to be safe than sorry.

When is the best time to reserve a rental car?

If possible, try not to reserve a car first thing in the morning or just before the branch closes. Mid-morning or mid-afternoon are recommended.

Are car rental reservations guaranteed?

The make and model of the car booked are not guaranteed, but a similar style will be provided.

Can a car rental company cancel your reservation?

Hertz will not cancel your rental car reservation; however, cancellation fees, late fees and no-show fees will be charged accordingly.

Ready to reserve your car? AAA members can save up to 20% on Hertz rentals.
Originally published on Hertz.com.

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The Black Pioneers of the Automotive Industry

Like nearly any other aspect of America’s past, countless names have been lost or forgotten through the years of the automotive industry’s history. More often than not, those names belong to people of color. Black pioneers have made innumerable contributions to the car world. Here are six trailblazers that steered the industry — and society as a whole — in the right direction.

McKinley Thompson Jr.

Ford’s first Black automobile designer.

One day in 1934, while walking home from school in his hometown of Queens, N.Y., McKinley Thompson Jr. spotted a silver-grey Chrysler DeSoto Airflow. Although he was just 12 years old at the time, Thompson’s life was forever changed. “There were patchy clouds in the sky, and it just so happened that the clouds opened up for the sunshine to come through. It lit that car up like a searchlight,” he later told the Henry Ford Museum. “I was never so impressed with anything in all my life. I knew [then] that that’s what I wanted to do in life — I want[ed] to be an automobile designer.”

In the early 1950s, after serving in the Army Signal Corps in World War II, Thompson entered and won a design contest in Motor Trend magazine. His prize was a scholarship to the ArtCenter College of Design. After school, he went to work for Ford’s advanced design studio in Dearborn, Mich. With that, Thompson made history by becoming the first African American automobile designer.

One of Thompson’s first projects was contributing sketches for the Ford Mustang. His most notable contribution, however, came in 1963 when he and other Ford designers conceptualized the Ford Bronco. According to the automaker, Thompson’s work “influenced the design language that would become iconic attributes of the first-generation Bronco.

“McKinley was a man who followed his dreams and wound up making history,” said Ford Bronco interior designer Christopher Young. “He not only broke through the color barrier in the world of automotive design, he helped create some of the most iconic consumer products ever — from the Ford Mustang, Thunderbird and Bronco — designs that are not only timeless but have been studied by generations of designers.”

Garrett Morgan

Invented the three-position traffic signal. 

Born in Kentucky in 1877, Garrett Morgan would go on to become one of the great inventors of his time. By the 1920s he already had several inventions under his belt, including hair refiner and an early version of the gas mask.

Morgan’s success allowed him to own an automobile (reportedly the first African American in Cleveland to do so). After witnessing a terrible accident at an intersection, an idea was sparked.

Traffic signals had already been invented but they only consisted of two signals: “Go” and “Stop.” The problem was that drivers never knew when the signal was going to switch. This caused cars to stop abruptly or still be in the intersection when vehicles traveling in other directions began to move.

(Courtesy of the Western Reserve Historical Society)

To solve this, Morgan invented a T-shaped traffic signal that had a third, “caution” signal, essentially a yellow light. When the “caution” signal was on, traffic in all directions stopped and intersections would clear. On Nov. 20, 1923, Morgan was awarded a patent for a three-position traffic signal. His original traffic signal prototype is on display at the Smithsonian’s Museum of American History.

Aside from his technical contributions to society, Morgan was a pillar in Cleveland’s African American community. He founded the Cleveland Call, one of the most important African American newspapers in the country, and was a leader in the city’s NAACP chapter.

C.R. Patterson

Founded a company that would become the first African American-owned automobile manufacturer.

C.R. Patterson was born a slave in Virginia in 1833 but later escaped to settle in Ohio.

Patterson learned blacksmithing and worked for a carriage maker before co-founding his own business in 1873. For the next 20 years, the company ran a successful business making expertly crafted horse-drawn carriages.

In 1893, Patterson bought out his partner and formed C.R. Patterson & Sons. When he died in 1910, his son Fredrick took over the flourishing business as the transportation business was revolutionizing. The younger Patterson began noticing an influx of “horseless carriages” on the roads and knew that automobiles were the future. C.R. Patterson & Sons produced its first car in 1915. Known as the Patterson-Greenfield automobile, it sold for $850.

Patterson & Sons quickly established itself as legitimate auto manufacturer. According to the Historic Vehicle Association, the Patterson-Greenfield model was comparable in quality and workmanship to the Ford Model T.

There are no known Patterson-Greenfield automobiles in existence today, but several C.R. Patterson & Sons Company carriages have survived. The National Museum of African American History & Culture states that Patterson & Sons remains the only African American-owned automobile company in United States history,

Charlie Wiggins

Became one of the country’s great race car drivers, despite being barred from the Indy 500.

Born in 1897, Charlie Wiggins became an expert mechanic after apprenticing at a local automobile repair shop in his native Evansville, Ind. In 1922, he moved to Indianapolis, opened his own shop and built a race car out of nothing but junkyard parts. Nicknamed the “Wiggins Special,” it was his dream to drive the car in racing’s greatest event: the Indianapolis 500. But Wiggins was denied entry because of his skin color.

Undeterred, he and several other African American drivers formed their own racing league called the Colored Speedway Association. Wiggins’ exceptional driving and top-notch cars lead him to many victories, earning him the nickname the “Negro Speed King.”

The highlight of the Colored Speedway Association circuit was the annual 100-mile Gold and Glory Sweepstakes. According to the Historic Vehicle Association, the race’s 1924 debut drew a crowd of 12,000 — the largest sporting event held for African Americans up to that point. Over the next decade, Wiggins would win three sweepstakes championships.

In 1934, driver Bill Cummings hired Wiggins to tune his car for the Indy 500. Road & Track reported that Wiggins posed as a janitor in order to elude Jim Crow laws. Thanks to Wiggins, Cummings won the Indianapolis 500 and set a track record.

Wendell Scott

Broke NASCAR’s color barrier.

Wendell Oliver Scott was born in Danville, Va., in 1921. He learned about cars from his auto-mechanic father. His first job was driving a taxi before he started running moonshine whiskey, which required him to drive fast in order to evade the police.

At the time, Danville’s racing scene was struggling with attendance. Owners thought recruiting an African American driver would help fill seats. They asked the local police for the fastest driver in town and in 1952, Scott became the first African American to compete in an official stock car race. He would go on to win 120 races in lower divisions, while continually being denied entry into NASCAR because of his race.

Then, in 1961, Scott was able to take over the auto-racing license of white NASCAR driver Mike Poston. He was officially a member of NASCAR’s top-level Grand National circuit – the first African American to do so. Just two years later, Scott became the first Black driver to win a NASCAR premier series event with a victory at the 100-mile race at Speedway Park in Jacksonville, Fla.

By the end of career in 1973, Scott had accumulated 20 top-five finishes. The NASCAR Hall of Fame, into which Scott was inducted in 2015, lists his 495 starts 32nd on the all-time list.

Scott passed away in 1990. It would be another 23 years before a second African American, Bubba Wallace, won a NASCAR race, a full half-century after Scott accomplished the feat.

Leonard Miller

The first African American team owner to enter a car in the Indianapolis 500 and win a race in NASCAR. 

Growing up outside of Philadelphia in the 1930s, Leonard Miller was introduced to automobiles at a young age through his mother, who worked as a housekeeper. “All of these rich, white families had all these rare cars that were beautiful and sounded good,” Miller told Smithsonian Magazine. “So, I said that was for me. And that’s what started me off to a lifetime of races.”

He would go on to pave the way for African Americans in the world of auto racing. It began when he formed Miller Brothers Racing, which won dozens of races throughout the Northeast from 1969 to 1971.

In 1972, he became the first African American owner to enter a car in the Indianapolis 500. Miller’s team was also the first Black professional race team to have a national sponsorship and to enter a Black driver in competition in England.

During this time, Miller also created the Black American Racers Association with, among others, Wendell Scott. The group promoted driver development and honored African Americans in auto racing. At its height, it included 5,000 members from 20 states and several racing disciplines.

With the help of his son, the automotive pioneer later founded NASCAR’s Miller Racing Group. The team won many races through the 1990s and early aughts. In fact, the father-son duo became the first African American team owners to win a track championship in NASCAR history with a victory at Virginia’s Old Dominion Speedway in 2005.

Miller was inducted into the Black Athletes Hall of Fame in 1973. Many of his awards, trophies and other memorabilia are currently housed at the Smithsonian Institute.

Homer B. Roberts

The first Black car dealer. 

Homer B. Roberts was the first African American car dealer in the country but his greatest achievement occurred far away from the dealership. A veteran of World War I, Roberts was the first Black man to attain the rank of lieutenant in the United States Army Signal Corps.

Following the war, Roberts moved back to his native Kansas City and began selling cars. He specifically targeted the African American community. In 1919, he put his first ad, for seven used cars in the Kansas City Star, the prominent local Black newspaper. By the end of the year, he had closed 60 sales – all to Black drivers.

In the following years, business continued to grow. Roberts opened offices and showrooms and hired salesmen. In 1923, he opened a brand-new dealership named Roberts Company Motor Mart. Smaller automobile manufacturers saw potential in the African American market and backed his business. This helped Roberts land franchises with Hupmobile, Rickenbacker and Oldsmobile.

Hit hard by the Depression, the dealership closed in 1929 — but not before Roberts had etched his name in history.

What other Black pioneers in the automotive do you know about? Tell us in the comments below!

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

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Is AAA Worth It?

Is a AAA membership worth it? For generations, members have sworn by the peace mind that AAA Roadside Assistance provides, but there are even more perks and services that can make your annual membership worthwhile.

How Much Is AAA Membership?

Basic membership starts as low as $4.30 per month with a one-time $15 enrollment fee. Plus and Premier memberships go up incrementally (as do the perks), but even the highest level of membership is never more than $14 a month.

Teen drivers in your home between the ages of 16 and 19 can receive a free Associate membership for one year. Family members ages 20 and up are eligible for the same offer.

Don’t have a car but still want to enjoy AAA membership benefits? AAA Everyday membership gives you everything but roadside assistance for just $2.50 a month.

Learn more about AAA membership cost.

AAA Membership Benefits

is aaa worth it

Roadside and Automotive Perks

AAA Roadside Assistance may be more comprehensive than what you can get from a dealership or your insurance company. Your AAA membership will cover you in any car that you are driving or riding in. And the perks don’t end at the roadside.

AAA Battery Service can get you back on the road in a hurry. Technicians provide on-site battery testing and replacement wherever you are. Batteries come with a three-year warranty and members get a $25 discount.

If you run out of gas, AAA will deliver fuel.

For car repairs and maintenance, visit your nearest AAA Approved Auto Repair facility. Members can save up to $75 per visit — that pays for your membership!

is aaa worth it
AAA Manhattan branch. Photo by Adam Glanzman.

Branch Services

From passport photos to foreign currency exchange, there’s a lot your can do at your local AAA branch.

Select locations even offer DMV and RMV services. Make an appointment to renew your driver’s license or registration and take advantage of other offerings.

In the branch or online, you can also book your next vacation with a AAA travel advisor. These travel pros have been around the world, are experts at planning trips and will work to find you the best deals and exclusive member savings. It’s a free service with your membership, so take advantage!

Find a AAA Northeast branch near you.

Insurance and Financial Services

AAA has policies for all of your insurance needs: Not just for auto, home and life, but also for jewelry, pets, small businesses and even classic cars. Members can save an average of $506 on car insurance over other plans. Sleep well knowing you have insurance for a special event or even an engagement ring. Agents will work with you to get you the best coverage at the best price.

Are you ready to buy a home or car? Or maybe you’re getting ready to pay for college tuition? Let AAA’s Financial Services team help you find the best loan or refinance an existing loan.

Members can call, chat online or meet with a counselor in a branch.

is aaa worth it

Discounts and Rewards

AAA members can enjoy exclusive savings on all of the services mentioned above, plus discounts on everything from entertainment and amusement parks to auto parts and restaurants.

Need a ride for your next road trip? AAA members get exclusive savings on Hertz car rentals.

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All AAA members get free identity theft monitoring from Experian with Protect My ID.

AAA safety programs, including defensive driving courses and free car seat installation demonstrations are available if you need them.

You can also work with AAA employees on projects in your community, such as beach cleanups and volunteering in a food pantry.

So, what do you think? Is a AAA membership worth it? If you are already a member, what are some of your favorite benefits? Tell us your AAA story in the comments below.

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Average Northeast Gasoline Prices Inch Down 

Nearly 70% of U.S. crude oil imports come from Canada and Mexico, with the bulk coming from Canada. Last week, domestic refiners imported 3.7 million barrels of oil a day from Canada — more than half the 6.4 million barrels a day of total imports, according to the Energy Information Administration (EIA). While most American-made gasoline stays in the U.S. and is used by American consumers, refiners do rely on imports of crude to supplement production of gasoline and other refined products.  

Before the tariff announcement on Saturday, oil and gasoline prices were trending down, with domestic crude prices falling by 2.85% to end the week after the EIA reported inventory builds of both crude and gasoline. In the Northeast, gasoline supplies increased by 1.8 million barrels and similar inventory gains were reported across the rest of the country. 

“While tariffs can play a role in gas prices, they are one factor among many,” said Jillian Young, director of public relations for AAA Northeast. “Fluctuations in gas prices do depend on the price of crude oil, but also on supply and demand and other global events, so time will tell how much impact will be felt at the pump.” 

AAA Northeast’s Feb. 3 survey of fuel prices found the current national average down 3 cents from last week ($3.12), averaging $3.09 gallon. Today’s national average price is 3 cents higher than a month ago ($3.06) and 6 cents lower than this day last year ($3.15). 

Region Current Price* One Week Ago One Month Ago One Year Ago 
Connecticut $3.08 $3.09 $3.02 $3.21 
Massachusetts $3.02 $3.03 $3.01 $3.15 
New Jersey $3.06 $3.09 $2.93 $3.15 
New York $3.16 $3.17 $3.12 $3.27 
Rhode Island $3 $3 $2.93 $3.10 

*Prices as of Feb.3, 2025 

As of Feb. 3, Mississippi and Oklahoma have the lowest prices in the nation at $2.67 and $2.68 respectively. Hawaii and California hold the highest prices in the nation this week at $4.54 and $4.47, respectively.  

The AAA Gas Prices website is your resource for up-to-date fuel price information. Search for average gas prices on national, state and metro levels by regular, plus, premium and diesel.  

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What Is Black Ice?

While the winter season can bring beauty in the form of fluffy snow and glittering ice, it can also bring hazards. Around your home and while you’re driving, winter precipitation poses potential dangers like black ice, which can cause slips, slides and spills on walkways, driveways and the road. Learn more about this risk and how to stay safe when the weather forecast calls for slippery conditions.

What Is Black Ice?

Despite its name, black ice is actually clear. It’s often compared to a “glaze” and can form on all kinds of surfaces, especially roads, sidewalks and driveways.

Since black ice is transparent, it coats and blends into whatever it covers, and that’s part of what makes it so dangerous. Black ice is also extremely slippery and has several causes, including freezing rain and the melting and re-freezing of ice and snow.

How Does Black Ice Form?

If roadways are wet and the temperature drops below 32 degrees Fahrenheit, black ice can form. Another cause is when “moisture in the air condenses and forms dew or fog, and then the temperature drops below freezing,” according to The Weather Channel. Sometimes, black ice occurs on highways when the heat of tires on the asphalt mixes with freezing conditions.

Keeping an eye on weather reports is a must in the winter, and investing in your own thermometer isn’t a bad idea either.

Where Does Black Ice Form? 

Black ice can form almost anywhere under the right conditions, but some places are more likely to freeze this way compared to others.

“Bridges and overpasses are prone to black ice because cold air is able to flow underneath the road surface, since it is elevated, therefore lowering the pavement temperature,” The Weather Channel explains. “Shaded spots on the road are prone [too,] since they receive less warmth from the sun during the day.”

The roads beneath overpasses and at the bottoms of hills are other common places. Black ice also forms more often during early morning and at night, when there’s no sun and the temperatures tend to be colder.

Around the house, paved driveways and shaded walkways are susceptible to black ice.

How to Recognize Black Ice

One of the most dangerous aspects of black ice —  besides being so slick —  is that it’s difficult to see. While black ice can sometimes be seen in certain lighting, most of the time, it’s practically invisible. When conditions are slippery, be especially mindful of your surroundings and what is coming up ahead. When the temperature is low, glossy surfaces could potentially mean black ice. Whether you are in the car or on foot, slow down.

what is black ice

Black Ice Protection

Winter can bring many hazards, like damaging winds and heavy snow. To protect your home and vehicles this winter, make sure your insurance policies are up to date. When it comes to car accidents or slips and falls where you’re responsible for personal injury to someone else, these policies should cover you.

“However, unlike the cost of repairing your car, [personal] damages can be much larger,” said Jodi DeSantis, AAA Northeast’s vice president of insurance sales. “That’s why we typically advise our members to consider an umbrella policy that provides additional liability coverage in excess of the coverage provided in someone’s auto or home policy.”

When considering an umbrella policy, there are often coverage limits that need to be met on your policies. Your insurance agent can help you sort out the details.

What to Do in the Car

If the temperature is at or below freezing, try to avoid driving if you can. If you have to be on the road when it’s icy, keep these tips in mind.

Let Your Car Warm Up 

Today’s vehicles only need a minute or two to warm up in cold weather. “Unnecessary engine idling wastes fuel, pollutes the air and only warms the engine —  not the other mechanical parts of the car,” says John Paul, AAA Car Doctor. It’s best to go easy on the gas until you start to feel heat coming from the vents.

Improve Visibility

Clear your windshield and windows of snow, ice and fog for the best visibility possible.

For your own safety and the consideration of others on the road, it is smart (not to mention against the law in every Northeast state not to) remove snow or debris from your car before driving.

Check Your Tires 

Checking the tread on your tires is important, since worn tread will have less traction. Paul advises using a quarter to measure tread. “If the tread depth isn’t up to Washington’s head, the tires should be replaced.” He also suggests winter tires for the best traction. “Tires are the only part of your car that touches the road, so you want them to be in good shape.”

Keeping your car in good shape is one of the most important things you can do to stay safe on the road.

AAA members can save on automotive replacement parts and accessories at NAPA stores.

Leave Extra Time and Space

Leave yourself a little extra time and drive slower than normal during winter journeys. While you should never tailgate, leave ample room between you and other cars when road conditions are slippery. This will give you more time to react to sudden changes in traffic.

What to Do at Home

Preparing your home and property before a snowstorm can save you time, energy and give you peace of mind. Before winter precipitation arrives, make sure gutters and drains are unblocked. This way, melting snow and ice will have a place to go.

In addition to shoveling or snow blowing, one trick is to lay out a sturdy cloth or tarp before the snow or ice comes. You can cover your car, porch, stairs, walkways, etc. and then simply remove the snow-covered cloth or tarp when it’s time to leave the house.

If snow has already fallen, clear the driveway and walkways so the sun can dry away any moisture. If the weather reports are calling for snow, ice or a wintry mix – with no sunshine to be found – consider using an ice melt.

There are lots of snow and ice melt options out there, but you should use them with caution. Some are harmful to pets and the environment and can damage grass, plants and walkways. Though they all have pros and cons, try not to over-salt regardless of which deicer you choose.

If you would like to add some extra grit to your driveway or walkway, you can sprinkle fine gravel, sand, cat litter, coffee grinds and/or wood ash.

Winter can be a divisive topic — people either love it or hate it. Regardless of your sentiment toward the season, you can feel more prepared by being proactive, protecting your assets and staying informed.

Do you have a story about an encounter with black ice? Share it with us in the comments.

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

 

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Gen Z Travel Trends

Gen Zers are taking to the skies and roads, and they’re on a mission. These travelers (technically ages 12-27 but realistically those who are college age or older) use their personal interests to define their destination wish lists. So, they seek shorter spurts of travel, pursuing self-care, sustainability and local culture, while maximizing their financial budget.

Cady DeBlois, a AAA Northeast travel advisor, helps customers research and book their vacations after they’ve submitted an online inquiry. This is a key tool for Generation Z travelers who have grown up with computers and social media at their fingertips and who need inspiration or more information on a destination, she said, and to book airfare, accommodations and activities.

These are her top Gen Z travel trends and tips for those who want to escape for a little R & R.

Nurturing Self-Care

A lot of Gen Z travel is focused on self-care, mental health and wellness. “Their vacations will be geared toward a spa type of resort or a relaxing getaway, not as much of a party scene,” DeBois said. “For example, Cancun, Mexico. It has the reputation of this big crazy party resort. But a lot of Gen Z … would rather go to Cancun and explore the rain forest areas or stay in a resort that’s eco-friendly and do an excursion to save sea turtles, or something like that. So, it’s a lot more laid back.”

Gen Z travelers are focused on learning about and being immersed in the culture and natural surroundings of their travel destination, rather than lounging on a beach all day. It’s in these moments they find quaint local restaurants and hidden walking trails with a view, a small neighborhood museum, bookstore or cafe, and time to relish in a massage.

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Being Flexible

Flexibility and their willingness to adjust their timing is another character trait of Gen Z, and one that benefits them when it comes time to book travel. “They say, ‘I want to go away, maybe I can go anytime. What is the cheapest day that I could fly out? What is the cheapest length of stay?’” DeBlois said. “I think because they’re so flexible, they are just looking for the best value.”

Budget-Conscious Planning

Gen Z travelers are typically stricter with travel spending and expect their dollar to go further. So, they identify their budget first, which determines how far afield they can voyage, as well as their method of travel, whether plane, train or car. Based on those stipulations, they pinpoint how much time they’ll take and what they want to experience while there, she said.

Many Gen Zers book last-minute trips expecting to get a good deal, but there is limited inventory at that point, DeBlois cautions. If traveling to Europe or Greece, for example, the only airfare available on short notice will be undesirable seats or departure times, which gobble up the budget and force the rest of the trip onto a shoestring. DeBlois suggest planning in advance as best as possible, even for shorter trips.

“A lot more of Gen Z is taking multiple three- to four-night trips throughout the year instead of saving up and going away for a full week,” DeBlois said, because this can be more budget-friendly and easier to plan. “They’re just looking for the best deal.”

gen z travel

Social Media-Inspired but Realistic

One of the biggest barriers for this TikTok generation is seeing destinations on social media that are promoted by an influencer who may have received complimentary accommodations or food — or both. When they realize how much money it actually costs to stay at the five-star resort that the influencer is endorsing, it can be either disappointing if they can’t go, or a huge upset to their finances.

DeBlois finds that Gen Z travelers would rather go where they can afford than stretch themselves too thin.

“At the end of the day, they just want to get away and take a break from their 9-to-5. They don’t want to go into debt to travel,” she said.

Trip Recommendations

“London, Ireland, Iceland — Italy is always huge. Greece is always huge, so that is going to be the splurge just because of the cost of airfare,” DeBlois said. “Another destination that has really been taking off lately is Canada. Specifically, the Banff area near Edmonton, in Alberta. That’s definitely an Instagram-worthy destination. Even Quebec is beautiful. And it’s close enough that from here, you can drive so that’s another way to cut costs.”

For more generation travel trends, check out our article, “How Millennials Like to Travel.

Plan your next vacation with a AAA travel advisor. It’s a free service included with your membership, so take advantage!

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Sweet AAA Discounts on Valentine’s Day Gifts

Can’t find something special enough for your special someone? Don’t worry! We’ve rounded up the most romantic Valentine’s Day gift ideas for you to choose from with AAA Discounts.

1-800-Flowers.com

Flowers are a classic way to show someone you care on Valentine’s Day. 1-800-Flowers.com has an entire section of bouquets for such an occasion, titled “Love and Romance.” You can choose from bountiful bouquets of red roses, romantic messages in bottles, elegant orchids, pink lilies and more. Add your own message to make it extra romantic.

AAA members can save at AAA.com/1800flowers. Now through 2/14, you can save up to 30% on flowers and gifts.

Audible

Looking for the perfect gift for the bookworm in your life? Audible is the leading provider of audiobooks, featuring an expansive variety of titles for every kind of reader. The gift of an Audible membership will ensure your giftee gets all the audio storytelling they crave.

AAA members can get a two-month free trial at Audible, plus two free bestsellers or new releases and unlimited access to thousands of included titles.

AAA Tickets

Sometimes the best gift is the gift of a new experience. It’s also a great opportunity to spend some quality time together with your loved one. Get savings of up to 40% at concerts, theme parks, virtual events, museums, attractions and more!

Get exclusive tickets and savings.

HP

If you want to get your sweetheart the gift of new tech, HP has something for everyone. Look into HP’s Elite laptops and desktops for business-ready performance. If you’re looking for something a little more lightweight and flexible, check out the HP Pavilion. For everyday use, an Envy laptop is a great choice for casual PC users.

Save big on your next HP purchase.

Personalization Mall

Whether you’re shopping for someone who has it all or someone who just appreciates a personal touch, Personalization Mall is the place to find a one-of-a-kind gift. Everything on Personalization Mall can be customized with the giftee’s name, family name or even nickname. Some even have options for including a personal photo. You can get almost any kind of gift, like stuffed animals, kitchenware, wall art, blankets, jewelry boxes, the jewelry that goes in those boxes and so much more.

AAA members can save 20% when shopping online.

Plants.com

Want your gift to stick around a little longer than cut flowers? Plants.com collaborates with growers around the country to offer a healthy selection of live, beautiful plants that will instantly brighten up any space.

AAA members can save 25%.

Samsung

You can get premium gadgets and appliances without breaking the bank by utilizing Samsung’s special discount for AAA members. At the exclusive online store for AAA members, your discount will automatically be applied as you shop, and you’ll be able to see all your deals in one place. You’ll also get access to limited-time offers on phones, TVs, computers and home appliances.

Start shopping and saving.

Shari’s Berries

One of Valentine’s Day’s most decadent treats is the chocolate-covered strawberry. With Shari’s Berries, the strawberries will come to you. Their selection of Valentine’s Day treats includes a wide assortment of chocolate-covered strawberries, edible fruit bouquets and more.

AAA members can save at AAA.com/SharisBerries.

Shutterfly

Are all your pictures together trapped on your phone? Shutterfly can help you turn your photos into keepsakes like photo books, prints, wall art, calendars, notecards and more. It’s an easy way to make sure you can hang onto your most treasured memories.

AAA members can get a free photo book, plus free shipping on orders over $59.

What’s the best gift you’ve ever received for Valentine’s Day? Let us know in the comments below!

Looking for even more savings? Go to AAA Discounts to save on tickets, gifts, everyday items and more.

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Hosting a Party for the Big Game? Read This First!

The big game is on the horizon and you’re getting ready to host friends and family to cheer on your favorite team. You’ve wiped the fingerprints from your television screen, gone shopping for snacks and started working on your three-bean dip. But have you thought about safety?

If you’re having a game day party at your house this year, keep these home insurance tips in mind.

Keep an eye on your guests.  

If you’re planning to serve alcohol to your guests, keep an eye on how much they’re drinking. It is of the utmost importance that no one who has overindulged winds up behind the wheel. If someone does overdo it, make sure that they go home with a designated driver, call a taxi or hire a ride-sharing service to get them home safely.

Fans don’t let fans drive drunk.

Keep the food prep safe.

Watch open flames on the stove and grill, and make sure they’re clean from residue before you start cooking. Have a fire extinguisher on hand in case things get out of control.

Make sure you’re storing and cooking foods at the appropriate temperatures to minimize the risk of food poisoning, and always wash your hands before and after handling food.

Ask guests beforehand if they have any serious food allergies. If so, you might want to rethink the bowl of peanuts.

Minimize falling hazards.

Before the party, make sure that the paths leading up to your house are clear of ice and other debris, so that even in the dark they can be traversed safely. Inside the house, clean up any spills as soon as possible so that nobody slips and falls.

Whenever hosting a large event, you might want to consider event insurance.

Look into umbrella coverage.

While your existing homeowners insurance policy will protect you from liability losses in some situations, you might need some additional coverage. Umbrella coverage, also known as a personal liability policy, provides extra protection for the big game and beyond.

Learn more about your homeowners insurance coverage options.

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Must-Check Defect Checklist for a New House

You spent months finding the home of your dreams, you put in your offer and it was accepted — but it’s not time to celebrate just yet. Before you close the deal, you need to know exactly what you’re signing up for. No house is perfect, but some defects are more costly than others to fix. Armed with the results from a defect checklist for a new house, you may be able to negotiate a lower price.

A thorough home inspection enables the buyer to have a realistic understanding of the impact of what they are getting themselves into in terms of insurability, too, according to Jodi DeSantis, vice president of insurance sales for AAA Northeast. “It might look like it’s full of character [to you], but that’s not how insurance companies might look at it.”

“Unless you are paying cash for the property, your lien holder will require you to have insurance in place before they release the money to you,” adds DeSantis. Most insurance companies have some sort of inspection requirement from an exterior inspection to an actual walk-through of the home. “The insurance company inspector probably isn’t going to pull out a ladder to climb on your roof or get into the crawlspace,” says DeSantis. “But the inspector that the homeowner hires should actually be doing that.”

A pre-purchased home inspection should be performed by a licensed professional and is meant to inform prospective homeowners about the condition of the house. Don’t make the mistake of assuming the seller is going to repair everything — or anything — the inspector finds. It is also not the inspector’s job to advise you as to whether or not you should purchase the home; they report, you decide. Before choosing an inspector, be sure to do your homework and ask the right questions.

Defects to Look For  

To be sure all bases are covered by the professional home inspector’s investigation, your personal defect checklist for a new house should include the following.

Walls and ceilings

Be aware of cracks, holes, chips, wavy and uneven surfaces, missing plaster, fungus, water marks, lumps, bubbles, flaky paint, protruding nails, pipes and loose wiring.

Doors and windows

Check for damage such as missing screws or rust and gaps between door and window frames. Make sure they can be opened and closed easily and look for potential water damage due to improper installation.

Floor and tiles

Are there missing, cracked or chipped tiles? Tiles should not be slanting and there should be no gaps in the wall skirting.

Fixtures

Make sure all sinks and showers have fixtures. Ensure everything works and nothing is missing.

Pipes and plumbing

Check exposed pipes for leaks and be on the lookout for water stains on ceilings, which can signal a leak behind a wall. Low water pressure can also be a symptom of faulty plumbing.

Electricity and wiring

Look for wires without wire nuts and open junction boxes.

Drainage

Soggy areas in the yard and leaks in the basement can signal drainage issues.

Roof and gutters

Look for worn shingles and overgrown trees or landscaping that is encroaching on the roof or overhanging the structure. Basement dampness can be a sign of clogged gutters.

Foundation

Small cracks, sticking doors and windows can suggest foundation flaws.

circuit breaker

Potential Deal Breakers

The most common issues identified on a home inspection checklist are usually the easiest and least costly to address, according to the American Society of Home Inspectors; however, they may be an indication of bigger, pricier problems.

The roof needs replacing

Home Advisor data shows the national average for a roof replacement in 2025 ranges from $5,867 to $13,209.

The house is in a flood zone

Use FEMA’s flood maps to determine if the home is at a higher risk for flooding. Remember, flood insurance needs to be purchased separately from your regular homeowners policy.

Contact a AAA Insurance agent today to learn more.

Major foundation issues

Hire a structural engineer to determine if the cracks you spot are serious.

Aluminum wiring

This type of wiring almost always needs to be replaced. The process can cost thousands of dollars.

Once you have your home inspection report — essentially, a custom defect checklist for a new house — you can determine if negotiations with the seller are reasonable.

Some inspectors might estimate the remaining useful life of appliances or other systems for you (this is something to ask before you hire your inspector). You can also get your own repair and replacement bids from local contractors and home improvement stores. The more due diligence you commit to upfront, the happier you will be when you take ownership of your new home with your eyes wide open.

Learn more about AAA homeowners insurance. In the market for a new home? Get a mortgage with help from AAA.
Do you have any advice to add from your home buying experience? Share it in the comments.

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Crossword: Countdown to Valentine’s Day

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Fly and Drive: Road Trip Through Kentucky Horse Country

Well-known for horse racing and the Kentucky Derby, a road trip through Kentucky, from Shelbyville to Frankfort to Lexington, is the perfect way to immerse yourself in the state’s beautiful countryside and equine attractions. 

Get Up Close and Personal With the Horses

You’ll find many opportunities to visit with horses at the many horse farms between Shelbyville and Lexington. At Swallowland Farm in Shelbyville, you can visit the majestic Léttleiki Icelandics and even take riding lessons. Throughout the year, you also can visit to see the Icelandics in action during one of the competition shows.

In Eminence, say hello to a variety of thoroughbreds, including rescue horses and former racehorses, at West Meadow Farm. The farm offers tours, but make sure you reach out to schedule your visit before heading there.

Old Friends in Georgetown welcomes visitors to spend time with former racing champions including Triple Crown race winners Silver Charm, Big Brown, Tough Gold and others. Guided tours of the working farm are available year-round but must be booked in advance. Children younger than 10 are not permitted except on private tours.

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Explore Kentucky’s Horse History

At the Kentucky Horse Park in Lexington, you can take a deep dive into Kentucky’s relationship with the horse. Start at the International Museum of the Horse, which documents the history of the horse and its connection with humans through exhibits, artifacts, art and more. Next, head to the Hall of Champions, where you can meet some of the retired racing legends that call the park home. Then, down at the Breeds Barn, you can see and learn more about four to six different horse breeds during the Parade of Breeds Show. Of course, this barely scratches the surface of all there is to see and do here, so consider spending a day here to explore the entire park.

Get a Run for Your Money at Keeneland

You can’t come to Kentucky horse country and not see some horse races. At Keeneland in Lexington, you can catch thoroughbred racing throughout the year. When planning your visit, make sure you arrive early so you’ll have time to see the horses take a spin around the walking ring at the Paddock before the race starts. Then, head inside where you can place your bets, if you choose, before grabbing a seat to take in the action. If there are no races taking place during your visit, you can still sign up for one of the available tours of the grounds.

kentucky horse country

Where to Eat

The culinary scene in Kentucky’s horse country also can’t be missed. At Dos Mundos in Shelbyville, you can sample Peruvian and Asian fusion; think fried corn ribs and arroz chaufa, Peruvian-style fried rice topped with a spicy garlic chili oil fried egg and your choice of protein. At Fava’s 1910 Diner in Georgetown, you have to try the traditional Kentucky Hot Brown —  Texas toast with sliced ham and turkey, covered with homemade cheese gravy, topped with bacon and tomato and baked until golden brown.

In Versailles, at The Kentucky Castle, order the black cherry grilled cheese, which marries Broadbent smoked bacon with gruyere cheese and black cherry jam on sourdough bread.

For a special treat, head to the Rebecca Ruth Chocolates factory in Frankfort. During the tour, you will hear how this family business started and how Ruth Booe kept the business going and sample the original Bourbon Ball chocolate. Once the tour is over, stop in the gift shop to pick up a box of your favorite sweets to take home.

Where to Stay

For an affordable and convenient home base during your trip, check into The St. Clair in downtown Frankfort. Housed in a historic building, the boutique property features a variety of guest rooms and suites with full kitchens or a kitchenette, so you have all the comforts of home. The property is located above the Howser Tavern, where you can enjoy your favorite drink and a bite before heading up to your room. There’s even a speakeasy if you know where to look.

Exploring Kentucky’s horse country is sure to be a trip to remember.

Plan your trip with a AAA travel advisor and rent your car with Hertz. AAA members can save up to 20% on Hertz rentals.

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Crossword: Trains

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Is It Illegal to Hang Things From Your Rearview Mirror?

Among the perks of getting your own car is the chance to personalize it — with ducks, graduation tassels, fuzzy dice or even just a scented pine tree dangling from the rearview mirror.

Well, you may have to curb that decorative urge, depending on what state you live in. At least nine of the 50 states prohibit hanging items from a car’s rearview mirror, although both awareness and enforcement of the laws vary.

The states where it is illegal to hang things from your rearview mirror:

  • Arizona
  • California
  • Colorado
  • Illinois
  • Minnesota
  • New Jersey
  • New York
  • Pennsylvania
  • Texas
  • Virginia prohibits hanging any objects that obstruct the driver’s view. Florida also bans objects that block vision, but has certain exceptions, such as parking passes.

The main reason behind the prohibitions is to ensure drivers can look through the windshield unimpeded and are not distracted by the decorations. Another concern is preventing damage to the rearview mirror. Over time, hanging objects could weaken the glue holding the mirror in place.

The issue drew renewed attention during the COVID-19 pandemic, when people started hanging masks from rearview mirrors when they were not in use, prompting warnings about their potential to block a driver’s view.

Safety First

Any measures that improve driver safety are pluses, said Alec Slatky, managing director of public and government affairs for AAA Northeast.

“In general, the more visibility you have, the better,” Slatky noted. “Whether to spot a pedestrian, a deer or a pothole. If there’s something that’s obstructing your line of sight to the road, it’s probably better not to have it hanging.”

Consequences for drivers violating states’ laws include traffic citations and liability in the event of a crash in which it is determined that the driver’s vision was obstructed by a hanging object.

So, if you’re thinking of things you can hang from your car mirror — don’t. It may not be worth it.

Do you have anything hanging from your rearview mirror? Tell us in the comments.

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The Best Places to Visit in Mexico  

A Mexico vacation is more than just another tequila sunrise. While Cancun and the Riviera Maya are justly famous for relaxing all-inclusive resorts where sipping beachfront cocktails can be elevated to an all-day activity, the 90 miles of coastline between Isla Mujeres and Tulum also stirs the souls of travelers seeking Mayan history, adventure sports, abundant nature and Mexican culture.

Places to Visit in Mexico

Easy to reach and packed with an abundance of resort choices, Cancun is known for its high-rise hotels strung along a narrow strip of sand between a natural lagoon and the Caribbean Sea.

“My favorite area for a great beach vacation is Cancun’s Hotel Zone,” said Kimberly O’Flaherty, a AAA travel advisor and destination-wedding specialist. “Some people think it is still the ‘old’ Cancun, but it certainly has risen above the party atmosphere: Luxury is king now.”

Examples of high-end all-inclusive resorts that O’Flaherty says are great destinations for Cancun-bound travelers include the adults-only Live Aqua Cancun and Hyatt Zilara Cancun All Inclusive and the Hyatt Ziva Cancun, which welcomes families.

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Just north of Cancun is the growing but still laid-back resort area known as the Costa Mujeres (or Playa Mujeres), another destination for luxury beach stays.

“Costa Mujeres has some of the best calm beaches, and it is a short ferry ride to Isla Mujeres,” said O’Flaherty. “I think any catamaran tour that brings you there and lets you snorkel on the way is a ton of fun.”

Isla Mujeres stands apart for its relative isolation, safe and welcoming atmosphere and rich natural beauty.

“It’s a place to go swim with the whale sharks, and manta rays, too,” said O’Flaherty. “I suggest the Dreams Playa Mujeres and Secrets Playa Mujeres resort, depending on whether it is a family or adults traveling.” Staying in a smaller, mostly locally owned hotel on Isla Mujeres itself is another option.

Heading down the coast south of Cancun reveals another way to stay in the Mexican Caribbean: Vacationing on a pristine beach surrounded by dense jungle rather than other hotels.

Moon Palace Cancun is a AAA Four Diamond designated luxury family resort with a large water park. Another family-friendly choice is the Nickelodeon Hotels and Resorts Riviera Maya, just outside the growing beach community of Puerto Morelos.

The Mayakoba area includes a trio of the most luxe resorts in Mexico: the Rosewood Mayakoba and the AAA Five Diamond designated Banyan Tree Mayakoba and Fairmont Mayakoba, all clustered around golf courses and spas in an exclusive resort community.

best places to visit in mexico riviera maya
Playa del Carmen beach in Riviera Maya.

Mayakoba is a delightfully private Mexican vacation spot, yet also just a short drive to the shopping, dining and nightlife of Playa del Carmen. Browsing rare bottles of tequila and mescal at the shops along Fifth Avenue is a memorable experience, and Playa del Carmen also is the gateway for the 45-minute ferry ride to the island of Cozumel.

Mostly a destination for day-trippers and cruise ship visitors, Cozumel has a charming small town, San Miguel de Cozumel, but remains mostly undeveloped, making it popular with nature lovers as well as those who come to spend a day sunning on Playa Palancar Beach. Surrounded by the coral reefs of the Mesoamerican Barrier Reef — which runs the length of the Riviera Maya coastline — Cozumel also is a popular jumping-off point for dive tours.

Cozumel, like the mainland, is deeply pocketed with water-filled limestone caves called cenotes. Jade Cavern Cozumel is one of the island’s most popular tourist attractions. Cenotes are also part of the natural attractions at the Xcarat parks located in the Playa del Carmen area.

“For people who are into adventure, I suggest the Riviera Maya and Playa Del Carmen area,” said O’Flaherty. “A perfect place is the Hotel Xcaret Mexico, which includes entrance to all of the Xcaret parks.”

Built around an archaeological site of the same name, Xcaret is an ecological park offering the opportunity to swim in a cenote and on a river through a Mayan village, encounter dolphins and manatees, and enjoy a Mayan cultural show. Other parks include Xel-Ha, which features an underground river and water park, and Xplor with its 14 ziplines and ATV tours.

best places to visit in mexico tulum

Tulum trades high-energy for chill vibes. This small but rapidly growing coastal city was once known mostly for the ruins of a 13th century Mayan port town that once served the much larger city of Coba, located about 30 miles inland. In recent years, however, Tulum has emerged as the leading wellness destination in the Riviera Maya — first with small, toes-in-the-sand hotels, then later adding luxury boutique resorts with spas, yoga classes and other amenities.

Some Tulum hotels are on the beach, while others offer an in-town experience that allows visitors greater immersion in local culture than a stay at an all-inclusive resort.

“A visit to Tulum, Coba or both, and meeting with the Mayan people, is a must-do,” said O’Flaherty.

Plan your trip to Mexico with a AAA travel advisor. It’s a free service with your membership, so take advantage! Call 866-423-5585 to speak with an advisor today.

What is your favorite place to visit in Mexico? Tell us in the comments.

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Staying at the Cambria Hotel Philadelphia Downtown Center City

Your stay at the Cambria Hotel Philadelphia Downtown Center City starts with a big welcome by a 37-foot-tall statue of city founder William Penn. He is located straight ahead and merely steps from the property on his perch high above the top of Philadelphia’s City Hall.

The 15-story, 223-room Cambria Hotel is the perfect base for your discovery of Philly. The hotel is encircled by what makes the city great: historic attractions, dining, entertainment and shopping.

cambria philadelphia

The Vibe

Sitting along South Broad Street, also known as the Avenue of the Arts, this AAA Three Diamond designated hotel pays homage to The Sound of Philadelphia or Philadelphia Soul, a music genre dating back to the 1970s.

You’ll notice musical elements cleverly integrated into the design, starting with a golden spiral staircase dotted with music notes greeting you at the door and leading to the second-floor hotel lobby. In the lobby. you’ll see bongo drums as coffee tables, trumpets as light fixtures and artwork throughout the property with elements of music sheets, speakers and microphones. The hotel’s restaurant, the Treble & Bass Restaurant and Bar, continues the theme.

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The Rooms

Inside your large guest room, technology takes over with Bluetooth capability built into the bathroom mirror so you can continue with your own music while you get ready for a day of discovery. Other nice touches, such as complimentary Wi-Fi, refrigerator, microwave, Keurig coffee maker, 50-inch flat-screen TV and large window, add to your in-room experience.

Choose from king or two queen-size beds and even connecting rooms, making it a good choice for couples, friends or families traveling together. A large 24-hour fitness center is available if you want to work out during your stay.

cambria philadelphia

The Food

The Treble & Bass Restaurant in the hotel lobby offers a buffet breakfast on weekends and also some weekday mornings based on occupancy. The breakfast can be added as part of a breakfast-for-two package. Complimentary coffee is available at the bar all day, even if you don’t opt for the breakfast add-on. Also open for dinner and drinks, Treble & Bass features a casual American menu and craft cocktails. A second-floor terrace overlooks Broad Street.

Head up to the top of the hotel to Attico Rooftop Restaurant & Bar for skyline views of the city. This sophisticated space for those over 21 offers indoor and outdoor dining year-round. Friday and Saturday nights offer late-night DJ and bottle service. And Saturday and Sunday brunch is available for those traveling on the weekends.

For snacks, beverages and other quick grab-and-go items, including free coffee when Treble & Bass is closed, there is a nice-sized market available 24/7 near the front desk.

cambria philadelphia

Beyond the Hotel

If you drive to the Cambria Hotel Philadelphia Downtown Center City, drop off your car at the hotel’s valet parking and explore the city on foot or via rideshare. Your first stop should be neighboring City Hall to see the beauty of the building that took 30 years to build (from 1871 to 1901) and its 360-degree observation deck. Interior, exterior and tower tours are available.

Just beyond City Hall is the heart of Market Street shopping, including Macy’s and the Fashion District Philadelphia indoor mall. Reading Terminal Market is right there as well. Dating back to 1893 and with more than 80 merchants, this historic market is one of the oldest and largest in the U.S. While you are there, there are plenty of local foods to sample, from Philly cheesesteaks and DiNic’s Roast Pork to Hershel’s East Side Deli and Famous 4th Street Cookie Company.

See a show while you’re in town, whether it’s Broadway touring company, music or dance. The Academy of Music and Miller Theater are conveniently across the street from the hotel. The magnificent Kimmel Center for the Performing Arts is only one block away.

Along Benjamin Franklin Parkway, discover fascinating facts about science and more at The Franklin Institute, which was founded in 1824 and opened to the public in 1934. Then, spend some time visiting Philadelphia’s Historic District, located from the Delaware River to 7th Street and from Vine Street to Lombard Street; sights include Independence Hall, the Liberty Bell Center, the National Constitution Center, the Betsy Ross House and many others that offer a glimpse into our country’s fascinating past.

Book your stay at the Cambria Hotel Philadelphia Downtown Center City.

Where’s your favorite Philadelphia attraction? Share it with us in the comments.

All photos courtesy of Cambria Hotel Philadelphia Downtown Center City.

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Northeast Restaurants Celebrating Lunar New Year

Restaurants throughout the Northeast will be celebrating Lunar New Year with traditions, family and delicious cuisine. Superstitions, symbolism and festivities are at the forefront of one of the most popular Asian holidays around the world, and it all starts with food.

The lunar calendar is represented by 12 animals in the Chinese zodiac; 2025 is the Year of the Snake, which symbolizes harvest, spirituality and good fortune.

This year, the holiday starts on Jan. 29 and runs for two weeks.

Connecticut

Moli

Greenwich

Gather friends and family to enjoy the Spring Festival celebration at Moli where you’ll be treated to traditional Chinese dishes like dumplings, steamed buns and festive sweets for dessert and more. Taking place only on February 2, it’s recommended to book in advance.

Massachusetts

Myers + Chang

Boston

Myers + Chang, in Boston’s South End, has one of the most popular dim sum brunches. The eatery has a hip diner feel to it with a menu made up of Asian-infused comfort foods. With items like tea-smoked spareribs and crispy marinated tofu bao, this is a perfect Lunar New Year restaurant. They’ll be offering takeout and delivery, in addition to indoor dining.

New Hampshire

Lilac Blossom

Nashua

In business for over 40 years, Lilac Blossom is an old-school Chinese restaurant with two locations in Nashua. Run by husband-and-wife team Harry and Sophia Ku, Lilac Blossom’s popular dishes include General Tso’s chicken and Hunan spicy beef. Preordering your celebratory meal is encouraged.

New Jersey

Hunan Taste

Montclair and Denville

Enjoy your Lunar New Year feast at this local favorite. Family-owned since 1986, the menus at both Hunan Taste locations are similar, but the decor at the Montclair location is more modern compared to Denville’s traditional red and gold dragons and lanterns.

New York

MO Lounge

Mandarin Oriental New York

From January 28 through February 12, the AAA Five Diamond designated Mandarin Oriental is ringing in the Year of the Snake in all the right ways. Enjoy a curated menu from Chef Jaden Ngoi at the MO Lounge that features traditional dishes like chili lobster and pineapple cake. On January 31 at 3:30pm, catch a glimpse of the vibrant lion dancer performance.

The MaLa Project

Manhattan

The MaLa Project, a Chinese restaurant and hotspot in midtown Manhattan, offers a menu fit for celebration that includes seaweed fish fritters, coconut milk pudding, abalone, lotus root and so much more.

Leland Eating and Drinking House

Brooklyn

Usually offering Mediterranean cuisine and fresh baked bread, Leland will be overhauling its entire menu during the week of Jan 27 to Feb. 2 for Lunar New Year. Owner Randi Lee and Chef Delfin Jaranilla have curated a menu that features Asian dishes inspired by their childhood, like long noodles, chicken jook porridge and char siu pork shoulder. The in-house bakery Leland Baking House will be churning out favorites like almond cookies, steamed bao and sesame balls. At the end of the meal, guests can expect to receive lai see (red envelopes), a gift that symbolizes good luck and health and keeps the bad spirits away.

Rhode Island

Y Noodle and Bar

Providence

If you’d like to celebrate the New Year with lucky noodles, then Y Noodle and Bar is the right spot. It is said that noodles symbolize long life – the longer your noodle, the better. Order the classic ramen noodles and juicy soup dumplings with decadent add-ons like wagyu beef or truffles. One of the restaurant’s most buzzed-about dishes is its pork belly with cotton candy; braised for 12 hours, the dish is served with hot braising liquid on the side, so you can pour it over the cotton candy and watch it melt.

Cheng Du Taste

Providence

In the mood for something spicy? Cheng Du Taste specializes in Sichuan cuisine, which is known for its heat. The menu has a spice level scale of one to three next to each spicy dish. If you want to go bold, get the whole spicy fish, a three on the spice scale and a symbol of prosperity for the new year. For a milder option, try the shredded pork with garlic sauce.

How do you celebrate Lunar New Year? Tell us in the comments below.

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Ask An Agent: 5 Things Your Insurance Agent Wishes You Knew

When it comes to the insurance policies that cover your home, automobile and other valuables, there are things your insurance agent wishes you knew. These helpful bits make the insurance and claims process easier for everyone involved, especially you, the policyholder. It might even save you money or headaches down the line. Your insurance agent wants to make your life simpler. However, everyone has to be on the same page for this to happen.

Details Are Essential For Accuracy

“Oversharing is far better than undersharing when it comes to providing details to your agent,” says Ashley Kehew, insurance sales manager at AAA Northeast.

Insurance agents will ask you a lot of questions about your personal life because it helps them determine what kind of protection you need to adequately insure your family and property. “It’s so easy to get nervous thinking that every detail you provide is going to cost you more money in premium,” says Kehew, “but don’t forget — every detail unaccounted for is less money toward rebuilding your home in the event of a loss.”

Honesty is also the best policy if you’ve ever had legal trouble or a car accident. If so, tell your insurance agent. They won’t judge. They just need all the information to make the best decisions for you, and that includes the whole truth and nothing but the truth. It’s better to be honest now then pay for it later with a policy based on false information — or worse, a rejected claim that forces you to pay for expensive car or home repairs out of pocket.

Keep Your Agent Updated When Your Circumstances Change

If there’s a new teenage driver in your family, your insurance agent needs to know. Sure, adding a teen driver to an auto insurance policy can cost you money up front, but failing to do so could be even costlier if a claim is rejected and you are forced to pay for injuries or property damage your child caused behind the wheel.

In that same vein, if you’re about to close on your dream home the next town over, your insurance agent needs to know.

If you’re planning to remodel your kitchen with granite countertops or build a 25-meter heated in-ground pool, your insurance agent needs to know.

If you get married … well, you get the point.

A change in your life means a change in the kind of coverage you need to adequately protect your most expensive belongings. Talk to your insurance agent at least once a year to see if any of your insurance policies need to be updated.  That goes for anyone who recently started a job as a rideshare driver, pizza delivery person or any profession where you use your personal automobile for work, so you can make sure you would have adequate protection in the event of an accident.

insurance agent

There’s No One-Size-Fits-All Type of Plan

Because insurance coverage is based on personal needs, coverage can vary from customer to customer. What is best for a young family with three kids is not what is best for a single retired adult or an older couple who snowbirds in Florida. Someone who owns a house deep in rural upstate New York will have different needs than someone who lives in a Boston apartment.

Your insurance agent’s priority is helping manage everyday risk by offering tailored solutions. “We ask the right questions to create an individualized proposal with the coverages designed to protect our members in their greatest time of need,” says Raymond Mobile, insurance sales manager at AAA Northeast.

You Can Ask as Many Questions as You Want

Insurance policies have a lot of components, and you are not expected to know them all. If your insurance agent or policy uses an unfamiliar term — such as “endorsement” or “actual cash value” — do not be afraid to ask what it means. If you want to know why your policy is set up in a certain way, ask. A good insurance agent will answer your questions. As John Donovan, insurance sales manager at AAA Northeast puts it: “Our agents love to talk about insurance. Go on, talk to them!”

“Understanding the coverages on your insurance policy allows you to make informed decisions and ensures you’re adequately protected when it matters most,” says Kristen Sorrentino, insurance sales manager at AAA Northeast. “Asking questions helps clarify the details, uncover potential gaps, and gives you confidence that your coverage aligns with your needs and goals.”

Don’t forget to ask about discounts as well. Companies offer multiple discounts based on your driving history, how many cars you own, your AAA membership, your age and so much more. These discounts could save you a lot of money over the course of a year, let alone several years.

There Are Many Convenient Ways To Get in Touch With Your Agent

Have more questions? Need clarification on a line item in your policy? Need to add more coverage? There is more than one way you can get in touch with your agent for anything you need.

“Members are welcome to contact us in person at a local branch, by phone or email, but we also even have a live chat feature on our site where you can connect with an agent,” advises Kehew. “We know life gets busy and people need options, so whichever your preferred method is – we are here for you!”

Speak to a AAA insurance agent today or get a quote at AAA.com/Insurance.

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Cruising Continues to Surge; AAA Projects Third Straight Record Year

AAA projects 19 million Americans will embark on ocean cruises in 2025, a 4.5% increase over 2024, when 18.2 million Americans set sail. This year is expected to be the third straight year of record cruise passenger volume.

“The cruise industry has rebounded post-pandemic more strongly than other travel segments, with cruise demand growth exceeding hotel demand growth in the last two years,” said Jillian Young, director of public relations, AAA Northeast. “There’s a reason so many first-time cruise passengers become repeat cruisers. Cruises offer something for travelers of every age and provide a cost-effective, all-inclusive option that allows cruisers to enjoy meals, drinks and activities without worrying about additional expenses.”

In 2022, cruise volume rebounded to 84% of 2019’s level, then surged to a new high in 2023, nearly 20% above the pre-pandemic baseline. That number has continued to climb since, with 2025 projected to surpass 2019 by 34%.

Seeking Sunshine

Most U.S. cruise passengers (72%) are heading to the Caribbean, while 6% are taking Alaska cruises and 5% will cruise in the Mediterranean. The Caribbean’s dominance this year is on par with its pre-pandemic numbers in 2018 and 2019.

Shorter Caribbean cruises are rising in popularity. Even though most cruise itineraries are six to eight days, 18% of Caribbean cruise itineraries this year are 2 to 5 days, compared to only 2% in 2023.

The three busiest cruise ports in the world are in Florida: Miami, Port Canaveral and Fort Lauderdale are the busiest ports based on embarkation and debarkation. Miami landed the world’s largest cruise ship with the debut of Royal Caribbean’s Icon of the Seas last year, and this summer, Port Canaveral welcomes theIcon’s sister ship, the equally large Star of the Seas.

Cruise Forecast Methodology

In cooperation with AAA, Tourism Economics prepared the 2025 cruise forecast based on scheduled cruise itineraries covering virtually all major cruise vessels, the economic outlook and travel sector trends. This forecast relies on cruise-related analytics from Cruise IP (Tourism Economics’ proprietary database for the cruise industry), economic forecasts prepared by Oxford Economics and assumptions on the future path of the tourism industry.

In this analysis, U.S. cruise passenger volume refers to ocean cruises taken by U.S. residents. It includes cruises that depart from U.S. or international ports.

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