Most people think that as you get older so does your brain. You can now set aside everything you believe about how your brain works with age. A recent study on this subject is mind-boggling. "Long-standing wisdom has been that brain function is destined to decline as we age," says Elizabeth Zelinski, PhD, a professor at the University of Southern California. "The good news is, that's simply not true." In fact, research now suggest you have a good chance of keeping your brain sharp if you commit to the right kind of concentrated effort. Scientist have recently came up with the term "brain plasticity" which means you can improve your brain function at any age.
Since the science is still new and evolving there is some controversy over how to build and maintain your brain. However there is a common agreement that in order to enhance brain function, activities must be both stimulating and challenging. Exercise your brain by doing crossword puzzles, learning to play a new instrument, play catch, etc.
One of the daily life activities that can benefit significantly from enhanced brain fitness is driving. This is good news for both older drivings and concerned adult children of older drivers. A car can swerve into your lane or a driver in front of you can clam on the brakes. A few millisecond in your reaction time can make the difference between a scare and a bad crash. That is why it is important to take an active role in staying safe on the road as you age.
For more information on brain fitness including fun activities to test your brain power visit. http://www.hartfordbrainfitness.com/
At CIS we are committed to taking care of our clients and providing them with the most accurate and up to date information. This blog is just one small step to informing you as a driver on how to stay safe and sharpen your brain.
http://www.cisforyou.com/
Showing posts with label auto. Show all posts
Showing posts with label auto. Show all posts
Tuesday, September 20, 2011
Thursday, September 1, 2011
Be Prepared for Labor Day Weekend!
We want to wish everyone a fun and safe labor day weekend. We know many of you will be doing one last road trip or camping trip to wrap up the summer season. When taking long road trips or driving up the mountains it is important to be prepared for anything. At CIS we have come up with a car emergence kit. Having an emergency preparedness kit in your car is sort of like having good insurance. You hope you'll never need it-but boy are you glad it's there on road trips if you have an accident or need to help others.
Emergency kits with most essentials cost $30 to $100 at stores that sell auto accessories. You can also assemble your own kit in case of an emergency, heres what you should include.
Use a sturdy canvas bag with handles or a plastic bin to store your emergency preparedness kit and secure it so it doesn't roll or move when the car is moving. Include the following:
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Emergency kits with most essentials cost $30 to $100 at stores that sell auto accessories. You can also assemble your own kit in case of an emergency, heres what you should include.
Use a sturdy canvas bag with handles or a plastic bin to store your emergency preparedness kit and secure it so it doesn't roll or move when the car is moving. Include the following:
- Flashlight and extra batteries
- Cloth or roll of paper towels
- Jumper cables
- Blankets
- Flares or warning triangles
- Nonperishable snacks, such as energy or granola bars
- Drinking water
- Extra clothes
- First-aid kit
- Basic tool kit that includes screwdrivers, pliers and adjustable wrench
- Phone charger
- Auto-safety hammer
- Copy of insurance ID card
http://www.cisforyou.com/
Wednesday, August 17, 2011
Go Green! For Your Wallet & The Environment
You do not need to spend a fortune on a hybrid to drive green. Making even a small improvement to your car's fuel efficiency can make a big difference to the environment. Here are a few green driving tips to reduce the carbon footprint of the car that's already sitting in your driveway-and in the process, save your money!
1. Get a tune-up for the environment
Proper maintenance can have a big impact on how much gas you use. The payback for repairs varies, but fixing a serious problem like a malfunctioning oxygen sensor can improve fuel efficiency by as much as 40%
2. Pay attention to your tires
The next time you need new tires, consider buying low rolling resistance (LRR) tires. Rolling resistance is essentially the energy that your tires consume as they compress under the weight of your vehicle. LRR tires can improve fuel efficiency by 1.5 to 4.5 %
Proper inflation can even make a big difference on regular tires. The Department of Energy estimates that under inflated tires waste 1.2 billion gallons of gas a year. Once a month you should check your tire's pressure, you can find the correct inflation number for your vehicle in the owner's manual. Do not go by the number listed on the tire itself, as that reflects the maximum pressure the tire can withstand.
3. Lose the junk in your trunk
Those miscellaneous items that we haul around can add up to lots of extra weight-a hundred pounds equals about 2 % reduction in gas mileage.
4. Update your oil
Engines on newer car models (those less than 10 years old) often require lightweight oil such as 0W20 or 0W30. (The lower the number before the W, the easier the engine will start in the cold weather, the number after the W represents the oil's thickness.) Not only does thicker oil reduce your car's fuel efficiency it can fail to lubricate the small spaces in a modern engine.
5. Adjust your octane
Many drivers (estimates of 9 million) mistakenly believe that pumping premium gasoline in their tank will help their engines run better; some drivers periodically opt for higher grades thinking it will help them clean out the car's fuel system. In both cases this is a wasted effort. If your car wasn't designed to run on high-octane gas then using it will cause more unburned fuel to get into the emissions system. Premium gas also requires more energy to refine, so buying it when you don't have to is bad for the environment at both the production and consumption ends of the market.
6. Go green when you need to cool off
On short trips and when driving around town, keeping your windows downs is more efficient than using the air conditioner. At highway speeds, use the air conditioner, as open windows create drag when moving fast. A green driving tip: Using the vents is the most fuel-efficient colling option of all.
7. Drive gently
Jackrabbit starts and screeching stops are hard on your vehicle and increase fuel consumption. Flooring the gas pedal just once can emit as much carbon monoxide as half an hour of normal driving. Every car has an optimal range for fuel economy (check your owner's manual for range.) For every 5 mph over this range you drive, you're reducing fuel efficiency by about 7%
8. Be eco-friendly, even when parked
Gas can evaporate even from a closed tank and heat speeds up the process so park in the shade when possible. By doing so, you will also reduce the amount of energy needed to cool your car when you start driving.
Hope these friendly tips will help your wallet and we know it will help the environment.
http://www.cisforyou.com/
1. Get a tune-up for the environment
Proper maintenance can have a big impact on how much gas you use. The payback for repairs varies, but fixing a serious problem like a malfunctioning oxygen sensor can improve fuel efficiency by as much as 40%
2. Pay attention to your tires
The next time you need new tires, consider buying low rolling resistance (LRR) tires. Rolling resistance is essentially the energy that your tires consume as they compress under the weight of your vehicle. LRR tires can improve fuel efficiency by 1.5 to 4.5 %
Proper inflation can even make a big difference on regular tires. The Department of Energy estimates that under inflated tires waste 1.2 billion gallons of gas a year. Once a month you should check your tire's pressure, you can find the correct inflation number for your vehicle in the owner's manual. Do not go by the number listed on the tire itself, as that reflects the maximum pressure the tire can withstand.
3. Lose the junk in your trunk
Those miscellaneous items that we haul around can add up to lots of extra weight-a hundred pounds equals about 2 % reduction in gas mileage.
4. Update your oil
Engines on newer car models (those less than 10 years old) often require lightweight oil such as 0W20 or 0W30. (The lower the number before the W, the easier the engine will start in the cold weather, the number after the W represents the oil's thickness.) Not only does thicker oil reduce your car's fuel efficiency it can fail to lubricate the small spaces in a modern engine.
5. Adjust your octane
Many drivers (estimates of 9 million) mistakenly believe that pumping premium gasoline in their tank will help their engines run better; some drivers periodically opt for higher grades thinking it will help them clean out the car's fuel system. In both cases this is a wasted effort. If your car wasn't designed to run on high-octane gas then using it will cause more unburned fuel to get into the emissions system. Premium gas also requires more energy to refine, so buying it when you don't have to is bad for the environment at both the production and consumption ends of the market.
6. Go green when you need to cool off
On short trips and when driving around town, keeping your windows downs is more efficient than using the air conditioner. At highway speeds, use the air conditioner, as open windows create drag when moving fast. A green driving tip: Using the vents is the most fuel-efficient colling option of all.
7. Drive gently
Jackrabbit starts and screeching stops are hard on your vehicle and increase fuel consumption. Flooring the gas pedal just once can emit as much carbon monoxide as half an hour of normal driving. Every car has an optimal range for fuel economy (check your owner's manual for range.) For every 5 mph over this range you drive, you're reducing fuel efficiency by about 7%
8. Be eco-friendly, even when parked
Gas can evaporate even from a closed tank and heat speeds up the process so park in the shade when possible. By doing so, you will also reduce the amount of energy needed to cool your car when you start driving.
Hope these friendly tips will help your wallet and we know it will help the environment.
http://www.cisforyou.com/
Friday, August 12, 2011
7 Simple Ways to Change Driving Habits
According to National Highway Transportation Safety Administration (NHTSA) Distracted driving has led to more than 5,400 highway deaths and 448,000 accidents this past year.
To keep your mind on the road and your care out of an accident, follow these 7 easy safe driving tips!
1. Stow all phones-even hand free ones
Talking or texting behind the wheel is perhaps one of the most
important driving habits to break. Of all highway deaths last year,
18% involved drivers using a cell phone before the crash. When
talking on a cell phone your risk of accident quadruples and texting
makes you eight times more likely to crash!
2. Listen to-don't watch GPS devices
High-tech gadgets are supposed to help you navigate unknown streets,
but if you fiddle with the controls or pay more attention to the
screen than the road, you jeopardize your car safety. Program your
destination before you start driving and rely on verbal cues from GPS
instead of the screen.
3. Go 3-D when looking for an address
Before you head out to an unfamiliar destination, review maps and
directions. One tool CIS finds helpful is Google Map's Street View.
The 3-D view gives you visual clues so you don't have to take your
eyes off the road to look for street signs or house addresses.
4. Adjust Controls and set the playlist before you roll
Don't fiddle with gadgets like the radio, iPod, or climate controls
while driving. Set up everything before you turn on the ignition. If
it takes more than a glance to adjust a control, wait until you're
stopped to fix it.
5. Ban conflict-inducing conversations
When you talk with others in the car, heated arguments may pull your
attention away from the traffic signals and pedestrians. Make it a
habit that you'll save deep discussions for outside the car. The same
can be said for handling a misbehaving child.
6. Buckle up Rex
Unpredictable, unsecured pets can cause major distracted driving
concerns. There are a variety of restraints suitable for your type of
pet and car; from a cage in the back to a harness that can be buckled
with the seat belt. The backseat is also the best place for pets,
that way you won't be tempted to pet or feed them.
7. Take breaks to avoid spacing out
Daydreaming in a car can end up as a nightmare. If your mind is
wandering pull over to jot it down or make a phone call. Don't let it
keep running through your head. Take regular breaks, one at least
every two hours.
Get a FREE no obligation quote today from CIS!
http://www.cisforyou.com/
To keep your mind on the road and your care out of an accident, follow these 7 easy safe driving tips!
1. Stow all phones-even hand free ones
Talking or texting behind the wheel is perhaps one of the most
important driving habits to break. Of all highway deaths last year,
18% involved drivers using a cell phone before the crash. When
talking on a cell phone your risk of accident quadruples and texting
makes you eight times more likely to crash!
2. Listen to-don't watch GPS devices
High-tech gadgets are supposed to help you navigate unknown streets,
but if you fiddle with the controls or pay more attention to the
screen than the road, you jeopardize your car safety. Program your
destination before you start driving and rely on verbal cues from GPS
instead of the screen.
3. Go 3-D when looking for an address
Before you head out to an unfamiliar destination, review maps and
directions. One tool CIS finds helpful is Google Map's Street View.
The 3-D view gives you visual clues so you don't have to take your
eyes off the road to look for street signs or house addresses.
4. Adjust Controls and set the playlist before you roll
Don't fiddle with gadgets like the radio, iPod, or climate controls
while driving. Set up everything before you turn on the ignition. If
it takes more than a glance to adjust a control, wait until you're
stopped to fix it.
5. Ban conflict-inducing conversations
When you talk with others in the car, heated arguments may pull your
attention away from the traffic signals and pedestrians. Make it a
habit that you'll save deep discussions for outside the car. The same
can be said for handling a misbehaving child.
6. Buckle up Rex
Unpredictable, unsecured pets can cause major distracted driving
concerns. There are a variety of restraints suitable for your type of
pet and car; from a cage in the back to a harness that can be buckled
with the seat belt. The backseat is also the best place for pets,
that way you won't be tempted to pet or feed them.
7. Take breaks to avoid spacing out
Daydreaming in a car can end up as a nightmare. If your mind is
wandering pull over to jot it down or make a phone call. Don't let it
keep running through your head. Take regular breaks, one at least
every two hours.
Get a FREE no obligation quote today from CIS!
http://www.cisforyou.com/
Wednesday, June 22, 2011
Do I need Medical Coverage?
As of January 2009, in the state of Colorado, insurers are required to offer you medical coverage of at least $5,000. This is an extra coverage on an auto policy that pays for the drivers and passengers medical bills no matter who is at fault. Depending on your carrier, coverage can vary between $5,000 to $50,000 and payments are not subject to your deductible. It is relatively cheap and covers you for long term care, hospitalization, dental treatment, ambulance bills and even your funeral. It protects you or your family if you are riding in another vehicle or even just walking down the side of the road.
This coverage is an addition to your health insurance so if you have adequate health insurance you may want to opt out by signing a rejection form. However, for a low premium this coverage is highly recommended. Medical coverage is primary when involved in an automobile accident so it can even help pay off your health insurance deductible if you have not already matched it. Before rejecting this coverage it is important to look over your own health insurance policy and of course discuss the options with your personal auto insurance agent.
At CO Insurance Specialist we are always willing to review your policy, explain coverage’s and give multiple quotes for different options.
Call us today! 1-888-265-6467
Wednesday, April 27, 2011
Should I have Uninsured Motorist coverage??
Is Uninsured Motorist coverage mandatory in the state of Colorado? No. Should you have it? Absolutely!
Uninsured Motorist coverage protects you against bodily injury, medical expenses, rehabilitation and loss wages that you may occur when involved in an accident caused by another driver that has lower liability limits or no liability insurance at all. Insurance providers must offer this coverage with any new business or at renewal. Typically this coverage “automatically” comes with your auto policy but you do have the option to reject the coverage. This coverage usually matches your liability limits and can only be purchased as an addition to a primary insurance policy. When purchasing UM you are covering the policy holder, all drivers listed on the policy and in some circumstances passengers.
Hopper, Jenny. (2010, January 29). Many motorist still uninsured in spite of law [Web log message]. Retrieved from http://www.autoquotenow.com/auto-insurance-news/state/many-motorists-still-uninsured-in-colorado-in-spite-of-law-1892.php
What is uninsured motorist coverage? [Web log message]. (2008, August 14). Retrieved from http://www.thetruthaboutinsurance.com/what-is-uninsured-motorist-coverage/
Visit us today for a free quote! http://www.cisforyou.com/
Uninsured Motorist coverage protects you against bodily injury, medical expenses, rehabilitation and loss wages that you may occur when involved in an accident caused by another driver that has lower liability limits or no liability insurance at all. Insurance providers must offer this coverage with any new business or at renewal. Typically this coverage “automatically” comes with your auto policy but you do have the option to reject the coverage. This coverage usually matches your liability limits and can only be purchased as an addition to a primary insurance policy. When purchasing UM you are covering the policy holder, all drivers listed on the policy and in some circumstances passengers.
“According to a data released by the Insurance Research Council (IRC), the probability of being caught in a vehicular accident with an uninsured driver in Colorado is as high as 15%” (Hopper, 2010). Colorado was even ranked 16th in having the most uninsured drivers on the streets. With these staggering facts it is very important to make sure your auto policy has this coverage and to discuss your limits with your agent. At CIS we make sure our clients are always covered and automatically quote each policy with UM because we know how important it can be.
Work Cited
What is uninsured motorist coverage? [Web log message]. (2008, August 14). Retrieved from http://www.thetruthaboutinsurance.com/what-is-uninsured-motorist-coverage/
Visit us today for a free quote! http://www.cisforyou.com/
Tuesday, March 8, 2011
Winter Driving Tactics
During this time of year, many of us wake up to snow, sleet or freezing rain. Yet, we still need to climb behind the wheel and head to work, school or run errands. During the winter season it is important to keep a couple things in mind when living in this bi-polar weather state!
Always plan ahead
Keep an eye on the weather and see how much it is supposed to snow within the next hour or days ahead. If you are less experienced with navigating slick roads, take extra time before you head out. Staying calm and patient will make your trip go a bit more smooth.
Be on the defense
Consider taking a defensive driver class. Not only will this class come in handy when making the treacherous drive but could give you a discount on your auto policy. It is an inexpensive way to brush up on how to respond accordingly in dangerous driving situations and adverse conditions.
Take Care and Repair
According to Car Care Council, more than 5% of all vehicle accidents result from insufficient vehicle maintenance. Be sure to never skip out on a routine checkup especially during seasons of extreme weather.
Park it
It may sound simple but the best way to keep your car working and not involved in an accident is to not drive it during winter storms. Driving in severe conditions increases your chance of being involved in an accident. It's always best to stay safe at home than risk damage to your car or worse.
Since accidents do happen it is so important to be with an insurance company that will be there for you and your family in an emergency. At CIS we do business with 6 major insurance carriers that are all A/A+ rated with AM BEST. Our companies and claims services will be there for you when the roads get messy and an accident happens.
http://www.cisforyou.com/
Always plan ahead
Keep an eye on the weather and see how much it is supposed to snow within the next hour or days ahead. If you are less experienced with navigating slick roads, take extra time before you head out. Staying calm and patient will make your trip go a bit more smooth.
Be on the defense
Consider taking a defensive driver class. Not only will this class come in handy when making the treacherous drive but could give you a discount on your auto policy. It is an inexpensive way to brush up on how to respond accordingly in dangerous driving situations and adverse conditions.
Take Care and Repair
According to Car Care Council, more than 5% of all vehicle accidents result from insufficient vehicle maintenance. Be sure to never skip out on a routine checkup especially during seasons of extreme weather.
Park it
It may sound simple but the best way to keep your car working and not involved in an accident is to not drive it during winter storms. Driving in severe conditions increases your chance of being involved in an accident. It's always best to stay safe at home than risk damage to your car or worse.
Since accidents do happen it is so important to be with an insurance company that will be there for you and your family in an emergency. At CIS we do business with 6 major insurance carriers that are all A/A+ rated with AM BEST. Our companies and claims services will be there for you when the roads get messy and an accident happens.
http://www.cisforyou.com/
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