10 SIMPLE WAYS TO GET YOUR CAR READY FOR WINTER

10 SIMPLE WAYS TO GET YOUR CAR READY FOR WINTER

 

Even though we’re only a few days into the Fall season, it’s never too early to start thinking about winter driving safety.  Your first step in doing so is winterizing your vehicle.  The following tips literally could be life-saving, and at the very least, cost-saving. 

At the Bogle Agency, we can handle a problem if you need help with your New Jersey Auto Insurance, but we’d much rather you stay safe out there on the road, enjoying the changing season and falling leaves.

1. Get the right kind of oil change. Are you approaching the time for a 30,000-mile full service for your vehicle? If so, don’t procrastinate! Among other things, the service should include an oil change, and the oil used should have the right viscosity, or thickness, for your vehicle at this time of year. Oil tends to thicken as it gets colder, and if it’s too thick it won’t do the best job of keeping your engine lubricated. Check your owner’s manual for guidance about which oil to use in different climates and temperatures.

2. Make sure you can see. When’s the last time you replaced your windshield wiper blades? They usually work effectively for about one year, so be sure to invest in some new ones if you’re due. Here’s another important step to take before you find yourself struggling to see in a blinding storm: Fill up your windshield washer reservoir with windshield washer fluid. (Plain water won’t do the trick at this time of year because it freezes.) Also check to see that your heater and defroster are working properly so you can keep the windshield nice and clear.

3. Give your battery a little TLC. This is an ideal time of year to make sure your battery’s posts and connections are corrosion-free and that your battery has all the water it needs. If your battery is more than three years old, have a certified repair shop test its ability to hold a charge. Granted, you might be able to find a Good Samaritan to help you jump-start your vehicle in the middle of a blizzard — but wouldn’t you rather avoid such a scenario altogether?

4. Examine your belts and hoses. When you have that full service done on your vehicle, make sure the belts and hoses get checked for wear and tear — even if you’re driving a modern car. Cold weather can do a number on belts and hoses, so they deserve attention.

5. Check your tire pressure. Your tires must be properly inflated to ensure you’ll have the best possible traction as you drive along — and traction is often severely jeopardized in wet, snowy or icy conditions. The air pressure in your tires has likely dropped as the weather has gotten colder, so it’s important to see where things stand now. (You can generally expect that you’ll lose 1 pound per square inch whenever the temperature drops by 10 degrees Fahrenheit.) Again, your trusty owner’s manual will tell you what your target tire pressure should be.

6. Think about switching to snow tires. Do you live in a hilly place that gets its fair share of snow? Then you might want to improve traction even more by investing in winter tires and using them over the next few months instead of your usual all-season tires. When shopping around for snow tires, ask about all the fees that might come into play, such as fees for mounting and balancing. You can accomplish this easily and make accurate cost comparisons by asking each store for the “out the door charge.”

7. Do you have four-wheel drive? If so, it’s important to check the status of your four-wheel-drive system and be sure it’s working correctly — especially because most drivers don’t use their 4WD systems in the pleasant summer months. Be sure that the system engages and disengages easily, and that all drivers in your household know how and when to activate the system.

8. Get the antifreeze mixture just right. Aim for having a 50-50 mix of antifreeze (coolant) and water inside your radiator. This will prevent the mixture from freezing even at ridiculously cold temperatures. It’s easy to check the status of the mixture with an inexpensive antifreeze tester, which you can pick up at any auto parts store. If the mixture is off, your cooling system should be drained and refilled or flushed. Be sure you’re equipped to dispose of your old antifreeze properly if you do this job yourself. It can’t just be poured down the drain.

9. Prepare an emergency kit. Store this stuff in your trunk during the winter months, especially if a road trip is in your future:

  • a blanket
  • extra boots and gloves
  • an extra set of warm clothes
  • extra water and food, including hard candies
  • an ice scraper
  • a small shovel
  • a flashlight
  • windshield washer fluid
  • windshield wipers
  • flares
  • jumper cables
  • a tool kit
  • tire chains
  • a tire gauge
  • a spare tire with air in it
  • tire-changing equipment
  • a first-aid kit
  • paper towels
  • a bag of abrasive material such as sand, salt or non-clumping kitty litter, which can provide additional traction if a tire gets stuck in snow.
  • Also, keep the gas tank as full as you can to prevent the gas lines from freezing.

10. Know what to do if you get stranded. Don’t wander away from your car unless you’re completely sure about where you are and how far away help is. Light two flares and situate them at each end of your vehicle to call attention to your plight. Put on the extra clothes and use the blanket to stay warm. If you have enough gas in the tank, run the engine and heater for about 10 minutes for each hour you’re waiting for help. Leave at least one window open a little bit so that snow and ice don’t seal the car shut. Suck on a hard candy to prevent your mouth from getting too dry.

And lastly, remember to keep your auto insurance information and agent’s phone number on hand at all times while driving.  Should you need to contact us, we’ll be happy to help you sort through any claims or questions you might have.

 

Happy driving!!

 

LIFE INSURANCE

LIFE INSURANCE: 

Why you need it, and how to get it!

Get your New Jersey life insurance quote today from the Bogle Agency.

Do your eyes start to glaze over whenever anyone starts to talk about life insurance? Term life, whole life, universal life, what does it all mean? And the chances of you ever needing to use it are so low, why bother learning all the jargon?

Think again. Life insurance is a crucial planning tool for the people you love. Whether it’s making sure that your kids can go to college, your spouse is taken care of or just leaving some extra money behind to your heirs, you can’t ignore life insurance. So let us make understanding it a little easier.

There are three major types of insurance we offer: term, whole and universal. All are great policies with different purposes. Let’s break it down:

Term Life is life insurance that you purchase for a specific period of time, in increments of 10, 15, 20 or 30 years. Maybe you want to have a policy as long as the kids are still in school, or until your mortgage is paid off. Term life lets you make sure there’s enough money for all of these things without a lifetime commitment.

Whole Life lets you adjust how you use your life insurance policy as your needs change. While you’ll always receive death benefits, a whole life policy also includes a cash value that you can draw upon. Maybe it’s to pay medical bills or to help out with retirement—it’s there for you to use as you need, and to adapt over time.

Universal Life is a balanced plan offering you a strong death benefit protection as well as plenty of opportunities for investing and growth on a tax-deferred basis.

Here are the top five reasons you need life insurance:
1. You’ll protect your family’s future
2. Benefits are paid immediately.
3. No federal income tax on benefits.
4. Stays with you, even if your employer doesn’t.
5. Peace of mind.

Bogle Agency Offers You:
1. Affordable Rates
2. High Quality Coverage
3. Customized Quotes
4. Expert Advice
5. Savings up to 70%

It’s more affordable than you think. Get your life insurance quote today from Bogle Agency Insurance.

Still confused? Call us at the Bogle Agency at 201-939-1076, or 1-877-453-7358, or visit our website, and ask us which of these kinds of insurance fits your needs, today and in the future. Don’t leave things to chance: protect your family.

Bogle Agency Receives Best Practices For 8th Year In A Row

BOGLE RECEIVES BEST PRACTICES AWARD

Bogle Agency Insurance is proud to announce that once again it is the recipient of the Best Practices Award!

Reagan Consulting (Advisors to The Insurance & Financial Services Industries) from Atlanta, GA and the IIABA (Independent Insurance Agents & Brokers of America) sponsor the Best Practices Award to recognize the top outstanding insurance agencies in the USA. Insurance Agencies from across the USA are nominated to submit their financial and operational data; Reagan Consulting reviews the financial and operational data of over 1,000 insurance agencies and then selects the top 5% to receive the Best Practices Award for their outstanding achievement.

Bogle Agency Insurance has been the proud recipient of this award for the past 8 years!

“I would like to thank our employees, customers, business associates & company partners that help us to achieve this award,” said Philip R. Bogle. “While we may not be the largest, we are one of the best and I welcome you to contact us to see how we can make a difference in your insurance.”

Thank you,

Philip R. Bogle,

President