The winter holidays are a prime time for road trips, whether you’re traveling across state lines to visit family or simply driving in unpredictable weather. Before you hit the road, a quick auto insurance check is the smartest trip prep you can do.
Your Auto Safety Checklist
Your Auto Insurance travels with you, but having the right components is key to a smooth journey:
- Physical Damage Coverage: Ensure your comprehensive and collision deductibles are set at a manageable level. Damage from hitting a patch of ice (collision) or hitting a deer (comprehensive) are higher risks in winter. Higher deductibles can save on premiums, but confirm you have the necessary funds immediately accessible in your emergency fund to cover the cost if a claim is filed.
- Emergency Support: Do you have Roadside Assistance on your policy? This covers essentials like towing, jump-starts, and tire changes—invaluable if you break down far from home. For winter travel, verify your plan includes sufficient mileage for towing, especially if you are traveling long distances or through rural areas.
- Rental Car Coverage: If you are renting a vehicle, review how your personal auto insurance extends coverage to the rental. While Collision/Comprehensive usually transfers, clarify what liability applies. Always check if your policy covers the rental company’s “loss of use” charges, which can be excluded by standard personal policies. If this coverage is missing, you may want to purchase the rental company’s loss damage waiver (LDW).
The Value of Preparedness
We believe caring makes the difference in planning ahead. Beyond insurance, ensure your tires are properly inflated, your battery is healthy, and your emergency kit is stocked. Winter weather often puts extra strain on tires and batteries; a quick diagnostic check before leaving home can prevent a breakdown. A prepared vehicle combined with adequate coverage allows you to protect what matters most and enjoy your time away.
Learn more about Auto Insurance by sending us an email at info@parkwayinsurancegroup.com or calling us at +1 281 558 1991.
