Spring On The Road 2016 PDF

THE LEADER-HERALD • April 2016
pplement to
April 2016 | A Special Su
3
2
April 2016 • THE LEADER-HERALD
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THE LEADER-HERALD • April 2016
3
Simple maintenance tips
to keep your ride running strong
Motor vehicles are sizable investments
that, for many people, trail only homes
and educations in terms of the biggest expenses they will ever have. So it’s in
drivers’ best interests to take every step
possible to protect their investments and
keep their vehicles running smoothly as
long as possible. While knowledgeable
mechanics can be invaluable resources,
drivers can take several minor, simple
steps to keep their cars running smoothly
for years to come.
Perform weekly visual inspections.
Few drivers take the time to look at their
vehicles once those vehicles lose their
new car luster. But visual inspections can
help drivers find problems that, though
minor, may impact their vehicles’ performance. For example, a routine examination of vehicle tires can indicate if
those tires are properly inflated. Poorly
inflated tires can decrease fuel efficiency
and affect the overall safety of a vehicle.
If tires appear flat, check their pressure
and inflate them to the levels listed in
your owner’s manual.
Look for fluid leaks. Another telltale
and easily identifiable sign that a vehicle
needs some maintenance is the sight of
fluids beneath the car. If you notice puddles or stains beneath where you normally park your car, your vehicle may be
leaking fluids. Note the color and consistency of the fluid and then call your mechanic to determine which fluid is
leaking and how to fix the problem.
Stick to manufacturer-recommended
maintenance schedules. Whether your
vehicle is brand new or has some tread
on its tire, consult the owner’s manual for
manufacturer recommendations with regard to changing fluids and replacing filters. Many recent models can now be
driven roughly 5,000 miles before they
need an oil change, but check your
owner’s manual for the guidelines established by your vehicle’s manufacturer,
and adhere to that schedule religiously. If
you drive an older car, recognize that the
vehicle may benefit from more frequent
oil changes and tuneups.
In addition, read the manual for additional guidelines, such as how often to replace the air filter, headlight, turn signal
and brake lamps, windshield wipers, and
other vehicle parts that can wear down
over time.
Look under the hood as well. While
many drivers feel that the area beneath
their vehicles’ hoods is best left to the
professionals, you can still lift up the
hood every so often to see if there are any
glaring problems that demand attention.
Inspect rubber belts for signs of wear and
tear, and know that such belts may need
to be replaced every 50,000 miles or
even more frequently depending on your
driving habits. Lifting the hood is also
necessary when checking fluid levels,
which you should check periodically and
before and after any long trips.
Drivers who notice or suspect damage
when performing simple vehicle maintenance should bring these concerns to the
attention of their mechanics as soon as
possible.
2016 CAR INSURANCE DIRECTORY
ALBANESE INSURANCE
135 E. State St. Ext.,
Gloversville, NY 12078
(518) 725-3305
GLOVER INSURANCE AGENCY
38 N. Main St., Gloversville, NY 12078
Ph: (518) 921-4421 Fax: (518) 752-5043
Cell: (518) 775-7513
RJ MORRISON, INC.
141 N. Main St.,
Northville, NY 12134
518-863-4224
ALLSTATE INSURANCE COMPANY
Cheryl Friello, Agency Owner
146 N. Comrie Ave.,
Johnstown, NY 12095
518-762-2683
KINOWSKI AGENCY
108 N. Perry St., Johnstown, NY 12095
518-762-0211
SALVIONE INSURANCE
AGENCY, INC.
189 North Main Street,
Gloversville, NY 12078
518-725-8466
CDL ASSOCIATES INSURANCE
AGENCY, LLC
111 Bridge Street,
PO Box 299,
Northville, NY 12134
518-863-2100
COUNTRYSIDE AGENCY, INC
2330 New York 30A,
Johnstown, NY 12095
518-762-2133
NANCY P. LANGDON
STATE FARM INSURANCE
2628 Rt. 30A, Fonda, NY 12068
518-853-3623
MICKEY PARKER JR.
STATE FARM INSURANCE
299 N. Comrie Ave.,
Johnstown, NY 12095
Bus. 762-1912 Fax. 762-4361
SHULTS AGENCY INSURANCE
3 Canal St., Ft. Plain, NY 13339
518-993-2387
86 Briggs St., Johnstown, NY 12095
518-762-8200
THOMAS PERSSE
INSURANCE AGNCY
48 W. Main St.
Fonda, NY 12068
518-853-5442
4
April 2016 • THE LEADER-HERALD
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Where it’s always Spring time. No job too Big or too Small
Tips for a fun
and frugal road trip
Driving vacations are popular for a variety of
reasons, not the least of which is flexibility. Such
excursions are not restricted by flight schedules,
and travelers often feel as though they have more
control over their trips when traveling by car
rather than traveling by air. Road trips also can
save travelers money, especially when traveling
in groups of three or more and expenses such as
fuel and tolls are shared. In addition to sharing
the road with a few friends and family members,
road trip enthusiasts can employ several other
strategies to enjoy a vacation that’s both frugal
and fun.
Downsize your vehicle
tion, replace tires with worn tread, as old or inadequately inflated tires will force the engine to
work harder, wasting fuel and costing you and
your fellow travelers money along the way.
Consider various types of lodging
Road trippers who plan well in advance may
be able to find great deals on lodging, but too
much planning may cost travelers some of the
flexibility and freedom they were hoping to
enjoy during their vacations. Weather permitting, campsites can be unique and affordable
places to stay. When planning your routes,
choose roadways that are close to popular campsites, avoiding campsites that are too remote, as
such sites may cost you in time and fuel what
you’re saving on lodging. If campsites are unavailable, download hotel website apps on your
phone and use these apps to find affordable
rooms as you go. Simply showing up to hotels
without reservations is unlikely to yield great
rates, but apps may offer discounted rates on
rooms hotels are simply looking to fill at the last
minute.
While prices at the pump have been more
driver-friendly in recent months, road trippers
who drive large sedans, trucks or SUVs might
be able to save money by driving smaller vehicles during their trips. Especially small vehicles
may be impractical and uncomfortable depending on the number of people who are making the
trip, but mid-size vehicles with ample storage
space tend to be more fuel-efficient than large
trucks or SUVs. If someone in your traveling
Bring your own food
party drives such a vehicle and it’s in good
Fuel, lodging and food tend to be the three
shape, take that car instead of a larger alternabiggest expenses on driving vacations. Traveltive.
ers who bring their own food can save a subGet a tuneup
stantial amount of money and maintain some
Another way to save money on your road trip control over what they eat. That’s a big benefit
is to get a vehicle tuneup in the days before your for men and women who like to eat healthy and
trip is set to begin. Let your mechanic know you prefer to avoid the fast food fare that tends to be
are planning a road trip and ask that a full diag- the only options available at rest stops.
Road trips make for great vacations, and travnostic test be conducted to make sure everything
is running efficiently. An air filter nearing its ex- elers can take many steps to make such excurpiration date may be worth replacing, as a new sions more affordable without sacrificing fun.
filter will help to save money on fuel. In addi-
5
THE LEADER-HERALD • April 2016
Get the best deal
on an auto loan
Thanks to the high costs of new automobiles,
many drivers now take out loans when replacing
their existing vehicles. Such loans make it possible for drivers to purchase new vehicles they
may not have the cash to buy outright, and making car payments on time each month is a great
way for consumers to build their credit.
Drivers want to find great deals on their cars,
but they also should make an effort to secure the
most consumer-friendly auto loan they can find.
Doing so can save drivers substantial amounts
of money over the course of their loans, and
finding a great deal is not as difficult as it may
seem.
Go to your lender first and foremost. Loan
shopping before car shopping, as opposed to relying on dealers to arrange the loan once you
find a car you want, can help drivers secure better terms. By prequalifying for a loan, consumers can then go to the dealership knowing
exactly how much they can spend, saving themselves time and easing nerves some buyers may
have about the car-buying process. Prequalifying with a bank, credit union or online lender
does not lock buyers into those terms, leaving
them room to secure even better deals by asking
the auto dealer to beat the terms of their existing
financing deals. Be careful not to apply for too
many loans when loan shopping, as each application will lower your credit score.
Clean up your credit. Creditors take many
things into account when determining loan
terms, but perhaps no variable is more important than an applicant’s own credit history. If
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your credit history is bumpy or you are currently carrying substantial debt, pay off as much
of your debt as possible before applying for an
auto loan. Even if your credit history is not
great, you may be in line for better loan terms if
you have paid off your consumer debt and recently indicated you are capable of making
monthly payments for an extended period of
time.
Comparison shop. Lenders compete with one
another, and consumers can use that to secure
the best possible loan terms. If one lender gives
you loan terms that you find attractive, resist the
temptation to sign on the dotted line right away.
Sleeping on it and taking the terms to the
lender’s competitors or even auto dealers may
ultimately result in you landing even better
terms.
Know the terms of the loan before you drive
off the lot. Some financing terms may be classified as “contingent,” which means the terms
can change even after drivers take cars off the
lot. That may mean higher interest rates or
lengthier loans, which can cost drivers considerably more money in the long run. Drivers can
avoid that fate by waiting until the terms have
been finalized to accept the car and take it
home.
Auto loans make it possible for millions of
drivers to purchase new and reliable automobiles. Savvy borrowers who take the time to secure the best loan terms can save themselves
substantial amounts of money and still drive the
cars of their dreams.
Did you know?
The excitement of driving a new car off of the lot extends beyond the thrill
of having a new set of wheels to show off. Some people just love the smell of
a new car. But while that aroma may be pleasant to the olfactory senses, it may
be wise to eliminate the smell as soon as possible. According to a 2012 study
from the nonprofit Ecology Center and HealthyStuff.org, that “new car smell”
may include toxic fumes from chemicals used to create the car’s interior. There
are some indications that the smell is generated from more than 50 volatile organic compounds, or VOCs, that are off-gassing in a relatively confined space.
While the potential dangers of breathing in all of these compounds continues
to be studied, the flame retardants and plastics used in cars have been linked to
illnesses when they have been used in other applications. To speed up the
process of removing VOCs from a car, open all of the windows and let it sit in
the hot sun. Also, purchasing a vehicle that has been sitting on the lot for a
while may mean some of the chemicals have dissipated.
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6
April 2016 • THE LEADER-HERALD
Safe driving techniques have changed
Driving today is different than it might have
been when many motorists first earned their drivers’ licenses. As a result, safe driving techniques
have changed. Learning these changes and adjusting driving habits can keep motorists and their passengers safe.
Watch the clock
Older guidelines indicated keeping hands on the
steering wheel at the positions of 10 and 2 if you
were imagining it as a clock. New information indicates this can be dangerous to the arms and
hands should the air bag deploy in a crash. The
National Highway Traffic Safety Administration
and AAA now say you should grip the wheel at
the 9 and 3 positions, which safely allows drivers
to maintain control of their vehicles.
Change your turns
Air bag safety also comes into play when making turns. Rather than the formerly taught way of
hand-over-hand turning, drivers should push with
one hand and pull with the other to steer the wheel
— safely keeping their hands away from the plastic casing and the possible release of heat and pressure from an exploding air bag.
Use hazard lights only for real hazards
Some people are very generous in their use of haz-
ard lights, turning them on when double-parking,
in bad weather or when they are carrying a heavy
load. Various states and areas have specific laws
governing the use of hazard lights, including when
and when not to use them. Hazard lights may inadvertently put drivers in danger because they can
override turning signals. Some other drivers have
become so accustomed to seeing hazard lights that
they may not take them seriously. Esurance suggests checking local laws to determine which situations warrant using hazard lights.
Donʼt block the “fast lane.”
The far-left lane has long been considered the
passing lane. Although some police departments
have become more lenient in allowing drivers to
actually stay in the left lane, it’s still courteous to
use it as infrequently as possible. When you do
find yourself in the left lane, recognize that you
should maintain highway speed or accelerate
slightly to get around the car you need to pass.
Driving slowly in the left lane can compromise
your own safety and that of your passengers and
fellow drivers.
Anticipate road conditions.
There are differences between driving on rural
roads, paved roads and heavily trafficked highways, especially during inclement weather or
when encountering adverse conditions. There’s no
magic speed or technique that is ideal all of the
time. Drivers need to learn to adapt to the conditions to facilitate safe passage. Keep in mind that
it
can
be
difficult
to
stop
on
gravel, wet roadways or those covered with leaves.
Avoid the big rush.
Always try to leave extra time to reach a desti-
nation. This way you will not have to speed or
make tricky maneuvers to get to an appointment
on time. Rushing around can lead to distractions
or unsafe practices. Reduce your accident risk by
building extra time into your trip.
Driving rules are not static, and drivers should
stay current on practices that are safe and those
that are no longer correct to use on the roadways.
How
to
respond
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when encountering animals on the road
In the summer of 2015, a video of dozens of
cars swerving to avoid a family of ducks crossing a busy Minnesota freeway went viral.
While no people or ducks were injured in that
incident, impromptu animal crossings are a potential hazard on roadways where drivers are
unaccustomed to sharing the road with fourlegged counterparts. In the wake of the video,
state officials urged drivers not to stop for animals because of the hazards posed by sudden
stopping.
Drivers may have mixed feelings on whether
or not to put their lives in jeopardy to save an
errant animal, but sometimes there is little time
to make a decision. As more neighborhoods
and roadways infringe on natural habitats, incidents of animals on the roadways figure to increase. Deer, moose, elk, and smaller animals
can wander out onto busy roads, and there’s no
foolproof way to prevent it.
According to State Farm Insurance, roughly
1.5 million animal-car accidents occur each
year, resulting in 10,000 injuries, 150 deaths
and $2,500 in property damage on average.
Knowing what to do when encountering animals on the road can help drivers avoid acci-
dents and injuries.
Experts advise drivers to remain in their lanes
and to attempt to slow down as quickly as possible when encountering animals on the road.
Move slowly in the direction the animal was
coming
from
if
it’s
safe,
as
animal instinct is to dart out in the direction
it was going.
Be aware of your surroundings at all times.
Scan the edges of the road to see if animals are
present. Dawn and dusk are key times for animals to be on the move looking for food. Autumn is both hunting and mating season for
deer, and they tend to travel a lot during this
time of year.
Obey speed limits and take signs warning of
animal crossing hotspots seriously.
Should you hit an animal, do not exit the car
and approach it. Injured animals can
be dangerous, with pain driving them to flail,
kick or bite.
Sharing roadways with animals is tricky. Remaining alert, slowing down in highly populated wildlife areas and avoiding swerving can
reduce risk of accident or injury.
THE LEADER-HERALD • April 2016
7
The
dangers
of leaving kids in cars
Children require a lot of care and constant supervision when they are young. Such is
the
reason
reports
of
children
being
left
in
cars
are so surprising and generate so much outrage.
Many parents would never intentionally put their youngsters in harm’s way, but leaving a child in an unattended vehicle — even if it’s just for a few minutes — can be incredibly dangerous. Many states even consider such behavior a crime.
Since 1998, 611 children have died from hyperthermia, or heat stroke, which resulted
from the kids having been left in hot cars. Consumer Reports notes that more than 50 percent of those deaths were children under the age of 2.
Heat is not the only danger children face when left in cars. Cold cars can be equally dangerous. Young children cannot regulate their body temperature very well. The University of Rochester Medical Center says babies can’t adjust to temperature changes as well
as adults, and infants can lose heat rapidly, nearly four times faster than adults. Healthy
newborns may not be able to keep their bodies warm if the environment around them is
too cold. On cold, snowy days, babies may need a constant flow of heat in the car to remain comfortable.
Weather and temperature are not the only dangers kids face when left alone in cars.
Strangulation from safety belts, entrapment in doors and windows and falls from open
windows also may occur when kids are left in cars unsupervised. Some dexterous children may climb into the driver’s seat and engage the gear shift, causing the vehicle to
move. Abduction is another potential danger, as unattended children in cars are potential targets for kidnappers.
Never leave a child unattended in a car. Parents prone to forgetfulness can put a stuffed
animal on the front seat to serve as a reminder that they have kids in tow or place a purse
or wallet on the backseat so they must look in the back of the car before exiting their vehicles.
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April 2016 • THE LEADER-HERALD
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4 reasons
for a check engine light
Vehicles rely on many components
working harmoniously to function at optimal capacity. Any number of systems can
go wrong, and oftentimes the first indication that something has gone awry is an illuminated dashboard signal.
One such signal is the “check engine”
light. Many drivers have little idea what to
do when this indicator lights up, and this
light can cause some anxiety. According to
Consumer Reports, a check engine light
turning on does not usually require immediate action. However, it does mean that
you should make an appointment to have
the vehicle inspected for potential problems.
Check engine lights are part of a car’s onboard diagnostics. The light turning on
may indicate something minor, such as a
loose fuel cap, or something more serious
like a misfiring engine. When the light
turns on, drivers wondering why may want
to see if the answer is related to one of the
following issues.
1. Loose gas cap: Fuel vapors can leak
out and air can get in when the fuel cap
isn’t secured correctly. This can compromise the fuel system and make the check
engine light come on. Take off the cap and
then reseal it to see if that alleviates the
problem. Cracked caps will need to be replaced.
2. Dirty oxygen sensor: A faulty or
clogged sensor may not provide the right
information about unburned oxygen from
the vehicle’s exhaust. This sensor monitors
how much fuel is burned. Compromised
data can cause a decrease in fuel efficiency.
Some do-it-yourselfers can replace an oxygen sensor on their own, but those who
can’t should have the issue addressed immediately by a professional.
3. Too much speed or load: Towing a
trailer or another heavy item may put strain
on the vehicle and cause the light to come
on because of loss of power. Lightening the
load and reducing speed can help fix the
problem. Always consult with the owner’s
manual to determine the towing capacity of
your vehicle.
4. Short or faulty code: Computers
aren’t always fool-proof, and sometimes an
electrical short or another similar problem
can cause a light to come on. Bring the vehicle to an automotive supply store. Such
stores typically have diagnostics tools that
can be hooked into the car’s computer and
provide a more detailed understanding of
what is triggering the check engine indicator.
In many cases, a steady check engine
light is not a serious concern. However,
when such a light comes on, drivers should
try to find out why as soon as possible.
9
THE LEADER-HERALD • April 2016
Did you know?
Drivers who travel between the United States and Canada or
plan on renting a car for an international business trip or vacation should understand that driving rules vary from country to
country. One noticeable difference is the side of the road vehicles travel on, as well as the measurement system used for calculating speed and distance. Although speedometers will often
feature both mph (miles per hour) and kmh (kilometers per
hour), it helps to have a rough idea of the conversion between
the two speed measurements. Every mile per hour in speed
translates to roughly 1.7 kilometers per hour. Therefore, if the
posted speed limit is 55 mph in the United States, expect to
travel at 88.5 kph in Canada. Always heed speed limit postings
and regularly check your vehicle’s speedometer to ensure you
are driving at or below the legal limit. Traffic offenses that
might be tolerated in one country may not be tolerated across the
border, so always obey the local laws when behind the wheel.
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10
April 2016 • THE LEADER-HERALD
The many benefits
of automotive roof racks
Today’s auto manufacturers understand that
maximized cargo space is a feature many buyers want in their new vehicles. But even the
most spacious car or SUV may not always provide the right amount of space drivers need to
haul large items.
In such instances,
roof racks are an
asset, especially to
avid travelers or
outdoor enthusiasts.
Roof racks benefit travelers and
everyday
motorists in myriad
ways. Racks make
it easy to transport
cargo that does not
fit the shape or
size of a trunk or cargo area of an SUV. Also,
roof racks enable drivers to free up interior
space and keep sight lines open, contributing
to driver safety.
By boosting a vehicle’s storage space, roof
racks essentially transform the top of a car or
truck into a second trunk. Moving items up and
outside of the car can free up additional
legroom and give passengers greater comfort
on longer trips. Plus, roof racks provide
a sturdy surface on which to store kayaks,
mountain bikes, furniture, surfboards, and
more — without
damaging
the
paint and finish of
the vehicle.
Roof racks are
sold in a variety
of styles and applications. Roof
boxes and bags
also can be purchased, if you
have items that
need to be protected from the elements.
Many
auto manufacturers offer roof racks as an option on new vehicles, or they can be installed
after-market by a qualified professional.
When purchasing roof racks, drivers should
consider
their
needs
and
the size of items they’re most likely
to store.
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IF YOUR CAR, TRUCK OR SUV NEEDS SERVICE OF ANY KIND, PLEASE READ THIS.
We have highly trained technicians, state of the art electronic diagnostic
equipment, free loaners and a labor rate that’s less than the rest.
Only needed or requested service work would be performed.
NEW YORK STATE INSPECTION STATION
• All Insurance Work
Accepted
• Loaner’s Cars Available
• From Small Repairs to
Major Repairs
• All Work 100%
Guaranteed!
INTELISANO’S
Custom Body Works
898 STHWY 29A (TURKEY FARM RD. 1/2 MI. PAST FRANK INTELISANO, PROP.
PROGRESS RD. ON LEFT), GLOVERSVILLE
(518) 725-7072
Oil Change Special With • Oil and Filter
Change
Free Car Wash + Dry
• Check Air Filter
$24
.95
*Must Present Coupon
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• Test Battery
• Check Belts and
hoses
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• Check Antifreeze
JOHN C. MILLER, Inc. AUTOMOBILE SALES
SERVICE DEPT. AND PARTS DEPT.
509 N. PERRY ST., JOHNSTOWN • 518-762-7124 • www.johncmiller.com
FREE ESTIMATES ON BODY AND COLLISION WORK
11
THE LEADER-HERALD • April 2016
Road Trip To CU!
No Payments For 90 Days!
**
New/Used Auto Loans
As Low As
*
1.99% APR
Limited Time Offer...
Ends May 31st
FIRST CHOICE FINANCIAL
FEDERAL CREDIT UNION
355 Hales Mills Road, Gloversville • 518-725-3191
Inside Wal-Mart Supercenter • 518-725-4413
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12
April 2016 • THE LEADER-HERALD
Visit us at: www.adkexpresslube.com
Like Us On Facebook.com/adkexpresslube
NY State
Inspections
(Gloversville Location Only)
Gloversville Location
Ph (518) 725-8885
997 State Highway 29A
OPEN
Mon-Fri 8am-5pm
Sat 8am-1pm
Amsterdam Location
Ph (518) 842-8477
4648 State Highway 30
OPEN
Mon-Fri 8:30am-5pm
Sat. 8am-1pm
$
$
2 OFF
FREE
Any Full
Service
Oil Change
Any Pair of
Wiper
Blades
Air Freshener
with A Tire
Rotation
Can’t be combined
with any offer.
Expires 7/31/16
Can’t be combined
with any offer.
Expires 7/31/16
2 OFF
Can’t be combined
with any offer.
Expires 7/31/16
Not Just
Oil Changes!
• We proudly sell Cooper Tires
• Brake Work • Coolant Flush
• Transmission Service