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Stay on top of your car maintenance to avoid problems down the road. This infographic shows you the areas you need to focus on.

Click on the picture to read more:

When it comes to car insurance:

There are a number of ways to reduce your premium. And in today’s tough economic times, every little bit helps.

Asking your local independent agent the right questions can mean big savings. Leading car insurer Progressive recommends asking these five questions:

Can I save by shopping around? Car insurance rates can vary by hundreds of dollars between carriers, so check the rates of several companies to make sure you’re getting the best deal. Last year, people who switched to Progressive and saved reported saving an average of $550 on their annual premium. And because an independent agent represents several companies, he or she can quickly and easily compare rates for you.

Am I carrying the right amount of coverage? Owners of older or inexpensive cars could consider dropping Comprehensive and Collision coverages. Doing that can save hundreds of dollars each year.

Is my policy up to date? If you’ve moved, gotten married, or bought a home, check with your agent – you may be eligible for lower rates.

Should I raise my deductible? According to the Insurance Information Institute, raising your deductibles to $500 could reduce your Collision and Comprehensive costs by 15 to 30 percent.

Do I qualify for any discounts? Ask your agent if your carrier offers reduced premiums for certain car features like anti-lock brakes. You might also be eligible for discounts if you pay in full, own a home, are a loyal customer, have no recent tickets or accidents, sign up for paperless billing, list another car on your policy, and more.

To learn more about car insurance, talk to your independent insurance agent.

While our winters are not as long and cold as up north, we still need to take car of our cars and get them ready in time for summer season.

See a useful list check list to know what specifically to look for from checking the tire pressure, testing your battery, checking coolant to attending to windshield wipers and fluids.

Also, before you go on a road trip and as good practice before summer check your insurance policy and see if any changes need to be made.

Call your trusted South Daytona-Port Orange-Daytona Beach insurance agent at Sherzer Insurance at 386.788.3500