Car Maintenance for Fall and Winter

As temperatures drop heading into fall and winter, a mechanical failure can be a pain and can also put you and your passengers in a risky situation. Luckily, you can help reduce your chances of running into vehicle failures by taking preventative steps now. Check out this list of maintenance tips to prepare your car for the upcoming seasons. 

Engine

Renew/replace items within your engine as recommended, this includes oil, oil filters, air filters, fuel filters and more. Oil should be changed every 3,000 to 5,000 miles, depending on the age and fuel efficiency of the vehicle. You also replace your oil filters at the same time. For specifics on when to replace other items, refer to your vehicle owner’s manual. 

Windshield Wipers

If your current wipers leave your windshield streaky and limit your visibility, it is time to swap them out. Worn windshield wipers make driving riskier, especially during rain and snow. Always ensure you have plenty of windshield washer fluid as well. Consider getting fluid that has antifreeze properties made for winter months. Most importantly, don’t forget to have an ice scraper on hand! 

Tires

Check your tire pressure frequently, as the colder weather can have an impact on air pressure and may require more air to be added. Make sure you’re examining your tire tread – without proper tread, it can make driving through snow or ice more dangerous. You should rotate your tires every 7,500 to 10,000 miles – your vehicle owner’s manual will have the specific mileage recommendation for you.

Emergency Gear

In addition to routine maintenance, it’s a good idea to always carry emergency gear in your car. There are items you should have year-round and several items that should be added for the colder months. Gloves, boots, blankets, snacks, water, first-aid kit and a flashlight will come in handy if your car does experience mechanical failure or another issue this fall or winter.

Roadside Assistance

In case of car failure, you’ll want to know if your insurance covers roadside assistance. Roadside assistance can be added to your auto insurance policy, and it can help pay for some of the costs associated with towing your vehicle, providing gas for an empty tank, jumping a battery or changing a flat tire. Your agent can tell you if roadside assistance requires additional physical damage coverage. Contact your agent today to see about adding this coverage.

Good Grade Discount

Getting a driver’s license can be an exciting time, but chances are it may be less so for parents. This newfound freedom for the new, young driver also means a policy update or addition to maintain the necessary auto insurance coverage. 

If a vehicle is being added to the policy for the new driver, it will require adding a new coverage line. If the driver will be sharing a car that is already under the policy, that will require a policy update as well. Adding coverage or adjusting coverage can mean changes in price. Most times, a new, young driver will be more expensive to insure. Luckily, many insurance providers offer a good grades discount for car insurance. Read more about this discount and contact your agent to apply:

To be eligible for this discount with OKFB Insurance, a student must*: 

  • Be a full-time student in high school, college or university
  • Have a scholastic record during the immediately preceding school semester or quarter that shows one of the following: 
    • 3.0 GPA or B average
    • Scholastic rank in the upper 20% of his/her class 
    • Included on the “Dean’s List,” honor roll or other comparable scholastic recognition list 
  • Send the insurance agent a copy of the student’s most recent scholastic record 
  • Apply for the scholastic credit with your agent

Contact your agent to see if your student is eligible to receive this discount. While you’re at it, take a look at our other discounts for Auto Insurance policies. 

*Depending on your carrier, these eligibility requirements may vary. 

Benefits of Bundling Home and Auto Insurance

Managing and paying for multiple insurance policies can seem overwhelming, but that’s where bundling can come into play and provide big benefits. Insurance bundling is the process of joining multiple insurance policies under one member policy. It can often lead to a bundling discount – sometimes referred to as a companion discount – convenience and peace of mind for having all of your policies in one place! Read on to learn more about these benefits: 

You may be eligible for a bundling discount

When you purchase auto and home insurance from the same carrier, you may be eligible to receive a bundling discount. You could save on the bundled product premiums in comparison to paying more for two separate policy premiums with two carriers. OKFB Insurance offers a companion discount, but discounts offered will vary depending on the carrier. To see if you’re eligible for our bundling discount, contact an OKFB Insurance agent.

Bundling can provide enhanced convenience

A bundled policy can mean less paperwork to do initially and to keep up with – saving you time and energy. Additionally, all payments, claims and policy changes can be streamlined through one, dedicated agent. This means if something goes wrong, you’ll know exactly who to call to get help quickly. 

Your agent can help you look at the big picture

By working with you on a bundled policy, your insurance agent will get to know you and your insurance needs better while also developing a personal relationship. Your agent will help you identify gaps in coverage, savings and recommend additional policies. They will also be able to help you choose limits that will help cover all of your assets.

Learn more about the home and auto insurance policies we offer. When you’re ready to take advantage of these benefits, contact your agent to see what you may qualify for.

Don’t Get Fooled By Top Insurance Myths

When it comes to shopping around for insurance, or even when it’s time for an annual review of your current policy, it can be overwhelming to sort through the sea of information about insurance. Furthermore, popular myths and misconceptions about insurance can leave you even more confused. Check out some of the top myths we hear, and the facts that bust them.

Myth: Life insurance is not necessary until I’m older.

Fact: Life insurance can be a valuable investment at every life stage. Whole and universal life policies not only provide a death benefit, they also allow you to use accumulated cash value for plans such as buying a home or retirement, meaning investing younger can yield benefits for later in life.

Myth: All the belongings in my house are covered by my homeowners policy.

Fact: There are different types of homes and each home varies in the features it has and the homeowners policy it needs! Limitations may apply to specific items, especially those that are high in value. Plus, items you may consider part of your home may be considered separate within your policy, such as a detached property.

Myth: Earthquake and flood insurance come standard with homeowner insurance.

Fact: Standard homeowners insurance policies don’t typically cover damage caused by a flood or earthquake. Policy additions for natural disasters, like floods and earthquakes, can often be added to a policy, but if the coverage is not obtained before the event occurs your property will not be protected.

Myth: Color is a major factor in the cost of my auto insurance.

Fact: Contrary to popular belief, having a red vehicle does not automatically mean your auto insurance will cost more. However, there are several other factors to keep in mind when car shopping, because all of these things could affect the price you pay to insure your car, such as car make, body type, age of your vehicle and the car’s sticker price.

Learn more about the right coverage for your unique needs by contacting an OKFB agent near you.