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.
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.
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.
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.
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.
Kenny Wright, driver for Miller Bros., with a 1955 Chevrolet station wagon, NHRA V-Stock class. Wright was photographed in 1970 for "Driver of the Week" for East Coast Drag News magazine at Atco Dragway, Atco, N.J.
Leonard Miller (center) and Kenny Wright (right), awarded Top 10 Award at Atco Dragway, Atco, N.J., October 1970.
Black American Racers mechanic Kenny Wright (left), owner Leonard Miller (right) and driver Tommy Thompson awarded SCCA Northeast first place trophy in 1977.
Leonard Miller with BAR driver Tommy Thompson at The Milwaukee Mile, West Allis, Wis., in 1978.
Leonard Miller with BAR engineer Ron Hines (right) and BAR driver Tommy Thompson in the driver's seat at The Milwaukee Mile, West Allis, Wis., in 1978. (All photos courtesy of the National Museum of American History, Smithsonian institution)
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.
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.
Gasoline prices in the Northeast begin this week a hair lower than the week before, as petroleum markets digest the ramifications of a 10% tariff on Canadian oil imposed by President Donald Trump over the weekend.
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.
These young travelers have specific interests — and expectations — when it comes to getting away. Here are a few trends and tips to help you stay savvy.
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.
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.”
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.”
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.
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.
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!
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.”
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
An icy windshield can be expected on a frigid winter morning, but it’s not exactly welcome (especially if defrosting is going to make you late.) While windshield wipers may take care of a light freeze, wipers or even an ice scraper alone are no match for a thick layer of ice. That’s when you’ll need to use winter wash fluid.
Learn how windshield de-icers work so you can be safely on your way.
Standard Windshield Wiper Fluid vs. De-icers
The type of fluid you choose to put in your wiper fluid reservoir may not seem important, but it makes a big difference when you’re trying to deal with winter weather. Standard windshield wiper fluid is designed to clean – whether it’s dirt, road grime or bug guts – but it’s not especially effective at breaking through ice and may freeze in cold weather, causing damage to the washer system.
In winter, use winter wash fluid, a washer fluid that’s also marked as a de-icer and remains liquid at temperatures down to at least minus 20 degrees. These are specially formulated to protect against freezing and can melt a thin layer of ice. Some popular brands include Rain-X, Peak and Prestone.
How Do Windshield De-Icers Work?
Using a winter wash fluid helps to quickly clear light ice and keeps it from building up as you drive. However, it might not be enough to break through a thick coat of ice on its own.
You can take out the ice scraper, which is smart to have in your car in the winter months, but there are also spray-on de-icers to make short work of the job. Simply spray the windshield with the de-icer, and within a few moments, the ice will start to melt. After that, all you need to do is hop behind the wheel and turn on the wipers to clear the last of the ice.
Some de-icers conveniently come with a built-in ice scraper.
What Not to Do to Clear the Ice
Never put hot water on your windshield to melt the ice.
Yes, hot water melts stuff, but you don’t ever want to put hot water on your windshield. Not even a little bit. Heat makes things expand and throwing hot water on a cold windshield makes the glass expand very quickly. This can cause your windshield to crack, sometimes in very dramatic fashion.
Even if the windshield doesn’t break, this method leaves you with a wet pane of glass, which is likely to refreeze and leave you right where you started.
An Ounce of Prevention
If there’s the option to park your car in a garage, then that’s where it should be parked. Even a covered car port can reduce or eliminate the amount of ice that builds up on your windshield. Failing those two options, you can simply cover the windshield. A tarp or large towel will do the trick, just make sure it’s secured so it doesn’t blow away in the middle of the night. Tucking it under the wipers is usually enough to keep it in place.
Windshield covers are readily available at most auto supply stores and come weighted or with built-in magnets. But be careful – if your car is dirty, any grit trapped between the magnet and the metal could scratch the finish of your vehicle.
Wiper fluid, winter wash fluid and most kinds of sprays contain chemicals, such as alcohol, which are potentially harmful and in some cases flammable. Avoid contact with your skin and eyes, don’t inhale the fumes and make sure children and pets aren’t exposed to these treatments, especially if something drips onto the ground. The alcohol in some spray de-icers can also remove wax. Cleaning the car and reapplying wax when the weather gets warmer is time well spent.
It’s also important to fully and completely clear your windshield (and entire car) of ice before you drive away. Do not be the person with a tiny peephole scraped into the ice at eye level. The windshield needs to be free of ice so you can see the road and everything around you. Not clearing your windshield could get you pulled over by the authorities and, depending on where you live, include a hefty fine. It’s better to be a few minutes late than risk a crash.
Now that you know how windshield de-icers work, learn how to clear snow and ice from the rest of your car.
Identity theft is one of the most common types of fraud affecting consumers today. After obtaining another’s personal information or data, thieves use it to rack up credit card charges, apply for documents and even transfer property. Besides the financial losses, victims face months of stress as they clear their names, change passwords and resecure their personal information.
The best way to protect yourself from identity theft scams is to safeguard your personal information and know what to look for. While identity theft methods are always evolving, there are a few common threads. One certainty: Scammers focus on easy targets.
Here are some identity theft ploys to be aware of and ways to protect yourself all year.
Take control of your identity with ProtectMyID® from AAA, fueled by Experian®. ProtectMyID Essential isfree for AAA members.
Online Shopping Scams
Online shopping scams can consist of fraudulent websites, credit card fraud, gift card scams and hacking public Wi-Fi to get sensitive information. They are especially common during the holiday season when online shopping is at its height, and when shoppers typically overlook red flags.
How to avoid these scams:
Always make purchases on secure Wi-Fi networks or use a virtual private network (VPN) when one isn’t available. Only shop from trusted and familiar retailers whose website URLs begin with “https” to indicate they securely encrypt your information. Review your accounts and statements regularly to ensure no fraudulent action has taken place. If you see an unfamiliar charge, report it to your bank immediately for dispute.
It’s generally safer to use credit cards rather than debit cards for online purchases since credit card purchases aren’t tied to your personal funds. And as an added measure of safety, avoid storing your credit card information on shopping websites. Manually entering your account information may feel like a chore, but it’s worth the extra effort. If you lose a device, a cybercriminal could have easy access to stored account details to make fraudulent purchases or sell your account information.
Learn how AAA members can save on Norton 360 subscriptions, which provide a password manager, real-time threat protection, cloud backups for your information, a secure VPN, dark web monitoring and more.
The Phishing Scam
This popular identity theft racket occurs when scammers send you an email disguised as a message from a legitimate business or organization in hopes that you will provide them with personal data such as account numbers, passwords or your Social Security number. These emails often are very cleverly crafted, using exact logos and return email addresses that seem legitimate.
How to avoid this scam:
Never click through links on emails unless you know the sender. Never send secure personal data in an email. If a business claims it needs to confirm your personal information, close the email and log into your account through the official website to update your information. You may also want to contact the business to confirm it did not send the email and alert staff to a potential scam.
IRS Refunds and Winning Lottery Scams
You’ve heard the saying, “If it’s too good to be true, it probably is.” Keep this in mind when you get emails or phone calls suggesting that you’re about to be rich. Scammers will send out official-looking letters or emails with news of huge IRS refunds or lottery winnings – all you have to do is send them your bank account number so they can deposit the funds. Once criminals have your bank account number, they can do all kinds of financial damage.
How to avoid this scam:
The IRS only will contact you with a letter sent to your home address. Never give your bank account number to anyone you don’t know.
Medical Identity Theft Scams
A thief can steal your personal information and use your identity to see doctors, obtain prescriptions or file claims with your health insurance provider. Not only does this scam cost insurance companies millions of dollars each year, but it could also affect your own medical records, treatment plans and possibly your credit score.
How to avoid this scam:
Ensure that your doctor’s office keeps medical records in a secure area. Ask for an insurance card without your Social Security number on it. Read insurance and medical statements regularly for any signs of abnormal activity.
Confirming Your Information Scams
Scammers pose as officials from your bank or credit card company and ask for your account numbers, passwords or pin numbers in order to update their records. Sometimes they will ask for the three-or-four-digit security number from the back of your credit card. Calls or emails requesting this information should never be trusted.
How to avoid this scam:
If you suspect a call is fraudulent, immediately ask for the person’s name and phone number. This may be enough to scare them off. Regardless, hang up the phone without giving them your personal data, and call your bank or credit card company right away.
How to Protect Yourself From an Identity Theft Scam
You can take steps to protect yourself and your loved ones from identity theft. Here are a few more tips to evade scammers.
Never give out personal information over the phone or through email. If someone calls you claiming to be your doctor, bank, credit card company, etc., ask for their phone number and tell them that you will call them back later. If they suggest calling you back at a more convenient time, hang up, and immediately call the company and ask if they were trying to reach you.
Keep tabs on your credit report. If your personal information has been stolen, you will almost definitely see signs of it in your credit report. Many credit cards offer credit report monitoring free of charge. You are also entitled to one free credit report annually from AnnualCreditReport.com.
Report potential scams to the FTC. The Federal Trade Commission may not investigate every individual claim it receives, but it will document them to look for trends and signs of large-scale fraud. Use this link to file a fraud complaint with the FTC.
Discuss identity theft with your family members. Children, teens and the elderly are the most vulnerable to identity theft scams. Discuss the latest scams with your family and remind them not to share their personal information with callers or over email.
Are you a small business owner? Don’t leave your business uncovered. Sign up for small business insurance with AAA.
Have you ever been the victim of an identity theft scam? Share your tips for avoiding scams in the comments.
This article has been updated and republished from a previous version.
Northeast gasoline prices aren’t moving much thanks to lower oil prices, falling gasoline demand and market uncertainty as a new administration moves into the White House.
Last week, according to the Energy Information Administration (EIA), gasoline demand dipped to 8.08 million barrels a day — the lowest level in a year — as millions of Americans endured snow and bitter cold, particularly across the south.
Another factor easing pressure on gas prices is lower oil costs. The price for a barrel of crude fell between $3 and $4 last week, reversing a monthlong trend of increasing crude prices. Petroleum markets are pricing on expectations that the new administration will push for increased crude production around the world.
As demand cools, so does gasoline production. The EIA last week reported a sizable drop in domestic refinery utilization — a measure of how much refining capacity is being used — from 91.6% to 85.9%. Market observers believe the lower utilization rate is a sign that winter maintenance is underway at several facilities. While less refining activity can support higher gas prices in general, the short-term impact is unlikely to be significant thanks to ample supply. Nationwide, gasoline stocks climbed 2.3 million barrels last week to 245.8 million barrels. That’s just 1.5 million barrels below the five-year average.
“Historically, pump prices are lower in the depths of winter as people drive less,” said Jillian Young, director of public relations for AAA Northeast. “What’s unusual is for the snow and cold to have such an impact on demand in southern states.”
AAA Northeast’s Jan. 27 survey of fuel prices found the current national average unchanged from last week, averaging $3.12 gallon. Today’s national average price is 9 cents higher than a month ago ($3.03) and 2 cents higher than this day last year ($3.10).
Region
Current Price*
One Week Ago
One Month Ago
One Year Ago
New York State
$3.17
$3.16
$3.12
$3.26
Utica, N.Y.
$3.30
$3.30
$3.30
$3.26
Connecticut
$3.09
$3.08
$3.02
$3.17
Massachusetts
$3.03
$3.02
$3.02
$3.12
Rhode Island
$3
$2.98
$2.94
$3.03
*Prices as of Jan. 27, 2025
As of Jan. 27, Oklahoma and Mississippi have the lowest prices in the nation at $2.67.Hawaii and California hold the highest prices in the nation this week at $4.54 and $4.45, respectively. New York holds the 13th place on the list of highest gas prices in the nation.
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.
Car insurance scams are illegal schemes that involve drivers, body shops or towing companies who try to cheat the system and make money. Unfortunately, even if you have never been directly involved with an auto insurance fraud incident, all policyholders end up footing the bill through higher premiums.
“Fraud costs. It’s rampant and everybody pays as a result,” said AAA spokesman and Senior Manager of Public Affairs Robert Sinclair.
We’ve put together a list of some of the most common car insurance scams, so you can do your part to combat this widespread issue and avoid becoming a victim.
Auto Insurance Fraud Affects Everyone
Auto insurers lose at least $29 billion a year due to insurance scams, according to the most recent numbers from the Insurance Information Institute. And because it is so common, fraud is accounted for in all auto insurance policies, especially in places where it’s more prevalent.
Insurance companies determine their rates, at least partially, based on losses. So, the more losses – or claims – filed in a specific city or state, the higher premiums are likely to be. Additionally, fraud can slow legitimate claims and, in some cases, present the possibility of physical danger.
Types of Car Insurance Scams
Counterfeit airbags
In these cases, repair shops replace legitimate air bags with cheap knockoffs to save themselves money or, in more extreme cases, fill the air bag area with other materials.
Parking lot scams
If a stranger approaches you in a parking lot, claims to be with an auto repair shop and offers to provide services, whether it’s fixing a windshield or repairing a dent, don’t fall for it. This is nearly always a scam. Once the person obtains your insurance information, they can submit false claims under your policy, which you’ll later have to clear. All the while, these false claims will raise your premium.
Agent fraud
There are several common scams that involve unscrupulous agents. On some occasions, agents have been known to steal premiums outright, pocketing the money and not actually setting up the coverage. Another common fraudulent practice is known as “sliding,” in which an agent slips extra coverage that you didn’t ask for into your policy. This can add a few hundred dollars to your premium, all the while padding the agent’s commission. As always, you can avoid such scams by working with a company you know you can trust for your auto insurance needs, like AAA Insurance.
Staged accidents
Of course, some examples of fraud come from the drivers themselves. In some incidents, known as “swoop and squats,” two drivers collaborate to trap a victim. One person drives alongside the victim, while the second swoops in front of them, stops and causes a rear-end crash.
Some scams are pulled at the scenes of legitimate accidents. Drivers involved in the crash, but who are not at fault, might cause additional damage to their own vehicle to increase the claim. Lastly, be wary if you are in a legitimate crash and someone at the scene attempts to advertise the services of specific repair shops or lawyers. If you give them your information, they could submit fraudulent claims using your name.
Another type of staged accident known as a “panic stop” requires two merging traffic lanes. When one driver attempts to merge into the next lane, he is waved forward by a driver who then crashes into the victim and later claims they didn’t know the victim was going to merge.
Auto premium evasion
These scams involve customers purposefully misleading their insurance companies by providing a fake address from a lower premium area when they register their vehicles. In some other instances, drivers deliberately fail to add a new driver in their household – such as a teenager – to the family policy. These types of fraud are said to cost the auto industry billions of dollars every year.
Other scams
Some other types of insurance scams include filing more than one claim for a single injury, providing incorrect information while getting a quote, buying a policy after an accident has already occurred, filing a claim for injuries unrelated to an accident, misreporting wages lost due to accident-related injuries, reporting higher repair costs than those paid to the mechanic or falsely reporting a vehicle as stolen.
Auto Insurance Fraud Laws
Making fraudulent car-related claims is a crime in all 50 states, although punishments vary state-to-state, and a majority of them have established bureaus to conduct auto insurance fraud investigations.
Fraudulent claims can be either a felony or misdemeanor, depending on the nature and extent of the scam. “Soft fraud” refers to scams when a person exaggerates an existing claim, such as overstating the damages caused by a crash. These types of scams are typically considered misdemeanors. Auto insurance fraud penalties for such scams often include fines, jail time of up to a year, community service or probation.
“Hard fraud” occurs when a person either causes or fabricates a loss for the deliberate purpose of receiving insurance payments. These cases are nearly always considered felonies and result in much stricter insurance fraud punishments, such as incarceration in prison for a number of years.
Although there are likely numerous types of behavior that could prompt an auto insurance fraud investigation, top giveaways include claimants appearing calm and unflustered after having submitted a large claim, handwritten receipts for repairs on a covered item and someone adding to or increasing their insurance coverage before submitting a claim.
Protect Yourself From Car Insurance Scams
If you are involved in a crash, there are several important steps you should immediately take that can help prevent you from becoming a victim of fraud. One of the best defenses available to drivers is their camera.
“Take lots and lots of photographs – of the other vehicle, the registration and inspection stickers, of the scene, the damage, the license plate,” Sinclair said. “And, if you can, take a photograph of the other driver. Also, have as much insurance coverage as you can afford – and then some more. Get an umbrella policy in addition to your normal vehicle policy.”
At the scene of the crash, it’s also a good idea to take photos of road signs or anything else that can identify the area where the incident took place. Take notes and jot down the name, address, phone number, driver’s license number and auto insurance information of everyone involved in the crash.
A police report helps protect you against people committing fraud who might further damage their own car following the accident to pump up their claim. So, be sure to call 911.
And, as mentioned before, be wary of those who immediately appear after a crash and attempt to be helpful by advising you to take a particular service provider, whether it’s a towing company, doctor, attorney or auto body shop. Never sign a blank claims form.
Lastly, contact your auto insurance carrier immediately after the crash, regardless of whether you believe you’re at fault. Don’t admit fault to anyone at the scene.
