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Towing a tiny house can be a daunting task. However, knowing what to expect in advance can make the process much easier. To help customers out, Foremost® a Farmers Insurance® company is providing information about tiny house towing. Of course, any guidance provided by one's trailer, hitch, and vehicle manufacturers should take priority.
Best vehicles for towing tiny houses. Choice of tow vehicle is one of the most important things to get right when towing a tiny house. If the vehicle couldn't handle the load, the situation would be over before it started. In most cases, it's best to use a truck. The chosen truck should be one that can handle the weight of the home. Typically, there is a sticker on the driver's side front door to find its towing capacity. If it's not there, a dealer or manufacturer can be contacted for assistance. Using a truck that can handle the weight of the tiny house, is a good start. If one is not available, consider renting one, and it may be helpful to confirm whether there'd be coverage. Hooking up a tiny house. According to Tiny Home Builders, when towing a tiny house, it is recommended that the trailer to be level to the ground. It will take a bit of manual work to determine the desired hitch height. The front jack on the trailer can be used to get it level. One can measure the height from the coupler to the ground. Experts recommend that hitch height be higher than this measurement. Patience will be needed to find the right height. The weight of the load will cause the springs of the tow vehicle to compress, so it may need a few adjustments to remain level. Once the desired hitch height is determined, either a ball mount with the correct drop, or an adjustable ball mount can be used, by simply changing the height. Checking the weight at the tongue of the trailer is a good idea. Tongue weight scales, which can cost $100 or more, are available for the task. The Tiny Life says that the ideal tongue weight is between 10-15% of the trailer's gross weight. If it's more or less than this, a weight distribution hitch may need to be used. Because most tiny homes are pretty heavy, it may be safer to use one. Connecting a trailer generally requires one to put the coupler in place and use a lock pin to keep it from disengaging. Then, the chains can be crossed in an 'X' form and attached to both sides of the tube receiver. Typically, the left chain crosses over and attaches to the right side of the tube receiver, with the right chain crossing over and attaching to the left side. Next, the wiring harness on the trailer is attached to the tow vehicle. The towing truck should have a compatible plug. If it doesn't, an adapter may be available. For example, if the truck has a four-pin connecter and needs a seven-pin connecter, a seven-pin adapter may be able to be used. Trailers with electric brakes should have a breakaway kit with instructions on how to attach the kit to the trailer. Pre-tow checklist. Before towing a tiny house, the tires on the truck and the trailer should be checked to be sure they're properly inflated, and all lug nuts are tight. Additionally, there should be no wear and tear, such as worn tread. If the tread is low, the tires may need replacement before towing. All external lights on the vehicle and trailer should be working as intended. The battery for any breakaway kit should be fully charged. Lastly, the gas tank should be filled before hitting the road and the spare tire available and properly inflated. To prepare the tiny house for the journey, the windows and vents should be closed. All doors and countertops should be clear. The refrigerator should be latched, and utilities should be disconnected. Lastly, jacks should be up or removed, storage compartments should be secure, wheel chocks should be removed, and doors should be locked. Towing the tiny house. While towing a tiny house, the added length and height to the vehicle needs to be considered. Drivers need to pay close attention to any overpasses and be careful when turning or changing lanes. Drivers need to start breaking earlier than usual, since the added weight will make it harder for the vehicle and home to stop. When moving in reverse, it should be remembered that the trailer will move in the opposite direction that the wheel is turned. So, if one's wheel is turned to the right, the trailer would move to the left. Lastly, drivers should appreciate that stopping for gas may need to occur more frequently, as the added weight will cause the vehicle to consume gas faster. It may feel like an intimidating process, but with planning and prep, you can work towards a safe and smooth towing process. Safe travels and good luck with your move! If you need insurance for your tiny house (or the trailer and/or vehicle you're towing it with), you can get quote from Foremost, a Farmers Insurance® company today!
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Did you learn how to get better gas mileage in your driver's education classes? If it's been a few years since you earned your driver's license, you may not remember what they taught you or if they even covered the topic of getting better gas mileage. When headlines report "record high gas prices," nearly everyone wants to know how to improve fuel economy. If a commute to work or school is a requirement in your life and you want to stretch those precious gallons of gas each week, the tips we've gathered below may be helpful.
Let's start with the basics first. What is gas mileage or fuel economy? The National Highway and Transportation Safety Administration (NHTSA) sets the Corporate Average Fuel Economy (CAFE) standard for auto manufacturers, regulating how far vehicles must travel on a gallon of fuel. CAFE standards apply to passenger vehicles and light trucks (collectively, light-duty vehicles). Current standards are 28 miles per gallon. In April 2022, new CAFE standards were announced that will require new 2024-2026 vehicles sold in the United States to average at least 40 miles per gallon. The NHTSA along with the Environmental Protection Agency (EPA) also regulate the fuel-economy window stickers on new vehicles that tell consumers how many miles per gallon the vehicle will get under general driving conditions. Now that we've covered the basics, let's get to the ways you can improve gas mileage for your vehicle. Drive the speed limit. Speeding can lower a vehicle's overall fuel efficiency. According to fueleconomy.gov, gas mileage usually decreases at speeds above 50 mph. Now, that doesn't mean drive below posted speed limits, which can be unsafe. Be aware that vehicles will likely consume more fuel at higher rates of speed. Mind the brakes and accelerator. Habitual aggressive driving - putting the pedal to the metal and then braking quickly to slow down - can also contribute to lower fuel economy. Avoiding this type of driving can help improve average gas mileage between 15% and 30%. Use the cruise control. This might be a no-brainer, but using a vehicle's cruise control function, on the highway when traffic allows, helps maintain a constant speed, helping drivers achieve the first two tips we covered and, in most cases, will improve fuel efficiency. Mind the vehicle's cargo limitations. If you're driving a truck and wondering how to improve your truck's gas mileage this tip is especially important. Each vehicle's manual includes the load carrying capacity for the vehicle itself and for towing, if applicable. This includes carrying things on top of the vehicle in any type of roof-top carrier, including cargo boxes, bikes and kayaks. Check your manual to be sure anything you carry is within the stated limits and realize that when you are carrying or towing more people or gear than normal, your gas mileage may decrease. For fuel efficiency, it's a good practice to not haul extra weight if the items are not needed on a regular basis. Maintain the vehicle's tires. Underinflated tires can decrease overall gas milage by about .2% for every 1 psi drop in the average tire pressure of all the tires. Checking tire pressure regularly and making sure they are inflated to the vehicle's indicated tire pressure can help. Your car's owner's manual should include this information if you are unsure. Maintain the vehicle. If a car's engine is not running properly, there's a good chance that it is not using fuel efficiently. It's a good idea to pay attention to the dashboard indicator lights, get routine maintenance and oil changes at the indicated mileage intervals, and have the vehicle inspected by a licensed mechanic to address any issues. Consider a newer car. As mentioned earlier in this article, auto manufacturers must adhere to CAFE standards for the vehicles they sell in the US. The average fuel efficiency has increased over the years, so it follows that on average a newer vehicle should get better mileage than an older vehicle manufactured when the CAFE standards were lower. Keep in mind though, that the type of vehicle you choose also factors into the overall gas mileage. A smaller compact car and a large SUV manufactured in the same year may adhere to that year's CAFE standard, but the smaller car will most likely get better gas mileage than the large SUV. Make sure you do your research when you purchase a new or new-to-you pre-owned car, so you understand the fuel efficiency of the vehicle you choose. Go electric or hybrid. This may not be the tip you're looking for, but if you're in the market for a new vehicle anyway, choosing a vehicle that runs on a combination of gas and electric or solely on electric can also help you cut your overall gas consumption. If you go electric, you'll want to be conscious of the vehicle's electric battery consumption. Many of the same tips we've already covered here like following the speed limit and maintaining the vehicle and its tires can also help an electric vehicle's charge last longer. If you end up changing vehicles in a quest to improve your gas mileage and have questions about insuring your car, speak with a Foremost® agent to shop for auto insurance coverage. Content courtesy of foremost.com When it comes to protecting your home and belongings, understanding your insurance options is crucial. Two common types of coverage are replacement cost value (RCV) and actual cash value (ACV).
To help clarify your options, we've prepared an overview of these coverages. Swipe through to learn more. Contact us today to discuss your coverage needs and find the best solution for your peace of mind. A fresh, new year always serves as an opportune time to review your auto insurance policy and ensure it’s up to date. 🚗
With this in mind, we have put together an overview of how your policy can protect you against unpredictable winter driving conditions. Have questions or want to review your coverage? Let us know! Restoring a classic car can be a tall task. Whether your beloved classic car has withered over the years, or you've just bought a basket case as a passion project, there's a lot that goes into getting it back in pristine condition.
But the following tips can help your classic car restoration DIY project go smoothly and help make all the work worth it!
content courtesy of Foremost Insurance.
College is expensive enough without finding out too late that an accident or theft isn’t covered under your current policies. So, as you get your children ready to head off to school in the fall, there’s one vital “to-do” to add to your list (other than writing that tuition check): a review of your insurance coverage. It's important to keep in mind that policy language varies from state to state, and there are never "one-size-fits-all" situations, but below is a general guide. If you have questions, or want to go over your insurance needs, don’t hesitate to contact us! HOMEOWNERS (may vary by state and individual policy)
AUTO (may vary by state)
Going away to school is an exciting time for both students and their parents. Making sure you’ve got the right insurance coverage can help you protect your assets as you invest in your child’s future. We’re happy to discuss your coverage and options — just give us a call at First Community Financial Group or stop by and see us! When it comes to towing trailers, whether for work or recreational purposes, having the right trailer hitch is crucial for ensuring safety and efficiency. Trailer hitches are devices that enable a vehicle to tow another by providing a secure connection between the two. There are various types of trailer hitches available, each designed to suit different towing needs. In this guide, we'll delve into the world of trailer hitches, discussing the various types, their classifications and some things to know to help you choose the right one for your specific requirements.
What types of trailer hitches are there?Trailer hitches generally come in three basic styles: receiver, fifth-wheel and gooseneck. It's said that receiver hitches are the most common, and they're broken up into five classes. What are the classes of trailer hitches?Some experts in the field explain the five classes as follows:
Will my car insurance cover my trailer? There is no one-size-fits-all answer to that question. If you want to make sure you are financially protecting your vehicle, trailer and belongings, it may be best to speak with a licensed agent who knows the ins and outs of insurance. And if you don't know where to look to find reputable agents, consider searching through our agent locator tool. This tool gives you the option to enter your ZIP Code and find insurance agents near you. And the best thing is, if you have other toys that you tow like a boat, motorcycle or even an ATV, they can help you find coverage for those too! Content courtesy of Foremost Insurance Company. Parking lots in Texas– we love the convenience but hate the frustrations, especially when people are driving too fast, backing out of spots without looking and otherwise modeling bad parking lot behavior.
That behavior just so happens to be the cause of many a door ding and irritated driver. Even worse, careless behavior can cause a collision or injury. So, let’s all slow down and follow these five tips to make parking lots safer for everyone:
Remember, when you’re watching for dangers, you have a better chance of avoiding them. If an incident does occur, we here at First Community Financial Group are ready to help. Content provided by Safeco and Liberty Mutual Insurance Whether you were caught speeding (or worse) or you simply want to be a better driver, there are a wide range of defensive driving and driver improvement courses available in Texas these days.
But which is right for you? Here are five tips to help you decide: 1. Check with your state or municipality. If you’re taking training to avoid a traffic infraction, not just any course will do. You’ll need to take an approved course – ask for a list before signing up. 2. Check with your insurer. The same goes if you’d like to potentially save on your car insurance. Your carrier may only offer a car insurance discount for completing certain courses. Also ask how much your discount will be — this will help when it comes time to choose a course. 3. Choose the type of course. There are online and classroom options, typically ranging from 4-12 hours depending on the course material. And there are advantages to each. Online courses offer convenience (and sometimes a lower cost), while in-person settings can provide more interaction. 4. Determine how much you want to spend. If you’re trying to avoid a ticket (and a potential increase in your insurance premiums), the cost might not be much of an issue. If you’re taking a course to receive an insurance discount, however, make sure the total discount you’ll receive is greater than the cost of the course. 5. Check out the reviews. Online review sites, such as Yelp, can show you what others thought of a course. Keep in mind, people who felt “forced” to take a course might have a biased opinion, especially compared to someone who took the course willingly. No matter why you’re considering a defensive driving course, we’re happy to help you weigh the pros and cons. The biggest pro being, once you complete your training, you’re likely to be a little more careful the next time you get behind the wheel. And, that always pays off! |
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