Driving Etiquette: The Left Lane

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Driving EtiquetteYour driving etiquette reveals a lot about you. It demonstrates your level of patience, or lack thereof. How you drive tells the world whether you are extremely vigilant, somewhat careful or completely reckless. And it shows whether you’re a habitual rule follower, rule breaker or somewhere in between.

How you carry yourself on the road also demonstrates how considerate you are. But you don’t have to break the legal rules of the road to show a lack consideration for your fellow motorists.

There’s one place on the public roadways where we see the most breaches of driving etiquette: the left lane of the highway. For example:

Allowing other drivers to merge onto the highway. Proper driving etiquette dictates that if you are in the far right lane and one or more cars are attempting to merge onto a highway, you should move over if the next lane is clear. Many drivers fail to do this. Some don’t pay attention to cars trying to merge. Others have the attitude that it’s not their job to let others on the road. Be considerate and give drivers extra room to merge onto the highway.

Stopping to allow others to merge. I understand why people think this is good driving etiquette and a nice thing to do. But unless you are in heavy stop-and-go traffic, it’s dangerous. It slows the flow of traffic and the driver behind you isn’t expecting you to stop. If you can’t move over to the left, try to create room between cars by either accelerating or easing off the accelerator.

Hogging the passing lane.  Other than moving out of the way of mergers, the only reason to be in the far left lane is to pass slower traffic. Unfortunately, too many drivers block this lane and force faster cars to pass on the right. Some people camp out in the left lane because they’re afraid of deer running across the road and think it’s safer on the left side. Proper driving etiquette says you should move over for mergers or pass quickly, then return to the right lane.

Passing in cruise control. You have the cruise control set at 65 and you come up behind a car doing 62. As you get closer, you start to pass but leave the car in cruise. So instead of quickly getting past the slower car, you end up blocking the left lane for several minutes. Next think you know, a car driving at 67 is stuck behind both of you.

Using good driving etiquette not only shows consideration for other drivers, but also reduces accidents. So be respectful of others on the road, and stay safe!

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Car Repair Shops Dos and Don’ts

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car repair

We lost a great friend, Tom Magliozzi from Car Talk, this week and in his honor we’re sharing a few of our favorite tips on dealing with car repair shops! Getting a car serviced or repaired has to be the least favorite activity of anyone who owns a vehicle. It often costs a lot, and most people don’t budget for that expense. Not to mention most people have no idea how to talk to mechanics and whether or not they’re paying a fair price for repairs.

I can’t give you any advice on how to make your car repair experience more pleasant, but I can offer a few dos and don’ts to help you avoid getting scammed and overpaying.

Don’t Wait Too Long.

One of my first pieces of advice is to take care of issues before they become major problems. Strange noises, steering problems and engine troubles typically don’t disappear because you ignore them. You need to address any abnormalities right away for two reasons. First, the longer you wait, the more damage you’re probably doing to the car and the more the car repair will cost. Second, if something breaks and you can no longer drive the car, you’re going to be stuck getting it fixed at the first car repair shop it’s towed to, unless you want to keep paying towing charges to have it drug around town looking for the best deal.

Don’t Diagnose the Problem.

Two things could happen if you tell the car repair shop exactly what you think is wrong. One, they may focus specifically on that problem and miss something else that’s wrong. Or two, they may charge for a repair based on that diagnosis even if it wasn’t the cause of the problem. Let them find what’s wrong.

But do provide as many symptoms as possible. Be very specific about what is wrong with the vehicle. Don’t just tell the car repair shop you’re hearing a grinding noise. Inform them that you hear it when you’re traveling above 35 mph or when you make right turns. Note whether certain weather or driving conditions make the problem worse. Recall any large bumps you may have hit that could have caused the issue. Write everything down and give the mechanic a detailed assessment.

Don’t be pressured into agreeing to a quote.

Car repair shop owners know you’re going to flinch at the size of a quote. If you say you’re going to think about it or get a second opinion, they may counter with “It’s really not safe to drive,” or “I guarantee that’s the best deal you’re going to get.” They may even put the car on the lift and claim they’ve already started the work before you’ve agreed to it. Somebody who’s confident in his work and business practices won’t resort to these tactics just to get your business.

But do push back if needed. If the shop tells you a part is worn out or broken, ask them to show it to you and compare it to one that works properly. Ask for an itemized list of all repairs, not just a single amount and question why something costs what it does. Get the estimate in writing. You should also request the old part after the repair is made to ensure it was actually replaced.

Do get a second opinion from a different car repair shop.

If you don’t feel confident in the car repair shop you’re at, go with your gut and get a second opinion. Take the itemized list and call around to see what others charge for the same work. You should also consider taking the car in to see if another shop comes to the same conclusion as the first one.

A lot of issues can be avoided by finding a trustworthy car repair shop. So always ask friends and relatives if they have somebody they like, check with your local Better Business Bureau and take a look around the shop to get a sense if a reputable business is being operated.

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Resale Value: Buying for the Future

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Resale ValueMany variables come into play when buying a new car, but there is one you should definitely be focused on: resale value. It doesn’t seem natural to think about selling the car as you’re buying it, but in terms of an investment the car you buy today will likely be the down payment for the one you buy in three, five or seven years. The more value it retains, the less you have to finance for your next purchase.

The best resource to determine potential resale value is Kelley Blue Book which reports market value prices for new and used automobiles of all types. Each year, the company publishes its Best Resale Value Awards ranking an overall top 10 and a top three cars in 22 categories.

Who Wins the Resale Value Game?

Resale Value: FJ CruiserIf you want your car to retain the most value, you almost can’t go wrong buying a Toyota, the company that gave us an iconic ’80s tagline and the greatest minivan viral video! When it comes to resale value, the automaker:

  • Has claimed Kelley Blue Book’s Best Brand award for each of the last three years.
  • Manufactured four of the Top 10 for 2014 Best Resale Value: FJ Cruiser (#1), Tacoma (#2), 4Runner (#4), and Tundra (#6).
  • Has claimed the model, the FJ Cruiser, with the best overall resale value the last two years. This year it is projected to keep 81 percent of its value after three years and 70 percent after five years!
  • Sells the 2014 model with the best projected resale value in the following categories: mid-size pickup (Tacoma), mid-size SUV (FJ Cruiser), full-size SUV (Sequoia), full-size pickup (Tundra), minivan/van (Sienna) and full-size car (Avalon).

Along with Toyota, Honda is another brand name that will hold more of its value because of strong reputation. In fact, the two most stolen used cars in 2013 were Hondas: Accord and Civic. You know your car is in demand when it’s ripped off more than others!

How Well Did it Sell?

In addition to the Kelley Blue Book rankings, another way of determining potential resale value is looking at supply and demand. High-production vehicles will likely not retain as much value, especially if demand fell short of the number made. Also check out the incentives, such as rebates, being offered for a model. If manufacturers are offering generous incentives for a particular model, it could indicate that it’s not selling well, which means its resale value will probably be lacking as well.

Resale ValueCars don’t have to be high-priced to maintain their resale value. The 2014 Nissan Versa is the lowest priced new car this model year, yet Kelley projects it will have the highest resale value of any subcompact in the industry. Likewise the Subaru Impreza is the most affordable all-wheel drive vehicle on the market and was named the compact car with the best resale value this year.

Appearance Matters

Don’t overlook the importance of color when it comes to resale value. Remember the key to getting maximum value on a resale or trade is based on the potential number of buyers. Bright orange, lime green, and metallic purple might make a statement, but it’s a statement not many drivers want to make. Cars of unusual hue will therefore be tougher to sell and worth less. If you’re planning to resale or trade in a few years, stick with the beige, silver, blue, gray, black or white.

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Avoiding Rental Car Mistakes

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Driving a rental car should always be a pleasant experience. You get to take a break from your usual set of wheels and cruise around in a new vehicle for a few days. If you’re lucky, you might even get to try out that new make and model you’ve been thinking about buying. And, hopefully, you’re renting because you’re off on vacation or about to close a big business deal!

Check out these 3 tips on the rental car process. A few extra minutes when you’re picking up can ensure you have a great time from beginning to end!

rentalcar620-large_600x400 Fill Up the Gas Tank!

Imagine you’re running late for your return flight. You’re tired from the long trip, and, of course, the gas tank is almost empty. You’re not sure where the closest (and cheapest!) gas station is, so now you’re stuck with the decision: Pay the fuel surcharge because you returned the rental car empty or risk missing your flight searching for a gas station in an unfamiliar environment. Avoid this scenario by scouting stations in the vicinity before you pick up the car. Or ask the agent where they fill up!

Read the Contract

It’s tempting to sign the rental agreement without reading or even discussing it with the agent. But not knowing what isn’t allowed under the agreement could end up costing you later.

For example, companies often charge more for out-of-state driving, and, if you’re planning to head into Canada or Mexico, it’s good to know that many don’t permit driving out of the country. In some cases, you may be restricted from driving in large cities or on gravel roads. If you’re planning to drop a rental car off at a different location, be sure to ask if there will be an extra charge. There are also restrictions on who does the driving and additional fees if one of the drivers is under 25. If someone who isn’t authorized to drive has an accident, the insurance may not cover the costs.

Check The Condition…Inside and Out

Inspect the exterior and interior prior to leaving the lot. It’s good to bring the agent along for the check, and the two of you should come to an agreement as to the car’s condition. Look for scratches, dents and chips on the outside and tears, stains and electric malfunctions on the interior. By the same token, you should avoid dropping off the vehicle without having it inspected. If both parties agree on its return condition, there won’t be any surprise problems down the road!

Follow these few simple tips, and you’ll avoid the most common rental problems!

Brian Schneider
abovethebarwithbrian@gmail.com
(614) 418-7574

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Car Maintenance: Tips for Good Car Health

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Day 286: "Checkup"
Basic car maintenance can feel like an overwhelming schedule of expensive trips to the mechanic if you don’t know much about cars. Which are required? And which ones are just suggestions? Even though it’s easy to ignore keeping up with regular care as long as the car seems to be in good health, it’s important to know how to care for your car so you can minimize the chance of an inconvenient breakdown.

These are a few basic (and inexpensive!) car maintenance routines that will save you headaches in the long run.

Read the Car Maintenance Section of the Owner’s Manual

car maintenanceAs I recently wrote, there are quite a few car myths that can cost you money unnecessarily. One way to know for sure how often specific check-ups are needed is by reading your owner’s manual. You carry it everywhere you go in your glove compartment, you might as well take a look at what it says about car maintenance! It’s probably not necessary to read the entire booklet, but there should be a maintenance schedule easily accessible in the front or back. At the very least, this table will tell you when to change the oil, replace belts and change the fluids. Tuck that information away somewhere handy, either in your home calendar or you can ask Siri to create a reminder on your phone!

Check the Fluids

Even if you don’t need to change the fluids entirely, you must make sure the car has enough to operate. Again, the owner’s manual will tell exactly where to check and how to know if your vehicle has enough oil, transmission fluid and brake fluid. Not having enough fluids can damage vital parts, and if the car is consistently low, it’s a sign there may be a leak. If this is the case for you, it may be worth it to get in the habit of checking the fluids every time you stop off at the gas station.

Rotate the Tires

car maintenanceLet’s say you have a gallon of milk in the refrigerator that is half full. You don’t want to run out and be forced to eat dry cereal, so you buy another gallon. Only instead of finishing the old gallon first, you start drinking from the new. Before you finish the newer one, the older jug goes bad, and you have to throw it out. You’ve now wasted half a gallon of milk–which is pretty expensive these days.

The same thing happens when you don’t rotate your tires. Front and rear tires wear at different rates and have different wear patterns. By practicing good car maintenance and rotating your tires, you increase their usefulness by making sure they wear more evenly. If you don’t, you’ll be buying a whole set of new tires when two still have plenty of tread remaining.

It’s a good idea to rotate your tires whenever you change the oil. Another good idea? Taking that opportunity to make sure your spare tire has enough air. The last thing you want is to get a flat tire and discover that your spare is flat as well!

Change the Wiper Blades

Checking your wiper blades regularly is a good idea, especially if you live in an area that receives a lot of rain or snow. If the blades aren’t able to easily clear slush and water, they may need to be replaced. Before heading off to the auto store, though, wipe the blade with a cloth and let it snap back to the window. This may fix the problem without replacing the entire blade! If not, wiper blades are generally inexpensive, and some auto stores will even install the blades you purchase from them for free.

Maintenance is important for all high-end equipment, but especially for an expensive purchase like a car. Do you have any suggestions for other basic car maintenance tips? Let us know in the comments!

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5 Car Myths That are Costing You Money

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The truth will set you free.

I’m sure you’ve heard this saying from a wise elder or two implying that falsehoods sometimes hold us hostage. This is especially true of the myths we think are facts just because enough people believe them.

Such is the case with some popular ideas about buying, driving and maintaining cars. Believing car myths can waste time and money, prevent you from buying the right vehicle and be more harmful to the environment. There are dozens of falsehoods out there, but here are my top five:

Warming Your Engine

Warming up Your CarIf you’re parking your ’83 Chevette outside during a North Dakota winter, you probably need to idle for several minutes before taking off. But newer vehicles warm up faster when driving than idling. In fact, letting your car run in the driveway means it will take longer to reach maximum fuel efficiency and performance, and that you’re wasting fuel! What should you avoid on a freezing morning? Revving the engine or flooring the gas petal until you’ve gone a few miles!

Buying Premium Gas and Fuel Additives
Commercials for gas retailers and fuel additives try to frighten owners into believing their tanks are loaded with dirt, gunk and debris left by unclean gasoline, but gasoline manufacturers are required by law to add detergents to prevent deposits and buildups. Using an aftermarket additive or buying a brand of gasoline because it is cleaner is the same as throwing extra money in the tank. In addition, premium gasoline will not provide better performance or prevent breakdown in most vehicles. Higher octane gas is designated for hotter running, high-compression engines. If you have a normal vehicle designed for 87-octane, buying premium gas will cost you more money with no impact. The only time you should use a higher octane is when your owner’s manual says the car needs it.

Changing the Oil Every 3,000 Miles

Pouring OilThis myth is so pervasive, it has it’s own Wikipedia page. Engine oil stops lubricating if it gets dirty, and older cars do let in more dirt and debris requiring more frequent oil changes. But today’s vehicles do not! In fact, under normal driving conditions, engine oil can last 7,500 miles and even up to 10,000 miles. While you aren’t doing any damage to your vehicle by changing oil every 3,000 miles, you are wasting money and harming the environment. Just be sure to check your owner’s manual for information specific to your car and your driving conditions!

Never Buying the First Year of a Model
You don’t see this one much anymore, but some buyers insist that the first year of a new model is a “guinea pig” year. Once the manufacturer works out all the bugs, they build a better model in subsequent years. While this may have been somewhat true in the old days, modern engineering and testing means new models are usually ready as soon as they come off the line.

Overinflating Your Tires

Tire Pressure

Many people make this mistake. The pounds-per-square-inch number indicated on the tire is simply the maximum pressure the tire can hold–not the ideal pressure for the vehicle. The manufacturer provides a recommended tire pressure for the best balance of braking, handling, comfort and fuel mileage that you should use for inflation. This number is usually found in the owner’s manual and on the vehicle doorjamb, gas tank door or in the glove box.

Now that you know the truth, feel free to change your oil less, fill up with low-octane gas and buy that cool, new model with no remorse.

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Researching Alternative Fuel Vehicles

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Electric Car - VoltWhether you’re trying to be kinder to Mother Nature or looking to save on the high price of gasoline, if you’re in the market for an alternative fuel vehicle, we have some tips! Auto manufacturers are unveiling more models each year that operate on power sources other than gasoline like traditional hybrids, plug-in hybrids, flex fuel vehicles and battery electric vehicles.

 

Vehicle Cost
Choosing which type of alternative fuel vehicle and model is best for you will depend on a number of factors, including the interior space you need, how much you drive and even which part of the country you live. Of course, most buyers will base their decision on one thing: cost.

But determining the best buy requires you to look at more than just the sticker price. Even with an eco-friendly car, you can’t base the decision solely on how much gas you will save. For example, you may instantly decide that never having to buy gasoline again warrants spending an extra $6,000 on an electric vehicle instead of a hybrid. But certain hybrids only use an average of $1,000 of fuel per year, according to fueleconomy.gov. That means buying the electric car only saves you $1,000 a year while costing $6,000 more up front. In that case, depending on gas prices, it may take six years to break even.

Total Cost of Ownership
As with any vehicle, you need to research an alternative fuel car’s total cost of ownership to determine the best buy. The total cost of ownership takes into account the initial price of the car plus taxes, registration, insurance, financing, fuel costs, maintenance and depreciation.

Alternative Fuel PriusAnd it’s important to not forget depreciation–the most overlooked aspect of figuring total cost of ownership. At some point, you will probably either sell your vehicle privately or trade it in at a dealership. The more your vehicle retains its value, the more of your original investment you recoup.

Electric Cars
For example, electric cars overall are the costliest types of non-traditional vehicles. Advocates point to the fact that they never require fuel, and with no internal combustion engine, there are fewer parts to break down meaning less maintenance and repair. Another benefit of electric cars is that many qualify for an initial $7,500 federal tax credit that can mitigate some of the depreciation loss. However, an analysis by Kelly Blue Book at the request of USA Today reveals that 2014 electric vehicles will only retain between 15 percent and 30 percent of their original list price in five years.

Hybrid Cars
Hybrids can also potentially be a losing proposition. An analysis of 2012 models done by automotive research firm Vincentric and published by Forbes showed that, on average, a hybrid car or truck went for $5,243 more than a gasoline-only equivalent but only saved owners $3,583 in fuel expenses. However, 11 of the 25 hybrids analyzed were better buys overall than gas equivalents.

No matter what type of car you plan on buying, always do plenty of research to make sure you’re getting the features you want!

Do you currently own an electric or hybrid car? If so, let us know you’re experience in the comments below!

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Want a Relaxing Vacation? Try a Rental Car

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9638435181_7e3e44c2b8_zIt’s the heart of family vacation season. Trips to national parks, amusement parks and beaches will take many families hundreds of miles from home this summer.

As you plan your summer getaway, you’re probably defaulting to driving your own vehicle to save money. But there are advantages to parking the family vehicle for the week and letting a clean, cozy, well-maintained rental car make the trip.

According to AAA, the total cost of driving a large sedan 15,000 miles a year costs 75 cents a mile including gas, maintenance, tires and depreciation. This means a 1,000-mile vacation may cost $750.

You’re probably assuming you’ll be spending the same on gas in your own vehicle as you would in a rental. But this is not always the case. If you’ve put on a significant number of miles, your vehicle has likely lost some of its fuel economy. It happens with age.

Rental cars are meticulously maintained meaning they should be achieving near maximum fuel efficiency. Can you honestly say that about your car that’s overdue for a tuneup and could use a little more air in the tires?

3377695418_58249dd56d_zConservatively speaking, a relatively new family vehicle should net 25 mpg while a moderately used model may only be getting 20 mpg. If you drive 1,000 miles in the rental, you’ll use 40 gallons of fuel while the latter vehicle will take 50 gallons of fuel. In this scenario, at $3.50 a gallon, (if you’re lucky!) you’ll spend an extra $35 driving an older vehicle.

Every car is different, so check your car’s manual to make sure you know when it needs an oil change and a tire rotation. Driving your own vehicle on a long-distance family vacation puts you that much closer to these milestones. In addition, those miles use up fluids and tire tread and wear down belts and hoses!

Every mile you put on your car also lowers its value. At some point, you’ll want to sell or trade it for a newer model, so keep the mileage low, especially if you are leasing, by taking someone else’s car on vacation.

Besides, you’re on vacation! Escape reality for a week and share new experiences with the family. You see new places, eat at restaurants you normally don’t and stay at a place where someone cleans up after you for a change. Why not make the journey just as thrilling as the destination?

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Mamas, Don’t Let Your Babies Drive the Wrong Car

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Teen with first car

For some parents, it’s the worst day ever. Your teenager somehow figured out a way to obtain a legal driver’s license, and your state is actually permitting them to operate a motor vehicle on the road with other drivers.

You can fight this by never letting your teenager drive, but, unfortunately, this will mean chauffeuring your son or daughter to school, athletic practices, dates, etc…. forever! And unless you want the inconvenience and anxiety of sharing your vehicle, you’ll probably have to give in and either buy or help your teen buy a car.

Teen DriverFinding the Perfect Car Balance
Finding the perfect car for a teenager is like trying to get a group of people to agree on pizza toppings. Your teen wants style and a great sound system. You’re more interested in cost and safety. Before buying that first car, do your research.

 

Some guidelines to choosing the best option include:

  • Check out the crash-test data. Safercar.gov, operated by the National Highway Traffic Safety Administration, has an easy-to-use database showing how different cars fared in crash tests.
  • Go with a midsize. Compacts may be better on gas mileage, but they also provide less protection in the event of an accident. At the same time, trucks and SUVs may be too difficult to handle for new drivers, and they are more prone to rollovers.
  • Four Cylinders rather than Six or Eight. Smaller engines will save on fuel and limit the speed your teen can drive. Pro Tip: Insurance rates are typically lower on four-cylinder engines!

Dad and teen with car

Used Car Danger
Parents may be tempted to purchase a 20-year-old beat up jalopy for their teenager to save on both the cost of the car and insurance. Plus, if you assume your inexperienced driver will likely run into a tree or scrape the side of the garage, it’s better to do it in something that’s seen better days.

I caution against this for a few reasons:

  • Reliability. The more miles on a car, the more it will cost to maintain. Any used car can break down, but an older model is more likely to leave your teen stranded somewhere.
  • Safety. Older models won’t include safety features that are now standard on all vehicles–including dual-side airbags and electric stability control. This latter feature is one I highly recommend making sure is available on your child’s first car. Stability control automatically engages the brake and throttle to help prevent a vehicle from spinning out of control in sudden and/or extreme maneuvers. These mistakes can be common with novice drivers more prone to panic in certain situations.

Enhanced Safety Features
MyKey DisplayIn the last several years, Ford has introduced its MyKey system. This is a special key used by a teen driver that parents program to limit the top speed the vehicle can travel when your child drives and sound alerts when seatbelts are unfastened.

Hyundai’s Blue Link system, available in most 2014 models, provides speed alerts and can track the vehicle’s location. It also sends text messages if the car is used outside of predetermined times.

If you can’t find or afford a vehicle with these features, don’t worry. If you have a smartphone or tablet, there are dozens of apps available that can block text messages while driving, alert you of speed and track movements. You can also monitor your child’s driving through a subscription to an Internet-based GPS tracking service. Features may vary, but these surveillance systems keep you updated on speed and location.

It’s scary letting your teen drive. And expensive. But making a prudent choice for your child’s first vehicle can take some of the worry and cost out of the transition into adulthood.

Click here to check out Enterprise’s current inventory of cars for sale

If you or anyone you know is looking to buy a used rental vehicle, email me at brianschneider9@yahoo.com or give me a call at (614) 418-7574!

Brian Schneider

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You Just Wrecked Your Rental Car. Now What?

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car accident

You and your family are on the way to Disneyland in your rented minivan when you, in your excitement, forget to yield and smash into an oncoming car. You’ve just wrecked your rental car.

Or while heading from the airport to your hotel to prepare for tomorrow’s presentation, you fail to notice the deer darting in front of your rented sedan. You’ve just wrecked your rental car.

Car accidents are never easy to deal with. When they occur in a rental vehicle far from home, they bring added chaos.

As with any accident, the first thing to do is make sure all parties involved are physically OK. As long as nobody needs medical attention, it’s then time to address your crunched up rental car and the other vehicle(s) involved.

As soon as possible, contact the rental car company and explain the situation, then ask how to proceed. How the process continues will depend on whether you purchased insurance or a collision damage waiver (CDW) from the rental company or opted to cover damages from your own personal policy.

Some rental insurance policies provide full coverage in any accident, meaning they would cover the damages of both the rental car and the one you hit if you were at fault. There might, however, be a deductible to pay. Furthermore, if the rental insurance includes or you purchased an additional collision damage waiver (CDW), you will not have to pay additional rental fees for the car.

If you opted not to purchase the additional rental insurance or CDW, the process after an accident will be a little more complicated.

As you would with an accident involving your own vehicle, you will want to contact your insurance company. Get a copy of the police report. If your policy includes collision and comprehensive, the insurer will cover damages minus your deductible. In the case of the rental car, the insurer will pay the rental car company, with the payments being subject to the terms of your insurance policy. This means that whether or not you were at fault, you must pay your deductible directly to the rental company, as the company is entitled to have the car fixed as soon as possible.

Restrictions on your personal policy can cause some additional headaches. If you don’t have rental coverage on your policy, you will owe the daily fee to the rental company as if you were still renting the car. So if it takes five days to repair the vehicle to get it back into service, you will owe five days of rental charges. Even if you do carry loss of use coverage in your policy, you’ll have to owe the difference to the rental company if the limit is below what the rental car would usually go for.

So while it may seem at the time of renting that paying for extra insurance is a waste, like all insurance it’s great to have in the rare occurrence that you actually need it.

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