Clean Your Way to a Longer-Lasting Car

Motor vehicle corrosion is a billion-dollar problem in the United States, according to the Federal Highway Administration. And, no wonder. Road salt, tree sap, mud, pollution and even dead bugs and bird poop all contribute to a year-round assault on your vehicle here in the Twin Cities, potentially leading to serious damage and pre-mature aging.

Safety is also an issue. Grime across your windshield and windows restricts visibility in all directions, and even a light coating of dust or pollen can impair your vision, especially at night or when driving into the sun’s glare.

That’s why we here at Sentinel Assurance Group encourage you to visit your local car wash regularly. Washing your car removes dirt, residues and pollutants that degrade your paint finish and corrode the underlying metal. It’s like anti-aging cosmetics for your automobile!

But, is hand washing at home or visiting a commercial car wash your best bet? While both lead to a clean vehicle, you’ll cut your water usage in half by going to a commercial facility and help keep toxins and soap away from street drains, which can lead to local waterways. As a bonus, some commercial facilities recycle their water. 

No matter which method you choose, these five tips will help you get the most out of your car-cleaning routine:

1. Wash often. The longer tree sap, dead bugs and other gunk sit atop your paint, the more damage they can cause.
2. Avoid abrasive soaps, cloths and sponges that can grind dirt deeper into your paint finish.
3. Wash the undercarriage thoroughly to help prevent rust, especially after driving on road salt in the winter.
4. Don’t forget the headlights. When you’re driving at night, in the rain or through an unfamiliar neighborhood, you want every lumen of illumination you can muster.
5. Consider eco-friendly car soaps, such as biodegradable or waterless products, to help lighten the environmental impact of washing your car more often.

And, when you’re all done? Finish up with a good waxing to give your car extra protection and shine.

If you’re in the Rosemount or South Metro area, visit our favorite locally owned, automatic and self-service car wash at Rosemount Car Spa!

Do I need to buy rental car insurance?

The trip you’ve been planning is finally here. After a long flight, you collect your luggage and head to the rental car counter. As you review the paperwork, the agent asks, “Do you want insurance on the car?”

You frantically try to remember if your auto insurance policy covers rental cars. And wasn’t there something about rental car coverage in that last email from your credit card company? It seems like you may not need it, but you really can’t remember the details. You end up buying the coverage just to be safe. 

Did you waste your money? It depends: There really isn’t a one-size-fits-all answer when it comes to buying rental car insurance. However, there are a few things to consider that will help you determine if it’s right for you.

What does the rental car company offer?

Typically, car rental agencies offer four types of coverage:

• Collision damage waiver means that the rental car company won’t charge you if the vehicle is damaged or stolen during your rental period. 
• Supplemental liability protection covers costs to others if you cause an accident in the rental.
• Personal accident insurance will pay in the event of injury to or death of the rental car’s driver and/or passengers.
• Personal effects coverage will reimburse you if personal items are stolen from the rental car.

What kind of coverage do I already have?

Your personal auto insurance policy will likely provide the same level of coverage for your rental as it does for your own car. This usually includes liability insurance; it can also include collision, comprehensive, and medical payments, depending on your policy. There are exceptions: Some insurers won’t cover rentals in a foreign country or rentals that are being used for business.

Your credit card may also offer some protection, but the degree of coverage can vary greatly. Coverage is usually secondary, designed to step in and pick up where your auto insurance leaves off. Most cards require that you decline the rental company’s collision damage waiver and use the card to pay for the car rental in full. 

In addition, your health and life insurance policies may cover your medical costs if you are involved in an accident. If you have homeowners, renters, or condo insurance, you may also have personal property coverage to help repair or replace valuable belongings that are lost, damaged, or stolen from your rental car. Your deductible and policy limits will apply.

What am I missing?

Your regular policy may not cover loss of use and diminished value fees if something happens to the rental car. Loss of use is the income that the rental agency loses while the vehicle is being repaired. Diminished value is the calculated reduction in a vehicle’s resale value as the result of an accident. Your credit card may cover these fees, but be aware that they may require documentation that rental agencies can be reluctant to provide.

Before you take your next trip, call us or your independent insurance agent and verify the coverage available for your destination. Contact your credit card company to find out exactly what is covered when you use your card. Being prepared will help you make an informed decision about buying rental car insurance.