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Fall Fun in the Northeast

There’s nothing quite like fall in the Northeast. There are so many ways to celebrate the season, whether you’re headed to the apple orchard, enjoying the colors of the changing leaves or getting ready for Halloween. Looking for ways to fall in love with autumn this year? Leaf it to us, we’ve got the pick of the patch.

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There’s nothing quite like fall in the Northeast. There are so many ways to celebrate the season, whether you’re headed to the apple orchard, enjoying the foliage or getting ready for Halloween.

If you’re looking for things to do this fall, leaf it to us, we’ve got the pick of the patch.

Fall Activities in New England, New Jersey and New York

We’re lucky to live in the best region for fall foliage. People travel from all over the country to see the leaves changing in the Northeast, but we get to enjoy it right in our own backyards.

Check out this fall foliage map, featuring peak leaf forecasts from SmokyMountain.com. We’ve highlighted some of our favorite places and fall events throughout the region to make the most of your leaf-peeping adventures.

Peak Foliage Estimates for the Northeast

Lyman Orchards
Middlefield, Conn.

As a 10th generation farm, Lyman Orchards has been growing everything from apples to corn since 1741, and today, it’s one of the most popular places for fall apple picking. It also features a themed corn maze, horse-drawn hayrides, a stocked farm marketplace and more.

B.F. Clyde’s Cider Mill
Mystic, Conn.

At B.F. Clyde’s Cider Mill, the last standing steam-powered cider mill in the United States, you can watch an apple-pressing demonstration before purchasing your own beverage (plus an apple cider doughnut or two). Eight versions of hard cider and 14 apple wines are available, too.

Damariscotta Pumpkinfest & Regatta
Damariscotta, Maine

This four-day annual festival features events like the pumpkinboat regatta, where enormous hollowed-out pumpkins are raced in Damariscotta Harbor. Other events include the pumpkin derby, pumpkin pie eating contests, the pumpkin drop and the pumpkin catapult, where 20-pound pumpkins are launched into the air.

Treworgy Family Orchards
Levant, Maine

Treworgy Orchards’ mission since 1983 has been to give friends and neighbors the opportunity to pick their own fruit. You can pick your own pumpkins, apples and squash, get delightfully lost in the corn maze, take a relaxing hayride or even book a mini family portrait session.

Salem
Salem, Mass.

With over 1 million visitors every year, Salem has a reputation for everything spooky, witchy and autumnal. Learn about the city’s history at one of its numerous museums, take a ghost tour, get your fortune told or even have dinner inside one of the most haunted buildings in town.

Topsfield Fair
Topsfield, Mass.

As America’s oldest agricultural fair, this 10-day event has been running every fall since 1818. From live music to carnival rides, contests, pumpkin weigh offs, pig racing, parades, cooking demonstrations and woodcarving, it’s everything a fall fair should be.

Alyson’s Orchard
Walpole, N.H.

Alyson’s Orchard boasts over 50 acres of fruit-bearing trees. With 50 apple varieties, seven types of peaches and various berries, plums, pears, pumpkins, gourds and winter squash, it’s a pick-your-own paradise. Enjoy the tranquil setting, which includes ponds, playgrounds, a bocce ball court and a farm stand with local goods.

New Hampshire Pumpkin Festival
Laconia, N.H.

With its iconic jack-o’-lantern pyramid rising above the festival like an autumnal beacon, the New Hampshire Pumpkin Festival welcomes all pumpkin enthusiasts, costume-wearers, foodies and fall lovers. This free festival features craft shows, food trucks, a beer garden, a dinner train and even a zombie walk.

Oktoberfest
Hampton, N.J.

Put on your lederhosen and celebrate the German tradition of Oktoberfest at the Hunterdon Hills Playhouse. Enjoy imported beer, all the bratwurst you can eat and live performances that go all day and into the night. The event also offers craft beer, wine and whiskey, so there’s something for everyone.

Fishkill Farms
Hopewell Junction, N.Y.

Every weekend in September and October, Fishkill Farms celebrates its Fall Harvest Festivals. Ticketed events include everything from pick-your-own apples to wagon rides, a corn maze and live music. While you’re there, enjoy a panoramic view of the farm from its on-site cidery or grab a bite to eat from the Fishkill Farms Grill.

The Great Jack O’Lantern Blaze
Croton-on-Hudson and Old Bethpage, N.Y.

Taking a stroll through the Great Jack O’Lantern Blaze will make you say, “How did they do that?” Around 7,000 carved pumpkins take the shape of the unimaginable, from a T. rex to a functioning Ferris wheel and pretty much everything in between. The Hudson Valley event takes place at Van Cortlandt Manor in Croton-on-Hudson, while Long Islanders can enjoy the experience at Old Bethpage Village.

The Farmer’s Daughter
South Kingstown, R.I.

The Farmer’s Daughter has the fall season mastered. If you’re not convinced by the collection of pumpkins, gourds and squash upon entry, the back-to-back greenhouses filled with fall decor and plants of every size will certainly change your mind. Its Fall Harvest Festival takes place every weekend through October and features hayrides, a pumpkin dunk tank, scavenger hunts and more.

Autumn on the Green
Danville, Vt.

Autumn on the Green is a festival designed to showcase the works of small local businesses from artists to crafters and antique sellers. Stroll along the booths, admire the beautiful foliage around you and listen to live music before partaking in delicious local food.



LAND

At Walden Pond in Massachusetts you can wander around the same trails as Henry David Thoreau, while checking out a replica of his one-room cabin, the original foundation and the site of his bean fields.

For pure adrenaline and rewarding views, climb the Beehive Loop Trail at Acadia National Park on Maine’s Mount Desert Island. Traipse through 3 miles of granite stairs and iron rungs and ladders and emerge with stunning views of Sand Beach and the Maine coast. Just a warning: It’s not for children or folks afraid of heights.

New York City-slickers can take advantage of Central Park’s fall foliage tree map, which guides you through the most colorful of the park’s 20,000-plus trees.

Want more mountain fun? You can’t go wrong with an excursion on the nostalgic Cog Railway, a steam-powered train that winds its way up New Hampshire’s Mount Washington. 

Based in the idyllic Pennsylvania town of Jim Thorpe, the Lehigh Gorge Scenic Railway offers fall foliage train rides late into the season. Its trains weave through the Pocono Mountains, offering open-air views and live narration of the sights and sounds of autumn. 

The fall foliage train rides at the Adirondack Scenic Railroad wind through the forests of upstate New York in open-air cars. They provide a variety of different types of train rides, including a pumpkin patch train ride, a Halloween train ride and even a wine and beer tasting ride that takes place at sunset.

The Cape Cod Central Railroad in Massachusetts runs along the coastal shoreline past beaches and bays, between dunes and hills, through forests and cranberry bogs. Its Cape Cod Excursion also features on-board narration about the history of the area.

SEA

SeaStreak offers an all-day foliage cruise from Highlands, N.J., or New York City that follows the Hudson River up to quaint Cold Spring, N.Y., for an afternoon of shopping, dining and strolling. The cruise is narrated by a professional guide and includes a full-service bar.

For more active city views, rent a kayak from Paddle Boston and ply down the Charles River. Or take a paddle through Waterplace Park and see the Providence, R.I., skyline from a whole new vantage point with the Providence Kayak Company.

For a nostalgic view of the Connecticut River Valley, combine a steam train ride with a riverboat excursion on the Essex Steam Train and Riverboat.

Head up north for a historic journey through the Portsmouth, N.H., harbor and inner river area with a Portsmouth Harbor Cruises tour.

AIR

Maybe the sky is more your style? Hop on a hot air balloon at Above the Clouds in Middletown, N.Y., where you can soar above the lower Hudson Valley to view the foliage from up high.

Or get right into the thick of things at the TreEscape Aerial Adventure Park in Vernon Township, N.J. Maneuver through aerial obstacles, rope walks, ziplines and more, all suspended amid the forest canopy.

Bake a Fall Treat:
Apple Spice Cake

It’s finally apple picking season!

Now’s the time to put on your best flannel, take a ride to a local orchard and pick more apples than a human can possibly eat. It’s tradition, after all. 

If you’re looking for a way to make use of your plentiful apple picking bounty, this easy and delicious apple spice cake comes together in about an hour and makes for a perfect anytime treat.

Ingredients

Cake:
3 Honeycrisp apples 
1 cup sugar
3/4 cup light brown sugar
1/2 cup salted butter, melted
1/2 cup sunflower or avocado oil
1/2 cup plain yogurt
1 tablespoon vanilla extract
3 teaspoons baking powder
1/2 teaspoon baking soda
1 teaspoon each of cinnamon, nutmeg and allspice 
Pinch of sea salt
3 2/3 cups flour
1 cup buttermilk

Frosting:
8 ounces cream cheese, room temperature 
8 tablespoons (1 stick) unsalted butter, room temperature
1 cup confectioners’ sugar
1 teaspoon vanilla extract
1 jar or bottle of salted caramel sauce, for drizzling 

Instructions

  1. Preheat your oven to 350 degrees. Line an 8-inch square baking pan with parchment paper. 
  2. Core and chop the apples into large chunks (no peeling necessary). Use a food processor to blend until grated or to a pulp-like consistency. Set aside.
  3. In a large bowl, whisk together the sugar, brown sugar, melted butter, oil, yogurt and vanilla extract. Add the blended apples and gently mix until fully distributed throughout the batter. Add baking powder, baking soda, cinnamon, nutmeg, allspice and sea salt and combine. Slowly incorporate the flour, one cup at a time, then add the buttermilk and whisk together only until the flour disappears (overmixing will make a batter that’s a bit stodgy). 
  4. Pour the batter into the prepared cake pan and level with a rubber spatula. Place it into the preheated oven and bake for 50-55 minutes, or until an inserted toothpick comes out clean. Once fully baked, let cool for about 10 minutes before transferring to a cooling rack. 
  5. While the cake is baking, make the cream cheese frosting. Using a hand mixer, combine the cream cheese and butter until incorporated. Slowly mix in the confectioners’ sugar a little at a time. Then, add the vanilla extract and mix until the consistency is smooth and fluffy. You can refrigerate the frosting, but take it out to soften at least 10 minutes before using.
  6. Once the cake is completely cool, use a rubber spatula to scoop the frosting onto the cake’s center and spread toward the edges. Drizzle the salted caramel sauce over the top.

Adapted from @the_bananadiaries.

Let’s Get Spooky!
Local ghost tours and places that will haunt you.

These ghoulish ghost tours and infamous haunted places are perfect for fall fun – but beware! There might be creepy creatures out there!  

Salem Ghosts

With a mix of scares and history, Salem Ghosts winds around all of Salem’s most haunted locations. Don’t worry about whether you should bring the little ghosthunters along – it’s family-friendly. Plus, AAA members get a discount.

The Historic Lizzie Borden House

Talk about a creepy place. You may not feel the infamous whacks that Lizzie Borden allegedly gave her parents here. (She was tried and acquitted, and the murders remain unsolved.) But book a room at this museum/bed-and-breakfast in Fall River, Mass., and you’ll certainly feel spooked. A tour detailing the 1892 ax rampage is given to every overnight guest. Too timid to turn in? You can take a daytime tour.

Boroughs of the Dead

New York City can get pretty spooky sometimes. With the many Boroughs of the Dead tours, you can pick your poison and explore all the forgotten, ghostly corners of the city. Tours include Madness and Medicine on Roosevelt Island, Witches of Old New York, Edgar Allen Poe in Greenwich Village, Haunted Brooklyn Heights and more. 

Sleepy Hollow Cemetery

Do you hear the sound of hoof-beats coming? Could it be the headless horseman himself? Lantern-lit night tours happen every weekend September through November at the cemetery in Sleepy Hollow, N.Y., made famous by the eponymous Washington Irving story. 

Darkness Falls Tour

Created by Vermont native and paranormal author Thea Lewis, the Darkness Falls Tour of downtown Burlington, Vt., is one creepy history lesson about the city’s most notorious ghostly residents. If you prefer graveyards, opt for her after-dark Lakeview Cemetery Tour (in September and October only).

Ghosts of Newport

The history of Newport, R.I., isn’t just about sailing, folk festivals and Gilded Age-opulence. Ghosts of Newport tours explore more than 350 years of tragedy and superstition in the city’s oldest neighborhoods.

Discounts That Are Twice as Nice as Pumpkin Spice

We hope your fall to-do list is as full as a trick-or-treat basket by now. But are you still looking for ways to save? We have a cornucopia of fall discounts available just for you.

Tech

The start of a new school year is always when all your old tech starts going haywire. Looking for a replacement for your favorite laptop, desktop or tablet? AAA Discounts & Rewards offers savings on technology brands, including Dell, HP, Samsung and Lenovo.

Shell Fuel Rewards

Save on your leaf-peeping road trip. AAA members are entitled to Gold Status with the Shell Fuel Rewards Program. Sign up for free and save instantly on all your fill-ups.

Hertz

If you need a ride, Hertz can get you behind the wheel no matter where you’re going. AAA members can save on car rentals, plus get exclusive benefits and additional rewards.

Halloween Haunts

Haunted houses, ghost tours and theme parks – oh my! AAA Tickets is your one-stop shop for spooky attractions, like Mickey’s Not-So-Scary Halloween Party, Universal’s Halloween Horror Nights and more.

Autumnal Bouquets

Bring the colors of fall into your home with the beautiful, seasonal arrangements available through 1-800-Flowers.com. Get a festive wreath for your door, a bouquet of fall flowers bursting out of a pumpkin, a harvest basket for a friend and so much more! AAA members can save 25% online and in-store.

HelloFresh

Want some new recipes to get in the spirit of the season? HelloFresh is a subscription service that delivers the ingredients and recipes necessary for delicious weekly meals. With fresh, preportioned ingredients, seasonal recipes and over 30 fresh meals to choose from every week, it makes dinner exciting. AAA members can save on a HelloFresh subscription.

Petro Home Services

The weather might be getting colder every day, but your house should always be comfy and cozy. Make sure your home temperature stays just the way you like it with Petro Home Services, your one-stop shop for heating, cooling and plumbing needs. New customers get $150 in free heating oil and a rebate on annual oil usage. AAA members can save with the promo code AAA.

Travel Services

Whether you’re headed on a fall foliage road trip or a farther-flung vacation, our AAA travel advisors are here to help. As a member, you can enjoy expert recommendations, exclusive perks and savings when you book.

Save more. AAA.com/Discounts


Hurricane Preparedness

The content in this guide is intended for informational purposes only. In the case of an imminent hurricane, please defer to the advice of health and safety professionals.

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If it seems like hurricane season has been getting worse, it’s because it has. Weather and climate disasters in the U.S. cost trillions in damage from 1980 to 2023, according to the National Oceanic and Atmospheric Administration, and storms continue to make historic benchmarks in losses.

Atlantic hurricane season runs from June to November, usually hitting its stride around mid-August through October. Before the next storm, read through this guide and talk to a AAA Insurance agent to make sure you, your family and your belongings are ready to weather the worst of it and bounce back better than ever.

Disclaimer: The content in this guide is intended for informational purposes only. In the case of an imminent hurricane, please defer to the advice of health and safety professionals.

Hurricane Readiness Basics

Take advantage of the calm long before a storm to plan for your family’s safety.

Sign Up for Storm Alerts

The Federal Emergency Management Agency’s (FEMA) mobile app will send you National Weather Service notifications on up to five locations and locate emergency shelters. Keep an eye on local news and weather reports as well.

Plan for Evacuation

State or local officials may issue evacuation notices in advance of dangerous storms. Check with your local departments of transportation or emergency management to familiarize yourself with your area’s evacuation routes and shelters. Keep your car’s gas tank at least half full – or your EV charged – and carry a kit of basic emergency supplies in your trunk. 

If you have to leave your home on short notice, you’ll want some essentials for you and everyone in your family. FEMA recommends having an emergency go-bag ready with things like medications, food and water, clothing and a first-aid kit. Your bag should be easy to carry and kept where you can grab it quickly. 

Remember to secure your home before leaving and check with neighbors who may need a ride.

Emergency Supply Checklist

An emergency preparedness kit can ensure you have what you need in case an extreme weather event causes a power outage or requires evacuation.

You can build an emergency stockpile over time but remember to replace items with a limited shelf life, like food and batteries. 

  • 1 gallon of water per person per day for at least three days.
  • At least a three-day supply of nonperishable food.
  • Battery or hand-crank radio and extra batteries.
  • Flashlight with extra batteries.
  • A whistle to signal for help.
  • A portable phone charger. 
  • A first-aid kit. 
  • A wrench and/or pliers.
  • Dust mask to filter contaminated air.
  • Plastic sheeting and duct tape.
  • Moist towelettes, garbage bags and plastic ties for personal sanitation.
  • Can opener if your food kit contains cans.
  • Local maps.
  • Prescriptions and reading glasses.
  • Infant formula and diapers.
  • Food, water and medication for your pets.
  • Important family documents, such as insurance policies and bank account records. Store these in a waterproof container. 
  • Sleeping bags or warm blankets.
  • Cash and change. 
  • Complete change of clothing, including a long-sleeve shirt and long pants.
  • A fire extinguisher.
  • Matches in a waterproof container.
  • Feminine and personal hygiene supplies.
  • Paper cups, plates, plastic utensils and paper towels.

Establish a Communication Plan

Figure out how your family will stay in touch if you’re separated or lose power. You can choose an out-of-state contact for everyone to use and designate a meetup spot.

Staying Put 

If you’re not ordered to evacuate, stay indoors, away from windows and glass doors. Never use a generator or gasoline-powered equipment indoors or in partially enclosed areas. Such equipment should be outside, 20 feet away from doors, windows and vents.

Ready Your Car 

In addition to making sure your vehicle is fueled up and keeping an emergency kit handy, basic vehicle maintenance is important ahead of hurricane season, especially if you live in a coastal state where evacuations are more likely. 

Car batteries typically have a three- to five-year lifespan. Call AAA for a battery inspection to ensure your car will start when you need it most; a battery service technician will come to your home or workplace to test your battery and, if needed, can replace your battery on the spot.

Visit a reputable repair shop to check your brakes, inspect your tires, assess fluids and hoses and replace your windshield wipers, if needed. 

If you have an electric vehicle, you should also stay on top of basic car care and consider mapping out charging stations along evacuation routes ahead of time. 

Ready Your Home

Powerful winds and floods are two of the greatest dangers presented by hurricanes. Ready your home by reinforcing doors, windows, walls and the roof. Depending on your risk, you may also want to consider long-term solutions like installing storm shutters and hurricane-proof doors.

You should bring loose, light objects like patio furniture and garbage cans inside and anchor objects you cannot bring inside, like grills. Trim or remove trees that are close enough to fall on buildings.

To prepare your home for heavy rains or flooding, keep gutters and drains free of debris. If possible, install a water alarm and a sump pump with battery backup. Stockpile plywood, plastic sheeting, sandbags and other emergency materials, too.

Create a video or list of your belongings and put it with any receipts to prove their value. Store it in a waterproof safe or container with other important financial documents and keep it with your emergency evacuation supplies. This will help with the insurance claims process.

Ready Your Pet 

Don’t forget to take precautions to keep your furry, scaled and feathered family members safe during an emergency, too! 

Create an emergency supply kit just for your pet with at least three days’ worth of food and water, medications and medical records (in a waterproof container), garbage bags, a picture of your pet in case you become separated, a leash, crate/carrier and anything else necessary for your pet’s survival.

During a storm, bring your animals inside and close to you. Dogs and cats can get confused and become disoriented during difficult times and might try to hide or run away. If necessary, keep dogs in a room with the door closed, cats in a carrier and small animals safely in their cages. 

Pets are not always allowed in emergency shelters, so keep a list of places you can bring them in case of a natural disaster. Consider pet shelters, pet-friendly hotels and homes of relatives or friends outside the affected area. American Kennel Club Pet Disaster Relief is a great resource. 

It is a good idea to have your dog or cat microchipped. Even an ID tag or collar can be lost or pulled off. A registered microchip might be the only way to be certain your pet can be identified during a disaster. You may also want to apply a pet rescue alert sticker to your window to inform rescuers and first responders that animals could be trapped inside.

Did you know that you can add your pet to your AAA membership? With the complimentary AAA Pet ID Tag Program, AAA can help safely reunite lost pets with their owners. Drop by your local AAA branch to sign up. Learn more.

The Ins and Outs of Hurricane Insurance

What to know about the hurricane deductible that is likely on your homeowners policy.

The History of Hurricane Deductibles

In 1992, Hurricane Andrew left insurers with $15.5 billion in losses – at the time, the costliest hurricane in U.S. history. From that point, hurricane insurance was determined to be a necessity in coastal areas to help cover high-cost property losses due to storm risks like hail and high winds.

“After the wake-up call of Andrew, insurers in many coastal states began to sell homeowners insurance policies with percentage deductibles for storm damage,” according to the Insurance Information Institute. “These deductibles are stated as a percentage of the insured value of the homes and generally are a higher dollar amount than traditional dollar deductibles used for other types of losses such as fire damage and theft.”

Nineteen states and the District of Columbia have hurricane deductibles. In the Northeast, this includes Connecticut, Massachusetts, New Jersey, New York and Rhode Island.

What Is a Hurricane Insurance Deductible?

Homeowners should do the math with their agent to fully understand how much they’re self-insuring for. 

Based on where you live, some insurance companies may offer hurricane deductibles stated as higher dollar amounts or possibly no separate hurricane deductible at all. In both cases, this will be reflected in your premium. 

When Does Hurricane Coverage Kick In?

There are a few things necessary for hurricane insurance to apply. These triggers vary by state and insurance carrier, but a good indicator comes from the National Weather Service. Once a hurricane watch or warning is issued, the intensity level is crucial. The moment a Category 1 hurricane makes landfall is when the deductible becomes applicable.

More Coverage Options

On its own, your homeowners policy will usually cover loss or damage caused by falling trees on your property due to strong storm winds. And if you are worried about your car, storm damage to your vehicle is also covered as long as you have comprehensive insurance on your auto policy.

Insurance carriers may offer windstorm, named storm and catastrophe deductibles, but keep in mind that your homeowners policy or any kind of storm coverage does not include flood damage. Flood insurance must be purchased separately.

Adding extra wind, flood or storm coverages to your homeowners policy may be worth it for you, or even necessary, depending on where you live. In high-risk coastal areas, the state government or mortgage lenders will likely require it.

Food spoilage coverage is something else to consider ahead of the next big storm. Losses related to power outages are one of the most common insurance claims during hurricane season. Food spoilage coverage may take care of the cost to replace the items in your fridge if your power goes out for a prolonged period.

If you are planning a wedding, fundraiser or other large event during hurricane season, you may also want to purchase special event insurance. In the worst-case scenario that severe weather forces you to cancel or postpone, you will be covered. In the best case, it will be a beautiful day and you will have extra peace of mind knowing that you are protected from other financial losses too, like if your DJ doesn’t show up or someone gets hurt. 

Know Your Insurance

When shopping for insurance, always check the financial rating of a company, especially if you live in an area that is prone to hurricanes. Catastrophic weather events result in large swaths of damage that may generate large losses for a particular company and can exceed their ability to pay all the claims.

Each state has its own rules regarding hurricane insurance. Talk to your insurance agent to run through all the technicalities of your policy to make sure you can get the right coverage.

Storm Facts

Do you know your “watch” from your “warning?” Find out in this guide to storm categories and other meteorologist lingo.

Storm Categories

How a storm is classified or described in a weather report is rooted in the strength and severity of the wind.

Dating back to the early 1800s and still used today, the Beaufort scale is a wind measurement tool developed to help sailors gather visual cues about the wind from the water. It goes from zero to 12, with zero being calm and 12 being a hurricane. 

A 10 is officially considered a storm on the Beaufort scale, described as having 55 to 63 mph winds, big waves, low visibility and a chance of considerable structural damage. A violent storm (11) is even more intense.

Hurricanes are categorized using the Saffir-Simpson Hurricane Wind Scale. Ranging from 1 to 5, storm categories are based on a hurricane’s maximum sustained wind speed and estimated potential property damage. While all hurricane-force winds are considered dangerous, categories 3 to 5 are known as “major” hurricanes.

When you hear major storm terms in the forecast, it’s time to take action to protect your home, car and belongings, and in the worst cases, evacuate from the area. Hurricane-force winds and storm surges can be deadly.

Category 1: Sustained winds of 74 to 95 mph. Very dangerous. Winds can potentially cause damage to roofs, vinyl siding, gutters and shingles. Large branches may snap, and trees may topple. Extensive damage to power lines and poles could result in power outages that may last several days.

Category 2: Sustained winds of 96 to 110 mph. Extremely dangerous. Major roof and siding damage are possible. Large branches will snap and trees will fall, blocking roads. Near-total power outages are expected and could last weeks.

Category 3: Major. Sustained winds of 111 to 129 mph. Devastating damage. Winds could cause major damage to homes including roof removal. Trees will be snapped and uprooted, blocking roads. Electricity and water will be unavailable for several days to weeks after the storm.

Category 4: Major. Sustained winds of 130 to 156 mph. Catastrophic damage. Severe damage to homes, with potential to lose most of the roof and/or exterior walls. Most trees will be snapped or uprooted and power poles downed. Power outages may last weeks and possibly months. Most of the area could be uninhabitable for weeks or months.

Category 5: Major. Sustained winds of over 157 mph. Catastrophic damage. A high percentage of framed homes will be destroyed with total roof failure and wall collapse. Fallen trees and power poles will isolate residential areas. Power outages can be expected to last for weeks to months. Most of the area will be uninhabitable for weeks or months.

More Storm Terms

Eye/Eyewall: The eye of a storm is its relatively calm center. The eyewall is the dense ring of clouds that surrounds the eye and contains the highest winds.

Doppler: A radar tracking system that sends out energy signals from an antenna to detect the location and velocity of a storm in the atmosphere.

Gale Winds: Sustained surface winds of 39 to 46 mph, strong enough to create high waves and break twigs off trees. At 47 to 54 mph, severe gale winds are more powerful and may cause some structural damage.

Named Storm: A storm or other catastrophic weather event that has been identified and named by the U.S. National Weather Service, the U.S. National Hurricane Center or the U.S. National Oceanic and Atmosphere Administration. Since the 1950s, hurricanes and tropical storms have been given names to quickly identify and communicate them. The naming procedure, established by the World Meteorological Organization, is based on six lists of 21 male and female names on a six-year rotation. The only exceptions to the process are if a storm is so deadly and costly that a future storm of the same name would be inappropriate or if more than 21 named storms happen in a season; in these cases, a separate list of names is used.

Storm Surge/Tide: An abnormal rise in sea level that accompanies a tropical storm system. When a storm surge combines with the normal tide, it is called a storm tide.

Single Cell/Multicell/Supercell Thunderstorms: An explanation of common thunderstorms from the National Severe Storms Laboratory

  • Single Cell – Small storms that grow and die within an hour or so. Often experienced on hot summer afternoons, they produce heavy rain and lightning.
  • Multicell – This system could last for many hours and has the potential to produce hail, strong winds, brief tornados and/or flooding.
  • Supercell – A long-lived (greater than one hour) storm that is tilted and rotating. It can grow as large as 10 miles in diameter and up to 50,000 feet tall. It only needs to be present for 20 to 60 minutes before a tornado could form. Most large and violent tornadoes come from supercells.

Squall Storm: A group of storms arranged in a line that can be hundreds of miles long, but typically are not very wide. High wind, heavy rain and snow are signatures of these types of storms, which tend to pass quickly.

Tropical Storm: A rotating, low-pressure weather system that originates over warm, tropical oceans with maximum sustained surface winds of 39 to 74 mph. Once winds exceed 74 mph, it is a hurricane.

Watch/Warning/Advisory: While they sound similar, each of these storm alerts means something completely different. Here is how the U.S. National Weather Service breaks them down:

  • Advisory – Issued when hazardous weather is occurring, imminent or likely. Used for less-severe weather conditions where caution is advised.
  • Watch – A weather threat is possible within 48 hours. Issued when the risk of a hazardous weather event has increased significantly, but exactly when or where it will happen is still uncertain. A watch is intended to provide enough lead time to start thinking about a plan of action or begin executing it if needed.
  • Warning – A weather threat is expected within 36 hours or less. Issued when hazardous weather is occurring, imminent or likely. Conditions pose a threat to life or property. People in the path of the storm should take protective action.

What to Do 

  • If a tree falls on your home due to strong winds, evacuate immediately, make sure everyone is safe and call 911. If you can do so safely, cover up any openings caused by the fallen tree with a tarp or something similar.
  • Document the extent of the wind damage by taking photos or videos and make a list of any broken items, being sure to note any structural issues. Then, contact your insurance company as soon as possible to initiate the claims process. After your claim has been filed, the insurance company will typically send an adjuster to assess the damage in-person and repair estimates will need to be given from qualified contractors. This helps ensure that your settlement amount aligns with the actual cost of repairs.
  • Work closely with your insurance company to complete the necessary paperwork and fulfill any additional requirements during the claims process. Keep track of all communications and documents related to the claim, in case it’s necessary to reference them in the future.

Are You Covered? 

Standard homeowners insurance policies provide coverage for damage caused by wind, including if a tree hits your home or other insured structure, but the extent of coverage may vary depending on the specific terms and conditions outlined in your policy. It’s important to review your insurance policy carefully to understand the scope of coverage for wind-related hazards.

In some cases, the destruction may be so bad that your home could be deemed unsafe to live in. Your homeowners insurance may help to cover the additional living expenses if you need to reside somewhere else while repairs are being made. 

If wind has caused damage to your vehicle, such an incident would be covered under the comprehensive portion of your auto insurance policy.

What to Do 

  • The safety of you and your family is top priority. If flooding is severe, evacuate immediately and seek higher ground. It’s also wise to avoid walking or wading through floodwaters as they can contain hazardous materials and pose dangers you may be unable to see.
  • Document damage and notify your insurance provider right away. Although it may seem like a good idea to start cleaning up as soon as possible, it’s best to document the extent of the damage before anything else. Take photos and videos of affected areas to provide evidence for insurance claims. 
  • Clean, dry and disinfect. Remove standing water by using pumps and wet/dry vacuums and dispose of damaged items that cannot be salvaged. To prevent mold growth, thoroughly dry the affected areas by running dehumidifiers and fans until no sign of moisture is present. Once dried, disinfect all surfaces, furniture and small items to eliminate any potential toxins from the floodwater.
  • Water is corrosive and can cause irreversible damage to the structural integrity of your home. Look for signs of damage to the foundation, walls and support structures, especially, but all areas should be inspected as a precaution. If you have concerns about the safety of your home, consult with a professional to evaluate further.

To prevent and reduce future flood damage, consider: 

  • Elevating electrical outlets, switches and wiring to at least 1 foot above the expected flood level. 
  • Installing a sump pump. 
  • Properly sealing and insulating cracks in the home’s foundation or walls. 
  • Installing water alarms. 
  • Ensuring proper drainage in and around the property. 

Are You Covered?

While standard homeowners insurance may cover some water damage, flooding is covered only by purchasing a separate policy

If you don’t live in a Special Flood Hazard Area, defined by FEMA as having a 1% or greater chance of flooding in any given year, you’re not federally required to have flood insurance. However, your mortgage lender may still ask you to have it. 

As flash floods become more common in the Northeast, flood insurance is still recommended, even if it’s not mandated. It doesn’t need to be a hurricane – or even a coastal area – for flooding to happen. Floods can be caused by rain, storm surges and overflows of water systems and can develop slowly or very quickly without warning.

More than 40% of flood claims come from properties outside high-risk flood zones, according to FEMA.

Mold caused by sudden certain types of storm damage may be covered by your homeowners insurance, depending on what’s listed in your policy. It’s always best to check with your agent if you are unsure about the extent and limits of your coverage.

  • Depending on the weather, try to stay as warm or as cool as possible.
  • Keep flashlights and extra batteries on hand. Crank or solar-powered lanterns are also great, safe sources of light. 
  • Unplug major appliances and devices (except the refrigerator), in case of a power surge, which could cause damage.
  • Conserve your phone battery, in case you need to use it for an emergency. Consider buying a portable charger and make sure it’s ready for times like these. 
  • Install smoke and carbon monoxide detectors with battery backup on all levels of your home.
  • If using a generator, keep it outside and away from windows. 
  • Maintain the temperature of your refrigerator or freezer by keeping the door closed as much as possible. Once power is restored, check all your refrigerated foods for freshness; if there is any doubt, throw it out!

Are You Covered? 

Check with your insurance agent to see if you have food spoilage coverage on your homeowners policy.

Helpful AAA Resources


New Ways to Buy A Car

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The New Way to Buy a Car

People almost universally dread the process of wandering through lots, negotiating prices and filling out reams of paperwork involved in the car-buying process. Fortunately, the modern world has caught up to the industry.

There are now new options and enhancements to car buying that make it easier, more efficient and, dare we say, enjoyable?

Buying Online

You can buy just about anything online these days, so why not cars? There are already numerous car-buying sites, including Carvana, Vroom and Shift. Each has an inventory of cars that buyers can search through on their website. Most online dealerships offer newer-model used cars, although companies like NowCar offer new vehicles.

Once a user finds a car they like, they can purchase it at a fixed price and fill out all the paperwork in just a few minutes – all without leaving the house. You can even get the car delivered right to your driveway. 

Augmented Reality

As convenient as online shopping is, purchasing a car based solely on two-dimensional images is not the most comfortable idea. This is one of the main reasons the process of buying a car took so long to evolve.

Younger buyers want to avoid a dealership. To solve this problem, car manufacturers are increasingly turning to augmented reality.

Augmented reality is a technology that virtually overlays images and information onto a physical environment. With this technology, consumers can use their smartphones or tablets to place a life-size, three-dimensional image of the prospective vehicle in their driveway.

Not only can buyers walk around it and open the doors, but they can also get inside. Augmented reality allows drivers to virtually sit inside the car to get a feel of what it would look like in real life.

Digital Showrooms

Even those who venture out of their home and into a dealership can still experience digital technologies. Many now have in-store apps that let customers view and customize their car just as they would from their home computer. 

Digital showrooms have the added benefit of taking up significantly less space than a traditional dealership. This helps increase consumer access by enabling dealerships to operate in more densely populated areas. 

Some manufacturers offer in-store apps that let customers view and customize their car just as they would from their home computer. Third-party companies, like RelayCars, also provide a virtual look at nearly every make and model on the market.

Subscription Ownership

Cars are expensive. It’s a large initial expense, then monthly payments, plus insurance, gas and maintenance, all for a product that loses value the minute it rolls off the lot.

Unless you know that you will be driving that car for the longhaul, the traditional process of buying a car may not be for you.

That’s why companies are now offering drivers a new option. Just like you would pay a monthly fee for your Netflix subscription, buyers can pay a flat rate to drive a pre-owned car for a set period of time. Users simply log on to the app of their choice, pick the vehicle they want and how long they need it for, and then go pick it up. After that, they pay a weekly or monthly fee, which usually includes insurance, unlimited mileage and routine maintenance. When the subscription term is over, the driver simply returns the car. Select luxury marquees offer this as an option, and there are also some specialty providers like the EV-only subscription service Borrow.

Home Delivery

Some dealerships offer to deliver your new car directly to your doorstep. This is something Tesla and third-party sellers like Carvana have been doing for years. If you get your car delivered, check that it is the right year, make and model and includes all the agreed-upon features and equipment. Also take a look at the odometer. New vehicles shouldn’t have more than about 100 miles, between test drives and the delivery. If it’s a used car, check that there haven’t been any extra miles added since your purchase.

Keeping Up With the Latest Car Tech

Advanced Driver-Assistance Systems

Advanced driver-assistance systems are being integrated into new car models every year. And while they are designed to take some of the stress out of driving and improve driver safety, AAA warns against getting too dependent on them.

Marketing language may lead to overconfidence and misunderstanding of ADAS capabilities, potentially causing drivers to pay less attention to the road, according to data collected by the AAA Foundation for Traffic Safety. ADAS tech is designed to work with an engaged driver, not replace the driver. The foundation advises drivers to treat the technology as a backup to their own senses and reactions and always be prepared to take control. 

These are some of the ADAS safety features you can expect to see in new car models. 

Antilock Brakes

Antilock brakes prevent wheel lockup and skidding that can occur with conventional brakes. It keeps more of the tire surface in contact with the road, giving the driver greater ability to steer to safety.

Forward Collision Warning with Automatic Braking

Rear-end crashes are the most common type of crashes in the U.S. Using front-facing sensors, this system is designed to scan the road ahead and alert drivers of an imminent crash. However, while the forward collision system can sense danger, it won’t help you avoid it, which is why it is often paired with automatic braking.

While some crash prevention systems will only provide a warning and prepare the brakes for full stopping power, others apply the brakes automatically to prevent a crash. This safety feature combination just might be the reason your next zone-out moment isn’t fatal. 

Advanced Cruise Control

While typical cruise control holds vehicle speed as set by the driver, advanced cruise control varies the speed based on traffic. For example, if the driver sets cruise control at 65 mph but traffic slows to 55 mph, advanced cruise control automatically reduces the speed until traffic clears. In some cases, these systems can control speed down to a complete stop. It also calculates following distance to keep the car safely behind others.

Traction Control and Stability Control Systems

Many vehicles combine these features. Traction control systems use brakes to stop a wheel that is spinning and force the opposite wheel to turn. This may provide the necessary traction to get a stuck car moving again. Stability control also uses the brakes to help steer the car when it is skidding. Stability control doesn’t necessarily improve handling, but it does reduce the chance of getting into a skid.

Integrated Steering Wheel

To keep drivers hands-free, steering wheels have been redesigned with control shortcuts to some of the most widely used car systems. Most drivers can control the radio station, volume, cruise control, phone and more from the buttons on their steering wheel. 

Voice Controlled Systems

While operating in-car systems without taking your hands off the wheel has become much easier, there are still times when a driver has to reach over and fiddle with controls. But some car manufacturers have taken the hands-free mantra one step further, testing voice-activated controls for the radio, climate and even navigation systems. While this isn’t a standard (yet), consumers should expect to talk to their cars a lot more in the future. 

Lane-Keeping Assist

The lane-monitoring safety feature has been popping up on more car models each year. Best used on highways, this technology uses road markings to detect if a driver is drifting into a new lane without a turn signal. Then, depending on the car make and model, the driver will be alerted with a chime, flashing light or vibration. Some systems will even step in with corrective steering or braking. More complex systems use a hands-free lane-keeping system that can even slow and stop with the flow of traffic.

Blind Spot Monitoring

Paired with lane-keeping assist, blind spot monitoring can make traveling traffic-heavy highways and major roads much safer. The systems use sensors to detect when there is a car in your blind spot and then alert you with a visual or audible warning. Some more advanced systems take it even further, showing what’s in your blind spot using camera footage. 

Pedestrian Detection

This system uses a camera and radar to “see” pedestrians a driver may miss. More advanced systems use infrared technology to detect the heat produced by humans and animals to prevent collisions.

Backup Camera

Rearview cameras are now standard on all American market vehicles. This feature allows drivers to see live footage on the dashboard of what’s behind their car, making it easier to navigate parking lots, pulling out of driveways and other situations where it’s easy to accidentally hit something (or someone). 

Rear Cross-Traffic Alert/Warning

Supplementing the backup camera, this system uses radar to look to the left, right and behind the vehicle as it backs out of a parking space. This is especially handy when you find yourself sandwiched between two large SUVs in a parking lot. 

Headlight Improvements

Even this basic component has become more sophisticated. Manufacturers are adding features that turn the lights slightly when taking a turn or stay level when driving up and down a hill. Some cars even have headlights that automatically shut off or dim to prevent blinding oncoming drivers.

Innovations to Watch

There are exciting developments in car technology afoot. And though it may seem impossible to keep up with the rapid pace at which the latest advances are moving, you’ll want to keep an eye on these.

Self-Driving Cars

Driverless vehicles are being perfected as we speak. Like cruise control and self-parking, it is only a matter of time before this new autonomous technology becomes more commonplace. However, it may take some time to gain drivers’ confidence. AAA’s annual automated vehicle survey shows high votes of little to no confidence in self-driving vehicles year after year.

The challenge of developing a driverless car is ensuring that it can navigate the hazards we encounter every day, such as traffic circles, oncoming cars, congested streets and pedestrian traffic. With advances in machine learning, computers are now able to learn without being expressly programmed to respond, which is essential as driverless cars will encounter situations they may not have been exposed to during simulation or testing. The intricate process of developing computers that guide driverless cars involves massive amounts of data, simulation and testing. 

One of the goals of having self-driving cars is to ultimately make roads safer. With the element of human distraction and decision-making out of the way, some anticipate an overall decrease in accidents in the long term. 

Biometrics

If you ever used a fingerprint scan to access your smartphone, you have relied on biometric data. Broadly, biometrics refers to the data about your human characteristics and includes things like face recognition and retina detection. For many years, it has been used for security purposes, but it also has applications in your vehicle.

Unlocking your car with a fingerprint can help guard against auto theft. If your car is equipped with biometric features, your vehicle may also adjust to your preferences (seat location, dashboard display, etc.), which is particularly useful if you share a car. 

Beyond identification, biometrics can be used to monitor drivers. Cars are being developed that can detect your heart rate, breathing and movement patterns to indicate when you may be too drowsy to drive. Traditionally, vehicles that detect drowsiness rely on information about the car’s own movements – such as lane deviation to indicate a driver may be too tired to operate it safely.

With features becoming more advanced, insurance companies may give discounts for safety features based on biometric data. Insurance is based on assigned risk, and any step you can take to protect your vehicle decreases the likelihood it will be stolen.

Hybrid and Electric Options

As technology continues to improve, and the need for cleaner energy keeps growing, electric and hybrid vehicles are becoming more sought after and more accessible. These cars are not one size fits all. From the way they are powered to how far they can travel and how much they cost, there are some important aspects to sort through.

Hybrids 

There are two types of hybrids on the market: Hybrid electric vehicles and plug-in hybrid electric vehicles. Both HEVs and PHEVs have a gas engine, an electric motor and a battery, but they are powered a little differently.  

HEVs do not require an external charging source to charge. The gas engine generates enough electricity to charge the battery while driving, which also gets a boost from regenerative braking, a process in which the brakes use momentum to create electricity when the car coasts or decelerates. 

PHEVs get some of their charge from regenerative braking, too, but as the name suggests, can also be plugged into a power source. PHEVs can travel as far as 40 miles on electricity alone.  

Battery Electric Vehicles

Battery EVs are cars powered by internal batteries charged by plugging into an outlet. Unlike hybrids, BEVs do not have a gas engine and rely exclusively on electricity to run. The lack of an engine means that BEVs do not produce the emissions that traditional gas-powered vehicles do. (There are some emissions created by charging these cars.)

Fuel Cell Electric Vehicles  

The least common type of EV, fuel cell electric vehicles are powered by electricity – but not from a battery. Instead, they are equipped with tanks filled with hydrogen. The car’s fuel cell combines this hydrogen with oxygen to produce electricity to power the motor. 

Hydrogen-powered cars are still an emerging technology, but their potential – 400-plus miles of range and a refueling time of less than five minutes – means you’re likely to see them become more available as the refueling infrastructure grows.

The Cost of Electric Vehicles

EVs are generally more expensive than similar, gas-powered cars, especially fully electric models. However, the average price is dropping as more are manufactured. Other savings brought in from electric vehicles offset the purchase price. The most notable savings come at the pump. The cost of charging is generally less than gas. And because certain regular maintenance tasks like oil changes aren’t needed, you also save on upkeep and repair. Electric vehicles are also eligible for tax incentives. 

Charging EVS 

Conventional hybrids do not need any external charging; they are powered by converting the vehicle’s own energy. Plug-in hybrids and battery electric vehicles need to be connected to an outside power source. Most owners will charge their cars at home. 

There are 3 levels of charging: 

Level 1 – Charge via standard outlet. This slow charging method usually delivers about 4 to 5 miles of charge per hour. No special installation needed. Do not use with an extension cord. 

Level 2 – Most common at public charging stations but can also be installed at home by a licensed electrician. This level delivers twice the voltage and cuts charging time in half.

Level 3 – The fastest EV charging available, it can fully charge a car in about 20 minutes to an hour. Only available in public charging stations. 

While the number of charging locations continues to grow, it’s always a good idea to plan out your route when traveling long distances according to where you know you can get a charge.

Find out more about EVs and access helpful tools, including an EV cost calculator, emissions calculator, incentives finder and charger map. AAA.com/EV



Insuring Your New Car

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Answers to Your Insurance Questions When Buying a New Car

Is there a difference when buying insurance for a new car vs. a used car? Lenders can request specific coverages that could increase the cost of insurance. For example, auto loan companies require a vehicle to carry collision and comprehensive coverage.

Depending on your budget, buying used gives you some flexibility in regard to coverage, enabling you to have a bit more control over your premium as opposed to buying new. This decision becomes especially important if you have a teen driver on your policy who may drive up insurance costs. Teens are statistically the riskiest drivers on the road.

How about when leasing a car?

When leasing a vehicle, be sure to consider loan/lease, also known as guaranteed asset protection or GAP coverage, as this provides an additional cushion in an event that the vehicle is declared a total loss. This coverage would pay the difference between the actual cash value of your vehicle and the unpaid balance on your loan or lease in a covered total loss scenario.

Keep in mind that leased vehicles are owned by the leasing company, and it will want certain needs met for insurance coverage, such as requiring a higher limit of liability coverage.

How can you prepare for the dealership?

When buying a vehicle from a dealership, be sure you have either already spoken to your insurance company to let them know you may be purchasing a new car soon or have your agent’s phone number on hand.

Once you have a vehicle picked out, the next step will be getting that vehicle added to your insurance policy so that the finance company will have the information it needs to complete the loan. Having your insurance info on hand at the dealership will make for a more seamless transaction while completing your new vehicle purchase.

Do you need to update your insurance before you can drive off the lot?

Yes! This should be done before leaving with your new vehicle. You may also want to consider obtaining a rough quote from your agent prior to making your buying decision. This will allow you to balance your budget accordingly if your insurance premiums increase due to this purchase.

Learn how much you can save when purchasing a new or used car through the AAA Auto Buying Program.

Is the insurance rate higher for a new car?

Not necessarily. There are so many different factors that are taken into consideration when rating a vehicle. The manufacturer’s suggested retail price and safety features, such as airbags, anti-lock brakes and lane-departure warnings, can affect the insurance rate. Other factors, such as the community where the vehicle will reside, your driving record and anticipated annual mileage, can impact the premium as well

Understanding a Car Insurance Policy

Insurance policies can feel like they are written in a foreign language. While your insurance agent can help you cut through the jargon, familiarizing yourself with these essentials can ensure nothing gets lost in translation.

THE BASICS

Every car insurance policy includes limits and deductibles.

Limits are the extent to which a policy protects a driver. Limits are often expressed in the following manner: A/B/C. “A” is the limit of what an insurance company will pay for bodily injury to a single person if the insured driver is at fault in a traffic incident. “B” equals the total amount an insurance company will pay per incident for bodily injury if an insured driver is at fault. “C” is the total amount an insurance company will pay for property damage, such as damage to another motorist’s vehicle, if the insured driver is at fault. Some drivers will purchase umbrella coverage to safeguard themselves against claims that exceed basic auto insurance limits.

Deductibles are amounts drivers must pay out of pocket before their insurance companies step in. Accepting a policy with a higher deductible can often lower premiums as it decreases what an insurance company may have to pay following an accident.

The term is the period your car insurance policy is in effect.

A claim is a request for an insurance company to issue payment per the terms of your car insurance policy.

TYPES OF COVERAGE

Liability protection is the foundation of an auto insurance policy. It protects drivers against damage they inflict upon other people or property. Nearly every state mandates drivers have a minimum level of liability protection.

Uninsured or underinsured motorist coverage is designed to protect you from drivers who don’t have insurance or when the damages to you or your property exceed the limits of their insurance. This coverage is optional coverage in some states and mandatory in others.

Personal injury protection is a requirement in some states. It covers medical bills and may cover other costs for drivers and their passengers after an accident regardless of whether they were at fault.

Collision coverage protects your vehicle should it strike another object, like a wall, tree or vehicle. It’s optional under state law but is often a requirement for anyone financing a vehicle purchase. Lenders require coverage as a way of protecting their investment. If a borrower defaults on an auto loan, the lender needs the vehicle to recoup its investment and a vehicle in bad shape isn’t worth as much. Some drivers who carry collision coverage consider dropping it when the cost of the protection exceeds the value of their vehicles.

Comprehensive coverage is optional under state law but is often a requirement for drivers who’ve financed vehicle purchases. This covers just about any other damage to vehicles, such as fire, hail, vandalism, flood and theft.

Premiums

Premiums are what drivers pay for a car insurance policy. A variety of factors affect premiums, including the following.

Your car: The more expensive your car, the more expensive your repairs and insurance rates may be.

Your driving habits: The more you drive, the higher your chance of being in a crash, and greater risk typically means higher premiums.

Where you live: People who live in urban areas usually have higher premiums because of the higher risk of accidents, theft and vandalism.

Your driving record: Someone who has been in multiple incidents or has multiple moving violations is a statistically greater risk than someone with a clean driving record. Premiums follow accordingly.

Your coverage: Accepting a higher deductible can lower your premium because it decreases what your insurance company could be forced to pay. Having higher limits or optional coverage, like collision, on the other hand, can increase what an insurance company may have to pay, which can mean higher premiums.

Credit rating: California, Hawaii and Massachusetts are the only states where insurance companies cannot use drivers’ credit ratings to influence auto insurance premiums.

Insurance Discounts

Always ask your agent if there are any discounts available to you. Depending on the state where you live and your insurance carrier, you may be eligible for savings, such as: 

  • Discount for bundling home and auto insurance policies. 
  • Payment plan discounts for paying in full or switching to automatic monthly deductions.
  • Multi-vehicle discount.  
  • Veteran discount. 
  • Auto club discount. 
  • Good driver discount. 
  • Good student discount. 
  • Rate reductions for safety features on your car. 

In some states, completing a defensive driving course could also help lower your rate and/or reduce points from your driving record.

10 Things Your Auto Insurance Agent Wants to Know About You

When you request a car insurance quote, the insurance agent will ask you many questions. Some questions can seem invasive, but they are a normal part of the process and are needed to provide you with the best coverage and rate. Make things easier by preparing to provide the following details.

Where do you live? When insurance companies determine the cost to insure a particular vehicle, they consider the state in which it is registered as well as the ZIP code. City residents generally pay more for their insurance than those who live in rural areas, and suburban residents fall somewhere in between. This is because you are more likely to be involved in a collision in high traffic areas and are at an increased risk for theft and vandalism.

Instead of simply assigning greater risk to residents of metropolitan areas, auto insurers look at the car insurance claims in your ZIP code and surrounding areas. The claims rates can vary greatly in neighboring towns, which means you could pay more for your insurance than someone who lives right down the road.

Do you own your home? Homeownership may seem completely unrelated to auto insurance, but you will be asked if you rent or own the place where you live. Viewed as an indicator of stability, ownership may mean that you will pay less than a renter. If you currently rent, make sure to notify your insurance company if you eventually purchase a home.

Are you interested in bundling your home and auto insurance? Companies that offer home and auto insurance will usually offer you a discounted rate when you bundle policies. If you own a home, this is a great way to save additional money.

What vehicle are you insuring? Provide details about the make, model and year of the car you are insuring. If you proceed with securing coverage, you will need to provide the vehicle identification number as well. Insurance companies will factor in the cost of the vehicle and its parts, safety ratings and price when determining your premium. Cars that have safety features such as parking assistance, rearview cameras and stability control reduce the chance of accidents.

Does your car have GPS or other location-tracking technology? Vehicles that have GPS or other location-tracking technology are less expensive to insure, as there is a greater chance that they will be recovered if stolen. Tracking systems can pinpoint your vehicle and often track it in real time, providing valuable information that can be used by police to retrieve it. If you have signed up for a vehicle tracking service, make sure to inform your auto insurance provider.

Do you own or finance your car? Drivers who own their car outright have the option to purchase more coverage but are not required to do anything more than state law mandates.

If your car is leased or financed, the lending institution will require you to have comprehensive and collision coverage on top of liability insurance.

What is the car’s primary use? Certain types of driving such as daily commutes to work or school put your car at greater risk for accidents. Explain whether you will be using your car primarily for getting to and from work and business or for recreation, such as weekend drives and trips to the beach.

Who lives in your household? Auto insurance policies typically cover individuals who live in the same household with permission to drive the insured car. If you live with teen drivers, this will also be factored into your premium, as they are considered riskier to insure.

How is your driving record? Your past driving activity is a good predictor of the risk you pose as a driver.

Insurance companies will want to see your motor vehicle report so that they can determine your level of risk.

The more instances of accidents and violations you have, the more you can expect to pay for future insurance. Depending on the state where you live, you can take the AAA Defensive Driving Course to reduce points from your license and possibly qualify for an auto insurance discount.

What coverage are you seeking? This question is likely one of the most important for you as a driver. Discuss liability, collision and comprehensive coverage as well as any specific needs you may have so that you secure the best protection for you and your vehicle. Find out about roadside assistance as well, so you are prepared during an emergency.



Financing Your New Car

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Why You Should Consider Financing Outside of the Dealership

No one wants to drive away from the car dealership with a sense that they are overpaying. Fortunately, that sinking feeling can be avoided by shopping for financing ahead of time.

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

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

Direct Lending

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

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

And applying for an auto loan is a fast and easy process that takes only a few minutes, Lyons added.

Dealership Financing

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

After You Sign

Even if you agreed to the terms, you are not out of options. New car buyers always have the option to refinance. There is no law that says you cannot refinance an auto loan within the first 90 days. Refinancing a car can help you secure a lower interest rate on your loan, reduce your monthly payments and more. 

Financing Made Easy

Aside from choosing your next car, figuring out how to pay for it is the biggest decision in this process. And if you opt to finance through a dealer, you could be spending hours in the office coming to an agreement, all for a loan that may not be the best you can secure.

Learn about financing your car through AAA, and see how much you can save when purchasing a new or used car through the AAA Auto Buying Program.

How to Negotiate a New Car Price
or Lease

Whether you’ve negotiated successfully in the past or never mastered the process, these tips can help you to avoid the sinking feeling that you overpaid.

Research New Car Prices to Determine a Fair Opening Bid

Most car shoppers dread haggling with a salesperson, but the negotiation process is less stressful when you begin on solid footing, which is an informed idea of what you can expect to pay. Research prices before you speak with a dealer so that you can arrive at a fair value for your preferred vehicle. Brand websites allow you to build the exact model you want and see the manufacturer’s suggested retail price. 

Also known as the sticker price, the MSRP will be displayed on the dealer lot or advertised. The dealer will try to stay close to this price. Watch out for additional dealer markups. Due to the demand of popular vehicles, some dealers tack on thousands of extra dollars. 

Car buyers should have a lower opening bid informed by online tools – like the AAA Auto Buying Program website – that show the average range of what other buyers have paid for a specific model. The ideal opening bid is on the low end of that spectrum. Due to the way manufacturers structure dealer discounts and incentives, it’s difficult to determine the exact invoice price, but the rough figure helps you to understand how much a dealer will profit from your purchase. Let the salesperson know that you have arrived at a fair price after thorough research, and always steer the conversation away from the MSRP.

Even if you plan to lease a new car, begin with this step. The full price of a leased car is known as cap cost, short for capitalized cost, and it will appear on your contract. Dealers often try to steer discussions toward monthly lease payments, often lowering them by extending the length of the lease, but a low cap cost is a better way to lower your monthly payment.

Request Multiple Quotes

Gathering competitive bids also gives you some leverage. For those who are particularly stressed about how to negotiate a new car price, a car buying service will do the legwork in exchange for a flat fee or percentage of your purchase or lease. Otherwise, contact multiple dealers so that you can compare quotes and use these to possibly secure an even lower price.

Most manufacturer websites incorporate tools that allow you to compare prices within a certain geographic radius. Depending on how far you are willing to travel, or how much delivery will cost, extend your search beyond the local area. Take your lowest quote to other dealers and see if they will beat it, shopping around until you feel comfortable with the deal.

Take Advantage of Manufacturer Incentives

While you want to avoid paying the retail price listed on manufacturer websites, look there for any incentives that can be applied to your new car deal. Since special offers are determined by location, you will need to provide your ZIP code to see a list of incentives that apply to purchases and leases. The most common incentives are rebates, finance offers and special programs that often are available for recent graduates and veterans.

Discuss Trade-In Value and Monthly Payments Later in the Process  

Have you ever tried to negotiate a new car price only to be asked what your ideal monthly payment would be? Perhaps the most challenging part of negotiations is keeping the conversation on track. Dealers want to stay as close to the MSRP as possible, so salespeople will often steer the discussion away from price toward monthly payments and trade-in values. They can meet your ideal payment in several ways that won’t benefit you including extending the length of a loan or lease. Since cars depreciate quickly and interest adds up, you’ll wind up owing quite a lot more than the car is worth.

The time to discuss trade-in value and monthly payments is after you’ve agreed to the price. As with the fair price you researched for your new car, come prepared with the value of your trade-in. Use a reputable online tool to determine the amount you can expect to receive based on the make, model, age and condition of your car.

Even after following these tips, it can be hard to know when to accept a deal. Certainly, if a dealer can’t come reasonably near your price, it’s time to move on. The same holds true for pressuring tactics. However, if you receive a good offer from a reputable dealer, have the confidence to stop negotiating and move on to the enjoyment of your new vehicle.

Prequalifying for an Auto Loan

What does it mean to prequalify for an auto loan?  

The process of getting an auto loan starts by proving to a lender that you’re a good candidate. When you prequalify, the lender looks at basic information on your financial profile and uses that to determine whether to grant you a loan. It’s the first step in the process of securing a loan and driving away in a new car.

Why prequalify for an auto loan before you shop?

When you prequalify for an auto loan it gives you the assurance that you’ll be able to get the loan you need when you find the perfect car. This makes budgeting easier and avoids disappointment.

Prequalifying also lets the dealership know you’re serious about buying a car. They want to work with people who are planning on going home with a new car, not with people who can’t get a loan or who have no real intention of buying. Walking in prequalified gives you credibility with the dealership, so you can be assured of their attention.

Lastly, you’ll often get a better deal when you prequalify for an auto loan on your own rather than working through the dealership. Spending the time to research the terms at various lenders gives you the best chance for getting a lower interest rate, which will save you money over the life of the loan.

You can apply online, over the phone or in person at AAA. Learn about AAA auto loan services.

Check Your Credit Report

You should check your credit report annually, but this is especially important when it comes time to prequalify for an auto loan. Your credit report will show any loans you have, from a mortgage to a credit card, and includes information on current balances and your payment histories. It also shows loans you have paid in full. If anything is incorrect, you should get the information corrected before you attempt to prequalify. You don’t want incorrect negative information hurting your chances.

If someone is cosigning your auto loan, have them check their credit information as well. You both need accurate credit reports to ensure you get the best terms possible.

Prequalifying for an Auto Loan

Auto Loan Payment Calculator

Whether you are a first-time loan shopper or looking to refinance, use an auto loan payment calculator like this one to get an estimate of what your monthly loan payments will be. Simply plug in the amount of the loan you’re looking for, interest rate and term length. 



Car Buying Research

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Tips for First Time Car Buyers

The car-buying process can seem overwhelming, especially for first-time buyers. But the abundance of vehicle and financing options ensures that there is a perfect car, at the right price, for everyone. If you’re embarking on your initial trip into the automobile-purchasing waters, these tips will help you part the sea of options.

Establish a Budget

The average new car transaction price is nearly $50,000, according to 2024 data from Cox Automotive. You’ll most likely need to finance your car, which means paying in monthly installments. It’s smart to think about  how much you can truly afford to pay each month after covering your other living expenses. Remember, it’s not just about the cost of the car. You should also factor in insurance, gas and maintenance when calculating your budget.

Research Financing Options

When it comes to financing your car purchase, make sure to research your options. Many people simply use the dealer’s lender without thinking twice. If the dealer turns out to be the best option, great. But one of the best first-car buyer tips we can give is to shop around.

There is no shortage of financial institutions and companies willing to help finance your car. The AAA Auto Loan Program, for instance, offers low rates at competitive terms to fit your budget. All you need to do is submit an auto loan application, and you’ll receive a fast credit decision. If the rate changes between the time you apply for your loan and the time you pick up the check, you’ll pay the lower rate.

Buying vs. Leasing

You may be tempted to lease a car instead of buying. When you lease, your monthly payments are generally lower than buying. And while leasing may be a good idea in certain circumstances – say if you know you’ll only need a car for two or three years or you don’t typically put on a lot of mileage – it also comes with pitfalls.

Leases are short-term investments. They have mileage limits that you must adhere to. You’ll also need to pay if there’s any damage to the car that exceeds normal wear and tear. On the other hand, when you purchase a car, your monthly payments will eventually end, and when they do, you’ll own the car. Of course, that also means keeping up with proper maintenance as the car ages.

Do Your Homework

Once you know what ballpark you’re in cost-wise, you need to do some research. Between make, model and trim, there are an exponential number of car options. To sift through the choices, think about what you need from your car. Yes, you may want a sunroof for the few times you drive to the beach, but if you’re on a tight budget, you should look at cars that get good gas mileage.

The AAA Auto Buying Program lets you compare vehicles, see what others have paid and get special member pricing on actual dealer inventory.

Even after narrowing down your search, there will still be plenty of options. Fortunately, there are numerous resources that can help you decide. The AAA Auto Buying Program, for example, lets you compare vehicles, see what others have paid and get special member pricing on actual dealer inventory. 

Check the safety rating of the cars you are interested in with tools provided by the National Highway Traffic Safety Administration and the Insurance Institute for Highway Safety, and look into fuel economy information from the U.S. Department of Energy (fueleconomy.gov).

New vs. Used

One major decision first-time car buyers must make is whether to buy new or used. The downside to purchasing is that your new car is a depreciating asset. In fact, most vehicles generally lose about 20% of their value within the first year and up to 60% within five years, according to Kelley Blue Book.

There is a way to avoid funding this depreciation: Buying used. The idea of buying a brand-new, sparkling car can be tempting, but don’t let that cloud your judgement. Purchasing a pre-owned car can often be the more prudent approach, particularly if you have a tighter budget.

Pre-owned cars may cost less, have many of the latest technology and safety features, and the early depreciation will have been paid for by the previous owner.

Test and Inspect

After finding your perfect first car, it’s time to make the purchase a reality. But don’t be too quick to sign on the dotted line. With all the online research available, it’s easy to forget how you feel behind the wheel. One of the most crucial tips for first-time car buyers – or any buyers – is to test drive the vehicle. There is no other substitute for learning how the car drives and feels. And it should not be simply around the block. Take the car on a route with different driving environments, such as traffic light intersections and highways. It should replicate your normal driving routine as much as possible.

You’ll also need to ensure the car is in good shape. This means getting the car inspected by an independent third party, such as a AAA Approved Auto Repair facility. Don’t wait until after you purchase the car to do this, even if it looks like it’s in pristine condition. If a dealer doesn’t allow it, shop elsewhere. If all goes well, enjoy your new ride.

One of the most crucial tips for first-time car buyers – or any buyers – is to test drive the vehicle.

Check if the car has a spare tire (some new models do not come with a spare but have run-flat tires instead), a jack and a wheel lock key. If you are purchasing a used car, inspect it from front to back, checking for prior body damage, mechanical problems, leaks and anything that looks like it would be an expensive repair down the line. With the AAA Auto Buying Program, you can obtain vehicle reports to see if the car has been in a prior accident and other recent maintenance it may have undergone.

Questions to Ask Before Buying a Car

ASK YOURSELF

It’s not often that you buy a new car, and with hundreds of models to choose from, it can be hard to know where to start. Whether you end up with a sedan, SUV or electric car, the process starts with how you answer these questions.

Question #1
What’s it for?

Is your car for simply getting back and forth to work? Leisure? A mix of both? If you’re buying a fun car for cruising on the weekends, sharp handling might be more important than a commuter vehicle that takes you to your 9-to-5.

Question #2
What kind of passenger and cargo capacity do I need?

A two-seat sports car for a married couple without children might be fine, but it won’t do the trick for a family of five that travels regularly for weekend hockey tournaments. Think carefully about everything that goes in and out of your car.

Question #3
What kind of passenger and cargo capacity do I need?

If you want a car that’s good for the environment and good on gas mileage, you may want to consider going electric or hybrid. The future is electric. Several states have announced plans to ban the sale of gas-powered vehicles by 2035 and brands, including General Motors and Jaguar Land Rover have followed suit with commitments to go all-electric.

Question #4
Do I need an all-weather vehicle?

If you’re planning to venture out onto snow-covered streets, you might consider an all-wheel drive sedan or sport-utility vehicle. Anyone considering an electric vehicle should also think about whether it’ll be out during winter, since extreme temperatures can impact the range of electric vehicles.

ASK THE DEALER

Once you’ve established the type of car you want, it’s time to get into the nitty-gritty with the dealer.

Question #1
Are there any rebates or incentives?

Some dealers may have better prices for recent college grads or repeat customers.

Question #2
What is your best price?

Salespeople may drop the listed price to help close deals with hesitant buyers.

Question #3
What’s the warranty?

New vehicles come with a warranty. Find out exactly what it covers. A plan providing all routine maintenance for two years, for example, can represent a significant cost savings.

Question #4
What is the lifetime upkeep?

Understand how much you can expect in maintenance costs over the life of the vehicle, what types of maintenance apply to your warranty and what could void it.

Question #5
Has this car been in a crash, flood or fire?

This is more of a question for used vehicles. Ask whether the service history is available, too. A proper maintenance record can give you an idea of what it will cost to own the vehicle. the AAA Auto Buying Program allows you to run a vehicle report to see the car’s history.

Question #6
Can I have both keys?

Every car comes off the assembly line with two keys, but some used vehicles are sold with only one. Getting new keys made can be expensive, so ask upfront if the dealer has both.

Question #7
Do I have to finance with the dealer to get the listed price?

Read the fine print on offers. The price you see sometimes may hinge upon financing the vehicle through the dealership at a higher-than-necessary rate.

Buying First Cars for Teen Drivers

Safety First

Safety is a top priority, especially for new drivers. Teenagers are three times as likely as adults to get into a deadly crash while driving, according to the AAA Foundation for Traffic Safety.

Taking over granddad’s car may seem like a good idea, but if it is older, it may lack some of the newer safety systems, such as advanced airbags and backup cameras. 

A good place to start your research is the National Highway Traffic Safety Administration or the Insurance Institute for Highway Safety, where you can view crash test ratings, learn about safety features and more.

Size Matters

There are cars with room for anywhere from two people all the way up to a small army of teenagers. Think like Goldilocks and avoid those two extremes. Instead, go for the just-right option in the middle – you want plenty of protection in case of a fender bender.

Say No to Performance

There isn’t a teenager out there who hasn’t dreamed of having a shiny red sports car in their driveway on the day they turn 16. Let your kids keep dreaming about that fancy sports car and buy them something they can easily handle instead.

High-horsepower sports cars are fun but aren’t a good idea for those who are still learning to drive.

Think Long Term

Although you may be buying your child’s first car in high school, there’s a good chance it won’t be replaced until after college. It’s important to get a car that will last through all those years. Consider a car with extra room for hauling stuff back and forth to college and apartments. Hatchbacks are great at doing double duty, with plenty of seating for passengers and a versatile cargo area.

Go With Good Fuel Economy

Your child will likely go from broke high schooler to broke college student, so every penny matters. Buying a first car with good fuel economy ensures they’ll be able to keep if fueled up and ready to go throughout their college years.

Don’t Forget Tech

Technology is generally a good thing, but it’s also a major cause of distracted driving. As a parent, how do you make sure your child is using in-car technology safely?

Features like Apple CarPlay and Android Auto seamlessly integrate smartphones with in-dash systems and reduce the temptation to pick up the phone, but have also proved to be distracting. Automakers are helping by adding teen driver systems that keep the radio’s noise level down, encourage seat belt fastening and more. The systems also provide parenting-assistance options, so parents can coach their kids toward better driving habits. 

If you are in the market for a new car, keep in mind that it may be your kid’s car in a few years. Spring for the extra tech; however, when teaching your teen to drive, turn off some of the advanced driver assistance systems, so they can learn without becoming too reliant on them.

Test Drive Tips

If you plan to buy a vehicle, a proper test drive is important. The typical 20- to 30-minute test drive doesn’t offer a ton of opportunity to gauge if a vehicle is right for you, but you can use it wisely. Here’s what AAA’s Car Doctor John Paul recommends.

Successful test drives start at home. Identify what you want in a vehicle vs. what you need. A Ferrari might look fantastic, but it’s probably not the best choice for a family of four with two dogs.

A salesperson may recommend a route aimed at keeping you on freshly paved roads or in low-traffic areas. Ask to chart your own course that suits your driving habits. Drivers who merge into heavy highway traffic every morning probably should know how it would feel to do that.

Most drivers develop go-to spots for wallets, cellphones and sunglasses. Reenact your routine to see if a vehicle has good spots for your stuff. See if you’re comfortable with the controls. All new cars come with a learning curve, but being intimidated by a large touch screen might be a sign the fully loaded model isn’t a good fit.

Pay attention to how easy it is to get in and out of the vehicle. Minor difficulties on a test drive could become serious nuisances over time, especially if you’re in and out of your car a lot.

Speaking of touch screens, test drive the tech as much as the car. Try out the backup camera, see how responsive the lane-assist technology is and play with all the other buttons, gadgets and features your new car may come with. Are you impressed that your car has the potential to park itself? Try it out.

Adjust the driver’s seat as if you had backseat passengers, then judge if it’s comfortable. This is also a good way to see if a vehicle has any blind spots or may be difficult to drive in reverse.

If you have children, think about how difficult it might be to install their car seats and how challenging it might be to get them in and out of the vehicle.

Don’t fixate on cup holders. You may like to have your morning coffee within reach, but a conveniently located receptacle doesn’t make up for other shortfalls.

Drive the car at night, if possible. Some headlights are better than others.



Buying a New Car

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A new car is an exciting – and significant – purchase. Getting a safe, reliable car can be a big expense that requires a lot of research. And if you’ve never done it before, or haven’t done it in a while, the car buying process can certainly be intimidating. 

Fortunately, AAA is here to help. 

We have tips to get you through every step of buying a new car – whatever “new” means to you – whether you’re getting the latest model on the market, a used car or a lease. From searching for the perfect vehicle to insuring, financing and more, this guide has all the information you need to confidently drive off in your fresh set of wheels.

Helpful AAA Resources



Your AAA Spring 2024

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Dear Members,

We are excited to welcome you to the new digital version of Your AAA Magazine. As we embrace the future and all its possibilities, we are thrilled to bring you the same great content you’ve come to love, now in a more accessible and convenient format.

Our new digital magazine offers a seamless reading experience, with interactive features and multimedia content that bring our stories to life. Plus, you can now take us with you wherever you go, on your tablet, smartphone or laptop. We’re also saving tons of paper and reducing our carbon footprint by digitally delivering the articles, discounts, games and the rest of the content you love.

As we venture down this road, as always, we value your feedback. We hope you’ll take the time to let us know what you’d like to see more of as we plan the future issues. Thank you for your continued support, and we hope you enjoy this new chapter in our journey together.

— The Editors of Your AAA Magazine

AAA in the Community

Join Us for Spring Cleanups

Members are invited to join AAA Northeast employees to spruce up parks, beaches and other outdoor spaces this spring.

Last year, more than 350 members volunteered with AAA at 16 cleanups across the Northeast. This year, we’ve scheduled even more events throughout our territory. To sign up, visit AAA Cares.

We’re also looking forward to another successful summer food drive this year. Every AAA Northeast branch throughout the territory will be collecting nonperishable items for local organizations to help people in need.

And, a big thank you to our members who so generously donated to our warm clothing drive in December. In total, the branches collected almost 7,500 items for local organizations.

From left, Shannon Reyes and Tom Ryan of AAA Northeast with representatives of Dorcus International Institute of Rhode Island, Victoria Lancellotta, Naydine Rock and Sheri Lupoli. Ten AAA branches teamed up to raise over 1,500 warm clothing items for the social service organization.

From left, Shannon Reyes and Tom Ryan of AAA Northeast with representatives of Dorcus International Institute of Rhode Island, Victoria Lancellotta, Naydine Rock and Sheri Lupoli. Ten AAA branches teamed up to raise over 1,500 warm clothing items for the social service organization.

For details about all upcoming community events and to sign up for an area cleanup, visit AAA.com/AAACares.

From left, Shannon Reyes and Tom Ryan of AAA Northeast with representatives of Dorcus International Institute of Rhode Island, Victoria Lancellotta, Naydine Rock and Sheri Lupoli. Ten AAA branches teamed up to raise over 1,500 warm clothing items for the social service organization.

From left, Shannon Reyes and Tom Ryan of AAA Northeast with representatives of Dorcus International Institute of Rhode Island, Victoria Lancellotta, Naydine Rock and Sheri Lupoli. Ten AAA branches teamed up to raise over 1,500 warm clothing items for the social service organization.

AAA in the Community

Join Us for Spring Cleanups

Members are invited to join AAA Northeast employees to spruce up parks, beaches and other outdoor spaces this spring.

Last year, more than 350 members volunteered with AAA at 16 cleanups across the Northeast. This year, we’ve scheduled even more events throughout our territory.

We’re also looking forward to another successful summer food drive this year. Every AAA Northeast branch throughout the territory will be collecting nonperishable items for local organizations to help people in need.

And, a big thank you to our members who so generously donated to our warm clothing drive in December. In total, the branches collected almost 7,500 items for local organizations.

For details about all upcoming community events and to sign up for an area cleanup, visit AAA.com/AAACares.

Branching Out

Benefits That Might Surprise You

Lost and found for pets: Our free AAA Pet ID Tag
Program helps to safely reunite lost pets with their humans. Members can drop by any AAA Northeast branch to sign up.

Just provide us with your pet’s name, breed and color and we’ll give you a collar tag imprinted with the AAA phone number and a unique serial number registered to your membership.

With this tag, there’s no need to put your personal information on your pet’s collar. If someone finds your pet, they can call AAA, day or night, and we’ll act as a liaison to reunite you with your pet in a safe environment.

For more information, visit AAA.com/PetTags.

Keep the Change

Saving Money on a Microscale

By Sarah Hopkins

What are you supposed to do with all your spare change? Almost nothing costs a quarter anymore, but money is still money. Try these simple ways to put your coins to good use. 

Storing Your Change 

If you’ve ever had the pleasure of smashing a piggy bank, you know that spare change can add up fast. Instead of letting coins gather dust in your couch cushions, car, bag or pockets, try collecting them in a single location. Put a jar or a dish near your front entrance, or where you hang up your coat. Whenever you come in after a long day, you can toss your change into it and lighten your load. 

If you’re old-school, you can wait until your jar is full and start rolling your quarters, dimes, nickels and pennies to take straight to the bank. 

Coin Counting Machines

A great option for those who don’t have time to sort through their change is to take it to a coin counting machine. You can find these at places like grocery stores, pharmacies and banks. Just dump your change into the receiving tray and let the machine do the counting work for you. Usually, you can get a receipt to bring to a nearby register or teller to get cash in return. 

Some of these coin counting machines take a cut of cash as a fee. If you can’t bear the thought of that, check if your bank has a machine that you can use for free. 

Can’t find a bank with a machine? You might be able to exchange your coins for a gift card. Machines sometimes offer to waive their fee and put your balance on a gift card instead. Depending on what you want the money for, that might be a good alternative for you. You can also choose to donate your balance to a selection of charities. You can get rid of your coins and do a good deed at the same time! 

Cash-free Change Solutions

Who even uses cash anymore? Well, there are still ways to save your change even if you’ve gone cashless. Check with your local bank or credit union to see if they have a change-saving functionality. When you purchase something with your debit card, it can automatically round up to the next dollar and deposit the change into an account of your choice. It’s a neat way to spend and save at the same time. 

If your bank doesn’t offer a function like this, you can use a third-party app like Acorns or Chime. Some even allow you to automatically invest your spare change — while watching your money grow!

Learn more about your savings options with AAA and Discover Bank.

How to Use a Home Equity Loan
for Renovations and More

Taking out a home equity loan could be an effective way of paying for house upgrades or other major life expenses.

By Andrew Sheldon

Big expenses come at us throughout our lives, sometimes unexpectedly, sometimes planned. Regardless of the circumstance, you’ll need a way to finance these major purchases when they arise. If you own a home, your best course of action may be a home equity loan.

Home equity loans allow you to use your house as collateral and you can use the money for anything you like. Many people take out home equity loans to finance renovation projects that make their property more valuable.

Find out about AAA home equity rates and other mortgage services.

What are Home Equity Loans?

Also known as a second mortgage, a home equity loan allows homeowners to borrow money against the value of their home.

Home equity is calculated by taking the current value of your residence and subtracting your outstanding mortgage balance. For example, if your house is estimated to be worth $500,000, and you still owe $100,000 on your mortgage, then you have $400,000 in equity. Your loan will be borrowed against this total. Typically, most lenders will allow you to borrow up to 80% of the value of your property minus the first mortgage balance.

Home equity loans usually come with fixed rates. This means that home equity loans will be less expensive over the lifetime of the loan than financing your large expense via credit cards or other loan types. You may also be able to deduct the home equity loan interest payments from your taxes. We recommend consulting a tax advisor for personal tax guidance.

There is some risk involved. If you are unable to pay back the loan, the lender could choose to foreclose on your house. Therefore, you’ll want to be on sound financial footing before taking one out.

How Do Home Equity Loans Work?

Your home equity loan will be paid out in a single lump sum. This comes with its own pros and cons. On the bright side, you’ll have access to all the funds you need right away. But, since you’re not borrowing money as you need it, you’ll want a good estimate of how much money you need to borrow from the start. If your home renovation project costs less than the amount borrowed, you’ll still need to repay the entirety of the loan, usually in monthly installments that begin soon after the money is available.

If you’re unsure of how much money you will need, you may want to consider a home equity line of credit. Just like a home equity loan, a line of credit allows you to borrow against the equity in your home, but instead of receiving all the funds upfront, you can withdraw money as you need it. Line of credit loans function much like a credit card in that once you reach your credit cap, your balance will need to be repaid before you can withdraw more money.

What Can Home Equity Loans Be Used For?

Home equity loans do not need to be used on your home. The money can be spent on any big expense you need help financing, such as a wedding or business startup. One popular use for them is paying off credit card debt. Credit card interest rates are notoriously high. Paying off your credit card debt with funds from a home equity loan could save you a significant amount of money in the long term. It will also help consolidate your debt and make just one payment every month.

Although funds from a home equity loan can be used for anything, it’s important to note that interest from these loans is tax deductible if the funds are used on a home renovation project. Consult a tax advisor to see if your project is eligible.

There’s another convincing argument for using the loan on your home: It is a great return on investment. If you use the funds to add an extra bedroom, remodel the kitchen or install a pool in the backyard, you’re increasing the value of your property, which you will own entirely once your mortgage is paid off.

Let AAA help finance your project with a low-rate home equity loan.

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Say ‘Yes!’ to Engagement Ring Insurance

Keep your sparkler protected with these options

Enhance Your Coverage

Ask your insurance agent to increase your liability limit. On most standard homeowners and renters policies, coverage for jewelry is significantly less than the average price of an engagement ring. 

Customize Your Coverage 

Extend extra love to your engagement ring with a floater policy. Designed to protect high-value items beyond the limits of your homeowners or renters policy, a floater covers losses of any type, including accidents (like dropping your ring down the sink). Floater policies are replacement cost policies, meaning you will be compensated for a ring of equal value and quality. There is usually no deductible for a jewelry claim. 

Specialty Jewelry Policy  

This is a good option for those who don’t have a homeowners or renters policy, such as adult children living with their parents.

Find great rates on jewelry insurance with AAA Insurance.

Wind Damage and Your Insurance

How to Prepare for the Worst and Be ready for whichever way the wind blows

By Sarah Vincelette

In years past, high winds were symptomatic of the occasional tropical storm or offshore hurricane, but recently, it feels as though the severe wind warning on our phones is going off way more than usual. With the increase of windy conditions in the Northeast, it’s natural to wonder if you are covered for damage caused by windstorms. 

Wind damage insurance claims are an unfortunate reality for many homeowners, but understanding how to prepare and handle them can help ease your worry.

Is Wind Damage Covered by Insurance?

“Standard homeowners insurance policies provide coverage for damage caused by wind, snow and ice to property and personal possessions,” according to the Insurance Information Institute. But the extent of coverage may vary depending on the specific terms and conditions outlined in your policy. It’s important to review your insurance policy carefully to understand the scope of coverage for wind-related hazards.

If wind has caused damage to your vehicle, such an incident would be covered under the comprehensive portion of your auto insurance policy.

Making a Wind Damage Insurance Claim

If wind damages your home or car, what’s next?

First, document the extent of the wind damage by taking photos or videos and make a list of any broken items, being sure to note any structural issues. Once the damage has been recorded, contact your insurance company as soon as possible to initiate the claims process. Provide them with all relevant information, including the date and cause of the damage.

After your claim has been filed, the insurance company will typically send an adjuster to assess the damage in person. Be prepared to show them the documented evidence and answer any questions they may have. At this point, repair estimates from qualified contractors will need to be given to the insurance company. This helps ensure that your settlement amount aligns with the actual cost of repairs.

Then it’s just down to following the claims process. Work closely with your insurance company to complete the necessary paperwork and fulfill any additional requirements. Also be sure to keep track of all communications and documents related to the claim in case it’s necessary to reference them in the future. 

Review your homeowners coverage with a AAA insurance agent.

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Spend a Moment at KIN Southern Table + Bar

Take in the sights, sounds and surroundings with AAA editors as we visit some of our favorite places in the Northeast to hang out.

Follow the heavenly scent of freshly baked cornbread, fried-to-perfection catfish and collard greens to Kin’s front door in downtown Providence. Here you feel like family, which is exactly what owner Julia Broome aims to do.

Health Tip: Driving Ergonomics

The secret to being comfier behind the wheel.

Practicing correct posture while you drive isn’t just good for your health, it’s good for your safety on the road, too. It could help improve circulation, minimize fatigue and even reduce the risk of serious injury in a crash. Learn how to properly align your spine and get tips to maintain an ergonomic seated position when driving.

U.S. Ecotourism Destinations

Where to travel responsibly, domestically.

By Ellen R. Delisio

Typically, vacations are a time to chill, scrap the agendas and give little thought to what happens when you leave your destination. Ecotourism, though, is giving vacations a whole new look and mission. It means learning about the culture, history and environment of the places you visit and not causing any harm while you are there.

European cities like Zurich, Switzerland, and Copenhagen, Denmark, are the names that usually come up when discussing sustainable travel destinations. But ecotourism trips are popular and plentiful in the U.S., allowing travelers to relax and give back stateside.

It’s Easy Being Green

Not too long ago, ecotourism was a specialty niche, but now it is reshaping the travel industry. While ecotourism trips may sound like treks through the rainforests, swamps and jungles of the world – and some, of course, are – they can be booked anywhere. Many of the top destinations are in the U.S. 

Any trip can become eco-friendly if you spend less time driving and more time hiking, biking and cleaning up the environment, and opt for lodging with fewer frills and that supports the local economy.

U.S. Ecotourism Is Trending Up

The U.S. is rapidly expanding its spot in the ecotourism market. The nation’s sustainable tourism industry is nearly 7.5% of the global market. In 2023, that market’s estimated value was over $258 million, and it is projected to climb to above $663 million by 2033.

Interest in ecotourism is surging across all age groups, according to AAA Northeast travel advisor Brian Garland. 

AAA Travel is developing extensive expertise in the sustainable travel market and become a leader in ecotourism. It recently partnered with Tourism Cares, a nonprofit dedicated to the long-term survival of the travel and tourism industry, to create sustainable itineraries for popular destinations. 

Plan your eco-friendly vacation with the help of a AAA travel advisor.

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Discover these eco-friendly destinations with AAA Travel. Book your adventure today!

Explore America’s Last Frontier with AAA Member Choice Vacations

Hiking in Yosemite and the Sierra Nevada

Winter Hiking and Snowshoeing in Rocky Mountain National Park

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Book Hyatt Regency Maui with Pleasant Holidays

First Passage to the West Discovery with Rocky Mountaineer

Sprinting Through Paris

A guide to visiting the city on a time crunch.

By Karen Croke

The 2024 Summer Olympics will be in Paris from July 26 to Aug. 11, bringing an estimated 11.3 million tourists, according to the Paris Tourist Office-Convention Bureau. Whether you’re visiting for the games or just for the summer, you don’t need to be a world-class sprinter to take in all the sights. Paris is easy to navigate by metro, bike or walking.

Ready to take a quick spin through the City of Light?

First Stop:
THE EIFFEL TOWER OF COURSE!

The most popular tourist attraction in the world welcomes 6 million guests each year. Along with the views, there’s a Michelin-starred restaurant, champagne bar, exhibits and shops. The busiest season? July and August, naturally. Tickets are available up to two months in advance, but you can queue up the day of, as well. Lines can be lengthy, so check the website for wait times and info on prices, hours and what to do. 

What’s Nearby: Walk across the Pont d’lena to Trocadero Gardens, which align perfectly with the base of the “Iron Lady,” offering an ideal photo op! The complex includes museums, sculptures and Warsaw fountains.

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Follow the Trends

Check out the Marais, a hip neighborhood lined with bars, clubs and restaurants – also home to several important galleries and art museums, including the Pompidou Centre and Musee Picasso. Don’t miss the imposing Hotel de Ville, which houses the Paris City Council. The Marais is the site of the city’s annual Gay Pride Parade in June.

What’s Nearby: Paris’s oldest covered market, Les Enfants Rouges, dates to 1615. It’s filled with covered stalls selling produce, fish and meat. Find it near Rue de Bretagne. 

Looking for That Famous Pyramid? 

Designed by I.M. Pei, the impressive glass Louvre Pyramid serves as one of the entrances to the equally famed Louvre Museum. Once a royal palace, it houses a collection that includes the “Mona Lisa,” the Venus de Milo, Greek statues and Renaissance masterpieces. 

What’s Nearby: Pretend you’re a 16th century royal by strolling the formal gardens of Jardin des Tuileries, dotted with fountains and sculpture by Rodin.

Shop Till You Drop

For some serious retail therapy, stop into Bon Marche Rive Gauche. Opened in 1852, it is France’s best known department store. 

BHV Marais sells everything from housewares to handbags. The original building, which dates to 1866, has been joined by a menswear store and boutiques dedicated to brands such as Gucci and Moncler. 

What’s Nearby: The Champs-Elysees is made for strolling and browsing, dotted with luxury brands and middle market retailers. The broad, leafy avenue connects two must-see landmarks at either end: Place de la Concorde and the Arc de Triomphe.

Get Out of Town!

These two monumental destinations are just outside the city proper. The Palace of Versailles is a UNESCO World Heritage Site and former royal palace with 2,000 rooms and a spectacular Hall of Mirrors. It will host the Olympic equestrian events, including dressage and show jumping, so visitors will find special exhibits and tours designed around arts and sports. For a different vibe, Disneyland Paris has all the magic you could want.

Tourist Trapped: The Big Duck

Exploring the weirdest local tourist attractions and exiting through the gift shop.

By Sarah Hopkins

Roadside attractions are a staple of Americana, from giant balls of twine to palaces made of corn. But do such tourist traps deserve their bad rap? There’s a beauty and earnestness in kitsch that endears these landmarks to me, none more so than the Big Duck. 

The Big Duck in Flanders, N.Y., is a Long Island landmark. At 20 feet tall and 30 feet long, it’s about a zillion times bigger than a normal duck, give or take. Originally built in 1931 by farmer Martin Maurer, the duck advertised the eggs and ducks that were for sale within. The Big Duck is so iconic that the word “duck” is commonly used to describe novelty architecture that resembles the item it’s advertising.

You can’t buy ducks inside the Big Duck anymore, but you can buy souvenirs. I bought a mug and a button before I had to stop myself. The duck is also filled with memorabilia that tracks its journey over the past century. Duck docents within can give you a history of the duck, plus recommendations on what to do nearby. 

Photo: Sarah Hopkins

Photo: Sarah Hopkins

“Where are you headed?” the friendly docent asked when I arrived. 

“Here,” I replied. 

“What?” the docent said. “Why?” 

The Big Duck is not usually a destination itself, more like a stop on a long road trip. But I was just happy to finally see this icon of Long Island up close and personal. It’s so beloved by the community that there’s even an annual “duck lighting” in which the duck is draped in lights to celebrate the holiday season. It’s a festive compliment to the duck’s eyes, which emit a red glow every night. 

When they dig the duck up in 1,000 years, future humans will probably think we worshipped it. And in many ways, they’d be right.

Women Are Taking the Driver’s Seat

Women-only car and motorcycle clubs are all about building friendships and helping communities.

By Ellen R. Delisio

Women-only car and motorcycle clubs are all over the country and members find them the perfect outlet for making friends and talking about their vehicles. 

For the Love of Jeeps

“It’s all about woman empowerment,” said Shawnna Sanborn, executive director of the Jeep Girl Mafia Club, a national organization for female Jeep owners. “The women [in our club] empower one another; we build each other up and truly want to better our communities.”

Founded in 2019 by Nicole McGill, the club has about 26,000 members nationwide with multiple chapters and groups on Facebook. 

“The off-road community is male-dominated,” said Sanborn, explaining the club’s origins. “If women joined a Facebook group or asked a question about a Jeep, they would sometimes get discouraged. McGill created a safe place for women.” 

The Jeep Girl Mafia Club plans meets and shows, and hosts fundraisers and get-togethers throughout the year. 

Photo: Shawnna Sanborn

Photo: Shawnna Sanborn

“It’s a community,” Sanborn said. “I moved from California to Texas and met all these friends because of my Jeep. 

“My favorite thing is when we receive emails or see posts or comments online about how Jeep Girl Mafia has helped so many women build their confidence or even find their own tribe within the club,” she added.

Driving More Women to Racing

On the tracks and roads, the New England Region Sports Car Club of America (NER SCCA) and its initiative SCCA Women on Track are striving to increase women’s participation in its events, which include rallycross, autocross, road racing and road rallies. Tamra Krystinik, who participates in both groups, said women can participate in any event. At some national competitions, there are women-only events, she added.

“There is a certain level of camaraderie with women. They are supportive, and you have a great time,” Krystinik said. She also competed in an open autocross event and won a national championship, only the fourth woman to win an open national championship. 

“There’s a stigma that racing is a guy’s thing,” Krystinik said. “But the more women who get involved, the less stigma there will be.”

Women who appreciate cars have always been around, and now, clubs are giving them fellowship and influence.

“I think 100% more women are interested in cars than most people realize,” Stone said. “Manufacturers are realizing that women do like cars – they are offering them in more vibrant colors and wrapped colors.”

Photo: Shawnna Sanborn

Photo: Shawnna Sanborn

Photo: Lady Driven New England

Photo: Lady Driven New England

Get Your Motor Running

Waves of women are also hitting the highways on their motorcycles. There are more than 100 women-only motorcycle clubs in the U.S., among them, the Sirens Women’s+ Motorcycle Club of New York City. The 38-year-old club has about 69 active members, including some from Pennsylvania, New Jersey, Long Island and upstate New York. 

“We were seeking camaraderie and mutual support,” said Cheryl Stewart, one of the founding members. “There were just so many obstacles to motorcycle ownership for women [years ago]. We weren’t taken seriously when we took our bikes to repair shops or tried to purchase motorcycles.”

The Sirens have had the honor of leading Pride marches in the New York City area.

What to Know Before Buying an E-Bike

By Ellen R. Delisio

The status of e-bikes grew rapidly in a short time, from novelty to cheap transportation, to exercise with a boost.

That rapid growth led to a kind of Wild West atmosphere, with use outpacing public policy in some areas. It has taken a while for regulations to catch up and questions remain, according to Mark W. Hoffacker, director of bicycle safety education at the New York Bicycling Coalition. “Even law enforcement is trying to get up to speed,” he said.

For those considering buying an e-bike, there are laws and practices you should be aware of, especially since riders do not always need licenses or insurance to ride. Speed is regulated in many states based on the three-tier classification of e-bikes, but other laws are not as well-known. 

Forty states have a minimum age for riding an e-bike, ranging from 14 to 18. For most of the Northeast, the required age is 16, except for New Jersey, where it is 15. Twelve states, including Massachusetts and New Jersey, require motorized bicycle riders to carry an operator’s license. Thirty states prohibit riding an e-bike on a sidewalk.

Read more about the e-bike experience.

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Parent-Approved Car Features

Safety features, cargo space and outlets top the list.

By Ellen R. Delisio

We all have wants and needs. When it comes to cars, parents may yearn for a Corvette, but packing strollers and diaper bags makes that impractical.

But there are car features that make parents’ hearts quicken, even if their younger selves would have rolled their eyes. 

“Just like with any car shopping, families need to look at what they need versus what they want,” said AAA’s Car Doctor John Paul. “They should look at budget, space, dependability and value.”

Top Priorities 

For parents, safety certification is usually the No. 1 priority for their vehicles. They want cars or vans that are top safety picks of the National Highway Traffic Safety Administration and Insurance Institute for Highway Safety and include the latest safety features. 

Paul’s research has revealed some of the most sought-after car features for parents. 

  • Keyless entry and push-button start.
  • A remote starter. 
  • Hands-free or kick-to-open hatches are handy, albeit a little awkward. 
  • Extra outlets for electronics. 
  • Lots of oversize cup holders that can hold juice boxes. 
  • Built-in hooks to secure shopping bags. 
  • Attachments for easily installing car seats. 
  • Is there room for the dog? 
  • Give me room, lots of room!

After that, depending on the age of the children, it’s all about space. Babies and toddlers need items like strollers, diaper bags, toys and snacks, and older kids bring friends and sports equipment. 

We asked some of the parents at AAA Northeast what they value most in a car, and space and storage were the most common responses. 

“With two young children, my must-haves are a lot of interior and cargo space, as well as keyless entry and a rear lift gate for when my hands are full,” said Katie Kohlmier, project manager for marketing operations. 

“For me, it’s cargo room over compartments,” said new dad David Dhanpat, senior marketing specialist. “The extra space comes in handy when carrying around multiple bags for diapers, clothes, wipes and a stroller. Also, a rear-seat camera or mirror gives me peace of mind when I’m driving alone with the baby.”

Lauren Paterno, senior government affairs advisor, loves the optional third-row seat in her car. “It provides room for our family to grow or allows for an extra child during a carpool.” Built-in sunshades are a plus for Paterno, as well as extra USB connections in the back seats.

Once safety and practicality are covered, sometimes there’s still room for fun extras the whole family can appreciate. “When my son was younger, I told myself that a moonroof was a must-have so he could enjoy watching nature as we drove,” said Andrew Rosen, vice president of brand and content marketing. “I now realize – and admit – that the glass roof was really for me.”

Get more car safety tips for expecting and new parents.

Spring Tire Tips

Tire care is where the rubber meets the road

As you prepare your ride for all the road trips and extra miles ahead this spring and summer, don’t forget these tire maintenance basics.

  • Check the tire pressure of all tires. The manufacturer’s specifications for optimal tire inflation are found on the driver’s side door jamb or in the owner’s manual. Tires require more air in colder months, so as temperatures rise, make sure they are not overinflated.
  • Check tire treads.
  • Rotate the tires each time you get the oil changed, ideally every 5,000 miles. This helps the tires to wear evenly and ensures the tires with the best tread are on the front of the car.

Spring is pothole season. For added protection, purchase AAA’s Tire & Wheel Plan, which provides coverage for tire and wheel damage, small dents and lost keys.



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Combine large, bold images with the beautifully crafted words of your story.

Writing is a medium of communication that represents language through the inscription of signs and symbols.

In most languages, writing is a complement to speech or spoken language. Writing is not a language but a form of technology. Within a language system, writing relies on many of the same structures as speech, such as vocabulary, grammar and semantics, with the added dependency of a system of signs or symbols, usually in the form of a formal alphabet. The result of writing is generally called text, and the recipient of text is called a reader. Motivations for writing include publication, storytelling, correspondence and diary. Writing has been instrumental in keeping history, dissemination of knowledge through the media and the formation of legal systems.