Top Three Reasons Why People Buy Life Insurance

Before you get life insurance coverage, you should understand why you need it. While there are many reasons to buy life insurance, the most common reasons include:

  1. Final expenses: Final expenses refer to any expenses related to someone’s passing. This can include a casket, funeral, preparations, memorial service, cremation and more. Life insurance for final expenses is worth considering—after all, the National Funeral Directors Association reports that the median price of a funeral with a casket is around $7,850. Families without enough funds are forced to cut back on the service or ask friends and family for donations. Some families have turned to crowdfunding to help cover the cost. A modest term life insurance policy can unburden your loved ones by taking care of these expenses.

  2. Income replacement: Your loved ones depend on your income to meet daily needs for food, medical care, utilities, car payments and much more. There are also future costs like a child’s college education or contributions you would have made toward a surviving spouse’s retirement. If you pass away without a means for replacing your income, their standard of living could be in serious jeopardy. Having a life insurance policy in place can help provide financial security and the ability to maintain your current lifestyle (especially if you stay home with young children). How much life insurance you need is based on two factors: your salary and the number of years until you retire. An insurance agent will also account for any other factors such as Social Security benefits, your partner’s income, your debt and your savings. Always aim to buy the amount you really need—but also remember that something is better than nothing when it comes to life insurance coverage. (Spoiler alert: it’s more affordable than you may think!)

  3. Paying off a mortgage: A mortgage is often the biggest single line item in a person’s budget. Could your family afford your home’s mortgage without your paycheck in the picture? If not, an already sad situation would be compounded by the family possibly losing the house they love. This could also mean your children could no longer attend a school in their current district or maintain the friendships they currently have. Life insurance can pay off an outstanding mortgage so your family can enjoy the home they love without the burden of outstanding payments.

How Cold Weather Affects Tire Pressure

From corrosive road salt to black ice formed, winter creates plenty of challenges for drivers. Here’s another one to add to the list: Tire pressure dips caused by lower temperatures.

Making sure your tires are properly inflated is an important part of getting the best performance out of your vehicle – especially during the winter months. Because after all, your tires represent the only point of contact between your vehicle and the road ahead.

To keep your car rolling smoothly all year long, here’s everything you need to know about caring for your tires.

How to Get Better Gas Mileage (And Other Questions About Fuel Economy) by Becky Badar on March 10, 2022

If you’re looking for ways to tighten your monthly budget, there’s an unexpected place you can look: Your garage.

No, we’re not telling you to sell your car (although that’s certainly an option). Rather, it’s time to take a closer look at the way you drive and take care of your vehicle. As gas prices climb, both of these habits can make a bigger impact on your wallet than you think.

And if you’re looking for affordable car insurance, we can help with that, too.

WHAT IS GAS MILEAGE?

Gas mileage (also known as miles per gallon or MPG) is measured by calculating the number of miles that a vehicle can travel using a single gallon of fuel. Fuel economy is another term that’s commonly used. It’s often referred to in relation to improving fuel efficiency — which means using less gas when you drive.

HOW CAN I FIGURE OUT MY VEHICLE'S MPG?

Since 1977, auto manufacturers have been required to publish some form of miles per gallon metric on new car labels. For modern vehicles, this includes ratings for city, highway and combined MPG values.

In general, vehicles tout better gas mileage during highway driving rather than city (i.e. stop and start) driving. But the combined MPG rating, which represents 55% city driving and 45% highway driving, provides a quick and easy way to compare the fuel efficiency of gasoline vehicles — which is especially helpful if you’re shopping for a new car. You can find these values for your current vehicle through a quick internet search.

If you want to measure the real-world gas mileage of your car, it’s easier than you might think. Follow the steps below from the U.S. Department of Energy’s Office of Energy Efficiency & Renewable Energy:

  • Step 1: Top off your tank. Fill your tank all the way up, then record the current mileage from your odometer (or set your odometer’s trip meter).

  • Step 2 : Run it out, then record your numbers again. Once it’s time to fill up again, record the new odometer reading as well as the number of gallons it took to refuel.

  • Step 3: Subtract your readings. If you used the trip meter, you can skip this step. If not, put those elementary math skills to use and subtract your first odometer reading from your second to see how many miles you traveled on one tank.

  • Step 4: Do a little division to determine your MPG. Take your figure from step three and divide the number of miles you drove by the number of gallons it took to fill your tank. Your final number is your MPG for that driving period.

WHAT'S CONSIDERED "GOOD" GAS MILEAGE?

Getting good gas mileage means that you can travel further using less gas.

As a general guide, the U.S. Environmental Protection Agency has designed a fuel economy rating that evaluates vehicles on a scale of 1 (worst) to 10 (best). These numbers can also be found on new car labels. For the 2020 model year, vehicles earning a 1 rating return an MPG of 14 or less, while a score of 10 requires 44 or more MPG.

But there are a lot of other variables that factor into this ‒ from the type of vehicle you drive to the way you drive it. And all of these can add up when it comes to how much you end up spending on gas.

WHAT CAUSES POOR GAS MILEAGE?

Regardless of what kind of vehicle you drive, all of these factors can negatively impact gas mileage:

  • Speed: The faster you drive, the more fuel your vehicle burns up. This includes how fast you accelerate, too.

  • Idling: Keeping your car on for it to warm up or cool down, queuing up at a drive-thru or waiting to pick your kid up from soccer practice can all decrease your vehicle’s fuel economy.

  • Aerodynamic drag and excess weight: Driving too fast or traveling with a rooftop cargo carrier? These can increase wind resistance, which causes your vehicle to use more gas. And towing any kind of trailer or hauling too much in your trunk, bed or back seat also requires more fuel.

  • Poor maintenance: From underinflated tires to an unattended engine issue, failure to consistently “tune up” your vehicle can cost you a lot more at the pump. It also can create potential safety risks.

  • Quick trips: A quick run to the supermarket on Monday. Stopping by the bank on Wednesday. While it may be convenient to run these errands one at a time, it can wreak havoc on your fuel economy. Quick, short trips like this from a “cold start” eat up fuel, because your engine needs to warm up before it can run efficiently.

HOW CAN I IMPROVE MY GAS MILEAGE?

The U.S. Department of Energy’s Office of Energy Efficiency & Renewable Energy and Consumer Reports offer several ways that you can improve your MPG:

  • Drive more efficiently.

    • Follow the speed limit, and drive sensibly ‒ not aggressively (e.g. quick accelerations, hard stops, etc.).

    • On the highway, don’t speed up and slow down (unless you need to for safety). Once you get up to speed, stay there. Use cruise control when possible.

    • Remove unnecessary extra weight, avoid idling and take the cargo box off the roof of your vehicle (unless you really need to use it) to help even more.

  • Keep your car in shape.

  • Plan and combine trips.

    • Spend less time sitting in traffic by avoiding rush hour on daily commutes.

    • Run all your errands on one day rather than taking multiple short trips during the week.

    • If you have an especially long commute, ask your employer if you can work from home a day or two per week.

  • Opt for a more fuel-efficient vehicle.

    • If your budget allows it, consider purchasing a vehicle that touts better MPG than your current one. With fuel prices rising, you could save hundreds of dollars in fuel costs per year switching from a vehicle with 20 MPG to 30 MPG. Check out the fuel savings calculator on fueleconomy.gov.

Weird Life Insurance Questions You Were Too Afraid to Ask

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Life insurance, by its very nature, is deeply personal. It transforms the vulnerable into the secure.

It can also leave you wondering – how does that all work, anyway?

Keep reading for answers to a few curious questions you’ve probably wondered about life insurance… but were too afraid to ask.

Q: I HAVE A DANGEROUS HOBBY. CAN I STILL GET LIFE INSURANCE?

A: In many cases, yes – but expect to answer some questions and (probably) pay a little extra to account for the additional risk. 

Before giving you a quote, your local insurance agent may ask you to fill out a written questionnaire to understand more about your hobby.  At ERIE, that includes hobbies such as: 

  • Rock climbing

  • Vehicle racing (stock cars, drag racing, motorcycles, etc.)

  • Aviation

  • Sky diving

  • Scuba diving

The questionnaire will ask you some basic information to understand your hobby. This could include:

  • How long you’ve been doing this hobby

  • How frequently you participate

  • Any training, education or certifications you’ve received

  • If you ever get paid or hired for your hobby (as opposed to just doing it for fun)

  • Future goals or plans for your hobby

It’s important to be honest when filling out your questionnaire. If you fudge the details in an attempt to seem less risky… that could be grounds for denying a claim later on. Your completed questionnaire is sent to the life insurance underwriter, who determines the scope of the risk – and ultimately helps calculate the rate you’ll pay. 

For example: Let’s say you’re into rock climbing. Does that mean you climb indoors with friends once in a while at the local gym? Or are you planning a trip to the Himalayas to go ice climbing alone? Similarly, if you have a private pilot license – are you taking occasional short trips for business? Or are you regularly stunt flying in air shows on the weekends? 

You get the idea… it’s all about calculating that risk. 

Q: IF I QUIT SMOKING, CAN I GET RE-RATED TO SAVE MONEY ON LIFE INSURANCE? 

A: First things first: Good for you!

As for your life insurance: Generally speaking, yes – you can ask your local agent to get your existing policy re-rated.  Before you do, though, you’ll likely have to show some stability in those lifestyle changes for a year or two to prove that you’re in this for the long haul. 

What happens next may differ, depending on the circumstances. (Your agent can explain the specifics as they pertain to you.) 

If you quit smoking because you’re just ready to live a healthier lifestyle – great! With no complications, you could get bumped from the “smoker “to the “nonsmoker” rate classification (and likely save some money in the process). 

But, if you quit for a medical reason – such as a diagnosis of COPD or lung cancer – that’s a health concern that could impact the cost savings you’d otherwise see from quitting smoking. Your agent will ask you to fill out a questionnaire to get the specifics on why and how you quit. 

Q: WHAT IF I LOSE 50 POUNDS? COULD I GET RE-RATED THEN? 

Similar to the smoking example above, expect some follow-up questions about your weight loss. For example: “How and why did you lose the weight?” There are risks that come with weight loss surgeries, such as gastric bypass or lap band surgeries. Similarly, if you dropped a bunch of weight without even trying to… that could be the sign of a worrisome chronic illness or depression. If you start or stop taking certain medications because of your weight loss, that could also affect your rate. 

If your weight loss is the product of good ol’ fashioned discipline, diet and exercise: Once you show you can keep it off (and provide any necessary test results and information), you could get bumped to a more favorable rate class. 

Remember, insurance rates are all about data and probability. When it comes to weight loss, most carriers will add at least 50% of the weight back when they calculate your new rate. Why? Statistically speaking, if you drop a bunch of weight, studies show you’re likely to gain at least some of it back

Ask your ERIE agent about re-rating your policy if or when your circumstances change. 

TALK TO A LOCAL ERIE AGENT FOR A LIFE INSURANCE QUOTE

Have a weird or embarrassing insurance question? Don’t be shy: Our local agents are licensed professionals – they’re not here to judge.

Weird Life Insurance Questions You Were Too Afraid to Ask

Life insurance, by its very nature, is deeply personal. It transforms the vulnerable into the secure.

It can also leave you wondering – how does that all work, anyway?

Keep reading for answers to a few curious questions you’ve probably wondered about life insurance… but were too afraid to ask.

Q: I HAVE A DANGEROUS HOBBY. CAN I STILL GET LIFE INSURANCE?

A: In many cases, yes – but expect to answer some questions and (probably) pay a little extra to account for the additional risk. 

Before giving you a quote, your local insurance agent may ask you to fill out a written questionnaire to understand more about your hobby.  At ERIE, that includes hobbies such as: 

  • Rock climbing

  • Vehicle racing (stock cars, drag racing, motorcycles, etc.)

  • Aviation

  • Sky diving

  • Scuba diving

The questionnaire will ask you some basic information to understand your hobby. This could include:

  • How long you’ve been doing this hobby

  • How frequently you participate

  • Any training, education or certifications you’ve received

  • If you ever get paid or hired for your hobby (as opposed to just doing it for fun)

  • Future goals or plans for your hobby

It’s important to be honest when filling out your questionnaire. If you fudge the details in an attempt to seem less risky… that could be grounds for denying a claim later on. Your completed questionnaire is sent to the life insurance underwriter, who determines the scope of the risk – and ultimately helps calculate the rate you’ll pay. 

For example: Let’s say you’re into rock climbing. Does that mean you climb indoors with friends once in a while at the local gym? Or are you planning a trip to the Himalayas to go ice climbing alone? Similarly, if you have a private pilot license – are you taking occasional short trips for business? Or are you regularly stunt flying in air shows on the weekends? 

You get the idea… it’s all about calculating that risk. 

Q: IF I QUIT SMOKING, CAN I GET RE-RATED TO SAVE MONEY ON LIFE INSURANCE? 

A: First things first: Good for you!

As for your life insurance: Generally speaking, yes – you can ask your local agent to get your existing policy re-rated.  Before you do, though, you’ll likely have to show some stability in those lifestyle changes for a year or two to prove that you’re in this for the long haul. 

What happens next may differ, depending on the circumstances. (Your agent can explain the specifics as they pertain to you.) 

If you quit smoking because you’re just ready to live a healthier lifestyle – great! With no complications, you could get bumped from the “smoker “to the “nonsmoker” rate classification (and likely save some money in the process). 

But, if you quit for a medical reason – such as a diagnosis of COPD or lung cancer – that’s a health concern that could impact the cost savings you’d otherwise see from quitting smoking. Your agent will ask you to fill out a questionnaire to get the specifics on why and how you quit. 

Q: WHAT IF I LOSE 50 POUNDS? COULD I GET RE-RATED THEN? 

Similar to the smoking example above, expect some follow-up questions about your weight loss. For example: “How and why did you lose the weight?” There are risks that come with weight loss surgeries, such as gastric bypass or lap band surgeries. Similarly, if you dropped a bunch of weight without even trying to… that could be the sign of a worrisome chronic illness or depression. If you start or stop taking certain medications because of your weight loss, that could also affect your rate. 

If your weight loss is the product of good ol’ fashioned discipline, diet and exercise: Once you show you can keep it off (and provide any necessary test results and information), you could get bumped to a more favorable rate class. 

Remember, insurance rates are all about data and probability. When it comes to weight loss, most carriers will add at least 50% of the weight back when they calculate your new rate. Why? Statistically speaking, if you drop a bunch of weight, studies show you’re likely to gain at least some of it back

Ask your ERIE agent about re-rating your policy if or when your circumstances change. 

TALK TO A LOCAL ERIE AGENT FOR A LIFE INSURANCE QUOTE

Have a weird or embarrassing insurance question? Don’t be shy: Our local agents are licensed professionals – they’re not here to judge.

Top 4 Fall Driving Hazards (And How to Handle Them)

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The start of fall brings a lot of welcome things: a new school year, cooler temps and changing leaves. 

You may not notice it right away, but your daily commute is affected by the shorter days and changing weather, too. (For example: Did you know wet leaves can be as slippery as ice?) 

Stay alert this fall. Here are the top things to look out for when you’re on the road:
 

1. Rain and wet leaves
As the weather cools down, the rain picks up. Combine that with lower temperatures and you’ll find your tires may have less grip than they did in the summer months.

To start, always drive cautiously in wet conditions – that includes driving slower than you would on a dry road. And be on the lookout for wet leaves, which can be as slick as ice.

It’s also important to check your tires to ensure they have enough tread. Insert a penny into your tread with Abraham Lincoln’s head upside down and facing you. If you insert the penny all the way and all of Lincoln’s head is still showing, that means your tread has worn down and it’s time for new tires.

Driving too fast for the conditions or cruising on worn tires can lead to hydroplaning. So it’s important to know what to do if you start hydroplaning: take your foot off the gas, firmly grip the steering wheel and calmly make steering adjustments. 

2. Deer collisions
Deer are most active from October to January, especially during the dusk and dawn hours. If you’ve ever seen the aftermath of a deer collision, you know it can do severe damage to your vehicle.

Avoid deer on the roadways by slowing down during peak hours, paying attention to road signs and using your high beams to increase visibility when possible. Learn more about how to avoid hitting a deer…and what to do if you hit one.

3. Earlier sunsets
The days get shorter in the fall, so you’ll find yourself driving in the dark more often. This is another peak time for accidents.

Make sure you’re staying alert during nighttime hours. Be on the lookout for pedestrians and turn your headlights on during dawn or dusk hours. Keep a safe distance from other vehicles and know when to swerve if there’s an object in the road.

4. School children
The kids are back to school. The house is quieter. But if you drive just before the school day starts or after it ends…you’re in for lots of crosswalks and bus stops. Welcome to back-to-school driving.

Since more kids are walking and biking to school, you’ll need to stay alert around schools and neighborhoods. Be aware of bus safety and school drop-off procedures as well. And if you’d like to avoid the risk altogether, consider finding a new route to avoid these high-traffic areas.

It’s always important to be prepared. But even the most cautious drivers can find themselves face-to-face with something unexpected. That’s why it’s important to have the right auto insurance.

Contact a local ERIE agent for a personal, fair and affordable insurance experience. They’ll help you review your current coverage and prepare for the road ahead, no

matter the season.

The "Smart" Way to Ensure Fire Safety

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The mantra of “stop, drop, and roll” is a familiar drill and phrase we repeat as children, but we rarely talk about it or practice it in adulthood. And while children may learn about fire evacuation plans at school, grown-ups might not remember to actually put them into action. With an average of 358,500 house fires per year, fire safety is something everyone should think about—and often.

Home automation devices offer the technology to help safeguard your home against fires. Here's what you can do to stay protected the “smart” way.

Invest in a Monitored Smoke Alarm
Many home security systems offer monitoring services. This means the system is linked to a central monitoring station that receives an alert when a security alarm is triggered and can notify authorities on your behalf. This type of home security system is widely regarded as the safest and smartest choice, but it doesn't have to stop at security.

Many of today’s home security systems allow you to purchase monitored smoke and fire alarms as well. If smoke is sensed an alert will trigger prompting the monitoring station to reach out to the fire department and let them know an alarm is going off in your home. These systems can be set up and managed by your internet service provider.

Utilize Sirens
The telltale chirp of a smoke alarm is a sound everyone is familiar with, especially when the battery is getting low. It may be hard to imagine anyone sleeping through the sound, but why take that chance? Home security systems usually have a siren that sounds at 90 decibels or above, and by linking these sirens to your smoke alarms through home automation systems, you can double up on the alerts.

A good way to utilize these additional sirens is to place one in each bedroom. Even the heaviest sleeper will be jolted awake by the volume.

Let Smart Devices Minimize Risk
Cooking accidents are the leading cause of house fires across the country. While some of these infernos are no doubt the result of grease fires and other cooking mishaps, a concerning number of them are caused by people leaving the oven or other appliances on and forgetting to turn them off. There are a several smart ovens on the market that will regulate their temperature and turn off automatically after a few minutes of inactivity.

However, these smart ovens carry a high price tag. A more budget-friendly option is to invest in a smart outlet plug for your appliances and a motion sensor, and then use a system like If This, Then That (IFTTT) to set up a series of commands. For example, if no motion is detected in the room for a certain amount of time, it will turn off power to the appliance.

There are also smart sensors that can detect sudden, rapid changes in temperature that might indicate a fire. These sensors can be added in conjunction with the rest of these methods to automatically detect potential fires and cut off the appliance in question.

Upgrade Your Smoke Detector
Everyone is familiar with the circular-shaped traditional smoke detectors, but if you want an option with slightly more usability, consider a product like the Nest Protect. Smart detectors offer several advantages over traditional detectors. The first is that it won't give off the annoying chirp when the battery gets low; instead, you'll receive a notification on your phone letting you know it’s time to replace the battery.

Another advantage of these devices is that they can send you a push notification anytime the sensor detects smoke. The sensor itself will also go off, emitting a loud siren, but you can easily silence this from your phone in case the tea boiled over or you burnt some toast. These detectors also detect carbon monoxide in the air, another serious safety risk.

Make Your Batteries Smarter
What's better than a 9 Volt battery? A smart 9 Volt battery, naturally. Smart batteries are relatively new to the smart home scene, but they serve a simple yet ingenious purpose. Smart batteries replace the existing batteries in your smoke detectors and send a notification to your phone when the detector is triggered. These batteries also send notifications when they need to be replaced.

While smart batteries cost a bit more than normal batteries, they're a cost-effective alternative if a smart smoke detector is outside your price range.

Practice Smart Habits
Fire is a constant consideration for homeowners, especially during the colder months when fireplaces are opened up and put to use. In addition to the safety provided by smart home technology, there are a few basic things to keep in mind:

  • Keep spare firewood far from the fireplace. It's easy to toss a few logs onto the hearth for easy access, but it's better to place them well away from anything that might ignite them.
  • If you start cooking something that will take several hours, set a timer on your phone to check on it every half hour.
  • Finally, make sure your fire extinguishers are within easy reach and fully functional.


If you keep a close eye on things, you can nearly eliminate the risk of a fire in your home. Easy access to an extinguisher will let you put out small blazes (like those of an inexperienced cook on the stove), but make sure to get out of your house and call the fire department if you're in danger.

Patrick Hearn is an Atlanta-based tech writer for  XFINITY Home. You'll find him working away in coffee shops or tucked in a corner reading and sipping the latest pour-over.

 

Cleaning Your House after the Flu

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A-Choo! It’s here…you couldn’t escape the flu. Despite your efforts to prevent it, you’ve found yourself down and out.  Although we can’t wave a magic wand to get you back to 100 percent, we can offer some tips about how to clean your house to get rid of the germs and keep others from getting sick, too.

It’s OK to stay away
In fact, physicians recommend it. The flu can spread when a sick person sneezes, coughs or even talks, according to the U.S. Food and Drug Administration. Viruses are also spread on hard surfaces, if possible, try to keep the sick person in one room and in one bathroom.

Also, try to use paper cups and paper towels in the bathroom, or use antimicrobial towels (but make sure to wash them daily).

Time to disinfect
When you’re preparing to tackle the infected areas, here are some steps to follow:

  1. Crack a window (even if it’s just a quarter inch) to let some fresh air in.
  2. Get the “sick” laundry in the wash (bedding, pillows, clothing) and make sure to wash it in hot water. Try not to hug the laundry when taking it to the laundry room. Instead, place laundry in a plastic container that you can wipe down or spray with a disinfectant. Then, make sure to wash your hands after touching everything.
  3. Let your mattress air out a little bit (lightly spray with a disinfectant or essential oils/water mix).
  4. Bathroom: deep clean the sink, toilet and faucets. According to physicians from Clorox, it’s important to wipe surfaces so they are visibly wet for four minutes and then dry. If you’re using reusable cleaning cloths, don’t use them in another room and make sure to wash them immediately.
  5. Other surfaces: think TV remotes, door knobs, fridge handles, light switches, table tops, countertops, other electronics like computers or laptops (phew!). The flu viruses can live on these surfaces for up to 24 hours.
  6. Wastebaskets: These were most likely the home to many tissues throughout the illness time period. A good rule of thumb is to empty each day and line the basket with a plastic grocery bag and replace the bag each time. Then, remember to disinfect the wastebasket, too.
     

Additional precautions
If you have an inexpensive toothbrush, consider throwing it away and getting a new one. If it’s an expensive toothbrush, look online for ways to disinfect your toothbrush by soaking it in water/hydrogen peroxide mixtures for at least 30 minutes before rinsing thoroughly.

Use disposable towels or try to change towels out daily in the bathroom and kitchen to try to limit the spread of germs. It’s a good idea to continue to do this up to a week after the last person was sick.

If your kids have been sick, consider washing their stuffed animals (or steaming with a steamer if they seem too delicate) and sanitizing plastic toys on the top rack of your dishwasher (to save you some time).

And finally, clean hands are right up there with having a clean house. According to the Centers for Disease Control, wash hands with soap and water for at least 20 seconds. If soap and water aren’t available, use an alcohol-based hand sanitizer that contains at least 60 percent alcohol to clean hands.

Spring Forward: 5 Facts about Daylight Savings Time

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This weekend, Daylight Saving Time begins at 2 a.m. Sunday. Although we’re losing an hour (and an hour of sleep), we have the promise of Spring ahead. Just think warmer weather and longer periods of daylight. Here are five fun facts about Daylight Saving Time:

 

  1. Daylight Saving Time began in Canada in 1908, however, the first countries to use Daylight Saving Time were Germany and Austria in 1916. The United States began participating in Daylight Saving Time in 1918.
     
  2. Daylight Saving Time is not observed in Hawaii and most of Arizona. U.S. territories of Guam, Puerto Rico, Virgin Islands and American Samoa also don’t observe Daylight Saving Time.
     
  3. Daylight Saving Time begins and ends at 2 a.m. rather than midnight because there is a higher chance that most people are sleeping.
     
  4. The U.S. Department of Transportation is in charge of time in the U.S., including time zones and daylight saving time.
     
  5. Barbeque, golf and candy industries cash in. When Daylight Saving Time was extended from six to seven months in 1986, the golf and barbeque industry brought in an extra $200 million and $100 million respectively for the extra month of daylight. The candy industry cashed in, too, figuring an extra hour of daylight would mean more trick-or-treaters on Halloween.
     

This year, Daylight Saving Time will end on November 4, when you’ll get your hour of sleep back. Until then, enjoy the extra hour of daylight and remember to have an extra cup of coffee ready Sunday morning.

No matter the time of year or hour of the day, ERIE will be there for you. Check out the ERIE Difference.