Three Tips to Maximize the Life of Your Car

So much money goes into your car that you want it to last as long as possible. These three tips will keep your car running so you can spend less on maintenance, new cars and higher insurance premiums.

Keep up With Maintenance

First and foremost, follow the maintenance schedule in your owner’s manual. You already know that you need to stay on top of oil changes and fluid maintenance, but many car owners forget about fuel filters, radiator flushes, timing belts and transmission flushes. While this feels like a lot of maintenance to track, none of the items on the list need service as frequently as the oil filter, so it really isn’t that much. Timing belts, for instance, usually only need to be changed once over the life of a car. That makes it easy to forget, so review the maintenance schedule every now and then if you really want your car to last.

Improve Your Driving

All of those tips you’ve heard about defensive driving will help you avoid accidents, keeping you safe and saving you money. You might not realize it, but those techniques also prolong the life of your car. Aggressive and fast driving create substantially more wear on a vehicle, so if you want the most mileage before you have to see a dealer, slow down and drive carefully. In general, the lower you can keep your average RPMs the better your engine will do. Additionally, if you have a manual transmission, smoother shifting is sure to minimize engine and transmission stress.

Master the Elements

Nature is not kind to you vehicle, and there are two major elements that will harm it the most: sun and snow. Excessive exposure to sunlight will rot exposed rubber, fade paint and generally make life difficult. The obvious solution is to park in the shade as much as possible, but if you can’t, stay on top of rotating your tires and replacing rubber hoses and parts in the engine. Snow and ice are hard on the car, but the real danger comes from salt. If you live in a region where roads are regularly salted, the key to protecting your car is to wash it. Obviously you have to strategize around the cold, so your best bet is a car wash that does not recycle water. Wash your car regularly during the snowy months and the salt damage will be kept at bay.

You can further protect your car with good insurance coverage. Check out Neff & Associates Insurance Services Inc to see how you can get better protection for less money.

How To Remodel A Rental In Pismo Beach

Renting can be a great opportunity to live in different properties in Pismo Beach before you know what you want to buy. Unfortunately, rentals are not your own, therefore you cannot remodel to the full extent you may otherwise desire. There are a few ways that you can remodel, no matter what.

Determine your budget for remodeling. The more money you have, the easier it will be to remodel the level you desire.

Have a serious talk with your landlord to find out what you are able to do. The landlord may not care what you want to do as long it’s going to look aesthetically pleasing and you are going to front the costs. Review your leasing agreement as well as the local laws to determine what should be covered by the landlord. For example, if the floors are in bad repair, it may be the responsibility of the landlord to replace them.

Start with a few basic changes that can improve appearance that you can always set back to the way they were when you move out. This includes lighting, changing out the drawer pulls, and more. You may be able to apply fresh coat of paint to the walls, and always repaint before you move out.

You may be able to use stick on tiles for the floors as well as to create a fun backsplash. You may also be able to use a wall-mounted rack in order to get them out of the cabinets to give you more space. Consider a few different shelving systems as well.

If you’re renting, Neff & Associates Insurance Services Inc. can help you to find a policy to provide you with peace of mind in Pismo Beach. Call now and let us get quotes to ensure you get affordable coverage.

 

Why Independent Insurance Agents Matter

When you need insurance – be it home, auto, business or life, you can get it wherever you want. You can get it wherever is quickest. Right? Wrong. By doing this, you are costing yourself quality customer service, significant amount of money and adequate protection. Buying any type of insurance is not like heading to the grocery store to purchase a gallon of milk or a load of bread. Insurance is your home’s, car’s, business’s or family’s safety net. It is not a purchase that should be treated lightly.

Where to Purchase Insurance?

With all of that being said, should you go online and purchase your insurance? Unlikely. This is because you don’t receive any direction or assistance from a qualified insurance professional, so how do you know you’re making the best decision? If you go to a captive agent, then you aren’t going to be able to receive quotes so that you compare one quote to another to ensure you’re getting the best possible bang for your bank. This is because this particular type of agent sells insurance for a single company.

Where Do You Go Then?

Luckily, you get all of that and a whole lot more by selecting to do business with an independent insurance agent. These agents represent multiple insurance companies and perform research in order to ensure that you receive the best service, coverage and price.

In the end, independent insurance agents, like Neff & Associates Insurance Services Inc, are strong, savvy and adaptable. We are willing to do what it takes to make you – their customer – happy because your happiness and satisfaction is the key to our success.

Top Power Outage Essentials

Power outages are more than just an inconvenience, they can change your way of life for hours or even days. Neff & Associates Insurance Services, Inc wants to help you prepare in case of an outage in the Pismo Beach, CA area.

Light Sources

Keep flashlights in several convenient locations within your home. Also, keep a few battery-operated lanterns on hand. These will provide more light than a handheld flashlight. Candles make a suitable source of light in a pinch, but battery-powered light sources are much safer.

Radio

Keep a small battery-operated radio around in case the power fails; this way you can continue to receive updates on the outage. Be sure to keep plenty of batteries around to power your radio and flashlights.

Washing/Bathroom Facilities

If you have a well or septic system, you will need to get creative during an outage. Stock plenty of water—not only for drinking but also for washing and using the restroom. Homeowners with well pumps and septic systems will not be able to run water or flush toilets when the power is out. A good stock of water jugs will get you through an outage, and pouring water into a toilet will force it to flush when there is no power to your well pump.

Sustenance

Keep food on hand that has a significant shelf life and can be eaten with minimal preparation. Protein bars, canned tuna, beans, peanut butter, crackers, and dehydrated fruits can each help provide the carbs, fiber, protein, minerals, and vitamins to keep your energy up during the outage.

For more information on how to prepare for a power outage or to find out which types of losses due to an outage may be covered by your homeowners’ insurance policy, call Neff & Associates Insurance Services, Inc today.

Safe Motorcycle Driving Tips During Deer Season

Cooler weather means beautiful rides on your motorcycle through the mountains and on back roads. However, there is one thing you should look out for while riding during this time of the year: deer. This season is mating and migration season of deer and while you may see them during other times of the year, you are more likely to see them now more than ever. Stay safe while riding your motorcycle this season with these helpful tips.

  • Pay attention during the early evening and early morning. They tend to move more at dusk and dawn so keep your eyes open! You are more likely to see them during this time of the day.
  • If you see more, look for others. They tend to travel in herds so if you see one, you will likely see more shortly afterwards. Do not just assume that it was the only deer around. 
  • Wear your helmet. This is a safety precaution you should always enforce but especially during deer season. If you do hit one, you want to be as safe as possible. 
  • When riding in a group, spread out. The reason for this is that by riding a bit spread out, in the case of a collision, you are less likely to take your friends down with you.
  • Don’t swerve to avoid the collision if it is inevitable. You want your motorcycle to be stabilized if it hits an animal. Instead, brake hard until the collision to lessen the force.

Make sure you have the right insurance. This cannot be stressed enough! In California, you are required to have insurance to drive your motorcycle. If you do not have insurance that would cover you in the case of an accident, contact Neff & Associates Insurance Services, Inc. serving Pismo Beach, CA, for policy information.

Insurance Tips For Your Home Based Business

When you live in Pismo Beach, California and your business is based inside the home, it is important to pay attention to insurance. Your homeowner’s insurance isn’t going to be the only type of policy that is required. There may be several add-ons that you need to consider for coverage and potentially additional policies. This will help to provide financial stability for you as well as your business.

Thing about the various things that go along with your business. You may have:

  • Large inventory
  • Clients visiting
  • Several employees
  • Computers with important data

All of these need to be considered as it is going to help establish what type of business you need.

For example, if you have a large inventory of merchandise, business property coverage can be critical so that you are protected against loss. If you have clients visiting you all the time, general liability coverage may be needed. You will also want to consider data compromise coverage, especially because there are more hackers targeting small businesses than ever before.

The minute you start to hire employees for your home-based business in California, you want to have employment practices liability coverage to protect you against wrongful termination suits and more.

You may also need to consider business interruption coverage so that if there is a fire or tornado, business income could be provided during this time.

All sorts of coverage is out there for your home-based business area when you are looking to purchase insurance, it can be advantageous down with an insurance agent.

Neff & Associates Insurance Services Inc is here to help you make smarter decisions about your home-based business, especially when it comes to insurance. Call now and let one of our knowledgeable ages help you every step of the way.

 

 

Keep Your Car Running In Pismo Beach For Longer

When you are in Pismo Beach, California, you likely drive a car. You want your car to last as long as possible, and there are various ways for you to extend its life by following a few basic tips. By understanding more about your car, you may be able to extend the life considerably.

Our goal at Neff & Associates is to ensure that you have everything you need in order to be safe on the road. This includes not only auto insurance, but ways to keep your car running. There is no need to spend more than what is absolutely necessary, and this includes auto repairs.

Removing junk out of your trunk can be one of the best ways to ensure your car runs smoothly. Added weight in the trunk can cause problems with the balance, alignment, and more. If there are things that don’t need to be in your trunk, take them out.

Check the pressure on your tires on a weekly basis. Approximately 36% of cars on the road are driving around with a lower than recommended psi. The recommended psi is found on your driver’s side door or in your owner’s manual. Ensure the tire pressure is proper so that you can get the best fuel efficiency and avoid flat tires.

You should also avoid running your A/C too much. Your A/C is powered by your engine, and if you are using it for extended periods of time, you are putting a considerable amount of strain on your engine. On cooler days, drive with the windows open, or park your car in the shade so that you don’t have to use your air conditioning at full blast.

At Neff & Associates Insurance Services Inc, we want to help with insurance. You can call our independent agents to get help with quotes and more for your auto insurance in Pismo Beach. Call now and learn more about buying a policy.