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10 Genius Car Hacks Every Driver Should Know

  • March 8, 2023

Your car gives you the freedom to do everything from getting to work on time to exploring the world around you. Many of us don’t think much about our vehicles, but we probably should.

In fact, just using a few simple hacks can improve your driving experience and avoid wasting money maintaining and repairing your car.

Following are 10 genius car hacks every driver should know.

See how much you could save on auto insurance

1. Carry jumper cables and kitty litter in your trunk

Don’t leave home without jumper cables and kitty litter in your trunk.

It’s easy to see the importance of jumper cables: You might need them if your car battery needs a quick charge. But why does kitty litter matter?

Kitty litter’s grit can help you get out of any slippery situation, whether that’s a patch of ice or a pile of snow. As a bonus, it’s also great for cleaning up spills if your car happens to leak oil on your friend’s driveway.

2. Don’t let your car sit in the cold weather to warm up

A cold morning feels even worse when you climb into a car that hasn’t warmed up. However, as tempting as it might be to start your vehicle and let it get toasty, it’s not a good idea.

There’s no benefit to warming up your engine. Today’s car models are fully lubricated and ready to drive within 30 seconds. The car also will warm up faster if you drive it as opposed to letting it idle.

Finally, letting the car idle wastes gas and adds harmful emissions to the environment.

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3. Keep a notebook of your car’s maintenance history

Keep track of your vehicle’s maintenance history

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INSURANCE
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Car insurance in Singapore: All you need to know to get the cheapest rate (2022), Money News

  • August 17, 2022

3. What is excess? And how much should it be?

“Excess” refers to the amount you have to pay out of your pocket before the insurance company pays for the rest.

For example, Ryan is coasting down the freeway, headbanging to a Linkin Park album when a tree jumps in his path. He slams into it, and the cost to fix his car is $2,000. His excess is $600 (for a pretty comprehensive plan). So he just pays $600, and the insurer forks out the remaining $1,400.

Excess is inversely related to the cost of the car insurance plan. In plain English, this means…

Low excess = expensive insurance premium. If an accident happens, you’ll be very glad you need to fork out only $600, especially since you might already be stressing out over medical bills and having a rough time in general. But you will feel very broke when you pay for your annual car insurance premium. If you’re looking for a low excess of $300 to $400 or so, you can expect to pay $3,000 upwards for your annual premiums.

High excess = cheaper insurance premium. The good news is, you’ll get a bargain on your car insurance. The bad news is, you’ll be afraid to drive your car. This is a risk you might not want to bear unless you’re the safest driver on earth and enjoy the protection of a prominent deity.

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Note that if you add on a perceived “risky” driver – eg your kid (under 23 years old with less than two years of driving experience) who’s just gotten her driver’s license – your insurer might force you to accept an additional young and inexperienced driver excess without any discount on your premium.

4. Should I get comprehensive or TPO (third party

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INSURANCE
December 2023
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