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If you’ve been paying attention to the news over the last decade or so, you may have heard about changing fuel standards for vehicles. As a driver, this term can be a bit confusing as it isn’t really aimed at us at all. But if you’re out shopping for a new car (or eyeing great deals on used ones), fuel efficiency may well entice you to opt for one vehicle over another.

The ticket price, while important, is just one factor in the overall cost of owning a vehicle today. There are many other costs to consider, as well:

• Plates, stickers, registration and other fees (see below)
• Gas prices
• Auto insurance costs
• Loan terms
• Maintenance costs
• Projected repairs
• Unanticipated events (such as an accident)

It’s hard to anticipate how all of those costs will play out in the years ahead. But fuel standards have one side benefit: they can ultimately help you spend less on gas in the long haul.

What Are Fuel Standards for Vehicles in the U.S.?

The US has created and partially enforced fuel standards for vehicles for decades. The regulations are among the reasons that sport utility vehicles (SUVs) became commonplace. They are generally larger, heavier and higher off the ground than other cars. There’s a reason these vehicles are sometimes referred to as “trucks.” They were designed in part as a way to create a new category of vehicle and skirt fuel standards for traditional cars.

But as standards change over the years, they’re effectively forcing automakers to design cars that will accomplish new goals in fuel efficiency. Even light trucks are coming in electric and hybrid models, as well as more efficient designs overall.

Fuel Efficiency, SUVs, Climate Change and Environmental Concerns

Fuel efficiency became a more widespread concern as people began discussing climate change and the impact of emissions on the environment. That’s why you may have noticed our government getting involved and attempting to make standards tighter still. Rules and protecting what new cars and trucks must be able to achieve decades from now – even though the technology may not currently be able to achieve this mileage.

Of course, the rules are adjustable. They change with the times and act more as an incentive to automakers than anything else. But they also signal to the public that cultural standards are changing as our car-centric society evolves.

New Cars’ Miles Per Gallon Rising with Tighter Standards

How many miles per gallon do you get? In 1980 it was normal for a car to get just 20 miles per gallon. But as technology changes, cars are becoming more fuel efficient and are therefore able to travel farther on less gas. This helps cut down on the level of greenhouse gasses in the atmosphere, provided people aren’t driving more miles overall.

Your favorite gas guzzler may go off the market, but you can still drive it legally. And as for new models, standards are only an average. Those with 70 MPG will offset ones that operate on a much lower figure.

Rising Interest Rates on New and Used Car Loans

There’s another reason that better fuel efficiency might matter to people today. In the end, it helps cut down on the money folks spend to fuel up – leaving you with more dollars to help pay off your auto loan.

This matters more than ever, as a growing number of drivers are defaulting on new-car loans. The Wall Street Journal recently reported that the average interest rate on a loan for a new car is 9.5% – and over 13.7% for a used one. This is the highest rate the country has seen in years.

CFSC Auto Services Helps Drivers Take Care of Routine Auto-Related Needs

While a handful of states have passed their own stricter fuel standards, most of the Midwest has yet to catch up. But efficiency is often up to the buyer. What isn’t are a number of car-related tasks that can be accomplished by simply heading to a CFSC Auto Service near you:

1. Vehicle registration
2. License plate renewals
3. License plate transfers
4. Replacing stolen or lost stickers

When you stop by your nearest CFSC location, we will help you get these tasks taken care of quickly so you can get back to driving legally and safely. While you’re here, tend to important financial services like check cashing, money wiring and electronic bill payment. Check out CFSC Auto Services online to find out more!

Millions of people get in a car accident each year. While it’s not something anyone wants to think about, most drivers experience at least a minor incident at some point in their lifetime.

Accidents can be a highly stressful experience for a variety of reasons. Even if no one is injured, it can still be difficult to think calmly about the proper steps to take next. Therefore, it’s good to be familiar with what actions might follow in case you need this information someday.

What actions should you take if you have been in a car crash?

Taking a few minutes to review the Illinois State Bar Association website (or one pertaining to the state you live in) will cover the basics that every driver should know.

Generally speaking, someone who has been in any car accident involving damages – whether to property or a person – has a legal obligation to report the incident to the police. If there are multiple drivers, they should exchange their:

• Name
• Address
• Vehicle registration number

Get police and any necessary medical assistance ASAP.

Local police will want to know precisely what happened. A few things for drivers to remember:

1. Get the officer’s name.
2. Get their contact information.
3. Follow any instructions they give you.
4. Inquire about getting a copy of the police report.

Were there witnesses?

Even without injuries, people can be pretty shaken up after a fender bender, let alone something more serious. If possible, try to get the contact information of anyone who witnessed the accident. Their account of what happened might come in handy later on.

Contact your auto insurance provider.

Your auto insurance company will need to know about the accident in order to take the appropriate steps. Therefore, contact them when you are able. For more information on what may happen next, you can check out the “Conditions” or “Duties After Loss” section of your insurance policy. The Illinois Department of Insurance might have some answers to your questions posted online.

Should you give a statement to the insurer of the other driver?

This can get a little tricky. Whether you should give a statement to the other party’s insurance carrier depends on who you ask. You may want to first consult with a lawyer as well as your insurance provider if there is a request for a statement from you.

Legally, drivers must carry auto insurance in Illinois and elsewhere.

In Illinois and other states, the law dictates that vehicles must be registered and operated there to be covered by liability insurance. This type of insurance typically covers a range of expenses related to car accidents. It can cover different types of costs that may be incurred following an accident:

• Bodily injury coverage
• Property damage coverage
• Collision coverage
• Medical payments coverage

You may want to speak to an agent to get the right coverage for your family’s needs.

What actions might your insurance company take if a claim is filed against you?

What if a claim or lawsuit is brought against you due to a car crash you caused? An insurance policy’s liability coverage might do one of two things, depending on the situation. According to the Illinois Bar Association, the insurance company can typically pay for a lawyer to defend the insurance holder. Any property damage or injury to others caused by your actions as a driver should be covered up to the maximum policy limits. Extra coverage may also kick in.

If the other driver was at fault, you might be advised to file a claim against them.

What if the other driver’s insurance isn’t enough to compensate for your damages?

Sometimes the minimum uninsured motorist coverage isn’t enough to compensate for damages caused by a driver’s carelessness. If this is the case, your own insurance may kick in to cover the difference between the two policies.

Take care of routine car needs at CFSC Auto Services.

Hopefully you will never be involved in an accident. But should it happen, it can be a big relief knowing that you took care of routine auto-related tasks properly and promptly. At CFSC Auto Service throughout the Midwest, we will handle a number of these for you:

• Title and registration
• License plate renewals
• Replacing lost or stolen plates or stickers
• License plate transfers

When you stop by your nearest CFSC location, we can handle all of these tasks quickly and efficiently, as well assist with many other financial services – all under one roof! Check out CFSC Auto Services online to find out more!

Road trips are many people’s favorite way to explore new places and create memories that will last a lifetime. However, in order to make the most of your trip, it’s important to prepare properly and take necessary precautions to avoid any potential issues on the road.

With that in mind, CFSC Auto Services has some hot road tripping tips for all types of road tripping enthusiasts this summer.

What to Pack Before a Long Road Trip

First things first: packing is an important part of preparation. Don’t wait until the last minute! Well before leaving, start listing all the little things that you’ll need and may even help you out in a jam. Helpful items include:

• Cooler with water and snacks
• Charger or USB car adapter
• Sunblock and SPF Lip balm
• Something to read
• Important contact information
• Physical map and directions
• Blanket
• Jumper cables
• Spare tire or tire repair kit

Naturally, you’ll also want to make sure your finances are in order so you have enough cash for the road. Bringing a prepaid debit card is a great solution if you want to make sure you don’t overspend.

Give Your Car a Tune Up to Ensure it Is in Good Driving Condition

It’s vital to make sure your vehicle is in top condition before any road trip. Take your car to a trusted mechanic for a full checkup to ensure that everything is in working order and there are no potential issues that could arise during your trip. This will give you peace of mind and avoid any setbacks that could ruin your fun.

Smart routine maintenance before a long drive include:

• Checking all fluid levels
• Testing your battery
• Filling tires
• Checking tire treads and rotating or replacing if necessary
• Cleaning the engine

A tuneup may also alert you to something that needs to be repaired, so give yourself ample time to make that happen, as well.

Take Preventative Steps to Prevent Overheating

It’s also important to take steps to keep your car from overheating, especially during the scorching hot summer months. Make sure you have sufficient coolant levels and carry extra water and coolant with you just in case. Keep an eye on your car’s temperature gauge and pull over immediately if you notice any signs of overheating.

Park in the Shade When Possible and Protect Your Vehicle’s Interior

Keep in mind that the temperatures in a vehicle can soar well above 100 degrees on a sunny day. Too much heat will damage leather seats and age the interior. Whenever possible, avoid leaving your car in the sun for hours at a time. Crack open the windows and look for a nice, shady spot to park instead. A dashboard protector can also be a good way to shield the interior from the sun’s rays.

Plan Your Route in Advance

This may seem like a no brainer. But the advent of GPS has led some drivers to rely too heavily on internet services. Your phone or car’s navigation system could stop working for any number of reasons. At the very least, it’s a good idea to familiarize yourself with your game plan, even if you don’t remember the name of every road on your journey.

Schedule in Regular Breaks for Safety and Enjoyment

Finally, it’s important to take regular breaks during your trip to avoid fatigue and keep yourself and your passengers refreshed and energized. By planning your route ahead of time you can schedule breaks every few hours for folks to stretch their legs, grab a snack and take in the scenery. This will make your trip more enjoyable and allow your fellow travelers to fully appreciate the beauty of their surroundings.

Visit CFSC Auto Services for Title and Registration

Are your stickers and tags current? At CFSC Auto Services throughout the Midwest, anyone can stop by and take care of:

• Lost or stolen stickers
• Title transfers
• Registration
• Other auto and financial needs

By following these road tripping tips, you can ensure that your trip is a safe and enjoyable one. So pack your bags, hit the road and enjoy the journey!

Your nearby CFSC Auto Services can quickly handle routine auto service needs and financial tasks such as check cashing so you have enough cash in hand for your vacation. Stop by your nearest CFSC location or check us out online to find out what else we can do for you today.

For many folks, summer is the season for road trips and long drives. And there’s nothing quite like hitting the open road with the windows down and your favorite tunes playing.

Whether you’re heading to the beach, a national park, or just taking the occasional weekend getaway, it’s vital to be prepared for the heat and potential hazards of summer driving, as well. To help you stay safe and comfortable on the road, we’ve compiled out top summer driving tips everyone should know.

1. Check Your Tires

One of the most important parts of your car to keep an eye on in hotter months are your tires. High temperatures can cause the air in tires to expand, leading to overinflation and potential blowouts. Before hitting the road, check your tire pressure and tread depth to ensure they’re in good condition. The tread helps control your vehicle so that it can accelerate and stop properly. If they appear worn or damaged, consider replacing them before your trip.

2. Stay Hydrated

Driving in the heat can cause dehydration, which can lead to dizziness, fatigue, and other health issues. Make sure to bring plenty of water and stay hydrated throughout your trip. If you start to feel unwell, pull over and take a break until you’re ready to hit the road again.

3. Protect Your Skin – Even Inside Your Vehicle

The sun’s rays can be strong, burning your skin even with the windows up. On those long drives, be sure to protect your skin by wearing sunscreen and a hat while driving. You can also consider installing a window tint or sunshade to reduce glare and block UV rays.

4. Plan Your Route

GPS can fail. It’s always best to be familiar with your route before heading out.

Keep in mind that summer is also a popular time for road construction and congestion, especially in tourist areas. Plan your route ahead of time and check for any construction or traffic delays. Consider leaving early or late to avoid peak travel times.

5. Keep Your Car Cool

Driving in a hot car can be uncomfortable, distracting and even unhealthy. Keep your car cool by using the air conditioning, and crack open the windows when parking for long periods of time. It’s also beneficial to use a sunshade on your windshield and park in shaded areas whenever possible.

6. Renew Your License Plate if Necessary

Before leaving town, take care of routine tasks like renewing your license plates at a local CFSC Auto Services location. The last thing you want to deal with on vacation is getting pulled over and ticketed.

Requiring drivers to have updated plates helps the state keep track of vehicles and their ownership. Outdated plates are punishable by fines, so skipping this step is not worth the risk. If you’re unsure of how the process works, have a neighborhood service like CFSC Auto Services walk you through it.

7. Take Care of Auto and Financial Services at Your Local CFSC

With dozens of storefronts throughout the Midwest, CFSC Auto Services makes renewing your plates and other routine tasks easy. Our teams are equipped to handle the paperwork so you don’t have to, as well as answer your questions so that your family is ready to hit the road. Our services are available, convenient, and available to anyone who needs them.

While you’re here, get help with your other auto-related needs. From license plate renewals to getting your lost or stolen stickers replaced, we’ve got you covered. You can also:

1. Get help handling your title registration and transfer for your vehicle
2. Pick up your new plates
3. Avoid waiting in long lines at the DMV
4. Take care of check cashing and other financial tasks – all under one roof

By following the simple tips above, you can stay safe and comfortable while enjoying all that summer has to offer. Whether you’re heading to the beach or taking a scenic drive, make sure to prioritize safety and enjoy the journey!

Need help keeping your finances in order? We can also help you manage your finances, such as transfering funds whenever you need it. Our flexible schedule makes it easy to swing by at your convenience. Stop by your nearest CFSC Auto Services location to find out more!