Along with the cold and frigid temperatures comes changes in the weather, and along with changes in the weather will come changes in how your car functions on the roadway. If you haven't looked at your auto insurance policy for a while, the onset of winter is a good time to look and make a few adjustments to your coverage. Since driving gets a little riskier in the winter season, it is good to make sure that your car is properly protected. Here are three ways to consider changing your auto insurance plan before winter fully arrives.
Consider opting for towing service coverage.
If something happens and you end up off the road, it is really great if you have towing service coverage on your insurance policy. When you have this optional coverage, the tow bill will be paid if the roads are slick and you end up off a shoulder, stuck in a snowdrift, or otherwise not able to maneuver your car back on the roadway. Towing insurance is not all that expensive, and you can always drop the coverage when spring comes back around if you do not believe you will use it through the summer.
Consider lowering your deductible.
You may have set a higher deductible when you first got your car insurance to keep things as inexpensive as possible with your policy. However, just before the onset of winter, it is always a good idea if you can lower your deductibles even if it means paying a little more. Since driving can get riskier and fender benders are more likely to occur, you will be far better off with a lower deductible. For example, if you hit a patch of black ice and skid into another vehicle, bending your bumper, you won't have a deductible so high that it would make more sense to repair the damage out of pocket.
Consider adding collision coverage.
Collision coverage is one thing a lot of people skimp to save money, but collision is a very important coverage to have in the winter months because of what it covers. This form of insurance covers you if you accidentally collide with a vehicle or an object like a tree while you are driving your vehicle. In the winter, when there are snow and ice on the ground, these kinds of incidents happen a lot easier because your stopping power ca be reduced.
For more information, talk to your auto insurance agent about your auto insurance plan.
