We know the deepest learning happens when students have the tools they need to inspire new ways of thinking and seeing the world. We are proud to be participating in our Subaru Loves Learning initiative.
We are partnering with the American Association for the Advancement of Science (AAAS) to donate award-winning science books to local schools.We will be donating books to the Wappingers Central School District
• Over 50% of the fastest growing jobs in the U.S. are in the fields of science and only 26% of high school students are ready for college level science.
• Subaru retailers will donate a diverse array of award-winning science books to schools with the goal of engaging K-12 students.
From Nationwide Insurance – https://www.nationwide.com/insurance-tips-for-car-buyers.jsp
Most people know they need insurance for their new car, but in the excitement of buying a vehicle they may not research it as carefully as they should. Skipping over this detail may cause financial problems almost as soon as you drive off the lot.
“You need to shop for insurance before you ever step foot on the lot to negotiate buying a car,” says Penny Gusner, consumer analyst at Insure.com. “Sure, look at cars and narrow down what exact make and model you may buy, but keep your car insurance costs in mind during this time as well. When you have your choice of car narrowed down to a few, it’s time to shop around for insurance.”
Waiting to buy a vehicle until you’ve sorted out your insurance needs may save you hundreds of dollars because some vehicles, such as sports cars, can carry higher insurance rates. While a new vehicle payment might be affordable, you need to consider auto insurance as part of the cost. Protect yourself, your car and your finances by considering these key points from Gusner before you buy:
- Determine how long your current car insurance will cover your newly purchased car. “If you’re replacing a vehicle on your policy, typically the same coverage will extend to your new car,” says Gusner. “It can be as short as 24 hours or as long as 14 days, so check before you buy to find out what it is rather than assuming you have coverage. Also, if you’re not replacing a car, then you may not have any coverage at all.”
- Don’t assume the dealership will take care of the insurance paperwork for you. Not only is the staff busy, it is not its responsibility to call and add a car to your policy. “If they look at your insurance card and let you drive off, it’s because they are assuming you checked and know that there is coverage under your current policy,” says Gusner. Keep in mind that, if you’re financing or leasing a car, the lienholder will mandate that you have not only liability insurance but also comprehensive and collisioncoverage,” she adds. ” So if you have liability-only coverage but need comprehensive and collision with your new car, get it added before you leave the lot – it doesn’t get automatically added for you.”
- Understand what’s needed. When buying a car, you need to know the cost of the car, of course, but you also need to understand what coverage, limits and deductibles you must buy. For example, lienholders usually ask for deductibles that are $500 or below, say Gusner. Talk to your insurance agent.
- Liability coverage is the basic insurance you need to drive on the roads. Most states require you to have this coverage to pay for damages or injuries to others you may be responsible for when driving your car, says Gusner.
- Personal injury protection (PIP) PIP is required in no-fault states as part of your basic car insurance policy. It pays for your medical expenses up to its limits, regardless of fault in an accident. Again, talk to your agent. Also, make sure you know what coverage, limits and deductibles are (comprehensive and collision have deductibles you must choose) when shopping for insurance so you get the correct rate quotes, she said.
- Gap insurance is a must if you owe more than your vehicle is worth. Cars depreciate as soon as you drive off the lot. There are many examples of car buyers having their cars totaled soon after purchase and owing thousands more than their insurance covers. “Gap insurance pays the difference between the value of the vehicle at the time of its total loss and what you still owe on it,” says Gusner.
- Protect yourself with collision insurance. What if you drive off the lot and are hit by another vehicle or object such as a shopping cart? Collision insurance protects your car. That’s why lienholders require that you carry it: the car is still the asset of the lienholder, says Gusner.
- Comprehensive insurance covers your car for weather-related damages. Live in an area often hit by tornados? In a flood zone? Comprehensive coverage is a smart buy, even if you don’t experience extreme weather. It protects you in case the car is damaged by fire, theft or vandalism. Again, expect the lienholder to insist you have this coverage so the vehicle can be repaired or paid off if it is a total loss.
From Nationwide Insurance – https://www.nationwide.com/teen-safe-driving-tips.jsp
Just like a sports coach, your job as a parent and driving coach is to teach and stay cool under pressure. Being a good partner and co-pilot will help your teen driver keep it together, too.
Experience is key to teen driving safety
According to the CDC, Driver inexperience is the main cause for teen driving deaths every year.1 Help your teen get as much behind-the-wheel time as possible in a mix of situations and road conditions. The more time they get to practice driving before they get their license, the better off they will be.
Reinforce driver’s ed rules
Your teen will likely learn driving rules in an official driver’s ed class. But it’s your job to help them apply those rules in real-life situations. Need some direction? Here are 7 tips to make your teen a better driver.
Handling your teen’s driving mistakes
When your teen practices driving, be sure to remain calm and focused. And expect some mistakes.
To help your teen avoid making mistakes and reduce stress, keep these tips in mind:
- Make sure only you and your teen are in the vehicle to avoid teen driving distractions.
- Try different situations, starting with daylight hours and good weather.
- Drive in low-risk areas, such as parking lots, parks and quiet streets.
Be a driving role model
The best way to reinforce good driving habits is to display them. Don’t just talk or preach about them – show them. If you show good driving technique and avoid distractions – like texting, talking & eating – your young driver might, too.
Does your family have several drivers? Share discounts and benefits with the Nationwide Family Plan.
Consumer Reports had a lot of nice things to say (click here to read the full article):
Subaru’s popular Forester continues to put function in front of
form. It stands out from the crowd, resisting the contemporary trend
toward making SUVs look like sports coupes with descending
rooflines and curvaceous bodies. Instead, the Forester aces the
fundamentals with a space-efficient design, large windows, and
big square doors. That recipe has resulted in the easiest access
and the best view out of almost any vehicle, and one of the roomiest
rear seats in the class, with copious head and leg room.
A 2017 update includes updated exterior styling, improved sound
deadening and more upscale options like a heated steering wheel
and blind-spot monitoring. Engine tweaks slightly boost fuel economy,
and the X-mode off-road traction assist system now comes on
every trim level with the CVT, except the base 2.5i.