The holidays are one of the busiest travel seasons of the year. Between long drives to see family, crowded highways, and winter weather, it is important to make sure both your vehicle and your insurance coverage are ready for the road. A few simple checks now can help prevent unexpected expenses or headaches later, and keep your trip focused on the fun, not the what ifs.
Whether you are driving across town or across multiple states, here is how to ensure you are protected before you start your holiday road trip.
Review Your Auto Insurance Before You Hit the Road
A quick coverage review can make all the difference if something goes wrong while traveling. Holiday traffic and unpredictable weather increase the risk of accidents, breakdowns, and delays, so now is the perfect time to make sure you are fully covered.
Two key coverage types to confirm:
Comprehensive Coverage
Covers non collision incidents such as theft, hail, falling branches, animal strikes, vandalism, and windshield damage. Winter weather and crowded parking lots make these losses more common during the holidays.
Roadside Assistance
Helps with towing, jump starts, tire changes, fuel delivery, and lockouts. Even newer vehicles can suffer unexpected issues on long trips, and roadside programs save time and money when you are far from home.
You should also review:
- Collision Coverage: Ensures repair or replacement if your vehicle is damaged in an accident.
- Rental Reimbursement: Covers a rental car if your vehicle is in the shop after a covered loss.
- Liability Limits: Holiday travel often means more passengers and more risks. Higher limits offer added protection.
If you are unsure what you currently carry, an Inszone agent can help review your options before your trip.
Prepare Your Vehicle with a Simple Safety Check
Along with reviewing your coverage, taking time to prepare your vehicle will help ensure a smooth, safe drive. Below is a quick checklist to complete at least a week before traveling:
- Inspect tires for tread depth, pressure, and uneven wear.
- Check all fluid levels, including oil, coolant, brake fluid, and windshield washer fluid.
- Test headlights, taillights, brake lights, and turn signals.
- Confirm your spare tire, jack, and tire iron are in the vehicle.
- Pack an emergency kit with jumper cables, a flashlight, blankets, snacks, water, and a basic first aid kit.
- Bring mobile chargers and make sure your phone’s location services are active for navigation or emergency use.
- If driving through snowy or icy areas, carry traction aids like chains or sand and consider winter specific windshield wipers.
A little preparation goes a long way when roads are busy and weather is unpredictable.
Travel with Confidence This Holiday Season
Holiday road trips should be enjoyable, not stressful. By reviewing your auto insurance ahead of time and giving your car a quick safety check, you can hit the road knowing you are protected from unexpected expenses and delays.
Inszone Insurance is here to help you make sure your coverage matches your holiday travel plans. If you need to update your auto policy, add roadside assistance, or simply confirm
Juan Cruz
