Winter weather can cause a wide range of vehicle problems, including losing control on a snow-filled road, tree branches with or ice falling on your vehicle, and other potential risks.
Only having a basic car insurance policy may not be enough to have you covered in these situations. You must consider car insurance according to your winter driving to avoid claim denial and out-of-pocket expenses.
Can I Waive My Car Insurance During Winter?
No, waiving the car insurance is not advisable because your car needs to be insured and registered to drive legally. Otherwise, you may have to pay penalties, and sometimes, your car might be impounded.
Do You Need to Buy Storage Insurance for Your Car During Winter?
Some insurance providers offer storage coverage that will only offer comprehensive coverage. Storage coverage may not be enough to drive legally, as it will not offer sufficient coverage for your registration.
To avoid this, you can file an Affidavit of Non-Use with the DMV, provided your state allows it and you qualify for it. This states your vehicle is not being driven or parked on public streets and that your liability coverage has been cancelled, which prevents registration suspension.
If your state does not allow an Affidavit of Non-Use with the DMV, determine whether it monitors your registration regularly. If it does not monitor, just ensure your registration is not about to expire while your car is stored.
Storage coverage is not recommended if your car is on lease or loan.
Reducing Your Insurance Coverage
You can drop collision and comprehensive coverage if you are going to have your car stored in a garage or driveway across the winter, and you have the storage coverage. However, if you have a loan or lease on your car, you cannot drop these coverages.
Do I Need to Increase Car Insurance Coverage During Winter?
It depends on how much you are going to use your car during the winter. If you drive often, you should think about increasing your coverage limits, as winter can cause more problems to your vehicle, leading to accidents and collisions. Having adequate coverage will help you save out-of-pocket expenses.
Best Car Insurance Coverage for Winter
Collision and comprehensive coverages are crucial for the winter months, as they safeguard your vehicle from damage or loss resulting from an accident with another driver or an object like a lamp post or signboard and uncontrollable events like a falling tree branch. While these coverages are not mandatory except if you have a lease or loan on your car, having them will sufficiently protect your vehicle, especially from winter-weather damages.
Ensure you buy storage coverage or a car insurance policy with collision and comprehensive coverages to protect your car on and off the road this winter and beyond.
Insure Your Car with Action Insurance
Whether you drive frequently or occasionally in the winter, we will provide the best possible auto insurance coverage to protect your car at every turn. Contact us today at Action Insurance Group to get started.
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