Category: Auto Insurance

15 Nov 2018
Winter Maintenance Tips for Landlords in MA

Winter Maintenance Tips for Landlords in MA

MA Landlords, Get Your Rental Properties Ready for Winter 

Massachusetts winters are never quite complete without cold, harsh weather and snow. Since winter is right around the corner, it’s wise for property owners to get their buildings up to scratch. Just as we pull on heavy sweaters and gloves, properties need a bit of TLC to weather the winter ahead, too. As a landlord in the Boston are here are some essential maintenance tasks.

  • Seal up gaps in windows and doors

Walk around the property and see if you can feel any cool air being let in through gaps in the windows and doors. If you visit the property on a windy day, it may make it easier to detect any air leaks. These gaps can increase heating bills, which is not ideal for any tenant. Fill in gaps with weather-stripping and caulking to prevent cold air leaking into the property. If the caulking is dry and cracking, peel it off and replace it.

  • Service boilers/furnaces

Call out a professional to make sure that the heating system is in good condition for the cold winter ahead. Having access to heat is a basic right of all tenants under landlord-tenant law, so avoid fines by completing the necessary checks and servicing it before the winter temperatures arrive.

  • Check the insulation

Insulation helps to keep a property’s heat inside as well as lowering the utility bills for the tenant. You can have insulation installed in the attics and crawlspaces to help with heat retention. If there are any exposed pipes, wrap insulation around them to prevent them from freezing.

  • Clear out the gutters

Fall may have clogged the gutters with leaves, twigs, dirt, and other debris. Make sure to clean out the property’s gutters so that blockages do not occur. If gutters are clogged, it could prevent melting snow from being able to drain properly. In turn, this can cause roof leaks as the water will seep inside.

  • Inspect trees on the property

Snow, ice, and high winds have the potential to snap off tree branches or cause entire trees to fall. To keep your property – and tenant – safe, it’s a good idea to prune back any trees on the property. Pay attention to the trees that look weak and rotted.

  • “Add something on making sure you snow removal services are in place.”

Landlords, another great way to protect your property is to secure reliable insurance. At CAV Insurance Agency in Wellesley are ready to find the right coverage to suit your needs, property, and budget. We serve landlords in Boston, Brookline, Newton and surrounding cities in Massachusetts. Contact us to get started!

 

08 Nov 2018
Do I Need Classic Car Insurance When It’s Tucked Away for Winter?

Do I Need Classic Car Insurance When It’s Tucked Away for Winter?

Keeping Your Classic Car Covered Over Winter

Your classic car is already prepped and safely in storage. You’ve completed the essential checks and you’ve tucked it away for the winter. After all, the harsh winter conditions, road salt, snow, and ice are not ideal if you want to keep your classic car in pristine condition. You may be thinking that now it’s away for a couple of months, do you need to keep your collector car insurance active? Here’s what you should know.

You may not drive your classic car until spring rolls around, but the reality is that it’s a good idea to keep vehicles insured regardless of whether they’re currently being driven. It’s tempting to cancel your classic car insurance policy if your vehicle isn’t in use during the winter, but remember that it is still at risk of damage tucked away in the garage.

To save on premiums until you are driving the vehicle, you can consider lowering or temporarily dropping the liability coverage in your policy. However, if you plan on taking your vehicle out for a spin when the road conditions are dry, you will need to keep liability coverage in place. Driving your car now and again can help to avoid brake and clutch seizures, keep the mechanics lubricated, and avoid tire flat-spots. Only idling the car without driving it may actually present corrosion issues as the engine will not reach full operating temperature.

However, you should keep comprehensive coverage in place. In our area the most common comprehensive claim we see in the winter is a tree falling on the car or rodent damage to the car.

It’s always better to be safe than sorry. In New England we all know that the weather is unpredictable, and we can get those 60 degree days in Febuary. If there’s any chance you’ll pull your vehicle out of storage for a quick drive through Dover on days like these, then leave coverage as is.

Avid classic car fans don’t have to pause their hobby throughout the winter. Visit the home to America’s oldest car collection! The Larz Anderson Auto Museum features old and collectible cars that span the centuries. The museum also offers enjoyable and informative tours, with varied and detailed discussions on the automobile and its impact on today’s society. Check more information here!

At CAV Insurance Agency, protecting your classic car comes naturally. We have access to specialty companies such as Hagerty, Grundy, and AIG, these carriers these carriers offer policies designed specifically for your collector car they take into consideration the limited seasons we have up here to drive these cars. At CAV Insurance we serve motorists from Dover & Sherborn to Wellesley, Needham and Weston and neighboring towns. Contact us today and let us put our decades of collector car insurance expertise to work for you!

 

25 Oct 2018
The Top Cars of Pebble Beach Weekend

The Top Cars of Pebble Beach Weekend

Celebrating the Oddball and Truly Awful Vehicles at Concours d’Lemons

When it comes to Concours d’Lemons, automotive creativity has no limits. It’s this spirit of a disregard for practicality and aesthetics that makes such a delightful Pebble Beach Car week event. This year’s event has no stuffiness and no stunning prize-winners. Although there were a few entries that seemed far too put together to be displayed at Lemons, the show remained a breath of fresh air for many fancy car shows also happening.

Keep in mind that Lemons is not just an ugly car show. There are vehicles that many people have never seen before – and some that cannot be unseen! Here are just a few of our favorites from this year’s show.

This car was coined the ‘Mad Max: The College Years’ and we can see why. It’s a creation of chain link over the hood, animal skulls in awkward crevasses, and faux bazookas. It’s one of those cars that the longer you look at it, the more unusual accessories you find!

This vehicle was originally used from 1967 to 1975 by a German hospital. A car fanatic hauled it over to San Diego after it had been sitting in a warehouse for 25 years. Created from a bare Mercedes chassis by the coachbuilders at Miesen, it is quite the head-turner. The owner has fitted it with period-correct bandage boxes and original linoleum flooring (ideal for mopping up blood from accident victims).

Although it was surprisingly left out of the awards, this paean to the BMW Art Cars of yore was developed by a San Francisco sculptor and blacksmith. The throwback to the brick-era Volvo wagons was created using self-adhesive vinyl and reflective black tape.

Safeguarding your classic car comes naturally to the experts at CAV Insurance Agency. We serve motorists from Arlington to Natick, Concord to Cambridge, and neighboring towns. Contact us today and let us put our decades of classic car insurance expertise to work for you!

18 Oct 2018
How Should I Get My Classic Car Ready for Winter?

How Should I Get My Classic Car Ready for Winter?

Steps for Getting Your Classic Car Winter-Ready

People say the change of seasons is one of the many reasons they love living in Massachusetts. Along with the pleasure of the falling leaves and orange landscapes of autumn comes the pain of shoveling snow and dealing with storms in winter. Fall is the time of year when you should start to think about getting your summer vehicles ready for their winter hibernation. After all, can you justify taking your 1953 Chevrolet Corvette out on roads slick with ice and snow? We think not. To help get your vehicle ready for winter, check out these maintenance tips and spare some time to review your auto insurance in Wellesley, MA.

Storage

Ideally, you’ll want to store your classic car in a secure garage. This space should have plenty of room for your vehicle and be securely locked at all times. If you don’t have garage space available, consider renting out a room at a storage facility. Your vehicle will be much better protected from the elements under a garage roof than under a standard material cover.

Clean

You’ll want to ensure your beloved vehicle is sparkling before tucking her away for the winter. Clean the exterior, paying special attention to remove any bird droppings and tree sap that could eat away at the car’s paint. Wipe down and vacuum the interior, too.

Fuel

Fuel breaks down over time and can cause damage to your carburetor or fuel injector components. Be sure to add a fuel stabilizer to prevent a breakdown. This can keep your gas fresh up to a year. Once you’ve added the stabilizer, take the car on a quick drive around the block to ensure that the product and the fuel have mixed together successfully.

 Tires

Be sure the tires are at the proper pressure before storing the vehicle away. To avoid flat spots and increase tire longevity, prop your vehicle on the jack stands and cover the sidewalls, front, and back with a light coat of lubricant. This helps to keep the sidewalls from drying out and cracking.

Battery

Good batteries, especially for classic car models, are expensive these days. Leave a battery tender or smart charger hooked up all winter to keep your vehicle’s battery in tip-top condition. If you’ve got several classic cars you’re storing away, replacing batteries can be an avoidable expense.

Insurance

Sure, you may not be driving the beauty on the I-95 for a while, but that doesn’t mean you can skip insurance coverage. Talk to your insurer about the coverage you need to keep your classic vehicle protected over the winter months. Not convinced you need coverage? Find out how insurance can help maintain your classic car.

Safeguarding your classic car comes naturally to the experts at CAV Insurance Agency, and with access to specialty companies such as Hagerty, Grundy, and AIG, we will be able to provide you and your collector car the policy it needs. We serve motorists from Arlington to Natick, Concord to Cambridge, and neighboring towns. Contact us today and let us put our decades of classic car insurance expertise to work for you!

20 Sep 2018
How Insurance Can Help Maintain Your Classic Car

How Insurance Can Help Maintain Your Classic Car

Tailor Classic Car Insurance Coverage to Your Maintenance Needs

 

Running a classic car can be a rollercoaster of emotions. On the one hand, you can take a trip down memory lane and experience the golden age of motoring. On the other, you may find your classic car to become a labor of love – or at worst, a financial nightmare. When your classic vehicle needs repairs and maintenance, you may find that even if the price of the vehicle hasn’t gone up, the cost of repair has gone through the roof. There’s no doubt that classic cars are high maintenance, but how can your classic car insurance in Wellesley, MA help?

 

Classic car repair costs are on the rise. In addition to a higher standard of care, the number of specialist mechanics is dwindling. There are fewer people with the skills to actually repair these unique cars, and not just replace parts. Those people are hard to find, and may charge accordingly for their specialized services. The good news is that your classic car insurance coverage can help. Your policy should contain wording that would allow for specialized parts to be ordered or a specialized mechanic to be used if it is involved in a collision and is damaged. This is because the labor rate to repair a collector car is substantially higher than it would be for an everyday mass-market car.

 

Typically, a good classic car policy will also allow the collector to repair the vehicle whenever they want. Whether the car owner wants to take his/her vehicle to the most qualified shop in the country or a shop that specializes in that type of vehicle, the policy should be able to agree to the owner’s preference. More often than not, a client will want to take it back to the person who did the work originally, but if they don’t know, the insurer will be able to advise on recommended repair shops.

 

Are you an avid classic car fan? Then visit the home to America’s oldest car collection? The Larz Anderson Auto Museum features old and collectible cars that span the centuries. The museum also offers enjoyable and informative tours, with varied and detailed discussions on the automobile and its impact on today’s society. Here, you’ll be able to learn about vehicles, see them in the flesh, and get to know other collector car fans. Check out upcoming events here!

 

Safeguarding your classic car comes naturally to the experts at CAV Insurance Agency, and with access to specialty companies such as Hagerty, Grundy and AIG, we will be able to provide you and your collector car the policy it needs. We serve motorists from Arlington to Natick, Concord to Cambridge, and neighboring towns. Contact us today and let us put our decades of classic car insurance expertise to work for you!

30 Aug 2018
5 Ways to Identify a Collector Car in an Expanding Market

How Ways to Identify a Collector Car in an Expanding Market

Tips to Spot a True Collector Vehicle and Insure It 

With the value of classic cars continually rising, it has become very popular for people to appreciate the beauty of them. For some, the ability to identify a classic car is instant and natural. For others, a few handy tips help. With an influx of younger buyers like millennials entering the collector car market, the vehicles that were once teenage dream vehicles are becoming collector cars. If you would like to know more about how to identify a collector car, read on.

  • Do Your Research

One of the best ways to brush up on your knowledge of some of the older vehicles is to attend local car shows. These take place for fellow enthusiasts to get together and drool over each other’s pride and joy. A bit of time on the Internet can tell you a lot about collector car makes, models, and more. A little bit of research will help you to spot a true collector car.

  • Talk to the Classic Car Owner

A great way to get the download on a particular make and model is to find the owner. Most classic car owners will be more than happy to share their knowledge. Ask about the history, the maintenance, the drive, and more to get a feel for the vehicle.

  • Get Close-Up

Along with attending classic car shows, you will get the chance to view some of the top vehicles up close. By witnessing it first hand and taking pictures, you will soon get an idea of what kind of car you like.

Why not visit the home to America’s oldest car collection? The Larz Anderson Auto Museum features old and collectible cars that span the centuries. The museum also offers enjoyable and informative tours, with varied and detailed discussions on the automobile and its impact on today’s society. Here, you’ll be able to learn about vehicles, see them in the flesh, and get to know other collector car fans.

Don’t miss the events at The Larz Anderson Auto Museum! Here are just a few upcoming events that are ideal for collector car fanatics.

  • Porsche Day
    Saturday, September 8, 2018
    10am – 2pm
  • Mercedes Day
    Sunday, September 16, 2018
    10am – 3pm
  • Tutto Lite
    Saturday, October 13, 2018
    10am – 2pm
  • Extinct Car Day
    Saturday, October 20, 2018
    10am – 2pm

Find out more about The Larz Anderson Auto Museum events here.

Safeguarding your classic car comes naturally to the experts at CAV Insurance Agency. We serve motorists from Arlington to Natick, Concord to Cambridge, and neighboring towns. Contact us today and let us put our decades of classic car insurance expertise to work for you!

16 Aug 2018
Reasons to Keep College Students on Your Auto Insurance Policy

4 Reasons to Keep College Students on Your Auto Insurance Policy

Auto Insurance in Massachusetts for College Students 

Whether your child is off to Babson College, Boston University, or UMass Amherst, going back to college is an exciting time. Although your child may not be taking a car to school, there are several reasons to keep these students on your auto insurance in Massachusetts. Take a look at just a few good reasons to keep your child on your car policy.

  • They may come home to visit

Although they are studying hard now (hopefully), there will come a time when he or she wants to come home during the school year, whether it’s for a short weekend visit or a longer school break. When they visit, they are likely to want to drive one or more of the family cars. It’s important to note that even when children are away at college, they still maintain a legal residence at your home. As a result, they must be listed on your auto insurance policy to be covered. As we all know, without auto insurance, they are not covered and should not drive.

  • They may drive a friend’s car

Even though your kids don’t have a car a school, their friends may. Perhaps your child needs to drive their friend’s vehicle to run or a quick errand or because they are a designated driver at a college party. Keeping your children active on your policy ensure that they are properly protected in case of an accident.

  • Continuous insurance coverage history looks good

If your child has a lapse in auto insurance coverage, it could hurt their chances of getting affordable rates in the future. To an insurer, consistent insurance coverage (without claims and accidents) can help to lock in a low premium.

  • It can be more affordable.

Keeping your college-age children on your policy may not be as expensive as you think. Many insurers offer student driver discounts, meaning that you can enjoy low premiums while your child keeps their coverage! Ask your insurer about possible savings.

Whether your child just graduated Wellesley High and is off for their first year, or your child graduated from Dover Sherborn 3 years ago and is going back for their senior year kids going back to college can be a stressful time for parents. Reduce the stress and contact CAV Insurance Agency to learn more about auto insurance for your college kid’s needs.

14 Jun 2018
Texting While Driving in Massachusetts: Stats and Penalties

Texting While Driving in Massachusetts: Stats and Penalties

MA Driving Laws

Since 2010, texting while driving in Massachusetts has been prohibited. However, motorists behind the wheel continue to pick up and use their phones. Even if we think that checking our texts quickly while driving is harmless, the threat of accident and injury is still very real. Whether you’re driving on Route #16 through Sherborn or the back roads of Dover, it’s important not to drive distracted. To help you understand the risk and penalties that texting and driving hold, read on for statistics.

Tickets

During the year that the law was enacted, we would expect to see the number of tickets issued to be high as people were just getting used to the new law. We would expect to see that the number of tickets issued would decrease over time. However, this is not the case. In September 2010, the law came into effect. The total number of tickets issued for that year was 274. Since then, the numbers have risen steadily, with 1153 issued in 2011, 3399 in 2013 and 6131 in 2015.

Researchers found that men commit the offense more than women. Additionally, white drivers make up 77.4 percent of the tickets issued. Drivers under 30 also represent the majority of citations. Lastly, most tickets were issued between 3 and 6 p.m.

Penalties

The penalties are steep for texting and driving in MA, and for a good reason, too. Even just a couple of seconds of distracted driving can result in accident and injury. For the first offense of texting while driving, it is a $100 fine. For the second offense, it is $250, and $500 for the third. What’s more, your auto insurance rates can increase at the next renewal period, costing you even more money over the years.

As if the financial penalties weren’t high enough, consider these statistics from the National Highway Traffic Safety Administration. In 2016 alone, 3,450 people were killed. 391,000 were injured in motor vehicle crashes involving distracted drivers in 2015. During daylight hours, approximately 481,000 drivers are using cell phones while driving. That creates enormous potential for deaths and injuries on U.S. roads. Is a text really worth putting your life and others’ at risk?

Work with a company that’s dedicated to securing the quality auto insurance that you and your vehicle need and deserve. Contact the professionals at CAV Insurance, located in Wellesley, MA.

17 May 2018

How to Prepare Your Boat for Spring

Your Boat Spring Cleaning Checklist

If you’re like other Massachusettsian boaters, you’re likely to be thinking about when you get your boat back out onto the water this season. Now that spring is finally here, it’s time to start preparing your vessel for the first spring waters. Before heading off on your first voyage of the season, you’ll want to ensure your boat is properly de-winterized and that you have reliable boat insurance in Wellesley MA in place. Here are some tips to get your boat ready for spring.

 

Prepare for the Season Ahead

  • Take a boat safety course and obtain your boating certificate if you have not already.
  • Read your owner’s manual and consult the manufacturer’s recommended maintenance guidelines.
  • Familiarize (or re-familiarize) yourself with your boat, from the features to the safety precautions.

 

Check Before Cruising

Before you leave the dock, check that everything is in order for a smooth and safe start to the boating season.

  • Inspect all of the safety equipment on board, including flares, fire extinguishers, personal floatation devices, first aid kids, and more.
  • Check all lights on your boat are working properly.
  • Open the engine compartment to check for excess water in the bilge.
  • Check for any electrical issues, such as loose, disconnected, and corroded conductors.
  • Ensure the battery is properly secured to the vessel and that it has plenty of charge left.
  • Clean out the fuel filters and make sure no water is present.
  • Fill your tank with high-quality fuel.
  • Change and check the oil level before starting the boat for the first time.
  • If you will be towing your vessel to its launch point, you will also need to properly inspect and maintain your trailer prior to your first outing.

 

Perhaps you like sailing on Lake Cochituate, or maybe you venture out to Boston Harbor and around Spectacle Island. Whether you dock your boat on the Charles River, in Salem or on the Cape or anywhere in between, CAV Insurance Agency is the name to know for your Massachusetts boat insurance.

 

When you head out for a day on the water, the last thing on your mind is having a boating accident. However, accidents to happen. Whether it’s a collision, accidental fuel spill or injury, protect yourself, your watercraft, and your assets with quality boat insurance. We understand the specialized insurance needs of Massachusetts boaters, and we are here to give you the peace of mind so you can enjoy smooth sailing! Contact us today and let CAV Insurance Agency put our decades of boat insurance expertise to work for you!

10 May 2018
Tips for Getting Your Classic Back on the Spring Roads

Tips for Getting Your Classic Back on the Spring Roads

Preparing Your Classic Car for Warm-Weather Cruising

 

One of the best things about spring is that it’s time to get your classic car back on the road. You might also be planning this summer’s classic car shows, juggling work and family commitments, and hoping to spend a weekend cruising Summer roads in your vehicle. In either case, you’ll probably also be thinking of dragging your classic car out of hibernation and into the summer sun to make sure that nothing has broken, rusted, or otherwise deteriorated. Along with tuning up the car and getting it ready for the summer sun, you’ll also want to review your collector car insurance policy.

 

To help prepare your vehicle, check out these classic car tips.

 

  • For starters, if the car has been on a trickle charger all winter, now is the time to disconnect the charger and reconnect the battery. Otherwise, it’s a good idea to just charge the battery for a few days.

 

  • Check the coolant, oil, transmission fluid or oil and brake fluids to make sure the levels are where they should be. You may find that you need to top up several if not all of the fluids before starting her up.

 

  • Now is also a good time to check the condition of the belts and hoses.

 

  • Get the tire gauge out and make sure that all four (and the spare) have correct air pressure readings. Top up the pressure, if needed. While you’re at it, inspect the tires and make sure they are not balding, wearing out, or have any cracks in them.

 

  • If you can roll the car outside before starting it. If the car has an electric fuel pump, turn the key one notch and let it click away. Not only does this prime the fuel system but it also gives you a chance to look for fuel leaks.

 

  • Give the car a decent Be sure to use proper car shampoo instead of dish soap as this contains salt, which is not something you want your classic car to be covered it. Make it sparkle from the inside out, taking care to inspect the condition of the vehicle and note any signs of damage.

 

  • Now that it’s spick and span both inside and out, it’s time to take your prized possession out for its first public appearance of the year. Let the car warm up and go on a short ride to see if the car is running smoothly and be cautious of any odd sounds. If it’s running rough, it’s best to deal with it as soon as possible.

 

  • Review insurance. Just like any other vehicle, you’ll need to secure auto insurance. Fortunately, the team at CAV Insurance Agency know just how precious your classic car is to you, so we provide adequate coverage that you can rely on.

 

Whether you are taking the classic on Route #16 thru Sherborn or the back roads of Dover, or heading to Marblehead on Route #128 your vehicle will need adequate protection. Find out how CAV Insurance can help you secure a reliable collector car insurance policy to suit your vehicle and financial needs. For coverage in Wellesley and neighboring cities in Massachusetts, contact us today.