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A declarations page, also sometimes referred to as a “dec page,” is a page from your insurance policy that sums up your policy coverage.
Summer is here, and while it's the season for road trips and beach outings, it's also a time when certain misconceptions about driving can lead to unnecessary risks. To help you stay safe and informed, we've collaborated with insurance experts to debunk five common myths about summer driving.
Debunked: Modern cars are designed with advanced cooling systems, but that doesn't mean they're immune to overheating. High temperatures can still put a strain on your vehicle's engine. Factors like low coolant levels, a malfunctioning thermostat, or a clogged radiator can lead to overheating.
To avoid your car overheating, regularly check your coolant levels and ensure your radiator is clean. Keep an eye on your car's temperature gauge, especially during long drives.
Debunked: High temperatures can cause the air inside your tires to expand, leading to over-inflation. Over-inflated tires have less contact with the road, which can reduce traction and increase the risk of a blowout. Conversely, under-inflated tires can overheat and wear out more quickly.
Check your tire pressure regularly, especially before long trips, and make sure your tires are inflated to the manufacturer's recommended levels.
Debunked: While cold weather is notorious for draining car batteries, heat can be just as damaging. High temperatures can accelerate the rate of fluid evaporation, leading to internal degradation of the battery.
Have your battery tested before the peak summer season, and keep the battery clean and free from corrosion.
Debunked: Running your car's air conditioning system can indeed impact fuel efficiency. The AC compressor requires power from the engine, which increases fuel consumption. The effect is more pronounced in city driving compared to highway driving.
Use the air conditioning sparingly, and consider using the car's ventilation system on milder days. When driving at lower speeds, opening the windows can be more efficient than using AC.
Debunked: Engine oil is crucial for keeping your engine parts lubricated and cool. High summer temperatures can cause the oil to thin out, reducing its effectiveness. Old or dirty oil can exacerbate the problem, leading to increased engine wear.
Check your oil levels regularly and adhere to your vehicle's recommended oil change schedule. Consider using a higher viscosity oil if you'll be driving in extremely hot conditions.
Don't let these summer driving myths steer you in the wrong direction. By understanding the facts and taking proactive measures, you can enjoy a safer and more enjoyable driving experience this summer. For personalized advice and coverage options, consider reaching out to your insurance provider.
The contents of this article are meant as general information to help you understand personal lines insurance and not specific to a particular policy. Policies, coverages and discounts can vary by state and insurance carrier. To understand your coverage, you should speak directly with a licensed insurance agent or read your full policy contract. Call your agent or contact us at (833) 779-4090.
Navigating the world of personal property insurance can be overwhelming. How much insurance you really need depends on what assets you lease or own. At the very least, if you own or lease a car, you’ll need car insurance, and if you own a home, you’ll need homeowners insurance. Any other policies you may need to consider above those two are based on your location, assets, lifestyle, and risk tolerance. This guide will walk you through key types of insurance, helping you make informed decisions based on your circumstances.