Rental Car Insurance

Rental Car Insurance

There are more options for renting a car than ever before. In the past, you simply selected a vehicle from one of the many brick-and-mortar car rental companies found at airports, train stations or other locations. Today, technology has made possible other alternatives, including peer-to-peer car services, which enable consumers to rent personally owned cars from others; and car sharing programs in which—for a monthly or annual fee—consumers can pick up a vehicle at a wide range of locations for periods ranging from minutes to days.

While these car rental options mean more choice for consumers, they mean more questions about insurance coverage. Fortunately, it is possible to be properly insured when renting a car without wasting money by purchasing duplicative coverage.

The insurance coverage offered by traditional car rental companies is fairly standardized. However, coverage varies widely amongst other types of car sharing programs. The most important step is to read the car rental/sharing agreement—most companies clearly state what is covered as well as the supplemental coverage that can be purchased.

Regardless of the rental car option, the I.I.I. suggests making two phone calls:

The first, to your insurance company, to find out how much coverage you currently have on your own car. In most cases, whatever coverage and deductibles you have on your own car would apply when you rent a car (providing you are using the rental car for recreation and not for business).

• If you have dropped either collision or comprehensive on your own car as a way to reduce costs, you may not be covered if your rental car is stolen or damaged. Insurance rules vary by state, so it is best to check with your insurance professional for the specifics of your policy.
• Check to see whether your insurance company pays for—or provides a rider for—administrative fees, loss of use or towing charges.

The second, to your credit card company. Insurance benefits offered by credit card companies differ depending on the company and/or the bank that issues the card, and the level of credit card used (a platinum card may offer more insurance coverage than a gold card). However, most credit card only provide limited coverage, such as covering the deductible if there is a claim.

• To know exactly the type and amount of insurance that is included, call the toll-free number on the back of the credit card you will be using to rent the car. If you are depending on a credit card for insurance protection, ask the credit card company or bank to send you their coverage information in writing.

• In most cases, credit card benefits are secondary to either your personal insurance policy or the insurance coverage offered by the rental car company. 

 

Brick-and-Mortar Car Rental Insurance

Consumers renting from traditional car rental companies can generally choose from the following coverages (Note: insurance is state-regulated; the cost and coverage will vary from state to state.):

• Loss Damage Waiver (LDW) Also referred to as a collision damage waiver, an LDW is not technically an insurance product—it is designed to relieve or “waive” renters of financial responsibility if their rental car is damaged or stolen. In most cases, waivers also provide coverage for “loss of use,” in the event the rental car company charges for the time a damaged car cannot be used because it is being fixed. An LDW may also cover towing and administrative fees. The Loss Damage Waiver may become void if the accident was caused by speeding, driving on unpaved roads or driving while intoxicated.Comprehensive/collision auto coverage generally covers damage to a rental car. Keep in mind, however, that in most statesdiminished value is not covered by personal auto insurance policies.

• Liability Insurance By law, rental companies must provide the state required minimum amount of liability insurance coverage—generally this figure is low and does not provide much protection. (See State minimums here.)A standard auto insurance policy includes liability coverage. For additional protection, consider an umbrella liabilitypolicy. Non car-owners who are frequent renters can also purchase a non-owner liability policy, which not only provides liability protection when renting a car, but also when borrowing someone else’s car.
   
• Personal Accident Insurance This covers the driver and passengers for medical and ambulance bills for injuries caused in a car crash Health insurance or the personal injury protection (PIP) provided by your auto insurance will likely cover medical expenses.

• Personal Effects Coverage This provides insurance protection for the theft of items from a rental car.A homeowners or renters insurance policy includes off-premises theft coverage. If you frequently travel with expensive items such as jewelry, cameras, musical instruments or sports equipment, consider a personal articles floater to protect your valuables at home and while traveling.

 

Car Sharing and Peer-to-Peer Car Rental Insurance

The insurance offered by these companies is not standardized. It is therefore important to go to the company’s website to read the insurance coverage information carefully. If you have any questions, call the customer service number listed on the website. And contact your auto insurer if you feel you need more information to make an educated insurance coverage decision.
 

Car sharing programs like ZipCar, generally include insurance costs in the fee. However, if the car is involved in a collision or is stolen, the renter may be billed for a specific dollar amount that is stated in the membership agreement. For an additional cost, customers can purchase a “waiver” to avoid paying the accident fee. Car renters under the age 21 should read the insurance coverage carefully as many programs limit coverage for young drivers to the minimum state required amount of liability. Young renters can look into whether their parents’ auto insurance would cover them for the difference, or purchasing their own non-owner liability policy.
 

A number of web-based peer-to-peer rental services (e.g. RelayRides) offer both basic coverage and supplemental insurance. The supplemental insurance includes both coverage for damage to the car and liability protection, and provides a choice of coverage amounts and deductibles. Renters who do not purchase the additional insurance are required to sign an agreement stating that they declined the coverage.

What Is Gap Insurance?

What Is Gap Insurance?

When you buy or lease a new car or truck, the vehicle starts to depreciate in value the moment it leaves the car lot. In fact, most cars lose 20 percent of their value within one year. Standard auto insurance policies cover the depreciated value; in other words, insurance pays the current market value of the vehicle. If you finance the purchase of a new car and only put down a small deposit down, the amount of the loan may exceed the market value of the vehicle in its early years of ownership. Gap insurance is available to cover the “gap” between what a vehicle is worth and what you owe on it.

 

It’s a good idea to consider buying gap insurance for your new car or truck purchase if you:

 

Made less than a 20 percent down payment.

Financed for 60 months or longer.

Leased the vehicle.

Purchased a vehicle that depreciates faster than the average.

Rolled over negative equity from an old car loan into the new loan.

 

While the car dealer may offer to sell you gap insurance on your new vehicle, most car insurers offer it—and it typically costs much less. On most auto insurance policies, including gap insurance with collision and comprehensive coverage adds only about $20 a year to the annual premium.  

Insuring a Leased Car

Insuring a Leased Car

If you lease a car, you still need to buy your own auto insurance policy. The auto dealer or bank that is financing the car will require you to buy collision and comprehensive coverage. You will need to buy these coverages in addition to the others that may be mandatory in your state, such as auto liability insurance.

• Collision covers the damage to the car from an accident with another automobile or object.
• Comprehensive covers a loss that is caused by something other than a collision with another car or object, such as a fire or theft or collision with a deer.

The leasing company may also require "gap" insurance. If you have an accident and your leased car is damaged beyond repair, or "totaled," there's likely to be a difference between the amount that you still owe the auto dealer and the check you'll get from your insurance company. That's because the insurance company's check is based on the car's actual cash value which takes into account depreciation. The difference between the two amounts is known as the "gap."

On a leased car, the cost of gap insurance is generally rolled into the lease payments. You don't actually buy a gap policy. Generally, the auto dealer buys a master policy from an insurance company to cover all the cars it leases and charges you for a "gap waiver." This means that if your leased car is totaled, you won't have to pay the dealer the gap amount. Check with the auto dealer when leasing your car.

If you have an auto loan rather than a lease, you may want to buy gap insurance to protect yourself from having to come up with the gap amount if your car is totaled before you've finished paying for it. Ask your insurance professional about gap insurance; it may not be available in some states.

Protecting Yourself against Uninsured Motorists

Protecting Yourself against Uninsured Motorists

Overlooked Auto Insurance Options

About one out of every eight U.S. drivers does not have an auto insurance policy, even though it is mandatory to purchase this coverage in 49 out of 50 states (New Hampshire is the exception), according to the Insurance Research Council (IRC). In several states, more than one in five drivers do not carry coverage.

If you’re involved in a serious accident with an uninsured motorist, you could be at risk for substantial financial losses.

For protection from losses arising from an accident with an uninsured motorist, consider purchasing uninsured motorist coverage. A handful of states require that this coverage be included in all auto insurance policies. Regardless of state requirements, you may already carry uninsured motorist coverage, so check your policy or ask your insurance professional.

 

Types of Uninsured Motorist Coverage

Specific options for uninsured motorist coverage vary by state and insurer, but in general there are three types of protection:

• Uninsured Motorist (UM) Insurance—Also known as Uninsured Motorist Bodily Injury (UMBI) insurance, this coverage will pay your and your passengers’ medical bills if you’re involved in an accident with an uninsured motorist who is at fault. In addition, UM insurance will reimburse you and your passengers for lost wages. UM coverage also kicks in if you are hit as a pedestrian by an uninsured driver, or if you’re the victim of a hit-and-run accident.
• Uninsured Motorist Property Damage (UMPD) Coverage—While UM insurance covers injuries, it does not extend to damage to your car or property. For this, you need UMPD coverage. Note that UMPD may not cover damaged property beyond your car, and this option may not be available from your insurer—it depends on what state you live in. In addition, UMPD may not cover hit-and-run accidents.
• Underinsured Motorist (UIM) Protection—In some instances, an at-fault driver may have liability insurance, but the policy’s limits do not cover the full extent of damage to your vehicle. In such cases, UIM insurance will cover the shortfall.

 

Auto Insurance for Lower-Income Drivers

Ideally, you’ll have sufficient auto insurance to provide financial protection for any collision. Uninsured motorist coverage offers an important layer of protection, though making an uninsured motorist claim should be a last resort. You can help limit the chances of such an occurrence for someone else by making sure that you always carry auto insurance yourself.

To help ensure that everyone, regardless of financial circumstances, can obtain car insurance, some states, such as California, have programs to assist lower-income drivers. Check with your state’s insurance division to see if your state has such a program. In addition, shop around. Some insurers specialize in writing policies for lower-income consumers.

Can I drive legally without insurance?

Can I drive legally without insurance?

NO! Almost every state requires you to have auto liability insurance. All states also have financial responsibility laws. This means that even in a state that does not require liability insurance, you need to have sufficient assets to pay claims if you cause an accident. If you don’t have enough assets, you must purchase at least the state minimum amount of insurance. But insurance exists to protect your assets. Trying to see how little you can get by with can be very shortsighted and dangerous. The insurance industry and consumer groups generally recommend a minimum of $100,000 of bodily injury protection per person and $300,000 per accident since accidents may cost far more than the minimum limits mandated by most states.

If you've financed your car, your lender may require comprehensive and collision insurance as part of the loan agreement.

For more information, see Automobile Financial Responsibility Laws.

Infographic: Types of Auto Coverage

Infographic: Types of Auto Coverage

Some types of auto insurance coverage are required, others are optional, but you’ll want to understand them all because they provide protection against several types of risk.

What Is Covered by a Basic Auto Insurance Policy?

What Is Covered by a Basic Auto Insurance Policy?

Your auto policy may include six coverages. Each coverage is priced separately.

1. Bodily Injury Liability

This coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. You and family members listed on the policy are also covered when driving someone else’s car with their permission.

It’s very important to have enough liability insurance, because if you are involved in a serious accident, you may be sued for a large sum of money. Definitely consider buying more than the state-required minimum to protect assets such as your home and savings.

2. Medical Payments or Personal Injury Protection (PIP)

This coverage pays for the treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.

3. Property Damage Liability

This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else's property. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hit.

4. Collision

This coverage pays for damage to your car resulting from a collision with another car, object or as a result of flipping over. It also covers damage caused by potholes. Collision coverage is generally sold with a deductible of $250 to $1,000—the higher your deductible, the lower your premium. Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. If you're not at fault, your insurance company may try to recover the amount they paid you from the other driver’s insurance company. If they are successful, you'll also be reimbursed for the deductible.

5. Comprehensive

This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer.

Comprehensive insurance is usually sold with a $100 to $300 deductible, though you may want to opt for a higher deductible as a way of lowering your premium.

Comprehensive insurance will also reimburse you if your windshield is cracked or shattered. Some companies offer glass coverage with or without a deductible.

6. Uninsured and Underinsured Motorist Coverage

This coverage will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver.

Underinsured motorist coverage comes into play when an at-fault driver has insufficient insurance to pay for your total loss. This coverage will also protect you if you are hit as a pedestrian.

Why should I buy life insurance?

Why should I buy life insurance?

Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations:

Replace income for dependents

If people depend on your income, life insurance can replace that income for them if you die. The most commonly recognized case of this is parents with young children. However, it can also apply to couples in which the survivor would be financially stricken by the income lost through the death of a partner, and to dependent adults, such as parents, siblings or adult children who continue to rely on you financially. Insurance to replace your income can be especially useful if the government- or employer-sponsored benefits of your surviving spouse or domestic partner will be reduced after your death.

Pay final expenses

Life insurance can pay your funeral and burial costs, probate and other estate administration costs, debts and medical expenses not covered by health insurance.

Create an inheritance for your heirs

Even if you have no other assets to pass to your heirs, you can create an inheritance by buying a life insurance policy and naming them as beneficiaries.

Pay federal “death” taxes and state “death” taxes

Life insurance benefits can pay estate taxes so that your heirs will not have to liquidate other assets or take a smaller inheritance. Changes in the federal “death” tax rules between now and January 1, 2011 will likely lessen the impact of this tax on some people, but some states are offsetting those federal decreases with increases in their state-level “death” taxes.

Make significant charitable contributions

By making a charity the beneficiary of your life insurance, you can make a much larger contribution than if you donated the cash equivalent of the policy’s premiums.

Create a source of savings

Some types of life insurance create a cash value that, if not paid out as a death benefit, can be borrowed or withdrawn on the owner’s request. Since most people make paying their life insurance policy premiums a high priority, buying a cash-value type policy can create a kind of “forced” savings plan. Furthermore, the interest credited is tax deferred (and tax exempt if the money is paid as a death claim).

Homeowners and Renters Insurance

Homeowners and Renters Insurance

What is homeowners insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.


Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.


Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

What is auto insurance?

Know What Is Car Insurance

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage:

• Property coverage pays for damage to or theft of your car.
• Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
• Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverage's. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

Cheapest Cars to Insure in 2015

Cheapest Cars to Insure in 2015

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage:

Property coverage pays for damage to or theft of your car.

Liability coverage pays for your legal responsibility to others for bodily injury or property damage.

Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

There's a lot to take into account when buying a new vehicle. How it feels and looks is important, but how much it costs -- including fuel consumption, potential resale value, and monthly auto insurance premium -- is usually the deal breaker. To help buyers determine which cars are truly the cheapest, Cheapism.com turned to a recent comparison of insurance rates for more than 1,500 vehicles by Insure.com.

This list of the 15 cheapest cars to insure reflects the annual cost of full coverage by six major insurers for a 40-year-old male driver with good credit, a clean record and a 12-mile commute in 10 ZIP codes in each state. Unsurprisingly, family vehicles that are typically driven by cautious parents are cheaper to insure than flashy sports cars, but other affordable models may not be what you expect.

Jeep Wrangler Sport: $1,134 a Year. The least expensive standard model Wrangler on the market, this two-door, 4x4 SUV is notable for its 3.6-liter Pentastar V6 engine and iconic looks. This model also recently ranked first in terms of resale value for compact SUVs. (It retains 57.4 percent of its original list price of $23,500 after five years.)

Jeep Patriot Sport (2WD): $1,136 a Year. Cheaper (starting at $16,895) and roomier than a Wrangler, the two-wheel-drive Jeep Patriot is better suited for family driving than off-roading. Cruise control and 16-inch wheels are standard, but the Sport package lacks power accessories and air conditioning. Car site Edmunds.com asserts there are better options for consumers than the Patriot, citing drawbacks such as insufficient storage space, disappointing ride quality, and lackluster basic options.

Honda CR-V LX (AWD): $1,160 a Year.The LX is the simplest of the available trim packages but still comes with a rearview camera and hands-free text messaging. All CR-V models are powered by a 2.4-liter, four-cylinder engine, although the all-wheel drive included in this model is an upgrade. The CR-V ranked best in a U.S. News & World Report list of affordable compact SUVs and starts at $24,695. The review highlights a spacious interior, responsive steering, and good fuel economy.

Dodge Grand Caravan SE Plus: $1,162 a Year. The top-ranking minivan on the list, the Dodge Grand Caravan carries a mixed reputation but offers some features consumers may like. The second and third rows of seats can be laid flush with the floor, creating plenty of cargo space and the rear seats can be flipped to face the back for tailgating. The SE Plus starts at $25,245; the cheapest trim package, the AVP, starts at $21,795. This is the last year the Caravan will be available; Dodge is dropping it from the lineup.

Honda Odyssey LX: $1,163 a Year. The Honda Odyssey minivan is a favorite among car critics, although at $28,975, it's more expensive than others on this list. Still, it's noteworthy for its smooth handling, quiet and comfortable ride, safety rating, and fuel efficiency (for its class). The LX is the base model but still includes a rearview camera, Bluetooth, Pandora compatibility and power-adjustable front seats.

Jeep Compass Sport (2WD): $1,164 a Year. This third Jeep model on the list, like the Patriot Sport, is less expensive than a Wrangler, at $18,995. It's also less Jeep-like, in that off-roading may just be off-limits for this front-wheel-drive model. That doesn't mean it's not a good compact SUV, though; it gets decent reviews from experts at Edmunds and The Car Connection, a review and research site.

Subaru Outback 2.5i: $1,176 a Year. The 2015 Outback has been redesigned and offers a roomy interior, sleek body and precise steering. All Outbacks come standard with all-wheel drive, making this a suitable vehicle for outdoor adventures. Motor Trend concludes that the 2015 Outback is bigger and handles better than the competition. The 2.5i is the base model and starts at $24,895.

Ford Edge SE (2WD): $1,176 a Year. A mid-size crossover that seats five, the Ford Edge SE is comparable to the Honda CR-V LX, according to The Car Connection, (although this model has front-wheel drive). Other reviewers appreciate the high-quality look and feel, EcoBoost engine and quiet ride. This base model has a list price of $28,100.

Smart Fortwo Pure: $1,186 a Year. The Smart Fortwo is a two-seater car about half the size of a sedan, which makes finding a parking space amazingly easy. But the same $13,270 and up that you'll spend for this model can buy a more comfortable ride that isn't scary to drive on a freeway. The Pure package is bare-bones, although there are options for power windows and mirrors ($80), radio ($350) and power steering ($550). Air conditioning comes standard.

Ford Escape S (2WD): $1,190 a Year. One of the best-selling crossovers on the market, the Escape stands out with its styling and acute handling. Reviewers say it's fun to drive on winding roads, although it can feel a bit firm at times. Even the basic S trim level (starting at $22,960) comes with full power accessories, six-speaker sound system, air conditioning, rearview camera and Ford's Sync voice command system.

Nissan Xterra X (2WD): $1,200 a Year. Based on a shared Frontier pickup platform, the Nissan Xterra (starting at $23,660) boasts the same easy-to-clean interior. The Car Connection notes that owners give up some comforts (those easy-to-clean surfaces are hard plastic) but get a vehicle that's versatile, spacious, and ready for off-roading.

Dodge Journey AVP: $1,201 a Year. The American Value Package, the base model, starts at $20,295 and is a good budget option for consumers seeking a midsize crossover. The Journey AVP seats five, but an optional third row adds an additional two seats. The four-cylinder engine can feel strained, but it's the only option available at this trim level.

Buick Encore: $1,205 a Year. The Buick Encore, a subcompact crossover, is slightly larger than a standard hatchback and feels more luxurious than the competing Honda HR-V, Mazda CX-3 and Jeep Renegade, but there's no need to pay for a luxury marque. The Encore is available for $24,065 and up. There are five seats, but in reality it fits only four adults comfortably. Reviewers also say the 1.4-liter engine doesn't have enough oomph, or the fuel efficiency one might expect from a small-engine subcompact; they like just about everything else.

Chevrolet Spark LS (Manual): $1,206 a Year. The Chevy Spark is a four-door hatchback that works well for city drivers and is kind to the pocketbook: This model's MSRP is just $12,270. Despite being small and light, the Spark feels and drives like a "real car," Edmunds says. This practical car seats four and gets up to 40 mpg. The basic LS trim comes with air conditioning, power windows and a four-speaker sound system.

Toyota Tacoma Access Cab (2WD): $1,210 a Year.The only pickup on this list is a leader in the compact/midsize class. The Tacoma isn't as powerful nor as comfortable as a full-size but is known for durability and does well when stacked against the competition. The basic, two-door Access Cab version comes with a 2.7-liter, four-cylinder engine, air conditioning, manual transmission and two rear seats that are best suited for children. It's an easy pickup to drive, but with a starting price of $20,965, it's more expensive than comparable models.

Wondering How to Care for Your Car?

Car Care Articles

Get the answers you need from ASE, the industry expert in vehicle repair.

The most common question we hear from consumers is, “What do I need to do to take care of my car and avoid big repair bills?”

Fortunately, the answer is simple: Establish and follow a regular vehicle maintenance plan. A maintenance plan is essential for protecting your automotive investment and maximizing the reliability and safety of your vehicle.

Start with reading your vehicle owner’s manual, where you’ll find the automaker’s recommendations and maintenance schedules based on your driving patterns and habits.

Next, you’ll need to find a good repair shop. Whether a shop is connected to a new car dealership, part of a national chain or an independent service provider, the most important thing to look for is whether they have ASE-certified technicians on staff.

You’ll also need to know how to communicate properly and effectively to avoid misunderstandings that can increase repair and diagnostic costs.

So exactly how do you do all of this?

Easy! Just view our collection of articles that will help you answer your auto maintenance questions. You’ll find both specific advice as well as general recommendations that apply to all types of cars and trucks, covering a wide range of topics.

Safe motoring!

Don't Overlook Automotive Technology as a High-Tech Career Path

Don't Scrimp on Vehicle Maintenance

Auto Service Goes High-Tech

National Standards Help Consumers Locate Qualified Automotive Technicians

Smart Cars, Smarter Technicians

It’s Easy Being “Green”

Gas-Saving Tips for Your Auto

Ten Tips for SUV Owners

End of Summer Marks Perfect Time for Car Care

Springtime Auto Tips

Choosing the Right Repair Shop

Tomorrow’s Environmentally “Clean-Green” Vehicles Are Here Today

ASE: What’s in It for Car Owners

Stopping and Steering are Keys to Driving Safely

ASE: Certifying the Automotive Professional

Protect Your Auto Investment

Don’t Let Car Troubles Ruin Your Holiday Travels Travels

Finding A Quality Auto Repair Shop

Finding A Quality Auto Repair Shop

New to your town or city? Looking for a good auto repair shop?

The National Institute for Automotive Service Excellence (ASE), the non-profit organization that tests and certifies the competence of individual automotive repair technicians, knows a thing or two about selecting a vehicle repair facility.

Whether you are new in town or you are just looking for a new shop, the experts at ASE offer some guidelines to help take some of the anxiety out of your search:

• Look for a repair facility before you need one; you can make better decisions when you are not rushed.
• Ask friends, co-workers and associates for recommendations.
• Consult local consumer organizations, such as the Better Business Bureau (BBB) and chambers of commerce, about the reputation of the shop. Inquire about the number, nature and resolution of complaints.
• Search online for business reviews and visit the shop’s Facebook page if one is available. You can learn a lot about a business and its team by reading social media.
• Look for a tidy, well-organized facility, with vehicles in the parking lot equal in value to your own and modern equipment in the service bays. You likely won’t find hospital-clean conditions, but consider whether the facility’s image and level of professionalism meet your needs.
• Don’t make your selection based solely on location convenience.
• Determine if the shop works on your vehicle make and model or performs the types of repairs you need. Some facilities specialize.
• Look for signs of technician competence. The customer area should display trade school diplomas, certificates of advanced coursework and ASE certifications — a nationally recognized standard of technician competence — for all the employees.
• Does the business have a sense of community? Service awards, plaques for civic involvement, customer service awards, membership in the Better Business Bureau and other consumer groups is a good indicator.
• Professionally run establishments will have a courteous, helpful staff. The manager, service writer, or technician should be willing to answer your questions thoroughly.
• Labor rates, fees for testing and diagnostic work, guarantees, methods of payment, etc. should be posted in the front office/waiting room.
• Ask for the names of a few customers as references. Call them.
• Start with a small or minor job, such as an oil change or tire rotation. Reward good service with repeat business and more complex work.

Look for the Blue Seal

ASE also recognizes some of the best automotive repair shops through its Blue Seal of Excellence program. To qualify, 75 percent of the employees at the automotive repair facility or related business must be ASE certified, covering all the areas of repair or support offered.

In addition, all facilities that employ full-time service consultants and/or estimators must have at least one who is ASE certified. Service consultants must hold current ASE Service Consultant (C1) certification, and estimators must hold current Damage Analysis & Estimating (B6) certification.

To locate an ASE Blue Seal Shop in your area, visit our locator page.

Don't Let Car Troubles Ruin Your Holiday Travels

Don't Let Car Troubles Ruin Your Holiday Travels

Fall presents ideal time for car service and maintenance

As the holidays approach, motorists should make certain their vehicle is up to the rigors of winter travel. Autumn has traditionally been a busy time for carcare activities. Whether you do your own maintenance or depend on the pros, fall service let's you undo the wear and tear of summer's tough conditions while getting ready for colder weather ahead.

The following tips from the experts at the nonprofit National Institute for Automotive Service Excellence (ASE) should give you a road map to fall car care. According to officials at ASE, "Cold weather will only make existing problems worse. A breakdown, while never pleasant, can be deadly in the winter."

First things first

Read your owner's manual and follow the manufacturer's recommended service schedules.

Engine Performance

Get engine driveability problems (hard starts, rough idling, stalling, diminished power, etc.) corrected at a good repair shop. Cold weather makes existing problems worse. Replace dirty filters air, fuel, PCV, etc.

Fuel

Put a bottle of fuel deicer in your tank once a month to help keep moisture from freezing in the fuel line. Note, too, that a gas tank that's kept filled helps prevent moisture from forming.

Oil

Change your oil and oil filter as specified in your manual more often (every 3,000 miles or so) if your driving is mostly stop-and-go or consists of frequent short trips.

Cooling System

The cooling system should be flushed and refilled as recommended. The level, condition, and concentration of the coolant should be checked periodically. (A 50/50 mix of antifreeze and water is usually recommended.) DIYers, never remove the radiator cap until the engine has thoroughly cooled! The tightness and condition of drive belts, clamps, and hoses should be checked by a pro.

Heater/Defroster

The heater and defroster must be in good working condition for passenger comfort and driver visibility.

Windshield Wipers

Replace old blades. If your climate is harsh, purchase rubberclad (winter) blades to fight ice buildup. Stock up on windshield washer solvent you'll be surprised how much you use. Carry an ice-scraper.

Battery

The only accurate way to detect a weak battery is with professional equipment. Routine care:  Scrape away corrosion from posts and cable connections; clean all surfaces; retighten all connections. If battery caps are removable, check fluid level monthly.

A word of caution:

Removal of cables can cause damage or loss of data/codes on some newer vehicles. Check your manual. Be sure to avoid contact with corrosive deposits and battery acid. Wear eye protection and rubber gloves.

Lights

Inspect all lights and bulbs; replace burned out bulbs; periodically clean road grime from all lenses. To prevent scratching, never use a dry rag.

Exhaust System

Your vehicle should be placed on a lift and the exhaust system examined for leaks. The trunk and floorboards should be inspected for small holes. Exhaust fumes can be deadly.

Tires

Worn tires will be of little use in winter weather. Examine tires for remaining tread life, uneven wearing, and cupping; check the sidewalls for cuts and nicks. Check tire pressure once a month. Let the tires "cool down" before checking the pressure. Rotate as recommended. Don't forget your spare, and be sure the jack is in good condition.

Emergencies

Carry gloves, boots, blankets, flares, a small shovel, sand or kitty litter, tire chains, a flashlight, and a cell phone. Put a few "high-energy" snacks in your glove box.

For ASE’s Glove Box Tips, click here.

The National Institute for Automotive Service Excellence (ASE) was founded in 1972 as a nonprofit, independent organization dedicated to improving the quality of automotive service and repair through the voluntary testing and certification of automotive technicians. ASE-certified technicians wear blue and white ASE shoulder insignia and carry credentials listing their exact area(s) of certification. Their employers often display the blue and white ASE sign.

Protect Your Auto Investment

Protect Your Auto Investment

If you've ever wondered what it takes to be an ASE-certified automotive technician, consider this: In the span of one career, automotive engine technology alone has advanced from purely mechanical devices that need periodic adjustments to sophisticated, computer-controlled systems that can actually compensate for normal wear.

The same can be said for virtually every major system on today’s vehicles, from brakes to transmissions. And the technicians who service and maintain our vehicle fleet have had to learn it all. In fact, to be an ASE-certified automotive technician today is to commit to a lifetime of training just to keep abreast of changing technology.

Maintenance more necessary than ever before
Modern vehicles are wonders of engineering. In just the past decade, maintenance intervals for things like spark plugs, emissions and cooling systems have been stretched out to 100,000 miles in some vehicles.

But the need for periodic maintenance hasn't changed. In fact, given the longer life expectancy of today’s vehicles, the need for periodic maintenance has never been greater if you expect to get the most from what has become the second biggest investment most individuals will ever make.

To protect this investment and to get the maximum reliability and safety from the vehicle you depend upon daily, you need to establish and follow a maintenance plan. The best place to start a maintenance program is by reading your owner's manual. In it you will find the manufacturer's recommended maintenance schedule.

This schedule is based on "normal" driving, but remember that very few of us drive "normally." The roads are typically dusty and strewn with potholes and speed bumps. Look at the manufacturer's recommended maintenance schedule as a starting point for your vehicle maintenance plan, not the final authority.

The National Institute for Automotive Service Excellence (ASE), the non-profit organization that tests and certifies the competence of individual automotive repair technicians, knows a few things about vehicle maintenance too. ASE offers some general recommendations, which apply to all types of cars and trucks, to help you build a comprehensive vehicle maintenance plan.

Lube for life
The engine is the heart of your vehicle and probably the most costly to repair when something goes wrong. Modern electronic controls have eliminated a lot of adjustments, and what we used to call a “tune-up” has evolved into something akin to a complete physical, where most of the work involved is designed to verify proper operation of computer control systems.

While it's true that new cars and trucks run cleaner than ever before, the engine and all its related control systems must be kept operating exactly as designed to prevent increased engine emissions and a host of driveability problems.

The one thing experts agree on that you can do to add many miles to your engine is regular oil and filter changes. Most auto manufacturers recommend oil and filter changes every 7,500 miles or six months under "normal" conditions, but repair experts believe a better interval is every 3,000 miles or three months. By changing the oil regularly, the inside of your engine will stay clean, and you'll avoid damaging sludge buildup.

Keeping cool
Today's cars also tend to run hotter than previous models. With the trend to downsize vehicle components to save space and weight, cooling system components are being asked to do more than their older counterparts.

The best thing you can do to maintain the cooling system at peak efficiency during the life of your car is toreplace the coolant according to the manufacturer's recommendations. Although some of the newer coolants last longer, antifreeze does wear out. By replacing the coolant periodically, you insure that the corrosion inhibitors are fresh and are helping to eliminate the scale and corrosion that builds up inside the cooling system.

Fluid facts
Probably the most ignored fluid in the car — and the most important — is the brake fluid. Brake fluid is not a petroleum-based product, so it does absorb moisture from the air. This hygroscopic quality diminishes its effectiveness and lowers braking performance.

Sludge will also build up over a period of time, blocking the valves inside antilock brake (ABS) units and resulting in costly repairs or replacement. In addition, this sludge may cause calipers and wheel cylinders to leak, also resulting in repairs or replacement. Experts recommend having the brake fluid flushed and refilled periodically, although manufacturer recommendations vary as to how often.

The transmission fluid also needs to be changed on a regular basis to help keep the transmission in tip-top shape. Here again, some manufacturers have increased maintenance intervals to 100,000 miles for transmission fluid changes, but these systems still need periodic maintenance. Most transmission failures can be directly traced to a lack of maintenance. When planning your maintenance schedule, consider that even one transmission replacement will probably greatly exceed the cost of all the fluid and filter changes for the entire life of the car.

Power steering is another fluid that is often ignored. It is recommended that it be flushed and refilled at least as often as you replace the brake fluid.

Replacing the differential fluid is something that is most often overlooked. A regular fluid change will help the differential last the life of the vehicle. If your vehicle is four-wheel drive or all-wheel drive, change the transfer case fluid as well.

Get out the grit
Filters play a critical part of a regular vehicle maintenance plan. Air and fuel filters keep dirt and abrasive grit out of the engine. Problems arise when these filters get dirty and start to clog up. Many driveability problems, such as hesitation and rough idle, can stem from dirty air and fuel filters. For maximum effectiveness, they should be replaced about every 15,000 miles, but driving in dusty conditions can require more frequent air filter changes.

A filter that is often overlooked is the carbon canister filter. It is an important part of the emission control system and filters the incoming air that this system uses. The canister is an integral part of today's engine management system, and a clogged canister filter can also result in driveability or emissions problems.

Some cars still have a positive crankcase ventilation (PCV) filter, also called a breather element. This filters the air for the PCV system to ensure clean air enters the engine crankcase. Most cars today draw air for the PCV system from the air cleaner housing so this filter is not needed, but if your engine has one, replace it at 15,000 mile intervals as well.

Speaking of the PCV system, the PCV valve (if equipped) should be replaced on a regular basis, too. When you put the new PCV filter in, replace the PCV valve as well. Many cars now use a metered orifice instead of a PCV valve and this should be checked periodically for free flow.

Today's ‘tune-up’
Ignition systems have become much more reliable over the years. Many engines don't even have distributors anymore; they use a DIS or Direct Ignition System. These systems can either mount one ignition coil on each spark plug, or share one coil for two plugs, thus eliminating the need of a distributor.

On engines that still use a distributor, it is a good idea to replace the distributor cap, distributor rotor and ignition wires according to the manufacturer's recommendations.

The spark plugs need to be replaced on a regular basis as well. Even though some manufacturers have extended those intervals to 100,000 miles, this doesn't apply to all engines. The best plug to use is the one the manufacturer recommends. This information is usually found on an engine decal located under the hood.

Belt basics
Perhaps the most critical engine component these days is the timing belt. Most manufacturers suggest replacing the timing belt every 60,000 miles.

Not all engines use a timing belt, but on those that do, it's critical that it be replaced before it breaks. If your car has an interference engine where the valves and pistons occupy the same place in the combustion chamber at different times, serious engine damage can occur if the belt breaks while operating. If your car has a non-interference engine, the worst that will happen is you get stranded somewhere.

Other engine drive belts should be checked on a regular basis — about as often as you change oil. In general, you should look for excessively cracked, glazed or frayed belts. Many accessories — including the alternator, power steering pump and coolant pump — are operated by drive belts. If these belts break or slip, the components they drive will fail to work, leaving you stranded.

One more thing to check while you're looking at the belts is the battery. Virtually all batteries are maintenance-free these days, except for a periodic terminal cleaning and inspection for cracks or leaks. In addition, ensure the battery is mounted securely.

Tire tips
Tires are one of the most important maintenance items under your car. The best way to get the most out of your tires is by having them rotated and balanced on a regular basis, about every 7,500 miles. This ensures they wear evenly and last as long as possible.

Balancing is important to eliminate vibration at road speeds, and a properly balanced tire reduces the stress and strain on shocks, struts and steering parts. Keeping the tire pressures set to specification will also go a long way in extending tire life and fuel economy.

Seeing clearly
Finally, you should get in the habit of replacing your wiper blades once a year. The Car Care Council recommends replacing them each spring, when you set your clocks forward for Daylight Savings Time.

Wiper refills are the most inexpensive safety feature on your vehicle. And if you doubt having good wipers is a safety feature, try driving with bad ones in a downpour at night.

If you live in an area that suffers cold and snowy winters, you may want to change to winter blades in the fall and go back to regular blades in the spring.

Following a regular vehicle maintenance program is the best insurance you have against unexpected breakdowns and expensive repairs. It also pays dividends by allowing you to get the most out of your transportation investment.

With a little forethought and TLC, that family chariot can reliably deliver a couple of hundred thousand miles of service.

Non-Warranty Work Most Commonly Postponed

Repair work	Percentage
Minor manufacturer-recommended scheduled service	22
Wear items (e.g., break pads, tires)	17
Body or other exterior damage	15
Major manufacturer-recommended scheduled service	11
Replacement of exterior light bulbs	10
Repair of mechanical issues	8

Source: Consumer Reports’ National Research Center survey, Nov. 3-7, 2011.

ASE: Certifying the Automotive Professional

ASE: Certifying the Automotive Professional

ASE: Certifying the Automotive Professional

Finding a competent auto technician need not be a matter of chance. Much of the guesswork has been eliminated, thanks to national program conducted by the non-profit National Institute for Automotive Service Excellence (ASE).

ASE tests and certifies automotive professionals in all major technical areas of repair and service. With nearly 400,000 currently certified professionals, the ASE program is national in scope and has industry-wide acceptance and recognition. ASE-certified professionals can be found at every type of repair facility, from dealerships, service stations, and franchises to parts stores, independent garages, and even municipal fleets.

Certification Benefits Motorists

ASE certifies the technical competence of individual technicians, not repair facilities. Prior to taking ASE certification tests, many technicians attend training classes or study on their own in order to brush up on their knowledge. By passing difficult, national tests, ASE-certified technicians prove their technical competence to themselves, to their employers, and to their customers. Moreover, shop owners and managers who encourage their employees to become certified can be counted on to be concerned about the other aspects of their business.

How Certification Works

About 100,000 technicians sit for ASE tests each May and November at over 750 locations. Technicians who pass at least one exam and fulfill the two-year work experience requirement become ASE-certified. Those who pass a battery of exams (and fulfill the experience requirement) earn Master Technician status.

The tests, developed by industry experts with oversight from ASE's own in-house pros, are administered by ACT, the same group known for its college entrance exams.

There are specialty exams covering all major areas of repair. There are eight tests for auto technicians alone: Engine Repair, Engine Performance, Electrical/Electronic Systems, Brakes, Heating and Air Conditioning, Suspension and Steering, Manual Drive Train and Axles, and Automatic Transmissions. (There are also exams for collision repair technicians, engine machinists, parts specialists, and others.)

ASE requires technicians to re-test every five years to keep up with technology and to remain certified. All ASE credentials have expiration dates.

Finding ASE-Certified Technicians

Repair establishments with at least one ASE technician are permitted to display the ASE sign. Each ASE professional is issued personalized credentials listing his or her exact area(s) of certification and an appropriate shoulder insignia. Technicians are also issued certificates that employers often post in the customer-service area. Employers often display the blue and white ASE sign as well. Businesses with a high level of commitment to ASE (75 percent of service personnel certified) are entitled to a special "Blue Seal of Excellence" recognition from ASE.

Choosing the Right Technician

As with other professionals, automotive technicians often specialize. So it's wise to ask the shop owner or service manager for a technician who is certified in the appropriate area, say, brakes, engine repair, or air conditioning.

Choosing a Repair Shop Checklist

Here are some tips from the nonprofit National Institute for Automotive Service Excellence (ASE) on finding a good repair establishment:

• Start shopping for a repair facility before you need one.
• Ask friends and associates for recommendations; consult local consumer organizations.
• Arrange for alternate transportation in advance so you will not feel forced to choose a shop based solely on location.
• Look for a neat, well-organized facility, with vehicles in the parking lot equal in value to your own and modern equipment in the service bays.
• Look for a courteous staff, with a service writer willing to answer all of your questions.
• Look for policies regarding labor rates, diagnostic fees, guarantees, acceptable methods of payment, etc.
• Ask if the repair facility specializes or if it usually handles your type of repair work.
• Look for signs of professionalism in the customer service area such as civic, community, or customer service awards.
• Look for evidence of qualified technicians: trade school diplomas, certificates of advanced course work, and certification by ASE.
• Reward good service with repeat business and customer loyalty.

For ASE’s Glove Box Tips, click here.

The National Institute for Automotive Service Excellence (ASE) was founded in 1972 as a non-profit, independent organization dedicated to improving the quality of automotive service and repair through the voluntary testing and certification of automotive technicians. ASE-certified technicians wear blue and white ASE shoulder insignia and carry credentials listing their exact area(s) of certification. Their employers often display the blue and white ASE sign.