Is Your Car Insurance Ready for Your First Winter Driving Experience?
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When you’re hanging out south of the Mason Dixon line snow isn’t really an issue, so making the hop from south to north can be culture shock in more ways than one! If you’re not used to the-unique-challenges that go along with driving in the snow, you’re in for a treat. Better make sure your car insurance is ready!
Wait-why would your car insurance be one of the first things you need to take care of to make sure you’re ready for winter? Because studies show that car insurance claims climb dramatically in the winter. It doesn’t take a genius to figure out that bad weather paves the way for more accidents! Between the fact that the thin sheen of ice on the ground wrecks havoc with your car’s traction and the way drivers forget they’re not invincible just because they’re used to driving in snow there’s an excellent chance that at some point in the next five years you’re going to have a snow related accident.
Most states require you to carry some kind of liability car insurance (even no-fault states) to cover damages you cause, but liability insurance is going to leave you out in the cold when it comes to making repairs on your car. Your vehicles are among the biggest investments you’ll make in your lifetime. Chances are good that you don’t want to have to pay to replace them! If you still share joint custody of your car with the bank you’ve probably already bought comprehensive and collision insurance for your car, but if you haven’t now would be a good time to start.
Picture this: An icicle falls from the top of your second story roof and smashes your windshield. You slide off the road and plunge bumper first into the ditch. On a cold, blustery night you skid on a patch of black ice and wrap your car around a telephone pole. A deer comes flying out of the woods next to you and hits your car. (Most of the time you don’t actually hit the deer, the deer hit you!) All of these are going to cause major damages to your car that can cost a small fortune to repair, and none are covered under the terms of your liability coverage.
That’s why you need to make sure you have collision and comprehensive car insurance. These pay for the damages to your car after a no-fault accident or an accident you caused, which means you aren’t left car-less while you save up the money to either fix your old car or buy a new one. Yes, adding collision and comprehensive to your coverage is going to raise your car insurance rates, but it’s going to be worth it the first time you have to file a claim and you’re only responsible for your deductible.
Driving up north is a whole new experience, so make sure you, your car and your car insurance are ready for your first season of winter driving.
Anthony M. Peck is the Senior Developer for QuoteScout.com. To find out more about keeping your car insurance rates from killing your bank account this winter visit them on the web at http://www.QuoteScout.com.
