Americans consumed just 8.46 million barrels of gasoline a day last week, according to the Energy Information Administration (EIA). That’s a slight uptick of 37,000 barrels a day over the prior week, but still trailing 2024’s pace by roughly 200,000 barrels a day. Next week’s figures, which will include data encompassing the Easter holiday, will be closely watched by market participants to see if demand breaks out of the spring doldrums.
In a vacuum, pump prices might fall on the weak demand alone, but a decline in refinery runs and an uptick in crude oil prices last week acted as a counterbalance. Domestic refiners ran 74,000 fewer barrels a day of crude and feedstocks through their refineries last week, continuing a trend of lower output to reflect the weak demand trend. While the week-to-week decline in run rates was slight, output over the past few weeks is trending about 500,000 barrels a day below the comparable weeks of 2023 and 2024. As a result of the lower output, domestic inventories of gasoline fell by 2 million barrels, of which 800,000 barrels were shed in the Northeast. Still, regional supplies remain well above last year’s levels to the tune of about 6 million barrels.
“As demand has continued to stay soft, refiners have dialed back gasoline production to keep a floor beneath pump prices, which are the lowest for this time of year since 2021,” said Jillian Young, director of public relations for AAA Northeast. “Across the country, drivers are spending between 50 and 60 cents less per gallon than this time last year.”
AAA Northeast’s April 21 survey of fuel prices found the current national average down 3 cents from last week ($3.18), averaging $3.15 gallon. The national average price was 3 cents higher than a month ago ($3.12) and 52 cents lower than this day last year ($3.67).
Region
Current Price*
One Week Ago
One Month Ago
One Year Ago
Connecticut
$3.04
$3.05
$3
$3.69
Massachusetts
$2.95
$2.95
$2.95
$3.56
New Jersey
$2.96
$3
$2.94
$3.60
New York
$3.09
$3.10
$3.10
$3.68
Rhode Island
$2.94
$2.94
$2.92
$3.58
*Prices as of April 21, 2025
As of April 21, Mississippi and Tennessee had the lowest prices in the nation, at $2.68 and $2.70, respectively.California and Hawaii held the highest prices in the nation this week at $4.84 and $4.50, 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.
You’ve compared vehicles online and narrowed down the car options to those that suit your needs and budget. Now it’s time to find the best deal. Whether you’ve negotiated successfully in the past or never mastered the process, these tips on how to negotiate a new car price are worth reviewing. They can help you to avoid the nagging feeling that you paid way more than the next driver for the same vehicle.
Do Your Research
Most car shoppers dread haggling with a salesperson, but the negotiation process is less stressful when you begin on solid footing, which is an informed idea of what you can expect to pay. Research prices before you speak with a dealer so that you can arrive at a fair value for your preferred vehicle.
Manufacturer websites allow you to build the exact model you want and see the suggested retail price (MSRP). Also known as the sticker price, the MSRP will be displayed on the dealer lot or advertised, and it is the price for which the dealer is aiming.
Car buyers should have a lower opening bid informed by online tools — like the AAA Auto Buying Program — that show the average range of what other buyers have paid for a specific model. The ideal opening bid is on the low end of that spectrum. Due to the way manufacturers structure dealer discounts and incentives, it’s difficult to determine the exact invoice price, but the rough figure helps you to understand how much a dealer will profit from your purchase. Let the salesperson know that you have arrived at a fair price after thorough research and always steer the conversation away from the MSRP.
Even if you plan to lease a new car, begin with this step. The full price of a leased car is known as cap cost, short for capitalized cost, and it will appear on your contract. Dealers often try to steer discussions toward monthly lease payments, often lowering them by extending the length of the lease, but a low cap cost is a better way to lower your monthly payment.
Request Multiple Quotes
Gathering competitive bids also gives you some leverage. For those who are particularly stressed about how to negotiate a new car price, a car buying service will do the legwork in exchange for a flat fee or percentage of your purchase or lease. Otherwise, contact multiple dealers so that you can compare quotes and use these to possibly secure an even lower price.
Most manufacturer websites incorporate tools that allow you to compare prices within a certain geographic radius. Depending on how far you are willing to travel, or how much delivery will cost, extend your search beyond the local area. Take your lowest quote to other dealers and see if they will beat it, shopping around until you feel comfortable with the deal.
Take Advantage of Manufacturer Incentives
While you want to avoid paying the retail price listed on manufacturer websites, look there for any incentives that can be applied to your new car deal. Since special offers are determined by location, you will need to provide your zip code to see a list of incentives that apply to purchases and leases. The most common incentives are rebates, finance offers and special programs that often are available for recent graduates and veterans.
What to Discuss Later in the Process
Have you ever tried to negotiate a new car price only to be asked what your ideal monthly payment would be? Perhaps the most challenging part of negotiations is keeping the conversation on track. Dealers want to stay as close to the MSRP as possible, so salespeople will often steer the discussion away from price toward monthly payments and trade-in values. They can meet your ideal payment in a number of ways that won’t benefit you including extending the length of a loan or lease. Since cars depreciate quickly and interest adds up, you’ll wind up owing quite a lot more than the car is worth.
The time to discuss trade-in value and monthly payments is after you’ve agreed on a price. As with the fair price you researched for your new car, come prepared with the value of your trade-in. Use a reputable online tool to determine the amount you can expect to receive based on the make, model, age and condition of your car.
Even after following these tips on how to negotiate a new car price, it can be hard to know when to accept a deal. Certainly, if a dealer can’t come reasonably near your price, it’s time to move on. The same holds true for pressuring tactics. However, if you receive a good offer from a reputable dealer, have the confidence to stop negotiating and move on to the enjoyment of your new vehicle.
Remember, AAA is ready to help with financing a new or used car when you are.
This article has been updated and republished from a previous version.
While it might seem like an overwhelming challenge at first, finding ways to live sustainably can be as simple as switching one habit or product for another. Small changes can have a big impact, and there are plenty of ways to reduce or change altogether how you consume — and these ideas can help get you started.
Replace Single-Use Plastics
One of the most effective ways to cut down on waste is by swapping single-use plastic items for reusable alternatives.
Starting small, reducing your single-use plastic consumption could be as simple as choosing not to purchase items packaged in plastic, like presliced fruits and vegetables at the supermarket. Single-use plastic bags are banned in some Northeast states (Connecticut, New Jersey, New York and Rhode Island), but bringing your own reusable bags is a good idea wherever you shop.
Plastic packaging is tough to avoid entirely. From shampoo bottles to cleaning supplies, packaging reportedly accounts for 40% of the world’s plastic waste. This is why shopping at sustainable refill stores is an excellent option for reducing packaging waste.
Sustainable refill stores offer a “closed loop” shopping experience where the business itself and the makers of the products sold share the responsibility for reusing or returning packaging. This means there is no unnecessary waste generated. To shop at a refill store, simply bring your own containers (jars, bottles or bags) to refill everyday items like detergent, cleaning supplies, grains, spices and more. Find a refill store in your state here.
Join a CSA
Community Supported Agriculture, known as CSA, is a system that allows consumers to buy shares of a farm’s harvest before the season begins. By doing so, the farm is given the funds it needs to support its growing season up front, and in return, the consumer enjoys a delivery of that season’s harvest, typically on a weekly basis. Think of it like a farmers market that comes to you.
By participating in CSA, you’re not only supporting local farmers, but also helping to limit food waste. As a way to conserve resources, some CSA farms request that you reuse produce containers for the duration of the season so that packing waste can be limited as well.
To search for CSA-participating farms near you, visit LocalHarvest.org and enter your zip code.
Compost Your Organic Waste
Composing is a great way to keep food waste out of landfills, where it can contribute to greenhouse gas emissions. Instead of throwing away food scraps like vegetable peels, coffee grounds or eggshells, composting at home can improve the health of your soil and bring new life to what would otherwise be thrown in the trash.
If you don’t have outdoor space to compost, tossing scraps into a designated compost bin works just as well. In addition, many communities offer composting programs for residents.
Buy Secondhand, Upcycle and Shop Your Closet
Shopping can be fun and even relaxing, but purchasing new items unnecessarily contributes to overconsumption. Instead, try thrifting, vintage shopping or online marketplaces for clothing, furniture and appliances. Buying secondhand opens a treasure trove of unique items that can be repurposed or upcycled, helping to extend the life of products and reducing the demand for new resources.
Feeling the pressure to purchase something new to wear for an event? Shop your closet instead. Finding new, creative ways to wear older items is a sustainable way to refresh your wardrobe without buying anything and helps you to catalogue what you have so you know what’s at your disposal in the future.
Invest in Energy-Efficient Appliances
Energy consumption contributes heavily to carbon emissions. When possible, make switches that use less energy, such as LED bulbs, refrigerators and washing machines. Appliances that use less energy save you money in the long run and reduce your overall environmental impact.
Of course, practicing good habits like turning off lights when not in use and unplugging devices are easy, low-effort ways to reduce your energy use every day.
These are only a few ways we can be more sustainable. How are you reducing waste in your own life? Let us know in the comments.
Q. I brought my 2019 BMW X5 in for service for a low oil pressure warning message. Here is the summary. Is this an accurate estimate? Hooked up with charger and found fault codes for oil pump pressure too low (1C2002) and oil pressure control too low (1C0102). After performing a function test on oil pump, found that pump is faulty. Oil pump needs to be replaced together with oil quantity control valve. The total estimate is $9600 and the shop charges $219 per hour labor. Does it make sense to even repair the car?
A. The technician notes are handy, but it seems as if the shop should have provided you with an itemized estimate. The oil pump is $795 and just to replace the pump is 14 hours labor. If at the same time the tech replaces the timing chains, this will add another 15 hours labor. Depending on the extent of service required the estimate could be accurate. Although at this point, I would ask for an itemized estimate to see exactly what work is to be performed. The car with the needed repairs is not worth much. A proper running X5 is worth $28-$32,000, so repairing the car would make sense.
Q. I recently had to replace my battery in my 2010 Buick. My neighbor helped me and did something I had never seen before. Rather than using a memory saver or risk losing radio codes and presets, he had the car running while replacing the battery. He said this is how he was taught years ago. Perhaps this can help other DIY’ers.
A. That method of changing the battery with the engine running in years past did two things. It would retain the vehicle memory and if the car stalled with the battery disconnected you knew the charging system was not operating correctly. But today with more sophisticated electronics the chance of damaging the alternator, computers and other modules is certainly possible. This is not the recommended procedure.
Q. A am considering purchasing the Mazda CX-30 and was wondering if you ever test drove this car? I read some things about nice handling and fun to drive. I would also like to get it without low-profile tires. I am not a fan with the hard ride. What are your thoughts?
A. The Mazda CX-30 is a fun little car, handles well, feels nimble and sporty. Fuel economy could be better, the rear seat is tight for adults and the infotainment system is a little frustrating. Historically reliability has been quite good with nearly all Mazda models. I believe that Mazda quality is better than most since as a company they tend to make calculated and slow changes, rather than reinventing something new each year. I too would skip the low-profile tires not just for the ride, but they are more susceptible to pothole damage of our less than perfect roads.
Q. I have a 2013 Mercedes Benz ML-350. The Blind Side Indicator is more often unavailable than available. The new car dealer I use occasionally wanted over $3,000 to repair. Sometimes it is available on startup, sometimes not. Often it will fail during a drive. Is it an electronic control or sensor issue? Is there an alternative such as isolation/replacement of a defective part?
A. No easy answer on this, the system is intertwined with the collision warning sensor, so it has many parts, and they are all connected through a CAN (computer network). The first thing that needs to be performed is a scan of all the modules and see if there is a code (this will not show up as a check engine light). It could be anything from a faulty sensor in the bumper to a front collision sensor that is misaligned due to a slight parking lot bump with another car. You need to start with the module scan first. There is a dozen interconnected modules. The problem is the issue may not be anything that makes sense. Recently I was looking at a VW. The car had several warnings on the dash, one was for the passenger side airbag. The issue was the antilock brake sensor was faulty. When this happened, it pulled down communications with the CAN. Always best to diagnose first and not guess.
Q. Our 2019 VW Beetle is developing a whistling sound at highway speeds. We do not know which door / window is the culprit. Before I bring it to the dealer’s attention on my next visit, I would much rather hear possible cause from you first, thus avoiding possible runaround from dealership.
A. There is no known or common cause of a wind noise on this model. So, some diagnosis is necessary, and you could try to do it yourself. Start the car and with the heater fan set to high close all the doors and windows. Now take a spray bottle of very sudsy soapy water and spray around the doors, windows, windshield and look for small bubbles. Find the bubbles find the leak. If it has a sunroof look at that too. I have had good luck using this method.
The idea of a life insurance policy can be daunting, especially when you’re starting from scratch. If you’re considering buying life insurance for the first time, you probably have a lot of questions, like: Do you really need life insurance if you’re young, healthy and single? Where do you even start? And what exactly is an annuity?
Although the process behind purchasing life insurance seems overwhelming, it doesn’t have to be. With these tips you’ll get a better understanding of why life insurance is important for everyone to have, how it works and what you should consider when selecting your first policy.
Everyone’s financial and familial situation is unique, so the reason why someone needs life insurance is likely different from why you need it. This is why it’s important to take stock of your own circumstances to make the best policy decision for you.
Life insurance is useful for folks of all ages and family types. Even if you are young and healthy, an unexpected accident or illness could occur, and life insurance can keep things stable for those who depend on you. For older adults or those with families, life insurance helps make sure your loved ones aren’t left with a financial burden after you’re gone.
In short, life insurance equals peace of mind.
Goldilocks Your Coverage
Find the coverage that fits your lifestyle — not too much, not too little.
When comparing quotes, pay close attention to the details of each policy, as even the cheapest option may end up costing you later. If the policy doesn’t provide the right amount of coverage for the right amount of time, you may end up paying more down the line.
Shop For the Best Price
One of the most crucial parts of buying life insurance for the first time is to shop your coverage. Look for a policy that suits your needs and your budget.
Premiums, or the amount you pay to keep your policy active, can vary significantly from one insurance provider to another, even for the same coverage. This is why it’s always in your best interest to get quotes from multiple insurers to compare rates and find the best deal.
If you are purchasing life insurance for the first time at a young age, premiums will be cheaper for a higher amount of coverage, so it’s best to lock in those rates now rather than wait until you are older.
Get To Know the Lingo
Before committing to a policy, it’s important that you fully understand the terms and conditions. This might be easier said than done, as insurance jargon can sound like its own other language. Luckily, it’s a lot easier to get the gist once you know the basic terms. Check out our breakdown of the most common insurance terms to familiarize yourself with the jargon.
Work With a Reliable Provider
When you purchase your first life insurance policy, you want to go with someone who’s got your back. Choose a reputable insurance company with a strong financial track record and high ratings from independent agencies to show their reliability.
AAA offers life insurance with our members in mind, serving over 1.7 million policyholders with the same excellence you’ve come to expect.
AAA members can receive a 10% discount on their term life insurance premiums.
The Energy Information Administration (EIA) last week reported that Americans consumed 8.42 million barrels of gasoline a day, a decline of 70,000 barrels a day from the prior week and 187,000 barrels a day below last year’s figure. Just two years ago, demand was 500,000 barrels a day higher. Over the past four weeks, demand has been below last year’s levels by an average of 250,000 barrels a day.
Meanwhile, after a volatile week in the markets, oil prices are hovering in the low $60-a-barrel range, the lowest they’ve been since April 2021. Crude prices are now $10 cheaper than they were at the start of spring on worries that global demand for oil will decrease amid ongoing trade tensions. Last week, the EIA cut its forecast for global oil demand and domestic gasoline prices, citing both tariffs and plans by OPEC+ member nations to raise oil output in May.
Ample supply is also supporting downward pressure on gas prices. In the Northeast, supplies are still 6.8 million barrels above last year’s levels and stand at 59.9 million barrels.
“It’s unusual for pump prices and demand to be falling at this time of year,” said Jillian Young, director of public relations for AAA Northeast. “Typically, both gas prices and demand rise through spring ahead of the summer driving season, but uncertainty is in the driver’s seat this year.”
AAA Northeast’s April 14 survey of fuel prices found the national average down 7 cents from last week ($3.25), averaging $3.18 gallon. That price is 10 cents higher than a month ago ($3.08) and 45 cents lower than this day last year ($3.63).
Region
Current Price*
One Week Ago
One Month Ago
One Year Ago
Connecticut
$3.05
$3.09
$3
$3.49
Massachusetts
$2.95
$2.99
$2.96
$3.37
New Jersey
$3
$3.06
$2.92
$3.33
New York
$3.10
$3.13
$3.12
$3.50
Rhode Island
$2.94
$3
$2.92
$3.37
*Prices as of April 14, 2025
As of April 14, Mississippi and Oklahoma had the lowest prices in the nation, at $2.71 and $2.72, respectively.California and Hawaii held the highest prices in the nation at $4.89 and $4.51, 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.
It’s not a stretch to say that stretching is important, maybe more than you think.
Stretching correctly can help improve athletic performance and decrease the risk of injury. Even if you’re not a fitness enthusiast, regular stretching can help with your overall flexibility and mobility.
Here’s how to start your day off the right way with the best morning stretch routine.
Why Start a Stretch Routine?
Stretching is a tried-and-true method for keeping your body in working order.
“Stretching keeps the muscles flexible, strong and healthy, and we need that flexibility to maintain a range of motion in the joints,” according to the Harvard Health blog. “Without it, the muscles shorten and become tight. Then, when you call on the muscles for activity, they are weak and unable to extend all the way. That puts you at risk for joint pain, strains and muscle damage.”
Of course, you should still support your body in other ways as well, like eating a balanced diet, drinking plenty of water and getting enough sleep.
The Rules of Stretching Safely
Start slowly. While stretching, you’ll want to feel some tension or a slight burning sensation but no pain.
“While it’s normal to feel some tension when stretching a muscle, you should never feel pain,” according to Healthline. “If the area you are stretching starts to hurt, back off the stretch until you don’t feel any discomfort.”
Use smooth movements and remember to breathe while stretching. Avoid bouncing, which can cause accidental injury. Also, make sure to do an equal number of stretches for each side of your body.
“Everyone’s genetics for flexibility are a bit different. Rather than striving for the flexibility of a dancer or gymnast, focus on having equal flexibility side to side (especially if you have a history of a previous injury),” according to the Mayo Clinic. “Flexibility that is not equal on both sides may be a risk factor for injury.”
Why Stretch in the Morning?
Repetition is key when it comes to stretching. Doing stretches every morning and making it a part of your routine will allow you to reap the most benefits.
Try to do your stretches daily — or at least two to four times per week.
“Skipping regular stretching means you risk losing the potential benefits,” according to the Mayo Clinic. “For instance, if stretching helped you increase your range of motion, your range of motion may decrease again if you stop stretching.”
There are several different types of stretches, but the two major ones are static and dynamic.
Dynamic or active stretches, such as lunges, kicks and pushups, should be done before a light to moderate workout. This type of warmup stretches your muscles in a way that prepares them for additional exercise.
Static stretches involve flexing a muscle as far as you can (comfortably) and holding that position for a set amount out time — typically 10 to 30 seconds. This type of stretch is commonly used in yoga. Static stretches focus on a specific muscle group at a time and are good for post-workout cooldowns.
Getting Started
Do dynamic stretches if you plan to exercise afterward and static stretches if you’re just limbering up for the day.
No matter which route you choose, don’t roll right out of bed and start stretching. You want to warm up your muscles for a quick five to 10 minutes before beginning your morning stretch routine.
“Cold muscles are not as pliable, which makes stretching a lot more difficult,” according to Healthline. “The best time to stretch is after you work out, but if you’re not exercising before performing your stretches, consider warming up for five to 10 minutes with some light cardio, such as walking or jogging.”
So, while your morning coffee is brewing, take a few laps around the house, walk up and down the stairs a few times, hop on your elliptical or treadmill or do some other low-intensity activity.
Knowing What to Stretch
A good morning stretch routine should only take about five to 10 minutes.
Use this time to stretch the muscles you use most often, specifically leg muscles — like your calves, hamstrings, hip flexors (pelvis) and quadriceps — along with your shoulders, neck and lower back.
Hold each stretch/position for 10 to 30 seconds.
Examples of Stretch Routines
You can customize your morning stretch routine to cater to the muscles you use the most, avoid old injuries, etc.
If you have an acute or chronic pre-existing injury, you may want to seek outside help when planning your stretch routine.
“Find a physical therapist (your local Y is a good place to start) who can assess your muscle strength and tailor a stretching program to fit your needs,” according to the Harvard Health blog. “If you have chronic conditions such as Parkinson’s disease or arthritis, you’ll want to clear a new stretching regimen with your doctor before you start.”
Those with certain medical conditions should only perform stretches recommended by a doctor.
Looking for more simples ways to improve your health? Check out our Mind & Body series.
When reading your home insurance policy — or any insurance policy, for that matter — it’s easy to get lost in the verbiage and jargon.
Two of the most bewildering terms for home policyholders are “actual cash value” and “replacement cost.” At first glance, one might mistake these policies as being similar or interchangeable, but they are not the same. Being unaware of the difference could affect your coverage.
With housing values going up (and insurance rates going up with them), it could be a good time to update your home insurance, particularly whether you are covered for actual cash value or replacement cost. It could mean more money in your pocket.
Actual Cash Value vs Replacement Cost
The big difference between actual cash value and replacement cost is depreciation: the decrease in value of an item due to factors such as age, obsolescence and wear and tear.
An actual cash value policy pays the amount needed to replace a lost or damaged item, minus depreciation.
Replacement cost provides the sum needed to replace a damaged item with one of similar kind and quality without deducting depreciation.
It is not always clear whether a policy pays actual cash value vs replacement cost. If you have any questions or doubts, review your policy with an insurance professional who can help you better understand how you are covered.
Think of It This Way …
When you make a claim, your insurance company determines your settlement or the compensation you will receive based on the type of policy you have. The Insurance Information Institute gives the example of a tree falling through your roof and onto your eight-year-old washing machine.
“If you had a replacement cost policy for the contents of your home, the insurance company would pay to replace the old machine with a new one. If you had an actual cash value policy, the company would pay only a percentage of the cost of a new washing machine because a machine that has been used for eight years would be worth less than its original cost.”
If the tree also damaged your 15-year-old roof so badly that it needed to be replaced, a replacement cost policy would pay the full cost of installing the new roof, while an actual cash value policy would only pay a percentage.
Choosing a Policy
“Oftentimes a policy that pays actual cash value will have cheaper premiums than one that pays replacement cost,” said Jodi DeSantis, vice president of insurance services for AAA Northeast. But when it comes to getting sufficient coverage for your home, “don’t always go for the lowest cost option.”
What you save upfront may eventually end up costing you in the event you need it, especially in today’s volatile market. As the value of homes has gone up, so have building costs, and what was enough to cover repairs in the past, may not be enough now.
When you experience a loss, even if your entire home is damaged beyond repair, a standard homeowners policy will pay to replace it up to the limits of the policy. If your policy limit does not keep up with the current market where you live, you may not be adequately covered.
Some policies automatically increase your home coverage limits each year, which could be helpful, but still may not be sufficient in the current environment.
There is no time like the present to reach out to your insurance agent, review your policy and make any needed adjustments.
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.
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.
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.
For AAA Northeast, community involvement is part of the culture. Employees are encouraged to volunteer — and do so often — in support of local charitable organizations that help important causes, such as the environment, food insecurity and local families in need.
And because we love meeting and engaging with our members, there are often projects that get members involved as well.
Uniting AAA Employees and Members
In 2024, AAA Northeast ran four successful community service campaigns: Earth Month, AAA Road to Hunger Relief, Trunk or Treat events and a new initiative called Lend a Hand for the Holidays.
“We wanted to be part of events that allowed us to stand shoulder-to-shoulder volunteering with our members in giving back to the community,” said Rhode Island District Branch Manager, Thomas Ryan, who oversees the Branch Operations Member Engagement Committee. “Our member engagement events are a great way for us to bring our involvement with nonprofit organizations to members who also want to give back but need help finding how.”
Putting Hunger in its Place
The hunger relief campaign alone included more than 20 events. Instead of putting out food collection boxes at branches, this time AAA volunteers joined members of the community and local organizations outside supermarkets to ask shoppers for food and filled car trunks.
“When we put out boxes for food donations at a branch, maybe we’d collect 20 or 30 items,” said Maggie McMenemy, a branch manager in Webster, Mass., the co-leader of the Member Engagement Team. “But standing outside a grocery store, we collected 330.”
Volunteers also spent more time stocking shelves at food pantries and cooking and serving meals at community kitchens. Altogether, AAA Road to Hunger Relief was able to feed more than 923 families and collect more than 2,700 pounds of food, with the assistance of 41 members.
Delivering Holiday Spirit
Through the Lend a Hand for the Holidays campaign, volunteers in Rhode Island, about 43% of which were members, helped collect toys and package and serve holiday meals for families in need.
In Connecticut, Thanksgiving meals were collected and served and 1,472 gifts delivered with help from 42 members.
At My Brother’s Keeper in Easton and Dartmouth, Mass., AAA partnered with community members to deliver Thanksgiving meals and buy and wrap holiday gifts. “After the event, a member told me that they has such as great time that they wanted to do it again,” said Theresa Barry, associate marketing specialist. “This is exactly what we are looking to do — get repeat volunteers!”
Building Bridges
Last year also was a success when it came to building connections for the future. AAA members collected names and contact information from community groups and individuals to involve them in future campaigns.
“Helping and serving is a way of life here,” added Shannon Reyes, a branch manager in Warwick, RI., who helps with events. “It is one of the things that I really love about working for AAA.”
AAA Employees join Swansea Girl Scout Troop 876 for a Squantum Point, R.I., cleanup.
Cleanups, Food Drives and More
Some of the most popular charitable activities in our communities occur annually, including Earth Month cleanups in April.
AAA employees and members from Worcester, Mass., including Mayor Joseph Petty (center), take part in a community cleanup event.
Making a Difference
“I love to serve our community and know that my contributions are helping someone else and encourage all of us to take some time to give back,” said Tamara Thornton,a branch manager in the Smithfield, R.I., branch. “I like being able to play a role in making a difference in the community.”
More local events dot the calendar year-round. AAA branches host blood drives, days for planting vegetable and flower gardens for nursing homes and other care facilities, and gatherings to pack meals to distribute at local food pantries. Other employee charitable efforts include joining the Southern New England Heart Walk, creating cards for Sending Smiles and sorting donations for the Dorcas International Clothing Collaborative, to name a few.
“I really enjoy the smaller settings where we get to make a bigger impact,” Reyes said. “I feel that the AAA branch teams do an amazing job of finding those opportunities and bringing as many employees and members as possible along with us to support these organizations.”
Dozens of in-house projects are always on tap at offices in the Northeast, including making blankets for veterans, sending cards to senior citizens, planting flowers at community buildings, packing diapers and helping to harvest crops for food banks.
“When we can get out and volunteer, we show those that live in the community that AAA cares,” said Reyes. “We want to make our communities a better place to live, work and enjoy.”
The maternal directive to “go outside and get some fresh air” may have been more about preserving mothers’ mental well-being, but we now know that spending time outdoors is a great mood booster for everyone.
“Having a relationship with nature is unequivocally important for good mental health, coping and distress prevention,” said Erin K. Engle, a licensed clinical psychologist and clinical director of Columbia University Psychiatry Specialty Services. “It’s critical in maintaining key aspects of health, including emotional, psychological and physical health.”
Let Nature Recharge Your Batteries
The benefits of being outside are plenty. Improved attention, lower stress, better mood, reduced risk of psychiatric disorders and even an uptick in empathy and cooperation have all been linked to exposure to nature, according to the Canadian Psychological Association.
Sunshine, physical activity and the calming effects of nature are among the reasons spending time outside reduces stress and improves one’s outlook. People feel like they are away, even briefly, from their everyday obligations. Not only that, but when times are tough, being in nature pumps up your reserve of positive emotions like dopamine and endorphins, offsetting stress and building resilience.
A review of research published by the Journal of Global Health revealed that mental health improved in 98% of the cases where people connected with nature.
Escape the Stress
Removing ourselves from the daily bombardment of information to escape to forests, parks and yards helps to restore our minds and bodies, according to Attention Restoration Theory.
The constant demands on people for directed attention — to texts, social media, work and school — can eventually lead to attentional fatigue, marked by decreased concentration, difficulty focusing, poor decision-making and irritability. Nature counters that feeling by removing the distractions and allowing you to just be.
This doesn’t mean you have to load up your backpack, vanish into the wilderness and chat with squirrels to enjoy the benefits of fresh air. Accessing local nature daily in short bursts can significantly impact your mood, Engle said.
At least one study showed that while exercise can help those with depression, walking outside is even better.
Walking is an easy way to recharge, but it’s not always as simple to find the motivation to get up and go.
In late 2021, The Stupid Walk for Stupid Mental Health trend took off on TikTok, amassing over 3,000 videos under the hashtag #stupidwalkchallenge, showing annoyed-looking people stomping off to get their steps in for the day. It proved that sometimes we have to force ourselves to do what’s best for our mental, physical and emotional well-being — and we may wind up liking it.
Simple Ways to Spend More Time in Nature
Take a daily walk outside, even just a five-minute one.
Take a longer walk around a lake or park. Take your pet with you.
Running out of gas could bring your entire day to a halt. AAA’s emergency gas delivery service saves you from being stranded and can help get you to your destination on time.
AAA brings you gas but won’t fill up the tank. Roadside technicians deliver enough fuel — about 1 to 2 gallons — to get you to the nearest gas station.
Basic members are required to pay the pump price for the fuel directly to the technician who delivers it, while the cost is included in Plus and Premier memberships. AAA Northeast members are permitted four service calls during a calendar year.
Summer is a time for outdoor adventures, and you’ll find plenty of that to go around in these destinations. If your vibe is more wine country or fine dining, you’ll find that, too.
No matter where you head, a comfortable hotel makes all the difference on vacation, so you’ll find a Marriott Bonvoy hotel option for each destination, as well.
Asheville manages to stay grounded while catering to travelers with glam tastes. Take a spin on the Blue Ridge Parkway or explore Great Smoky Mountains National Park. From the AC Hotel by Marriott Asheville Downtown explore the River Arts District and the Asheville Black Cultural Heritage Trail.
Jackson Hole, Wyoming
While known for its ski areas, the scenery and amenities of Jackson Hole don’t stop when the snow does. The jagged peaks of Grand Teton National Park border this lively valley near Yellowstone. Set up base camp at The Cloudveil, Autograph Collection before heading out for hiking, biking or white-water rafting. At night, go stargazing at the Snow King Observatory & Planetarium.
Inn at Bay Harbor, Michigan
Mackinac Island and Bay Harbor, Michigan
Mackinac Island in Lake Huron delivers the charm. Horse-drawn carriages rule the roads in this car-free area brimming with clapboard Victorian architecture. Anchor on the mainland at the Inn at Bay Harbor, Autograph Collection. Then, head northeast from the hotel to Mackinaw City and hop the ferry to Mackinac Island, where you can golf, explore historic forts and picnic.
New England’s Farm Coast
Punctuated by harbors, lighthouses and small villages, the New England farm coast sometimes looks more like the 19th century than modern life. Book the Fairfield Inn & Suites by Marriott New Bedford in Massachusetts to embrace the area’s “coastal grandmother” cool. Browse galleries, enjoy the agritourism and sample seafood straight off the boat.
Slip into a geothermal hot spring inside Utah Crater, a limestone cave in Homestead. With an average temperature of 94 degrees, the sapphire water is ideal for swimming, snorkeling, paddleboard yoga and scuba diving. Nearby is The St. Regis Deer Valley. This pet-friendly Park City resort offers ski access in the winter, guided hikes, lawn games and “dive-in movies” at the pool.
Your bags are packed, flights are confirmed and you are so ready for a vacation. But when you arrive at the airport, the gate agent delivers devastating news: You can’t board your flight. The reason? Your passport doesn’t meet the six-month passport validity rule many countries require.
Most people don’t realize it, but if your passport is scheduled to expire within six months or fewer of your return date from an overseas destination, you might be barred from flying to or from certain countries or traveling on a cruise line.
It’s a travel mistake that many people make, and it can be an incredibly costly one. If your passport expires in fewer than six months, you won’t be allowed to board your plane, check in for your cruise or even enter another country. Airlines and cruise lines are required to enforce the six-month rule. If you somehow manage to board a plane and arrive at your destination, you could be denied entry to the other country when you try to pass through customs. Which leaves you with no other option except to turn around and go home.
To make matters worse: Travel insurance doesn’t cover this mistake. That means your long-anticipated vacation could be over before it even starts — and all the money you spent on flights, hotels and excursions gone.
RushMyPassport to the Rescue
If you are one to wait until the last minute when prepping for a vacation, make sure renewing your passport jumps to the top of the to-do list.
To ensure all your documents are ready in plenty of time, consider using RushMyPassport, a service that expedites new passport applications and renewals. AAA Northeast members also receive a 10% discount on passport and visa services.
After you get your passport photos taken at a AAA Northeast branch, log into RushMyPassport, indicate what kind of passport you need and decide how quickly you need it. Turnaround times vary from one day to six weeks, for varying fees. The site provides step-by-step directions, including checklists, help with document preparation and application reviews and employs a wizard to help you add in your documents. (Customers still must pay the standard government processing fees.)
Customer service is available via phone, email and chat to ensure you complete all the steps accurately to avoid any delays.
Don’t let an outdated passport ruin your dream trip. Check your expiration date and renew it with RushMyPassport.
While prices are following typical seasonal trends for now, global market reactions to the Trump administration’s tariffs announced last week could potentially slow the seasonal price climb as crude oil prices fall.
By the close of markets on Friday, crude oil prices had fallen roughly $10 a barrel, reaching levels not seen in four years as markets reacted to the tariff announcement on Thursday. Along with concerns that the tariffs could quash gasoline demand amid economic fallout, the collapse in the price of crude was accelerated by the surprise announcement by OPEC+ that they’d increase production next month by more than 500,000 barrels a day — 411,000 barrels a day more than expected. Already, many market watchers believe global crude production is outpacing demand; and the news of even more oil reaching markets puts additional significant downward pressure on oil prices.
Here in the Northeast, inventories of gasoline fell by 1.3 million barrels last week as retailers push winter blend out and summer blend into their storage tanks. But, supplies are still 6 million barrels higher than last year, and 2 million barrels above the five-year average, according to the Energy Information Administration (EIA). In a typical year, supplies could tighten alongside seasonal demand increases, but national demand figures indicate Americans aren’t following the script: The EIA reported demand fell 150,000 barrels a day last week to 8.49 million barrels a day. That’s more than 800,000 barrels a day lower than the comparable week of 2024.
“After market routs last week, wholesale prices for summer blended gasoline are now equivalent to winter blend prices seen in February,” said Jillian Young, director of public relations for AAA Northeast. “If markets continue to sag, it could lead to cheaper gasoline prices, but it will take some time for the lower crude and wholesale gasoline prices to reach retail pumps.”
AAA Northeast’s April 7 survey of fuel prices found the current national average up 9 cents from last week ($3.16), averaging $3.25 gallon. Today’s national average price is 15 cents higher than a month ago ($3.10) and 34 cents lower than this day last year ($3.59).
Region
Current Price*
One Week Ago
One Month Ago
One Year Ago
Connecticut
$3.09
$3.04
$3.04
$3.45
Massachusetts
$2.99
$2.97
$3.00
$3.32
New Jersey
$3.06
$2.96
$2.97
$3.31
New York
$3.13
$3.11
$3.14
$3.46
Rhode Island
$3
$2.95
$2.96
$3.33
*Prices as of April 7, 2025
As of April 7, Mississippi and Oklahoma had the lowest prices in the nation, at $2.75 and $2.78, respectively.California and Hawaii held the highest prices in the nation at $4.95 and $4.49, 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.
We all have them. Whether it’s checking texts while driving, speeding, ignoring stop signs or failing to use turn signals, everyone has developed a bad driving habit or two. The problem is how to get rid of them.
While some of these may seem inconsequential, even the smallest lapses in concentration and judgement while driving can have fatal results. In 2024, about 44,680 people died in motor vehicle crashes in the U.S., the National Safety Council reported. About 3,308 people were killed in distracted driving incidents, according to the latest information from the National Highway Traffic Safety Administration (NHTSA).
The most recent AAA Foundation for Traffic Safety’s annual Traffic Safety Culture Index revealed that the majority of the 2,630 online survey respondents recognized risky driving behavior. For example, about 93% of drivers identified both texting/emailing and reading on a hand-held cell phone as very or extremely dangerous, while fewer drivers viewed holding and talking on a cell phone (78%) or using hands-free technology (16%) as very or extremely dangerous. Despite that level of awareness, 27% of drivers reported sending a text or email while driving, 37% read a text or email and 36% held and talked on a phone. The majority of drivers, 59%, reported using hands-free technology to talk, text or email.
The best way to avoid bad driving habits, of course, is not to start them. AAA Driver Training instructors do their best to impress upon young students the importance of following all the rules of the road. This includes not eating when driving and obeying speed limits and stop signs. Young drivers are encouraged to ignore drivers who honk at them for not coming to a complete stop at stop signs.
More seasoned drivers, who may be getting a little lax when it comes to traffic rules, need to remain vigilant and not slip into dangerous habits, like accelerating at a yellow light. Drivers who want to refresh their skills can sign up for the AAA Defensive Driving Course.
“One of the best ways to instill good driving habits is to explain why a regulation is important, and what can happen if you don’t follow it,” said Gary Driscoll, a AAA behind-the-wheel driving instructor in Cranston, R.I., and former police officer. “I stress situational awareness when driving.” Failure to pay attention even for a second could result in a life-or-death situation.
Distracted Driving
This is one of the most common and dangerous bad driving habits. Texting, talking on the phone, even talking to passengers, eating or listening to music are all distractions that could take your eyes of the road or cause you to lose focus.
One of the newest, and most dangerous, trends is shooting video while driving, especially with younger drivers trying to capture clips for social media. This takes your concentration almost completely off the road and your hands off the wheel. If you want to shoot a video from your car, do it while stopped in a parking lot.
How to Fix
Put your phone on do not disturb and out of reach, said Barbara Ward, a longtime traffic safety specialist with AAA Northeast. Texting while driving is one of the top bad habits to break. It raises the possibility of a crash because it creates a “triple threat,” according to Ward. “It takes a driver’s eyes off the road, hands off the wheel and mind off driving more than any other potentially distracting activity.”
Impaired Driving
Impaired driving includes getting behind the wheel after drinking alcohol or using marijuana. Driving while under the influence not only has serious legal repercussions, but puts the driver, passengers and everyone on the road in danger.
How to Fix
Don’t do it. Designate a sober driver ahead of time or call a taxi or ride-sharing service.
Drowsy Driving
Drowsy driving can be just as dangerous as impaired driving, yet 18% of respondents reported engaging in that behavior in the past 30 days.
How to Fix
AAA recommends stopping for a break every two hours or 100 miles while you are driving. If you start to nod off, have trouble keeping your eyes open or can’t recall the last few miles driven, pull over and let someone else take the wheel.
Speeding
While many drivers do not consider speeding risky behavior, speeding is a factor in one-third of vehicle fatalities. “Speeding gives you less time to react and increases the distance you need to stop,” Ward said.
How to Fix
Slow down. “Always know the posted speed limit and use cruise control, if possible, to keep the vehicle at a safe and reasonable speed,” added Ward.
Aggressive Driving
The NHTSA defines aggressive driving as a combination of moving traffic offenses that can endanger other people or property, often sparked by road rage. This includes one of the most infuriating bad driving habits, tailgating.
How to Fix
Avoid being a tailgater by staying calm if someone ahead of you is driving more slowly and keep a lighter foot on the gas pedal. If someone is tailgating you, continue driving the speed limit, remain calm and obey traffic signals.
More tips for dealing with an aggressive driver:
Avoid eye contact with angry drivers.
Don’t respond to aggression with aggression.
If you feel you are at risk, drive to a public place such as a police station, hospital or fire station.
When you park, allow room so you can pull out safely if someone approaches you aggressively.
Use your horn to attract attention but remain in your locked vehicle.
Winter can be a taxing season on both man and machine. What does this mean for drivers? Come spring, just like the natural world, your car is likely in need of rejuvenation.
A well-maintained car is a safe car, which is what you’ll need for springtime driving. April’s showers make for slippery roads and the potholes that began forming over winter will come to bloom once the weather turns.
Car maintenance should be done year-round, but there are certain aspects to pay particular attention to when spring arrives. Whether tackling these tasks yourself or leaving it to the professionals at a AAA Approved Auto Repair facility, here are some spring car care tips to be mindful of.
Test Your Car Battery
Car batteries work harder to power vehicles during the winter. The best way to maintain your car battery is to take longer drives (approximately 30 minutes) on a regular basis. These trips allow the battery to regain its charge. You should also make sure the battery terminals are clean and free of any corrosion. Corroded terminals prevent the flow of electricity.
Roughly one-quarter of all roadside assistance calls AAA Northeast receives are battery related. Don’t wait until you need a jump — get your battery tested today. Request AAA’s Car Battery Service, and we’ll come to you to test your battery and, if needed, replace it on the spot with a new, discounted one. We’ll even take and recycle your old battery for free.
Don’t forget to include a good cleaning on your spring car care to-do list. Snow, ice and salt can leave your car looking worse for the wear, especially if you didn’t wash it in the winter. Washing your car may seem straightforward enough, but there is a right way to do it. Improper washing is not only ineffective, but it could also cause damage to your vehicle. Follow this guide to get the job done properly, a process that includes using the two-bucket method and a microfiber cloth.
Don’t limit your cleaning to the car’s exterior. The cabin needs just as much attention. This includes vacuuming, getting rid of any unwanted smells and sanitizing the vehicle.
Once you’re done washing, consider applying a coat of wax. This extra step gives the car’s paint an extra shine and a protective coat.
Don’t Forget Your Car Fluids
One of the most common car care mistakes motorists make is ignoring their vehicle’s fluids, especially engine oil. Clean oil extends the life of your vehicle and helps with engine cooling, so make sure to change your oil according to the manufacturer’s time or mileage recommendations. Changing engine oil is a fairly easy maintenance task if you’re up for it. We guide you through the process here. When you’re done, make sure to dispose of the old oil properly and safely.
But engine oil isn’t the only fluid to keep an eye on when ticking off your spring car care checklist. Coolant, transmission, brake and power-steering fluids should be checked regularly. They can become ineffective if they get contaminated or the levels drop too low.
Still debating between conventional and synthetic engine oil? Here’s what you need to know before making a decision.
Check Your Tires
Winter takes a toll on car tires on multiple fronts, especially when it comes to air pressure. Tires will lose roughly 1 pound per square inch of pressure with every 10-degree drop in temperature. Low tire pressure causes gas mileage to drop and can be a safety hazard. Underinflated tires make it more difficult to steer and stop and can lead to a blowout. Make sure to test your tire pressure regularly and inflate them to the manufacturer’s recommended level.
Rough winter roads can also wear away the tire’s tread. Proper tire maintenance includes ensuring there is more than 4/32 of an inch of tread on each tire. A quick and easy test is to insert a quarter upside down (Washington’s head first) into the tread. If the tread does not reach the top of his head, it’s time for new tires. While you’re inspecting the tires, look for cracks, cuts, chips or dry rot.
As part of your spring car care, don’t forget to also check your vehicle’s spare tire, jack, lug-wrench and wheel lock. If your vehicle’s spare is located under the car, make sure the mechanism that holds the spare tire is working properly.
Other Considerations
We spoke to Jason Malo of AAA-approved Advanced Auto, Inc., who emphasized the importance and benefits of consistent maintenance. “When we’re performing regularly scheduled maintenance, we’re actually extending the life of your vehicle,” he said. “You’ll have fewer (if any) unexpected expensive repairs, and you’ll be able to drive your car for many miles more.”
A few more spring car care reminders:
Steering, suspension, shocks and wheel alignment should be examined. “Misalignment causes the tires to wear abnormally and wear out too quickly,” Malo warns. “With the condition of the roads nowadays, you should have your car’s alignment checked, and adjusted as needed, at least once a year.”
Cars that sit for longer periods of time (months or more) can develop brake issues. Have the rotors, calipers and pads checked before heading out.
Engine filters can become clogged with dirt, dust and pollen. Get these checked and replaced, if needed. “If [a filter] is dirty or old, your car probably isn’t getting enough air,” Malo says. “Imagine running a race with a dirty rag over your mouth. Sound like fun? No? Your car doesn’t like it, either!”
Hoses and belts can dry out and crack in the winter. Better to find out before you hit the highway on a long drive.
Rodents and other small critters often take up residence in vehicles to escape the cold. They often build nests and chew wires and hoses, so check for damage under the hood.
AAA offers a wide range of services and discounts that can make proper vehicle maintenance easy and affordable for members. Learn more.
When unexpected worst-case scenarios occur that result in large claims or lawsuits, personal umbrella coverage offers extra protection to what your auto and homeowners insurance policies can provide. Before asking your insurance agent to add it to your policies, it’s a good idea to have a base understanding of umbrella insurance first.
Imagine if you were at fault for causing a multicar pileup and are responsible for all the resulting damages and medical bills. Or if someone falls and gets hurt on your property and sues you. These situations don’t happen often, but you might sleep better at night knowing that your finances would be protected if they ever did.
Think of umbrella insurance as your emergency parachute, the safety net below your tether and – most obviously – your umbrella in a storm. A raincoat may save you from the usual shower, but when a sudden downpour hits, you are going to wish you had the added protection.
“A [personal umbrella policy] provides an extra layer of security beyond the coverage limits of your auto or homeowners policy,” said Jodi DeSantis, vice president of insurance sales with AAA Northeast.
For example, if your homeowners insurance policy has a $500,000 liability limit, but a catastrophic accident occurs and you are responsible for $1 million in property damage, legal fees and medical bills, it may cover the remaining $500,000 liability.
In addition to large claims and lawsuits, umbrella insurance covers liabilities your auto and home policies do not, like if you are sued for libel or defamation, defense costs and renting a vehicle in another country. It will not cover damage to your own property, business-related matters or intentional acts. Some policies today allow you to purchase additional uninsured/underinsured riders that will extend coverage to you for injuries sustained in an accident that go above both the at-fault parties coverage and your own uninsured/underinsured coverage on your auto insurance.
There may be some exclusions and a minimum liability limit on the primary policy required to qualify for an umbrella policy.
Is an Umbrella Insurance Policy Right for You?
With today’s litigious society, protection with high liability limits could be invaluable. At the end of the day, we are all at risk for unexpected accidents and the possibility of getting sued. If you find yourself in a position where you are in over your head, an umbrella policy could save your finances.
Umbrella insurance covers the policyholder and members of their family or household, which makes it especially practical for homeowners and married couples.
People that live with higher risks could also benefit from the extra cushion. You should consider the excess liability coverage from an umbrella policy if you:
Have a young driver on your auto policy. Teens are statistically the riskiest drivers on the road, with a crash rate three times that of drivers age 20 and older.
Frequently entertain or host guests on your property.
Understanding if Umbrella Insurance Is Worth It for You
Umbrella insurance is notably affordable. For about $150 to $300 per year, you can buy a $1 million personal umbrella liability policy.
As it is designed to supplement your existing coverage, the low cost is likely because you are usually required to have larger liability limits on your home and auto policies to qualify.
“Most insurance carriers give a discount on both your home and auto insurance if you have both written through them,” said Emily Buckley, insurance sales manager for AAA Northeast in Garden City, N.Y. With the amount you save from bundling, it could make sense to invest in an umbrella policy.
How to Get an Umbrella Insurance Policy
Keep in mind that not all umbrella policies are the same and there may be exclusions or limitations. Consult with your insurance agent for help with any specific concerns or needs you may have.
Now that you have a better understanding of umbrella insurance, do you think that it’s the right choice for you? Do you already have it? Tell us in the comments.
This article has been updated and republished from a previous version.
If a vacation learning about unique wildlife in one of the most exotic places on earth excites you more than lounging on a beach, HX Expeditions can take you on the voyage of a lifetime.
A leader in sustainable travel, HX Expeditions invites guests to responsibly explore remote destinations, including the Galápagos Islands.
Cruising With Purpose
When you book a cruise with HX Expeditions, you take on the role of Citizen Scientist. Through HX Expedition’s Science & Education program, guests collaborate with onboard scientists and subject matter experts in the ship’s science center, immersed in information about the wildlife, geography, climate and history of each destination.
Every explorer is tasked with engaging in active research projects, collecting data to enhance the overall knowledge of these regions, documenting biodiversity and monitoring the effects of climate change.
Local experts serve as the guides for the Galápagos cruises, providing information about the wildlife and islands on shore visits and valuable insight during onboard briefings before each daily expedition. All expeditions are included in the cost of the cruise.
Embark on the journey of a lifetime with a HX Expeditions cruise to the Galápagos Islands. Nestled in the Pacific Ocean near Ecuador, this chain of volcanic islands is home to a variety of plant and animal species found nowhere else on earth. While located in the tropics, depending on the island, some of the terrain is dry and some verdant.
Naturalist Charles Darwin brought the Galápagos to the world’s attention almost 200 years ago. While visiting in 1835, Darwin observed the differences among subspecies of animals on the islands, which prompted his theory of natural selection influencing evolution. Visit the Charles Darwin Research Center on Santa Cruz Island, where scientists are working to preserve the native wildlife.
While you can enjoy guided nature walks on trails frequented by lava lizards, land iguanas and other wildlife, HX Expeditions also provides small boats to explore the waters around the archipelago, which is the best way to observe its plants and unique animals. By boat, you can access 13 of the islands and view the dramatic differences in the terrain. Get up close with seals, sea lions and marine iguanas, not to mention the Galápagos penguin and 150 different species of birds.
The Galápagos are famous for the geriatric giant tortoises that inspired the theory of evolution and gave the islands their name. These creatures can live to more than 100 years old weigh up to 900 pounds! They squeeze in time to eat and sunbathe while resting 16 hours a day. Visitors can observe 12 difference species of giant tortoises in the wild or in a protected breeding center. Once near extinction, conservation efforts by the Charles Darwin Foundation and others have brought their numbers up.
The surrounding waters are just as magnificent. Explore by kayak or go snorkeling to spot a variety of marine life. Underwater, you can view turtles, the only marine iguanas in the world and vibrant fish. If you prefer to stay dry, you can still view the underwater wonders from a glass-bottomed boat available on the MS Santa Cruz II.
Exploring Sustainably
While striving to offer the most authentic experiences possible, HX Expeditions also prides itself on its long commitment to sustainability. Its two newest hybrid-powered expedition ships, feature battery packs, heat recovery systems and a revamped hull design. The the carbon emissions of these ships is estimated to be 20% lower than traditional cruise ships. The company stopped using heavy fuel 10 years ago and advocates for its ban worldwide.
Seven years ago, all unnecessary single-use plastics were banned throughout HX Expeditions. To introduce some guests to healthier ways of eating, the cruise line has an extensive vegan and vegetarian menu and has focused on reducing food waste. Two years ago, food waste per guest was cut by 22%.
Other planet-friendly commitments include supporting 41 environmental, cultural and social projects in 11 different countries and helping communities the ships visit.
If you are leaving one job for another, you want to ensure your 401(k) account continues to grow. When it comes to rolling over your funds, you have options. The key is to avoid common 401(k) rollover mistakes. Do your research to choose a plan that is best for you and follow all the proper steps, so you don’t get hit with a big tax bill or lose out on income growth, according to Fidelity.
To a certain extent, your age factors into what you choose to do. Cashing out a retirement account if you are under 59 1/2 (the minimum age for withdrawal established by the IRS) usually is not a good idea. If you close the account and take the money, you will have to pay income taxes and potentially a 10% early withdrawal penalty, significantly reducing the amount of money with which you will walk away.
Meeting with a financial professional to avoid any 401(k) rollover mistakes and ensure you pick the right solution can be helpful.
Sticking With Your Old 401(k)
In some cases, you can leave the money in your former employer’s plan, but that may not be the best choice. The money continues to grow, but there are limits to accessing the account. You can no longer deposit money into the account, and if you want to withdraw money, it may have to be the full amount. Plus, not all companies are open to former employees leaving money behind.
Consider rolling over your 401(k) into your new employer’s 401(k) or individual retirement account (IRA). This way you can build on what you already have. If you leave the job when you are age 55 or older, you can make withdrawals without paying any penalties, Fidelity noted.
Not all companies allow you to roll over your 401(k) into another plan. If it’s permitted and you opt for this, make sure you understand your new plan’s regulations and investment choices.
Not Considering an Annuity
Not investigating rolling your money into an annuity can be a mistake. You risk losing out on a more stable savings plan. You can roll over your 401(k) into an income annuity, which is a financial product designed to provide an income stream for a specified period, typically for the duration of a person’s life. Investors can either contribute a lump sum or pay into it over time – like a savings plan – and, in return, gain an income source immediately or for the future, usually when they retire.
“Among the benefits of rolling your 401(k) over to an annuity is it provides you and your family with a more secure retirement savings option while managing the risk of loss from market fluctuations,” said Christopher Perrier, director of life insurance sales for AAA Northeast. “This can serve as a guaranteed income stream for the remainder of your life.”
Rolling Into an IRA Without Weighing Perks and Drawbacks
Rolling over a 401(k) to a rollover IRA, may sound easy, but that could be a mistake as well. Among the drawbacks: Investments through IRAs could be more expensive and the federal government offers more protections for 401(k)s than IRAs. Although some states offer additional protections for IRAs, according to Fidelity.
When you are 73 years old, unless you were born in 1960 or after, you will have to take required minimum distributions (RMDs) annually from the IRA account, even if you have continued to work. You won’t pay taxes or a penalty for moving the money, though, and it is still a tax-deferred account. You can also move the money to a traditional IRA, either existing or new.
Wherever you choose to transfer your money, remember to follow up to ensure there are no 401(k) rollover mistakes and that the transfer is completed. Transactions can be delayed for any number of reasons, and you want to be certain you know where your money is.
