Insurance News

Factors That Impact Your Car’s Resale Value

Mon, 06 Apr 2026 14:11:55 GMT

Car dealership consultation by Vitaly Gariev

A vehicle is one of the larger purchases most people make, and its value changes over time. While some depreciation is expected, certain factors can influence how much your car is worth when it comes time to sell or trade it in.

Understanding what affects resale value can help you make informed decisions throughout ownership and maintain as much value as possible.

Mileage and Usage

Mileage is one of the most significant factors in determining a car’s resale value. In general, vehicles with lower mileage tend to sell for more because they are perceived to have less wear and tear.

How the vehicle is used also matters. Consistent highway driving may be viewed more favorably than frequent short trips or stop-and-go city driving, which can place more strain on certain components over time.

Vehicle Condition

The overall condition of your vehicle plays a major role in how it is valued. This includes both cosmetic and mechanical condition.

Exterior factors like paint quality, dents, and scratches can affect buyer perception. Interior condition, including upholstery, odors, and general cleanliness, also contributes to value.

Routine maintenance is equally important. A well-maintained vehicle with documented service history is typically more appealing to potential buyers.

Maintenance and Service Records

Keeping detailed records of oil changes, inspections, and repairs can support your vehicle’s resale value. These records show that the car has been cared for and can give buyers more confidence in its reliability.

Missing or inconsistent service records may lead to questions about how well the vehicle has been maintained.

Vehicle History

A vehicle’s history can influence its resale value in several ways. Prior accidents, title issues, or major repairs may lower the value compared to a similar vehicle with a clean history.

Even when repairs are completed properly, buyers often consider the overall history when evaluating a vehicle.

Make, Model, and Market Demand

Some vehicles hold their value better than others due to brand reputation, reliability, and demand in the used car market.

Popular models with strong reliability records often retain value longer, while less common or less in-demand vehicles may depreciate more quickly.

Fuel efficiency, safety features, and technology can also influence how desirable a vehicle is over time.

Modifications and Customization

Aftermarket modifications can affect resale value in different ways. While some upgrades may appeal to certain buyers, others may limit your pool of potential buyers.

In many cases, keeping a vehicle close to its original condition helps maintain broader appeal when it is time to sell.

Keeping Long-Term Value in Mind

While resale value is not the only factor to consider when owning a vehicle, it can influence long-term costs. Simple steps like regular maintenance, careful driving, and keeping records organized can help preserve value over time.

Your auto insurance coverage can also play a role in protecting your investment, especially in situations involving damage or loss. Contact us today to review your coverage and make sure your vehicle is properly protected.

Read the full article at www.preferredfirstinsurance.com

How to Extend the Life of Your HVAC System

Tue, 03 Mar 2026 21:08:37 GMT

Air conditioners by ElasticComputeFarm

Your HVAC system is one of the hardest working systems in your home. It runs through freezing winters, humid summers, and everything in between. Because it operates year round, small maintenance habits can make a major difference in how long it lasts. With the right care, many systems can run efficiently for 15 to 20 years.

Here are some practical steps every homeowner can take to extend the life of their HVAC system.

Change Your Air Filters Regularly

One of the simplest and most important tasks is changing the air filter. A clogged filter restricts airflow, forcing the system to work harder than necessary. This increases wear on components and reduces overall efficiency.

Most homes benefit from replacing filters every one to three months. Homes with pets, allergies, or higher dust levels may need more frequent changes. Setting a calendar reminder can help you stay consistent.

Schedule Annual Professional Maintenance

Even if your system seems to be working fine, an annual inspection is essential. A licensed technician can check refrigerant levels, inspect electrical connections, clean coils, and identify small problems before they turn into expensive repairs.

Preventive maintenance improves efficiency, lowers energy bills, and reduces the risk of unexpected breakdowns during extreme weather when your system is under the most strain.

Keep the Outdoor Unit Clear

The outdoor condenser unit needs proper airflow to operate efficiently. Clear away leaves, grass clippings, and debris regularly. Trim shrubs and plants so there is at least two feet of open space around the unit.

During winter, make sure snow and ice are not blocking ventilation. A simple visual check every few weeks can prevent unnecessary strain on the system.

Seal and Insulate Your Home

Your HVAC system works harder when your home loses conditioned air. Seal gaps around doors and windows, inspect ductwork for leaks, and ensure your attic is properly insulated. Improving your home’s energy efficiency reduces the workload on your heating and cooling system.

The less strain your system experiences, the longer it is likely to last.

Use a Programmable or Smart Thermostat

A programmable or smart thermostat helps regulate temperatures more efficiently. Adjusting settings for when you're away from home prevents the system from running continuously at full capacity. Gradual temperature changes are also easier on the equipment than dramatic swings.

Over time, consistent and controlled usage can significantly extend the lifespan of your HVAC system.

Know When It's Time to Upgrade

Even with excellent care, no HVAC system lasts forever. If repairs become frequent, energy bills rise sharply, or your home struggles to stay comfortable, it may be time to consider replacement. Planning ahead allows you to make a thoughtful decision rather than reacting to an emergency failure.

While you are reviewing your HVAC system and making improvements to your home, it is also a good time to review your homeowners insurance coverage. Major systems like heating and cooling equipment represent a significant investment. Contact us today to make sure your coverage aligns with the current value and condition of your home.

Read the full article at www.preferredfirstinsurance.com

What to Do if You Hit a Deer While Driving

Tue, 03 Feb 2026 15:49:38 GMT

Driving at night by bingchang chen

Hitting a deer can be a startling and dangerous experience, especially if it happens unexpectedly on a quiet road or at high speed. Unfortunately, these incidents are fairly common, particularly in areas with high wildlife populations or during certain times of the year when deer are more active. Knowing what to do after the collision can help protect your safety, reduce stress, and make the aftermath easier to manage.

The first step is to make sure you and your passengers are safe. Check for injuries and call 911 if anyone is hurt. Turn on your hazard lights, and if your car is still drivable, move it to the side of the road. Stay inside the vehicle if you're near traffic and wait for help to arrive. If the crash is serious or your car can’t be moved, use cones or flares if you have them to warn oncoming traffic.

Do Not Approach the Deer

It may be tempting to check on the deer, but you should never approach an injured or stunned animal. Even if it appears still, it could react suddenly and cause injury. Instead, contact local law enforcement or animal control to report the accident. They can respond to the scene and handle the situation safely. A police report may also be helpful when filing your insurance claim.

Call Your Insurance Company

Take photos of the damage to your vehicle, the surrounding road conditions, and the deer if it is still visible. Write down the time, location, and any relevant details, such as weather conditions or nearby landmarks. If there are any witnesses, get their names and contact information. Clear documentation will make the claims process much easier and help support your case if needed.

After ensuring safety and reporting the incident, contact your insurance carrier as soon as possible. Most comprehensive auto policies cover collisions with animals, but it's still a good idea to confirm your specific coverage. Keep your photos, notes, and police report handy. If your policy is with us, we can guide you through the next steps and help with any questions along the way.

Prepare for the Future

While it's impossible to prevent every accident, you can take steps to minimize the risk of future wildlife collisions. Stay alert, especially at dawn and dusk. Use your high beams when safe to do so, and scan the sides of the road for movement. Keep your speed reasonable in wooded or rural areas where deer are common.

It’s also wise to have a stocked emergency kit in your car. Include items like a flashlight, reflective warning triangles, first aid supplies, a phone charger, a water bottle, and a thermal space blanket to stay safe and comfortable in case you’re stuck waiting for help. Being prepared can make a difficult situation a lot more manageable.

If you’ve been in a collision or want to make sure your current coverage aligns with your needs, contact us today to review your auto insurance policy. It's a good time to ensure your insurance is current and that your policy fits your driving habits and risks.

Read the full article at www.preferredfirstinsurance.com

What To Know Before You Buy Auto Insurance In 2026

Rick Savage — Thu, 22 Jan 2026 03:42:00 GMT

Shopping for auto insurance this year - then you need to read our latest blog which looks at what to consider in your auto insurance plan, beyond just price. This informative blog article is brought to you by Preferred First Insurance and Auto-Owners Insurance Please enter this code to access the article: h

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How to Childproof Your Home: Safety Tips for New Parents

Wed, 07 Jan 2026 16:50:26 GMT

Father holding a baby looking out the window by Kelli McClintock

Bringing a new baby home is exciting, but it also means taking a fresh look at your living space through the eyes of a curious child. As babies grow and become more mobile, they naturally want to explore their environment. Everyday objects and furniture that once seemed harmless can become serious hazards. A few thoughtful changes now can make your home safer and give you peace of mind.

Secure Furniture and Heavy Items

Children love to pull, climb, and test their limits. That’s why it’s important to secure anything that could fall or tip over. Dressers, bookcases, and televisions should be anchored to the wall with brackets or straps. Avoid placing toys, remotes, and other tempting items on top of high furniture to prevent climbing. As part of your regular home maintenance routine, check those anchors to ensure they remain tight and stable.

Use Safety Gates and Latches

Safety gates are one of the most effective ways to limit access to danger zones. Install hardware-mounted gates at the top of stairways for the best security, and use pressure-mounted gates elsewhere. Latches on kitchen and bathroom cabinets help prevent access to sharp objects or cleaning supplies. Don’t overlook toilet lid locks, either. These simple tools can make a big difference as your child becomes more mobile.

Cover Electrical Outlets and Edges

Outlet covers are essential in any home with young children. Choose sliding or self-closing options to protect against curious fingers. For furniture with sharp edges, such as coffee tables or fireplace hearths, install corner protectors or padding. These precautions soften the impact if your child stumbles and reduce the risk of injury.

Watch for Small Objects and Choking Hazards

If an item can fit through a cardboard toilet paper roll, it’s a choking risk. Be vigilant about clearing small objects from floors, shelves, and tables, especially if you have older children with small toys or craft supplies. Designate a separate area for baby-safe toys and playtime, and teach siblings to store their items safely out of reach.

Lock Up Cleaning Supplies and Medications

Store all medications, vitamins, and household cleaners in cabinets or drawers that are locked or out of reach of small children. Even natural products can be dangerous if ingested. Choose strong childproof locks and avoid leaving these items out on countertops or open shelving. If possible, store hazardous items in a room that children do not have access to.

Don’t Forget About Windows and Doors

Install window stops or guards to limit how far windows can open. Move furniture away from windows to discourage climbing. Use door knob covers or locks to keep little ones from wandering into unsafe rooms. For added safety, place pinch guards on door hinges to protect small fingers from injury.

Make Your Home Safer and Smarter

Smart home technology can support your childproofing efforts. Motion-activated nightlights, smart door sensors, and baby monitors with video or audio features help parents stay aware of their child’s activity. While these tools don’t replace physical safety measures, they offer another layer of visibility and control that can be especially helpful for busy families.

Don’t Forget About Insurance

While you are taking steps to protect your home and family, it’s also worth reviewing your home insurance coverage. Life changes quickly, and your policy should reflect your current needs. Contact us today to schedule a policy review and ensure your home and loved ones are properly protected.

Read the full article at www.preferredfirstinsurance.com

What to Keep in Your Car for Emergencies

Mon, 08 Dec 2025 14:55:46 GMT

Man changing a tire on the road by Ron Lach

Car trouble can strike when you least expect it. Whether you're facing a dead battery, flat tire, or unexpected weather, having the right gear in your vehicle can make a stressful situation more manageable. A well-stocked emergency kit can help you stay safe, comfortable, and in control while waiting for assistance or fixing the problem yourself. Here’s what every driver should keep on hand.

Basic Tools and Tire Repair Essentials

A flat tire is one of the most common roadside issues, so your emergency kit should include everything needed to fix it or safely wait for help. At a minimum, you should have a spare tire (fully inflated), a jack, and a lug wrench. If your car didn’t come with a full spare, consider a tire inflator or sealant that can provide a temporary fix.

A tire pressure gauge and a portable air compressor are also useful, especially for long drives or seasonal weather changes that affect tire inflation. Keep these items in an accessible spot, ideally near your vehicle’s trunk or under the cargo floor, so you’re not digging for them in a pinch.

Jumper Cables or a Battery Jump Starter

Dead batteries don’t always give warnings. Jumper cables are essential, but they only work if another vehicle is available to help. A portable battery jump starter gives you the ability to handle a dead battery on your own. Look for one with built-in safety features, like reverse polarity protection and USB ports, so you can also charge your phone in an emergency. If you’re not familiar with how to jump a car, keep a small instruction card in your glovebox or save a step-by-step guide on your phone.

Seasonal Items

If you break down in freezing temperatures or get stranded during a winter storm, staying warm is essential. Keep a thermal space blanket or two in your trunk. These lightweight emergency blankets reflect body heat and take up very little room. You can also include an extra coat, a pair of gloves, a wool cap, and a packable poncho or raincoat for staying dry and warm.

Non-perishable snacks like energy bars, trail mix, or crackers can help in long delays. Add a reusable water bottle and keep it filled on long trips. In extreme cold, rotate the water regularly to avoid freezing. If you live in a snowy climate, it’s also smart to carry an ice scraper, folding shovel, and a small bag of sand or kitty litter for traction.

All-Season Convenience Items

In addition to seasonal gear, every emergency kit should have a few year-round essentials. A basic first-aid kit is a must, including bandages, antiseptic wipes, and pain relievers. A multi-tool or utility knife can come in handy for small fixes or opening packages. A flashlight is helpful for inspecting under the hood or signaling for help.

Include phone charging cables, a portable power bank, and a small notepad with a pen. If you ever need to leave a note or record details from an accident, you’ll be glad you have them. Duct tape, zip ties, and a small roll of paper towels or rags can solve dozens of small issues.

Don’t Forget the Insurance

You don’t need to go overboard with gear, but a well-stocked emergency kit gives you peace of mind and practical help when it matters most. Check your supplies at least twice a year and adjust them based on seasonal needs or upcoming travel plans.

While you're reviewing what’s in your trunk, it’s also worth reviewing your auto insurance coverage. Having the right policy can reduce the financial stress of unexpected events and can even provide you with roadside assistance when you need it. Contact us today to make sure your auto insurance is up to date and built to support the way you drive.

Read the full article at www.preferredfirstinsurance.com

5 Things to Do After Buying a New Car

Thu, 06 Nov 2025 15:04:16 GMT

Side mirror view while driving by JESHOOTS

Buying a new car is exciting, but once the keys are in your hand, there are a few important steps you should take to protect your investment, stay legal, and avoid headaches down the road. Whether you just drove off the lot or sealed the deal with a private seller, here are five smart things to do right after buying a new vehicle.

1. Check Your insurance Coverage

Before you hit the road, make sure your new car is properly insured. This is also a good opportunity to review your auto insurance policy. If your new car is financed or leased, your lender may require full coverage, including comprehensive and collision. You might also consider gap insurance, which covers the difference between your loan balance and the car’s value if it’s totaled.

2. Transfer the Title and Registration

If you bought the car from a dealership, they may have handled the title transfer and registration paperwork for you. If not, you’ll need to visit your local Department of Motor Vehicles (DMV) to register the car in your name and ensure the title is properly transferred. Be prepared to bring your bill of sale, proof of insurance, personal ID, and any emissions or inspection certificates your state requires.

Some states have tight windows for registration, and late fees can add up quickly. If you’re moving from out of state or transferring plates, the process may involve additional forms. Make sure to ask whether taxes or fees are due at the time of registration, and keep a copy of all submitted documents for your records.

3. Store Your Paperwork Safely

Your new vehicle comes with a small stack of important documents. Don't lose them in the shuffle. Safely file away your title (or loan paperwork, if you’re financing), purchase agreement, registration, and any warranty documents you receive. Keep digital scans saved securely as a backup.

Make sure your registration and proof of insurance are kept in the glovebox or center console, where you can access them easily if you're pulled over or need to provide documentation after an accident. If your car includes a roadside assistance program or has specific service instructions, those should be kept handy as well.

4. Get to Know Your Vehicle

Every car is different, even if you’ve owned the same brand or model before. Take time to familiarize yourself with your vehicle’s features, dashboard warning lights, safety technology, and convenience systems. Read through the owner’s manual to understand maintenance timelines, fuel type requirements, and emergency instructions.

You should also take a moment to locate the spare tire, jack, jumper cable connections, and other roadside essentials. If your vehicle includes modern safety features like lane assist, blind-spot monitoring, or automatic braking, make sure you understand how they work and how to turn them off, if necessary. The better you know your car, the more confident and safe you’ll feel behind the wheel.

5. Schedule Preventative Maintenance

Even brand-new cars benefit from early preventative care. If you purchased a used vehicle, it’s especially important to schedule a basic inspection with a trusted mechanic. They can check for wear on tires and brakes, fluid levels, battery condition, and any early warning signs of mechanical issues.

Ask your service provider to enter your vehicle into their maintenance schedule system so you're notified when oil changes, tire rotations, or inspections are due. Staying on top of routine maintenance helps preserve your car’s value, extend its lifespan, and minimize the risk of unexpected repairs.

Drive Confidently with the Right Coverage

Whether your new vehicle is a daily commuter, a weekend cruiser, or your family’s main ride, the right insurance policy helps give you peace of mind for the unexpected. It’s also important to think beyond just your vehicle. If you’ve added a teen driver to your household, moved to a new address, or changed jobs and are commuting more or less, your insurance needs may have shifted. Regularly reviewing your policy ensures you’re not overpaying for outdated coverage or missing out on important protections.

Peace of mind behind the wheel starts with knowing you're covered when it matters most. Contact us today for a fast, friendly auto insurance review, and drive confidently knowing your policy is up to speed with your life.

Read the full article at www.preferredfirstinsurance.com

Why to Insure Your Home with Preferred First Insurance...

Mon, 03 Nov 2025 13:37:00 GMT

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Your Possessions May Be More Valuable Than You Realize

Rick Savage — Tue, 21 Oct 2025 19:37:00 GMT

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What Every Homeowner Should Know About Their Utility Shutoffs

Mon, 06 Oct 2025 15:49:04 GMT

Aerial view of rooftops by David McBee

Owning a home means taking on a wide range of responsibilities, from mortgage payments to seasonal maintenance. One of the most critical, and commonly overlooked, areas of home safety is knowing how and when to shut off your utilities. In a moment of crisis, like a burst pipe or suspected gas leak, acting fast can limit damage, reduce repair costs, and keep you and your family safe.

Yet many homeowners don’t know where their shutoffs are located, or how to use them properly. This basic knowledge can make all the difference during emergencies, and even support a smoother insurance claims process if damage does occur.

Water Shutoff Valve

Your home’s main water shutoff valve is one of the most important things to locate after moving in. In the event of a burst pipe, overflowing toilet, or leaking appliance, shutting off the water quickly can help prevent thousands of dollars in damage. Most main shutoff valves are located where the water line enters your home, typically in the basement, garage, or a utility closet.

Make sure the valve turns easily and isn’t rusted or stuck. In addition to the main valve, many sinks, toilets, and appliances have their own smaller shutoff valves that let you isolate a single fixture. This can come in handy for minor repairs or localized issues, without disrupting water access to the entire house. It’s a good idea to test your valves once or twice a year so you're confident they work when it counts.

Gas Shutoff Valve

If you ever smell gas in your home (a scent often described as rotten eggs) it’s important to leave the area immediately. Don’t turn lights on or off, don't use your phone indoors, and don't operate any electrical switches. Once you’re safely outside, keep a safe distance from the home and call your gas provider or 911 to report the leak. Time is critical when it comes to gas leaks, as they can lead to fires or explosions if ignited.

Electrical Panel

The main circuit breaker panel controls the flow of electricity from your provider to every part of your home. Knowing how to use it is important for safety and for troubleshooting problems like tripped breakers or flickering lights. The panel is usually found in a garage, basement, hallway, or utility room, and contains labeled switches for different areas and appliances in your house.

In an emergency, especially if water is involved, it’s critical not to touch the panel. In less hazardous situations, such as when an outlet stops working or a breaker trips, you can restore power by flipping the appropriate switch. The panel also has a main shutoff switch that cuts power to the entire house. Label your circuits clearly and keep a flashlight nearby so you can access the panel even in the dark.

If you plan to do any electrical work or need to confirm that a circuit is no longer live, always use a multimeter or voltage tester. These tools let you safely verify that electricity is no longer flowing to an outlet, switch, or appliance before you begin repairs. Even if you’ve flipped the correct breaker, using a multimeter adds an extra layer of safety and peace of mind.

Why This Matters for Home Safety and Insurance

Acting quickly in the face of a utility emergency can help keep you safe, while helping to minimize damage. Taking a proactive approach, like learning how your shutoffs work, is a small step that can help avoid major headaches later. It’s the kind of knowledge every homeowner should have, but often overlooks. Contact us today for a homeowner insurance policy review to make sure your coverage is up to date and ready for whatever comes your way.

Read the full article at www.preferredfirstinsurance.com