Don’t let the snow sneak up on you – get both you and your car ready for another Michigan winter with these easy tips to maintain all around coverage for the long months ahead.
Is Your Car Hibernating this year?
If you plan to park your car for the winter and not drive it, you can certainly change over your insurance and remove your collision coverage. If your car is truly not going anywhere, then you can set up your policy to maintain just comprehensive coverage. It is important to talk with your agent on the specific guidelines for removing levels of coverage from your car. Plan ahead and start this process early.
By changing this coverage, you can save yourself some money on your policy during the months that your car isn’t on the road. However, make sure that you plan to truly keep that car tucked away safe for the winter. If you drive that car out for any reason without upgrading the policy, you can put yourself at significant risk if you have an accident.
Changing or reducing coverage is a much smarter move than allowing the policy to lapse. A lapse in coverage can cause damage to your rates over time, which can reduce the chances of benefits and bonuses offered for customers with consistent insurance coverage. Don’t allow yourself to fall into that trap, make sure you plan for the seasonal changes.
A Car Braving the Winter Needs Special Attention
Just like you, your car needs to be prepared for the winter weather. A lot of the time that starts with having the right coverage on your car insurance policy. Remember even if you are the best winter driver of all time, you cannot assume the other drivers on the road are too. Protecting yourself with insurance is a good way to avoid winter weather financial travesties.
Great Winter Car Insurance Coverage Options
• Broad Collision – If you currently have no collision or standard collision, broad collision would be a great upgrade for the winter months. Broad collision makes it so Michigan drivers do not pay the deductible when they are not at-fault. This protects you from paying out of pocket expenses when a careless or out of control vehicle hits your vehicle.
• Roadside Assistance – Lots of Michigan residents have been there at some point in time, stuck on the side of the road in blizzard like conditions. Save yourself some money by adding on this usually very inexpensive coverage for the winter months.
• Car Rental – Would you be hurting if your vehicle is in the shop for repairs? If you do not have an alternate vehicle, car rental coverage can save the day after a car accident.
• Accident Forgiveness – Let’s face it, it can happen to any of us. Sliding on ice and hitting another vehicle or guard rail can seriously raise your insurance rate. Consider adding accident forgiveness to avoid steep insurance rate hikes this winter.
Before you head out this winter, check in with your agent to make sure you have the right coverage for your winter driving. Sometimes changes in driving patterns can mean that you need to change the way you are covered. Any time that you change jobs start school, add a new driver in your household, or the season changes it is a good idea to check in with your insurance agent to make sure that you are covered from hood to bumper.
Michigan Winters need Preparation
Whether it is the mental preparation of surviving another winter, or the preparation that it takes to ensure that you will be able to get to go where you need to go this winter, do not let the winter weather catch you by surprise; plan ahead with your agent by doing a winter weather “check-up” on your policy.
Checking in with your local agent to make sure that you have what you need to make it a great winter for both you and your car is the perfect way to welcome in the new season.
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