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Tips to Share the Road with Cyclists

As summer gets closer, we begin to see more and more cyclists accompanying us on the road. Therefore it’s important to recognize different types of actions that can help keep us, and our biker friends safe.

Similarly, cyclists can benefit from following these tips to enjoy a safe ride for them and stress-free drive for motorists.

1) Avoid technology while on the road

One of the most obvious tips is to avoid using electronic devices while driving your vehicle or riding your bike. By putting your phone, tablet or headphones down, you are able to focus on the road and stay on alert in the case of an accident or other unexpected occurrences.

2) Give plenty of space

It’s important for drivers to give cyclists plenty of space when sharing the road – especially when overtaking a bike on the street. To prevent any accidents or collisions, drivers must pass cyclists as if passing another vehicle. That is, moving into a different lane when safe to do so.

3) Learn hand signals

Just like drivers use their turn signals to indicate their next move, cyclists use hand signals to let drivers know what their next move is too. For example:

Right Turn: Fully extend right arm out to the side or bend left arm up at a right angle with your hand flat
Left Turn: Fully extend your left arm out to the side
Slow or Stop: Extend left arm out at the right angle with the hand open

4) Understand each other’s rights to the road

Did you know bicyclists have the same rights as drivers? It’s true! In fact, they are required by law to follow the same rules. So, it’s important for impatient drivers to realize that cyclists have every right to be on the road as they do. Similarly, bicyclists must not abuse this right by being careless.

While sharing the road can sometimes be a bit of a nuisance, it’s something all drivers (and cyclists) have to do. So, why not do everything possible to make the road safer for everyone?

Budgeting for your First Apartment

For many, moving out and getting your first apartment is a rite of passage. It’s a sign of independence and responsibility. But, while it’s an exciting milestone, without the proper planning and budgeting, it can also be overwhelming and messy.

So, while you may have found your dream apartment, there are still a couple of things to consider before signing

How much do I need to have saved?
What move-in costs are there?
What are some ongoing expenses?
How much can I afford with my income?

How much do I need to have saved?

Depending on which part of the country you live in, renting an apartment may be more or less than what you expect. Even so, having some money to fall back on is always a good idea. Mint states that having enough to cover three-to-six months of living expenses is a good rule of thumb. And while many might not have the means to save that much in a certain timeframe, any money saved up is better than none.

If moving out is in your short-term plans, try setting aside any loose change or putting money aside each paycheck. Over time, that money will add up and help alleviate any financial hardships that come with getting your place.

What move-in costs are there?

When budgeting for your first apartment, be sure to consider any upfront costs too. Upfront costs may include a security deposit, first and last month’s rent, pet deposits, move-in fees, and utility deposits.

Additionally, the act of physically moving into your new apartment can be costly too. If you have to hire a moving company, it will very likely be more expensive than having a friend with a truck help out. Be sure to consider all costs that come with moving your things from one place to the other.

What are some ongoing expenses to consider?

In addition to your rent, having your own apartment means paying other monthly expenses like utilities, electricity, heat, air conditioning, gas, cable, and internet services.

Renters insurance is also something to very strongly consider. This will help keep you covered in a variety of circumstances you may find yourself in as a tenant. Amigo Insurance offers low monthly rates on renters insurance to help keep you covered without breaking the bank. Call us at 877-999-2644 or 773-847-9000 for a free quote.

How much can I afford with my income?

Now that you’ve factored in your savings, upfront costs, and other monthly expenses, you can see what you can afford with your income. Forbes stated that as a standard rule, you should try to find an apartment that is no more than one-third of your income.

If the apartments you’ve seen so far are too high, consider finding new locations or places without unnecessary amenities.

Overall, moving out for the first time can be both exciting as it is scary. For many, this is the first time away from home and doing personal finances on their own. However, while it may be scary at first, it is certainly not impossible. Especially with the right planning.

How to Recharge Your Air Conditioning

The weather is warmer and the sun is stronger – this means you’ll likely be turning on your car’s air conditioner again after a long winter. But what happens when your system starts to lose power and you no longer feel a burst of cold air? It might be time to recharge your A/C.

What you’ll need:

Refrigerant / Dispenser with Trigger and Gaug
Safety glasses and gloves

Wearing safety glasses while working under the hood is suggested to protect your eyes. Wearing gloves can also help prevent any skin damage caused by freezing refrigerant.

Step 1: Turn your A/C On.

Set your air conditioner to its maximum cool setting with the blower set to high.

Step 2: See if your A/C Compressor is Running

When your A/C system is set to high and functioning properly, pulleys at the end of the compressor should be spinning. If your compressor is functioning as it should, but you still don’t feel a big burst of cool air, it’s likely you’re just running low on refrigerant. Especially if you still feel a slight breeze coming through.

If the clutch is not engaged and pulleys are not spinning, it could mean that your A/C system is low on refrigerant, or there are electrical problems with the compressor itself.

In both cases, adding more refrigerant after testing this should help you see what the issue is.

Step 3: Check the Pressure

To check the pressure, first, be sure to turn your car off. Then, find the low-pressure port. This is typically located on the passenger side of the engine and can be identified by a black cap with the letter “L” written on it.

Step 4: Attach Recharge Hose

Place the fitting at the end of your recharge hose, cover the low-pressure port and push until you hear a click. Be careful upon handling. Accidentally pulling the trigger can result in releasing refrigerant from your A/C system.

Step 5: Start your vehicle

Start your car and ensure that your air conditioner is on its highest settings. Monitor your AC compressor to see if your clutch is engaged and the pulleys are spinning. If engaged, try to get a reading as close to 40 psi as possible. Anything under 40 is considered undercharged.

Step 6: Install refrigerant can onto recharge hose

Once you’ve installed the refrigerant can hold upright and squeeze the trigger for 5-10 second increments. Upon releasing the trigger, be sure to measure the pressure gauge until you are as close to 40 psi as possible.

Step 7: Check Temperate Inside your Car

Insert a thermometer into your A/C vents and check the temperature. If your system is fully charged, you should get a reading between 28-30 degrees.

Note that this is merely a temporary fix to a potentially bigger problem. Should your system be missing refrigerant, it could mean that there is a leak that must be looked at by a professional.

How Many Miles Can You Drive on Empty?

It’s very likely that you’ve seen your low fuel warning light on your dash at some point or another. Unfortunately, for various cars, once the light turns on, you’re unable to read just how much is left and if you’ll be able to make it to the nearest gas station.

Luckily, YourMechanic made a list of the 50 best-selling cars in the US and approximately how many miles each car has before it actually runs out of gas. So, while it’s never recommended to let your gas run dangerously low, it’s likely that you’ll make it to your location on your reserve.

Is your car on the list?

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Why Renters Insurance is a Good Idea!

According to the Insurance Information Institute, 95% of homeowners have home insurance. After all, mortgage lenders require it. So, why is it that only 40% of renters buy renters insurance? Unlike homeowners insurance, renters insurance is not always required; but it can without a doubt save you a lot of money and headaches in the long run.

Here are a few reasons why buying renters insurance should be something on your to-do list.

It’s inexpensive.

There’s a common misconception that renters insurance is expensive, leading renters to opt out. However, a renters insurance policy is generally inexpensive. Not only that, but it’s pretty flexible too. Be sure to contact one of our agents or customer service reps to hear about our low rates and coverage.

A renters insurance policy can help pay medical expenses for your guests.

A renters insurance policy can protect you in a variety of cases. Some that you may not have considered before. If you have kids, for example, it is likely that their friends will come over. Should one be accidentally hurt in your apartment, your renters insurance could help pay the medical bills up to the policy’s limit.

It’s 2018, things are more expensive to replace.

Things are not cheap. That great lamp or coffee table you bought two years ago probably costs more than it did when you first got it. In the event of a fire, flood or theft, your renters insurance policy can help pay for replacement cost at their current price. It makes it possible to replace lost or damaged items.

Your policy could help cover hotel expenses after a disaster.

After a flood or fire, the last thing you want to be worrying about is where you’ll stay the night and how you’re going to pay for it. Your renters insurance policy includes “additional living expenses” coverage in the event that your apartment becomes uninhabitable and you need someplace to live temporarily.

Your legal costs can be covered too.

If an accident occurs in your apartment and you are being sued, the liability coverage on your renters policy can help pay your legal costs up to your policy’s limit. Be sure to speak to one of our agents or customer service reps to hear your amount options.

These are only a couple of reasons why renters insurance is a good – great – idea. Not only will you be saving money, but you’ll have some peace of mind knowing that in any case, you’ll be covered.

Call us today at 877-999-2644 for a FREE quote on renters insurance and to hear your options.

5 Reasons to Get Motorcycle Insurance

If you’re a motorist, new or veteran, you’ve likely heard the absolute need for motorcycle insurance. But why is it so necessary? Like car insurance, a motorcycle insurance policy can help keep you and your bike safe. Here are 5 good reasons why you should invest in motorcycle insurance.

1) Motorcycle insurance policies are both flexible and affordable. Motorcycle insurance offers a variety of discounts, deductibles, and limits, making it flexible and affordable for riders. While much also depends on things like the type of motorcycle and how often it’s used, our agents can help you find the right coverage for your needs.

2) Your motorcycle policy offers liability protection. Should you collide with another motorist and be considered responsible for his/her property damage or personal injury, the liability coverage on your motorcycle policy will kick in.

3) Your motorcycle insurance policy provides coverage in a collision. Motorcycles aren’t cheap. Having motorcycle insurance can help protect you, your bike, and your wallet, from severe damage.

4) You’ll still have coverage even if a driver you collide with doesn’t. A standard motorcycle insurance policy, typically, includes uninsured/underinsured motorist coverage. This will help protect you from accidents by helping you pay any lost wages or medical attention. Be sure to speak to one of our agents for more information.

5) You’ll also be covered for damage that isn’t a result of a collision. Also known as comprehensive coverage, this type of coverage can reimburse you for damages caused by fire, theft or vandalism.

As you can see, motorcycle insurance can be a real lifesaver. If you’re in the market for motorcycle insurance or are looking to save monthly, give one of our agents a call at 877-999-2644 or click here to get a FREE quote.

How To Get Your Car Spring Ready

While it looks like spring is still a couple more weeks away, there’s no reason why you shouldn’t start planning your car’s clean up. Here are a couple of tips that will help you start the season safe and in style.

1) Remove your winter tires. Winter tires are made with a unique compound that creates traction on icy roads. This compound can be easily damaged by the heat during hotter seasons, leaving your tires unsafe to use when it’s winter once again.

2) Wash your car. After months of driving on salty roads, ice and snow, your car deserves a little sprucing up. Wash your vehicle outside on a nice day or take it to your choice of car was to scape off any excess salt, mud, or grime. If possible, finish with a car wax to help seal the paint and add a new, shiny coat.

3) Detail, detail, detail. The outside of your car isn’t the only place needing a little TLC. Your car’s interior is equally important. During the winter months, car mats are covered with road salt, carpets are grimy, and dashboards hide behind a layer of dust. Make sure to vacuum your floors, hose down mats with a pressure washer, and thoroughly clean fabrics and carpets.

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4) Clean our your trunk. It’s often easier to toss all our auto winter gear in the trunk. However, unless something is needed year-round, it’s a good idea to clean out any winter tools that are just taking up space. This won’t only give you more room to store summer things but lighten up the carload too.

5) Take your car in for service. No better time than spring to take your car for a general maintenance check. After driving in harsh winter conditions for months, your car may need a quick tune-up to get back into shape. Be sure to check your headlights/taillights, replace damaged wiper blades, and check tire alignments.

So, there you have it. Winter may not want to go away, but planning in advance never hurt anyone. Especially when it comes to making sure your car is in excellent condition and road ready.

Planning Your Cross Country Trip: Update Your Auto Insurance

When it comes to getting ready for a long road trip, there are many things vehicle owners need to think about. This is a good time to get the car tuned up, and the oil changed. It is also a good time to discuss the needs for new tires.

Aside from this, it also pays to invest some time into updating your auto insurance. The simple step of calling your car insurance agent and adjusting your policy may be able to provide you with exceptional benefits and lots of protection.

What You Need to Consider

Before a long trip, speak to your auto insurance agent about your current coverage. Here are a few things to talk about first.

Contact your auto insurer. Inquire about added protection your car may benefit from when you travel out of state. Discuss any concerns you may have.
Do you have enough insurance to cover your vehicle from collisions, storm damage, theft and vandalism? Now is a good time to invest in comprehensive and collision insurance. These types of coverage can help you
You may wish to up your liability insurance. Having the bare minimum insurance is not always enough for high risk driving like this.

Your agent may make suggestions to you as well. The key here is to be sure you have a considerable amount of protection against the most likely risks.

Think About the Extras, Too

There are various ways to customize your auto insurance to better meet your needs. For example, you may wish to choose insurance that also adds towing coverage. That way, you do not have to worry about an accident that leaves you stranded in an area that you are not familiar with.

Discuss the options for added protection for your belongings, too. For example, you may be carrying a great deal of belongings with you. This might include your electronics. It may also include any valuables you purchase on the road. The thing is, your car insurance might not cover these items. You might have to turn to your homeowner’s or renters insurance for protection. Ask your agent how to handle such claims should damage to belongings occur.

Every driver needs to make wise decisions before hitting the road. With auto insurance, it usually takes just a phone call to your agent. He or she will work with you to better understand your needs and goals. You will see just how easy it can be to modify your policy to better fit your goals and the current risks. Call us today for a Chicago auto insurance quote.

Why You Should Keep a Maintenance Log (FREE DOWNLOADABLE)

We’re all busy people with a lot of things on our minds. While we can convince ourselves that our memories won’t fail us, it’s easier said than done. Remembering is especially important when it comes to our vehicle’s maintenance.

Do you remember the last time your car got a tune-up or oil change?

Unlike filling our tank or washer fluid, certain services are done months apart making it harder to remember the last time you went to a mechanic. Plus, with all the other things going on in our lives, these items can go over our heads very easily.

Keeping tabs on the work being done on your car can be really helpful. It can help you prepare for the future and know when your next trip to the shop should be. Additionally, knowing when your next service is due can help you avoid any inconvenient experience and save you a lot of money in the long run too!

An easy solution? Keep a maintenance log in your car.

A maintenance log is a small notebook, pad or sheet where you can record the services being done to your car. Try to get a something small or foldable that can fit in your glove compartment. If you have a notebook, place a pen in the spirals so you always have something to write with. Even if you only have a sheet of paper, make sure you always keep something to write with nearby.

While there are many maintenance log notebooks available for purchase online, we’ve included a FREE downloadable log for you to print and use. Click here to download.

Here’s how to fill it out:

Date – Add the date in which you went to get work done.
Service – Write out any service performed that day.
Shop – Write out which mechanic or garage you went to.
Paid – Write how much you paid for a service. TIP: If you decide to try out different mechanics or shops, this column can help you compare prices down the line.
Comments – Write any important comments or reminders. Here is where you should write when your next visit should be.

Example:

Date	Service	Shop	Paid	Comments
3/21/18	Oil Change	Amigo Repairs	$30	Next change at 50,000 miles

Now that you’re ready to get organized, you no longer have to stare blankly at the mechanic when he asks when your last tune-up was.

Signed,
Amigo Insurance

How To Change a Flat Tire

You’re driving to an important meeting or doctors appointment when you hear that awful flapping noise coming from your back tire. Looks like you’ve got a flat.

Getting a flat tire is something that’s bound to happen to almost every driver. In fact, according to statistics, every driver will experience an average of 5 flat tires in their lifetime. What’s worse is that it always seems to happen at the worst possible moment.

Fortunately, you don’t have to go it alone. Changing a tire is a simple process that can be done in 15-30 minutes depending on experience. All you need is a couple of tools that you might already have in your car. If you don’t, they can be found at your local auto parts supplier at inexpensive prices.

So, before you pick up the phone and call a tow truck, see if you can change the tire yourself.

Tools You’ll Need

Spare Tire (TIP – check your spare regularly and ensure it’s properly inflated)
Jack
Lug Wrench
Flashlight
Tire Gauge
Gloves
Flares or Reflective Triangles
Wheel Wedges
Owner’s Manual

Step One: Find a safe spot to pull into. If a tire blows out whilst on the road, turn your hazard lights on and pull into a safe space. If you’re on a busy street or highway, try to pull away from traffic as far away as possible. Suitable areas include parking lots, the shoulder of an off-ramp or a straight, flat, side street. Try to avoid any areas at an incline.
Step Two: Once in a safe area, make sure your parking brake is engaged and get your tools and spare ready to use.
Step Three: If on hand, use flares or reflective triangles on the back of your vehicle. These are particularly handy if you get a flat tire in the late afternoon or night. They will let other drivers know that a vehicle has stopped.
Step Four: Use the wheel wedges and place them against the tires on the opposite side of the flat. This will help make sure that the vehicle is secure while you use the jack.
Step Five: Remove the hubcap. If the lug nuts are exposed, you don’t have to do this step. Using the flat end of the lug wrench, remove the wheel cover.
Step Six: Loosen the lug nuts with the lug wrench. Do Not Remove.
Step Seven: Move jack under your car.
Step Eight: Carefully expand the jack until the flat tire is about 5-6 inches off ground. Remember not to place any part of your body under the vehicle. A fault in the jack could result in serious injury if not careful.
Step Nine: Unscrew and remove lug nuts. Be careful not to lose them as you’ll need them once the spare is on.
Step Ten: Remove the flat tire from the hub by placing two hands firmly on the tire and pulling towards you.
Step Eleven: Align your spare tire with the exposed lug bolts and push them into place.
Step Twelve: Replace the lug nuts with your hands. Don’t use the wrench until after your vehicle has been lowered.
Step Thirteen: Lower the jack until the spare tire touches the ground safely. Once on the ground, remove the jack.
Step Fourteen: Using the lug wrench, tighten the lug nuts. Make sure they are tightly secured.
Step Fifteen: Replace the hubcap or wheel cover.
Step Sixteen: Remove wheel wedges from the tires you previously placed them on.
Step Seventeen: If you have a tire gauge, check the spare tire’s pressure. If it does not match your vehicle’s PSI, drive to your nearest gas station and fill accordingly.

Keep in mind that it’s not advised to go long periods of time on a spare tire. It’s recommended you take your flat tire to a repair shop and get it replaced or repaired.

While changing your own tire can certainly save you a couple of bucks, safety should always be your number one priority. Consider the weather, location or tool condition when deciding if you should do it yourself or call for help.

Signed,
Amigo Insurance

1) Avoid technology while on the road

2) Give plenty of space

3) Learn hand signals

4) Understand each other’s rights to the road

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How much do I need to have saved?

What move-in costs are there?

What are some ongoing expenses to consider?

How much can I afford with my income?

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Questions? Call Us

Visit an Office

Step 1: Turn your A/C On.

Step 2: See if your A/C Compressor is Running

Step 3: Check the Pressure

Step 4: Attach Recharge Hose

Step 5: Start your vehicle

Step 6: Install refrigerant can onto recharge hose

Step 7: Check Temperate Inside your Car

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Questions? Call Us

Visit an Office

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It’s inexpensive.

A renters insurance policy can help pay medical expenses for your guests.

It’s 2018, things are more expensive to replace.

Your policy could help cover hotel expenses after a disaster.

Your legal costs can be covered too.

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Tags

Questions? Call Us

Visit an Office

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Questions? Call Us

Visit an Office

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Visit an Office

What You Need to Consider

Think About the Extras, Too

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Visit an Office

Tools You’ll Need

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