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.

Explore Kentucky’s Horse History

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

Get a Run for Your Money at Keeneland

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

Where to Eat

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

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

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

Where to Stay

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

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

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

Here are some tips to help you get the most out of your puzzle playing experience. Good luck!

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.”

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

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.

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.

The Rooms

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

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

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 4^th 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.

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

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

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.

Use your AAA discount to save at NAPA Auto Parts.

A Word on Safety

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 is free 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.

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 13^th 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.

If you need a tow, go to AAA.com/GetMoving to request AAA’s 24/7 Roadside Assistance. And always use a reputable auto repair shop. The AAA Approved Auto Repair Facility Locator can help you find one near you.

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.

Learn more about auto insurance with AAA. 

Tell us your thoughts about car insurance scams in the comments below.

Millennial travelers know what they want when it comes to travel, and they aren’t afraid to scour the web for the best options, itineraries and deals to get where they want to go.

Keen to explore new countries and experiences with their extended families, including young children and older parents, these mature travelers (ages 28 to 43) with financial security don’t flock to trendy destinations because an influencer told them to. Rather, their curiosity, convenience and personal interest guide them to curate meaningful travel on a mission. And most likely, those destinations are abroad.

AAA travel advisor David Murcko, a world-traveler since childhood, says travel is very personal, so it just depends on the client, what they happen to need in the moment and their travel companions.

These are his top insights for millennial travelers who want to get away this year or – better yet – plan for next year.

Unique Destinations

The easier a destination is to access – including one or two flight layovers – the more likely millennials are to go there, Murcko said, unless “they have been saving up for a special occasion, like a graduation. Then, they say, ‘let’s go to Europe.’” Recently, Murko has found Italy, Croatia and Ireland to be some of the most popular getaways. While he highly recommends Romania and Hungary, destinations in Southeast Asia are also on the top of his list, including Vietnam and Thailand.

The Caribbean is also a hot spot for this age group seeking a carefree beach escape, while he has recently booked trips to far-flung destinations like a couple’s getaway in Japan, a honeymoon in Bora Bora and family-friendly school vacations to Walt Disney World.

“Travelers from the U.S. want to explore the country [they are visiting],” Murcko said. “I just recently helped someone who is following Taylor Swift, and they were looking at ideas, itineraries and stuff to do around Dublin.”

Tech Savvy

Millennial travelers are independent, knowledgeable with technology, and start their research as much as six months in advance, according to the analytics firm Morning Consult. So, by the time they find travel advisors like Murcko, they have their plan in place and need help tweaking and confirming final arrangements.

“I’ve had people come in with an idea, they had done research on their own, but they had too much, and they just wanted to brainstorm,” Murcko said. “It’s like they needed that assurance of, ‘Does this sound good? Have you been here?’ that sort of thing.”

Be FIT or Go Guided

Foreign Independent Travel (FIT) is the traveler’s version of DIY, where the traveler books everything themself. They select the flight, hotel, car rental, insurance and build their own package a la carte, Murcko said.

With a guided trip, however, there’s a set itinerary where the transportation and hotels are all built in and booked by an agency.

“I think what people in this age range don’t like about guided travel is the misconception that there’s no free time, which is definitely not the case. They always schedule free time for guided trips,” Murcko said. He took a guided tour in Turkey earlier this year and would recommend it whole-heartedly.

“You usually have a few hours to yourself, and you do what you want,” he adds. “Go get lost, do whatever.”

Taking Their Time

Whereas younger Gen Z travelers hop on a plane for a long-weekend trip to appease their wanderlust and maintain their modest finances, Millennials do not travel in short bursts of time. And while they are budget conscious, they are willing to spend on the ideal vacation that hits all their points. They arrive in a single country, stay for a week or two and settle in. They will try to learn about the customs and culture, and if they already speak some of the foreign language, they will try to improve their fluency while abroad.

“Millennials are not traveling to different areas, but they just stay in one place and explore, get to know some of the off-the-beaten-path stuff. They don’t hit the tourist traps. They want to see more of the culture, the history and not necessarily where everyone else goes,” Murcko said. “I always tell people, ‘When you go to a place, try to learn the culture, try to learn the customs, try to speak the language if you can.’”

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

Cruise passengers unpack just once yet repeatedly wake up in different destinations. It’s a magical formula for exploration, even before factoring in the watery vistas! And ensuring a smooth sail is as simple as knowing your ABCs.

A – Apps

They’re like downloading pocket-size, personal cruise directors! Printed planners detailing daily activities still exist, but apps are making them obsolete by offering additional research functions, deck plans, destination maps, messaging and reservation capabilities, bill tracking and more. Some even control features such as cabin lights and shades.

B – Budget

Curtail onboard spending with packages purchased prior to boarding. Look for deals on beverages, specialty dining, shore excursions and internet, but always check the math while bearing usage in mind.

C – Cabins

Like on land, shipboard real estate is about location. Cabins on upper decks cost more than the exact same cabins on lower decks. Plus, you’ll pay for being centrally situated. Windowless inside cabins are undeniable bargains, if used simply for sleeping, but nothing delivers a worthwhile sense-of-place better than a private balcony. So, splurge assuredly! Avoid anything below the pool deck or near noisy entertainment venues, elevators and the anchor. For less motion, go midship on a lower deck. And, when traveling with a group of friends or family, ask if balcony partitions can be removed to make a communal outdoor space.

D – Dining

Fee-based specialty restaurants can be a gourmand’s nirvana, where culinary excellence melds with amazing showmanship — like Celebrity Cruises’ animated Le Petit Chef experience, Norwegian Cruise Line’s theatrical teppanyaki tables and Royal Caribbean’s whimsical, down-the-rabbit-hole Wonderland eatery — but it’s hard to beat the elegance and grandeur of the main dining room on a ship. And everything is included. So, give the escargot a try, along with other bites you might have passed on for fear of disliking them and wasting money. If you end up hating something, just swap for something else. There’s no better opportunity to broaden your palate.

E – Embarking

Arrive early or late, but don’t get stuck in the middle where serpentine lines choke out cruise spirit! Also, since you’ll be separated from checked luggage for a while, bring a carry-on with essentials and a bathing suit if you plan to hit the pool deck. If there’s an escorted ship tour, take it.

 F – FOMO is real

Accept the fact that you can’t do everything, especially right away. The decks of megaships from Carnival, Disney, Norwegian and Royal Caribbean are stacked with wild attractions. Picture roller coasters, water parks, go-karts, skydiving simulators, ziplines, slides and more. Some ships even stage licensed Broadway shows. Daily activity rosters propose everything from enrichment lectures to line dancing. Live music is always on tap, and with the exception of Disney and Viking, you’re bound to find a casino calling.

G – Gratuities

Most cruise lines charge a daily fee covering food servers and cabin stewards, alleviating the need to tip directly. Automatic gratuities on bar and spa bills are another trend, so be aware to avoid double tipping.  

H – Homeports

Skip the stress of flying and sail from a convenient, drive-to homeport, where you can parlay the savings into an upgraded experience or maybe a second cruise. Homeports in the Northeast include Boston, Bayonne, N.J., (Cape Liberty) and two in New York City (Manhattan and Brooklyn).

I – Itinerary

Nothing beats the calm wash of the Caribbean for testing one’s sea legs. It’s cruising’s most popular destination, promising year-round itineraries of all lengths. Alaska ranks second among American travelers, but a growing demand for world cruises proves the entire globe is in play.

J – Join

Participating in group activities is a surefire way to meet like-minded travelers, especially if cruising solo. Joining communal dining tables is another easy icebreaker. Plus, online platforms help acquaint passengers even before boarding.

K – Kids

The gangway’s open, and not just on Disney ships. Mainstream lines have dedicated kids’ clubs brimming with toys and tech gadgets. Supervised, age-specific programming is the norm, including hip haunts for teens. You’ll even find luxury lines catering to kids during school breaks. Viking’s adult-only ships are the exception.

L – Lingo

Embrace some sailor-speak, especially directional nautical terms such as port (left) and starboard (right). Tendering, the process of using small boats (tenders) to access the shore from a ship at anchor, is key, too. Logistically, tendering takes extra time and presents accessibility challenges to consider.

M – Multigenerational

There’s something for everybody aboard today’s big boats. Family members can scatter to pursue individual interests and then easily come together for shared meals, family-friendly shows and agreed-upon activities.

N – Naps

Schedule some, because nothing compares to the awesome snoozing only the cradle of the sea can induce.

O – Opinions

Everybody has one, but when it comes to cruise planning, the advice of a seasoned travel advisor is priceless. Aside from facilitating a good lifestyle fit with a line and ship, your advisor can help address pop-up issues and secure perks. Onboard, engage the crew. They’re well-traveled, know the ship and love sharing insights.

P – Packing

Go light or you may likely go home regretting it. Cruising has become less formal, although it’s still a fun opportunity to don a dazzling outfit. Bring space-saving storage, such as hanging toiletry bags and magnetic hooks, which work great because ships are mostly metal. Avoiding overpacking also leaves room for acquired treasures!

Q – Quiet

Even on energetic, city-size ships peaceful nooks abound, but intimate ships can elevate quiet moments to an art form.

R – Reservations

Don’t wait till you board to book shore excursions, special occasion dates at alternative restaurants, spa appointments on sea days and even seats for some shows. With online and app portals to make reservations in advance, popular slots go quickly.

S – Size

It matters, and age isn’t just a number. The biggest and newest ships sport all the eye-popping amenities lines love to tout. However, if you’re seeking pure seafaring luxury and personalized service, smaller ships from Oceania, Regent, Seabourn and Viking excel.

T – Tours

Ship-organized shore excursions are the safest and most convenient (but not necessarily least expensive) way to tour ports. Exploring independently, while preferable in easy-to-navigate ports, requires research and good time-management. Ships will wait for passengers on a late-returning shore excursion but won’t extend that courtesy to those touring independently.    

U – Unplug

For sanity and to spare unexpected roaming fees, turn your phone off. Or, at least put it on airplane mode.

V – Views

Some ships are so commanding you can forget you’re at sea. From the bow, watch the slippery edge of the horizon disappear. Then, head aft, where the ship’s lacey wake stretches out like a roadway marking your journey. Savor every sail-in/sail-out.

W – Wellness

Beyond the bountiful buffets and the lido lounge chairs, spectacular fitness facilities beckon. Look for gyms sporting the latest equipment (Peloton bikes, Pilates apparatus, etc.), boxing rings, rope courses, yoga classes, meditation sessions and spas adorned with thalassotherapy pools. Sea-salt scrubs are so apropos! Plus, spa-centric staterooms and dedicated spa restaurants make getting fit while afloat an immersive affair.

X – Xanadu

Cruise line private islands fit the bill. They stand out as the most popular stops on Caribbean voyages.

Y – Yes

Just say it and set sail. Statistics show you won’t regret the decision.

Z – Zen

Find yours. From the latest leviathans to sublime small ships, riverboats to rugged expedition vessels, there’s a cruise line and a soulmate ship for anyone who wants to sail away.

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

Tell us your favorite thing about cruising in the comments below.

Featured image: Royal Caribbean Anthem of the Seas.

Life insurance is one of the best ways to ensure your loved ones are financially secure when you’re no longer around to provide for them. Despite its importance for a bright financial future, life insurance still has a reputation for being a bit confusing.

From annuities to underwriting, life insurance terminology can pose a barrier to fully understanding a policy, which isn’t an ideal scenario for either the customer or the company providing the policy. Getting to know life insurance terms is a win for everyone involved and helps to demystify the process as a whole.

While specific policies differ from company to company, there are some standard terms that are used across the life insurance landscape. Keep the following glossary handy any time you’re starting, updating or simply reviewing your life insurance policy.

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Annuity

An annuity is a contract that provides you with regular income for life (or a set time period) that’s paid out by your insurance policy.

Beneficiary

A beneficiary is the person (or people) you designate to receive compensation if something happens to you.

Cash Surrender Value

Cash surrender value is the amount of money you would get if you canceled your policy before it pays out – typically minus fees and loans.

Direct Response

Direct response is a type of insurance with no middleman. It’s sold straight to you via mail, online or in-person.

Dividend

A dividend is a little bonus you may get back if your life insurance company overcharged for your policy.

Face Amount

Think of face amount like face value: It’s the payment amount on your policy that doesn’t include any extras.

Insurable Interest

Insurable interest is the reason for insuring someone, like love, family or financial ties.

Insurer vs. Insured

The insurer is the company that provides the policy, and the insured is you (or the person covered).

Lapse

When a policy becomes inactive because premium payments haven’t been made.

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Life Insurance

A policy that acts as a financial safety net for your loved ones if anything happens to you. It’s like saying, “I got your back – even if I’m not around.”

Non-forfeiture

Non-forfeiture means that if you stop paying your premiums, you won’t lose everything, and you can instead choose options like taking cash or reduced coverage.

Participating and Non-participating Policies

A participating policy type may offer a piece of the company’s profits as a dividend. A non-participating policy does not.

Policy Proceeds

Policy proceeds are the funds your policy pays out when it matures, or someone claims it (i.e. your beneficiary).

Premium

The regular payment that’s made to keep your policy active. Sort of like a gym membership, but instead of working out, it’s ensuring your loved ones are financially healthy.

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Rating

A rating is an extra charge added to your premium if you are considered a higher-than-average risk.

Rider

Just like how celebrities can add expensive coconut water to their dressing room riders, a life insurance rider is a little add-on to customize your policy (like extra coverage or specific inclusions).

Standard Risk

The classification of a person applying for life insurance coverage that falls under the average standards on which premium rates are based.

Supplementary Contract

A separate agreement for how the policy payout will be managed (installments vs. lump sum, etc.).

Underwriting

The process of underwriting is like choosing your fantasy team. Both use “stats” (in this case, medical history and lifestyle habits) to evaluate risk and determine the best outcome (cost and type of coverage).

Learn more about life insurance through AAA.

While seeing your home decorated with long, sparkling icicles hanging down from the roof might look pretty enough to paint, ice dams can cause damage to the interior and exterior of your house. The key to ice dam prevention is staying on top of regular home maintenance before and during the winter.

What Are Ice Dams?

Created by melting snow running down from the roof and refreezing as the temperature drops, ice dams form at the cold eaves of the house and jut down like frozen stalactites. This barrier of ice prevents melting snow from getting the proper drainage that it needs, causing water to back up and possibly leak through the shingles, down into the home.

What Causes Ice Dams?

Ice dams need three things to form:

• Snow.
• Heat from a building.
• Cold air to refreeze the melted snow into solid ice.

“In New England, ice dams tend to form in more northern exposed parts of the roof because of the limited sun that they get,” said Jodi DeSantis, vice president of insurance sales for AAA Northeast.

As water continues to melt and refreeze, it can cause the dam to get bigger and bigger. “What happens over time is that the forming ice tends to clog any gutters, and subsequent melting and freezing cycles will start to form these huge icicles hanging off of the roof’s edges,” DeSantis said.

Ice Dam Damage

National data collected between 2018 and 2022 lists water damage and freezing among the most common homeowners insurance claims, according to the most recent report from the Insurance Information Institute.

For some homeowners, the weight of ice dams can rip off gutters or lead to broken shingles. But it’s the resulting water damage that can be the most devastating. Water damage caused by ice dams can be extensive and expensive, affecting ceilings, walls and insulation, and can eventually lead to issues with mold.

Water stains on the ceiling or walls are usually the first sign of damage caused by ice damming.

Ice Dam Prevention

To avoid the potential risks, knowing how to prevent ice dams is imperative. If you start to notice an issue with ice dams forming on your home, there are some precautions you can take.

Add Insulation

Adequate attic insulation is one way to winterize your home, which keeps the heat inside your house from escaping into your attic and prevents snow from melting too fast. Proper attic venting also helps to maintain a cooler temperature on your roof.

Clean the Gutters

To lessen the chance of ice building up around gutters, you should try to clean out leaves and debris before the first snow.

How to Get Rid of Ice Dams

To decrease the chance of ice damming, “the only thing you can do is to get rid of the ice as quickly and as safely as possible,” DeSantis said.

Immediately after a storm, use a roof rake to clear as much snow off as you can, even if it’s just around the gutter line. Do not climb onto the roof to do this. If you need a more thorough cleaning, consider hiring a contractor to do the job for you.

Longer-term solutions include replacing your roof and gutters, especially if they appear worn out. A qualified roofer should inspect your roof every three years for leaks, cracks and other faults, according to the National Association of Home Builders.

How You Are Covered

Standard homeowners insurance will generally cover water damage or any roof damage that occurs as a result of ice dams, though you may need to pay a deductible. If you own a condominium, Unit Owners Building Property Endorsement Special Coverage (often called Unit Owners Special Coverage A) broadens condo coverage to what are referred to as “open perils,” and allows for the coverage of ice dams. Without this coverage, many insurance companies will not cover ice dam damage on a condo.

Once ice damming damage has occurred, there is a typical requirement that obligates the homeowner to take the necessary action to limit any further damage such as moving furniture or artwork from the path of the water coming into the house.

Ice dams can be destructive, but extensive damage can be thwarted with preventive home improvements and maintenance. Preparing your house for wild winter weather will save you money and stress in the long run.

Have you ever experienced any trouble from ice damming? Tell us about it in the comments.

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

Strong demand for home heating oil and new, tougher U.S. sanctions against Russia — the world’s second-largest oil producer — pushed crude prices up 2% last week to levels not seen since mid-August. Oil prices have risen for four straight weeks, which has led to gasoline prices in commodities markets jumping by nearly 8% over the past month.

Adding to the upward momentum is demand for both oil and gasoline. Last week, crude inventories fell by 2 million barrels to 412 million barrels. That’s 17 million barrels below last year’s figure and far below the five-year average of 440 million barrels, according to the Energy Information Administration (EIA). Meanwhile, demand for gasoline was higher than the comparable weeks of 2021 through 2024, surprising some market watchers who expected lower figures due to snow and cold, which typically suppresses demand.

The rise in pump prices is being tempered somewhat by strong inventories of gasoline. The EIA reported another large build in gasoline inventories last week as refiners maintain high output through the winter. Supplies were up 5.9 million barrels — the third straight week of inventory builds above 5 million barrels — and inventories have risen by 36.7 million barrels since mid-November. In the Northeast, gasoline stockpiles now stand about 500,000 barrels above the five-year average.

“The price for a gallon of gasoline can fluctuate week-to-week on supply and demand factors, geopolitical developments and the weather,” said Jillian Young, director of public relations for AAA Northeast. “But ultimately, the price for a barrel of crude oil is the leading indicator for gas prices.”

AAA Northeast’s Jan. 20 survey of fuel prices found the current national average up 6 cents from last week ($3.06), averaging $3.12 gallon. Today’s national average price is 7 cents higher than a month ago ($3.05) and 4 cents higher than this day last year ($3.08).

Region	Current Price*	One Week Ago	One Month Ago	One Year Ago
Connecticut	$3.08	$3.03	$3.03	$3.14
Massachusetts	$3.02	$3	$3.02	$3.12
New Jersey	$3.10	$2.99	$2.91	$3.07
New York	$3.16	$3.13	$3.13	$3.26
Rhode Island	$2.98	$2.94	$2.95	$3.02

*Prices as of Jan. 20, 2025

As of Jan. 20, Mississippi and Texas had the lowest prices in the nation at $2.68 and $2.71, respectively. Hawaii and California held the highest prices in the nation at $4.53 and $4.45, 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.

With temperatures expected to dip into the single digits this week, homeowners across the Northeast might be worried about the potential for winter-related damage to their properties – and rightly so: In 2022 alone, cold weather and winter storms caused nearly $6 billion in insured losses in the United States, according to the Insurance Information Institute. 

The most common types of insurance claims related to severe winter weather include frozen pipes, ice dams building up along roof edges, damage from falling trees and limbs and even house fires. 

Fortunately, a few preventive measures can reduce the risk of a winter catastrophe, starting with a review of your existing homeowners insurance policy to ensure any potential disaster is covered. Water damage from a leaking pipe or an ice dam that sends water through the roof may be covered by a typical homeowners policy. But flooding caused by other events, such as rapid snow melt, may require a separate flood insurance policy.  

“‘Winter storms are not typically thought of as natural disasters, but they can cause significant damage in the Northeast,” said Greg Smolan, vice president of insurance operations for AAA Northeast. “Taking preventive measures will help minimize the risk associated with winter weather.” 

AAA Insurance recommends that all homeowners take these steps to effectively winterize their homes for safety and to avoid costly repairs: 

• Clear gutters and downspouts of debris to allow melting snow and ice to flow freely. To help prevent ice dams from forming, keep the attic well-ventilated and the attic floor well-insulated. Heat tape may also help prevent ice buildup and can facilitate melting.  

• To prevent pipes from freezing and bursting, insulate exposed pipes, seal cracks in outside walls near pipes, keep cabinet doors on exterior walls open and keep a slow trickle of water flowing through unprotected pipes during cold spells.  

• Know the location of the main water shutoff valve: If your pipes freeze, the faster you shut off the water, the better chance you have of preventing them from bursting and causing major damage.  

• Ensure your heating system is up to snuff by having the furnace, boiler or chimney serviced at least once a year. Be sure to have ducts, vents and filters inspected. 

• Check your smoke and carbon monoxide detectors: Residential fires and carbon monoxide poisonings increase in the winter as people rely on indoor fires and heating systems. Detectors should be checked at least twice a year. 

• Follow all safety guidelines when using supplemental space heaters to prevent electrical fires or fires caused by the placement of heaters too close to flammable materials.  

• Trim trees and remove dead branches: Ice, snow, wind and rain can cause weak trees and tree limbs to fall and damage your car or home – or fall on people walking on or near your property.  

• Clear your driveway and walkway of snow as soon as possible to prevent slips and falls.  

Winter in New England brings many things, but usually snow and more snow. It’s no wonder it’s a hot spot for cold-weather enthusiasts looking to ski and snowboard. And while the Northeast as a whole is a popular hub for winter fun, there’s one area so chock-full of activities and quintessential New England charm that it should not be missed.

North Central Massachusetts, a scenic region covering over 800 square miles with 27 communities and three cities, is not only home to New England’s most accessible ski resort, but it’s also an area known for its farms, wineries, festivals, art scene, family entertainment and more. No matter how you like to spend your winter downtime, you can find it here.

Discover all that’s in store for you in North Central Massachusetts.

Skiing and Snowboarding

Whether you’re a seasoned skier/snowboarder or a novice just learning the ropes, Wachusett Mountain is an ideal place to go to experience some wintery fun. Glide down the mountain’s 27 snow-packed trails, hone your skills on the racing course or simply enjoy an après ski treat (more on that later) – the choice is yours.

Children and beginners have many options when it comes to learning how to ski or snowboard at Wachusett. Lessons are held for all ages starting as young as four years old, in addition to the option of private and adaptive lessons that cater to an individual’s specific needs. Need some new gear before you take off down the slopes? Not a problem. Wachusett’s MTNside Ski & Ride shop offers gear, apparel, accessories and fun Wachusett logo wear that you can proudly sport back home.

After all your exertion on the slopes, there’s nothing better than a warm meal and a cold drink. You’ll find everything from hot cider and coffee (at the Bullock Lodge) to casual pub fare (Black Diamond Restaurant), sandwiches with a view (O’Brian’s Deck Bar & Grill) and local craft beers (Coppertop Lounge), all at your fingertips within the Wachusett resort.

More Winter Activities

If you prefer a slower-paced winter activity, winter hiking and snowshoeing opportunities can be found all around North Central Massachusetts, like at the breathtaking Wachusett Mountain State Reservation or Leominster State Park a bit further north. Check out the Massachusetts Audubon Sanctuary, as well, for a chance to spot some of the many protected local species of mammals, birds and insects.

Ice skating fans have a plethora of skating locations in and around the North Central Massachusetts area to choose from. From outdoor lakes in Barrett Park and Leominster State Park to the indoor Veteran’s Ice Arena and Gardner Veteran’s Arena, there’s no shortage of chances to lace up those skates.

Those seeking to go ice fishing will find the perfect spot over at Asnacomet Pond where trout run abundant.

Family Entertainment

North Central Massachusetts specializes in family fun. At Great Wolf Lodge, your group can enjoy the excitement of a water park in the middle of winter, play a game (or several) of mini golf, rock climb, Build-a-Bear and so much more.

If you’re not looking for an overnight stay, there’s the popular FunStuf PlayAway, an indoor playground with lots of games, inflatable slides, a photo booth and even a giant keyboard, a la the movie “Big.” Launch Family Entertainment in the city of Leominster offer fun for all ages, including bowling, trampoline dodgeball, VR games and more. Or visit Cornerstone Ranch for a charming horse-drawn sleigh ride through the snow (open all winter long through March).

Art, Music, Culture and Entertainment

Head indoors to enjoy all kinds of fine art at one of the region’s museums. Try the Fitchburg Art Museum where the first Thursday of the month is free for everyone, or the Fort Devens Museum in Devens, a welcoming place for Veterans and their families to gather, remember and share the stories. Other great choices include the The Icon Museum and Study Center (housed in a 150-year-old gallery space that includes a terrace, tea room and performance facilities), Gardner Area League of Artists and the Winchendon History and Cultural Center, a supposedly haunted location where you can actually investigate for ghosts!  

If you’re lucky enough to be in town for a concert at the Groton Hill Music Center, this nonprofit educational center is the perfect place to enjoy some of the best performances in the state, including headliners like LeAnn Rhimes and classical shows including the Vista Philharmonic and Yefim Bronfman.

Food and Drink

Arguably one of the best parts of any trip is the great food and drink you get to enjoy as you explore. From fine dining restaurants to family-friendly options, North Central Massachusetts boasts an abundance of culinary experiences. 

It’s easy to work up an appetite while touring the region’s 27 cities and towns. If you start to get hungry while hiking, shopping and museum-hopping, you’re in luck! For lunch, there’s wood-fired pizza, deli sandwiches, familiar fast food options and more. And when you’re ready to relax and dine in style, options range from classic Italian to Brazilian steakhouse.

Beer lovers won’t want to miss some of the best breweries in Massachusetts. Try Wachusett Brewing Company for seasonal draughts like the Frosty Day IPA (fruity and citrusy) or the West Coast IPA (citrus and pine hop). Or visit Thirsty Robot Brewing Company, a microbrewery that specializes in imaginative and flavor-driven small batch beers and New England IPAs.

At Hardwick Vineyard & Winery, the award-winning wines are a winner with the public, as well. Enjoy a glass of Enfield Apricot, Hardwick Honey, Chocolate Raspberry or even Valley Asparagus.

For a quick snack, stop for an apple cider doughnut at one of the many local farms, like Red Apple Farm, Carlson Orchards or Bolton Orchards.

Upcoming Events

Whenever you visit, there is always something fun happening in North Central Massachusetts. Check out the events calendar for trivia, live music and more.

Start planning your North Central Massachusetts trip today.

Funded by the Massachusetts Office of Travel & Tourism.

Nobody likes having to pay tolls, and news of toll hikes rarely sits well with drivers. But the fact remains that tolls play a critical role in our roadway system. They provide significant funds to maintain and improve roads, bridges and tunnels.

Losing just a fraction of toll revenue can be financially damaging to agencies charged with overseeing said roads. Unfortunately, that is precisely what’s happening due to the growing trend of toll evasion. The last several years have seen an increase in the number of drivers attempting to evade paying their fair share of tolls.

Here’s how they do it and how authorities are cracking down.

What Is Toll Evasion?

Simply put, toll evasion occurs when a motorist illegally bypasses a toll without paying the proper fee.

It was a more difficult task back in the day, when each toll booth had a barrier gate that lifted only after the driver paid their fare or had their transponder read. But in recent years, many states have begun transitioning to cashless tolling. Instead of toll booths, these systems use an overhead framework of cameras and transponder readers.

If you have a transponder, the toll process is the same as before. If you drive through a cashless tolling system without a transponder, however, the cameras will take a picture of your license plate. That plate number is then matched to your registration. A few weeks later, a bill will be in your mailbox. The cashless tolling process helps traffic move more freely and improves driver safety. But it also provides toll evaders with an opportunity.

More and more motorists looking to get a free ride are obstructing their license plates as they pass through cashless tolling spots. This can prevent the cameras from picking up the number and, in turn, motorists getting billed.

Toll evaders use a number of creative ways to hide their license plates. Many try to muddy their plates with dirt, paint or grease. Others use plastic covers on their license plates that can distort the numbers when viewed at an angle. These covers are easy to find and even easier to install.

The Rise in Toll Evasion

The increase in cashless tolling has brought with it an increase in toll evasion. In Massachusetts, more than 14,500 obstructed license plates were recorded by the state’s Department of Transportation over a roughly three-year period, from late 2016 to early 2020, according to Boston 25 News. Tinted license plates are legal in Massachusetts.

With tens of millions of dollars on the line, authorities are homing in on toll evaders. In May 2022, the New York State Police, New York City Police, New York City Sheriff, the Port Authority of New York and New Jersey and the Metropolitan Transportation Authority (MTA) announced a joint effort to crack down on toll evasion.

The efforts have been paying off. In 2024, the Port Authority issued more than 7,000 summonses for toll evasion and collected almost $18 million in unpaid tolls and related fees.

New York City Congestion Pricing Evasion

Now the MTA has another toll to monitor: congestion pricing. Three days after it went into effect on Jan. 5, 2025, the New York City Police Department logged 82 violations, arrested two people and took possession of 17 cars for attempting to evade the new law.

The New York City congestion pricing law requires drivers traveling into Manhattan south of 60th Street to pay a $9 toll on weekdays between 5 a.m. and 9 p.m., and on weekends from 9 a.m. to 9 p.m. Drivers pay through their E-ZPass transponders, if they have them. Otherwise, cameras capture the drivers’ license plates and bills are mailed to their homes.

The move is designed to reduce traffic in some of the city’s busiest areas and generate money to improve mass transit systems. Congestion pricing is expected to generate between $500 million and $800 million a year, according to the MTA.

Know the Law (and The Penalties)

Through increased enforcement and sharing of information, authorities can track down violators after the fact. If you evade a toll, it does not mean you have gotten away. By piecing together other images and videos, authorities can often identify your vehicle and, if so, will flag your car.

Every state has a law on the books requiring license plates to be both affixed to the vehicle and legible. Twenty-nine states require cars to have both a front and rear license plate. In Massachusetts, the law reads: “Plates shall be kept clean with the numbers legible and shall not be obscured in any manner by the installation of any device obscuring said numbers.” New York’s law goes one step further, specifying that license plates “shall not be knowingly covered or coated with any artificial or synthetic material or substance that … distorts a recorded or photographic image of such number plates.”

If you get caught breaking these laws, it will cost you. Citations for knowingly obstructing your license plate come with fines upward of $300. Repeat offenders can even lose their driver’s licenses and/or have their cars impounded.

What do you think about what can be done to prevent toll evasion? Tell us in the comments.

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

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

What DMV Services Can Be Done at AAA?

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

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

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

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

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

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

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

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

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

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