Mid-winter insurance tips you can’t afford to miss.

winter insurance tips

Winter is the most important season for insurance. It may be half over  but it isn’t too late to make sure you’re properly educated on important issues regarding your auto and home insurance.  Weather related damage occurs in the coldest months, hazards are everywhere, and there’s even opportunity to save money this season.  Read on to learn more, we don’t want you getting caught without proper coverage when damage occurs.

1)  Really take a close look at your car insurance policy. Think about what new risks occur during the winter months and if changes in coverage are necessary. Do you have a vehicle you do not drive in the winter months? It could save you hundreds of dollars to reduce coverage on a parked vehicle during the winter months. Lowering the coverage to comprehensive  will only protect your vehicle against things which can happen to it while sitting, such as storm damage, fire, theft, and vandalism.

2) Consider roadside assistance if you do not already have it. Roadside assistance can be really handy in the winter months. Slide offs can sometimes be unavoidable even in four wheel drive SUVs. Being stuck in the ditch is never good. You can avoid big tow bills by purchasing inexpensive roadside assistance coverage on your auto policy.

3) Check your tire pressure. With frequent weather and temperature changes, tires can expand and contract, causing them to lose air pressure. Make sure tires are properly inflated and have plenty of tread.

4) Have an emergency kit in your car in case you get stranded in the snow, flashlight , flares, window scraper, lighter , water, food  and a blanket.

5) Taking that long-awaited international trip this winter? Consider purchasing a special travel insurance policy. It helps protect against trip cancellation and lost baggage costs, as well as unexpected medical expenses.

6) Do you have kids in college that will be renting an apartment during the winter months? Kids can be prone to accidents outside the home, so be sure your homeowners policy provides liability insurance off premises.

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Nigro Insurance AgencyMid-winter insurance tips you can’t afford to miss.