Road Trip This Spring? Make Sure You Have the Right Coverage
As the weather warms up, it’s the perfect time for a road trip—whether you’re chasing sunsets, hiking in the mountains, or exploring a new city. But before you rev up the engine, take a few minutes to make sure your car—and your insurance—are road-trip ready. A little preparation now can save you from major headaches (and expenses) later.
1. Check Your Coverage Before You Go
Do you have enough coverage? If you only carry liability insurance, you’ll be out of luck if your own car is damaged. Consider adding collision coverage if you don’t already have it. And if you’re renting a car for your trip, check whether your policy extends to rental vehicles—otherwise, you may need extra coverage.
2. Comprehensive Insurance = Peace of Mind
Even when you’re not driving, your car is at risk. Comprehensive insurance covers theft, vandalism, and weather damage—essential protection if you’re parking in unfamiliar places. It’s especially worth considering if your road trip takes you through storm-prone areas.
3. Pre-Trip Maintenance Can Prevent Costly Issues
A well-maintained car is a safer car. Check your tires, brakes, battery, and fluids before hitting the road to avoid breakdowns that could leave you stranded. Not only does this reduce the risk of accidents, but it also keeps you from racking up roadside repair costs.
4. Make Sure You Have Roadside Assistance
Flat tire? Dead battery? Locked out? A roadside assistance plan can be a trip-saver. Many auto insurance policies offer this as an add-on, or you can use a third-party service like AAA.
5. Driving a Rental? Know What’s Covered
Not all insurance policies cover rental cars, and relying on the rental company’s insurance can be pricey. Check your policy before renting so you’re not paying for unnecessary coverage—or worse, driving without enough protection.
6. Keep Key Info Handy on Your Phone
Before you go, save important numbers—your insurance provider, roadside assistance, and your emergency contacts. Many insurance companies now offer an “Add to Wallet” feature, allowing you to store your insurance card digitally for quick access. Also, take pictures of your registration and driver’s license in case you need them in a pinch.
7. Safe Driving Pays Off
Beyond protecting you and your passengers, safe driving can lower your insurance costs. Avoiding accidents and tickets helps keep your rates down, and some insurers even offer discounts for good driving records.
Before you hit the road, review your insurance, prep your car, and enjoy a stress-free spring break adventure!
