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Avoid an Increase in Vehicle Insurance with these Winter Driving Tips

Updated on April 1, 2013

Drive Safe!

Drive Safe!
Drive Safe!

Why This Article?

Even one minor accident can increase your vehicle insurance premiums to an almost ridiculous level. Even if you have looked through all of the motor vehicle reviews to search for the safest and most reliable winter vehicle, you can’t predict or prevent an accident from occurring. However, with some winter driving tips, you can put your defensive driving skills into high gear and avoid a collision.

• Make sure your car stereo works

Not so you can play tunes at ear-piercing levels, but so that you can listen to the traffic and weather reports. You can be alerted as to what traffic is like in the direction you’re headed, and if there are areas to avoid due to road closures, etc.

• Keep Weight in Your Trunk:

A large bag of cat litter or sand actually serves more than one purpose. It helps weigh your vehicle down, giving you better traction; and, in case you do get stuck, it can help melt the snow and ice so you can get back to driving on the road as opposed to the snow bank.

• Snow Tires:

Snow tires are better than all-season, because they have better traction, better tread and can pull you through snow and ice like nothing else can. Your vehicle insurance will likely be a bit lower as well if they know you have these for the harsh winters. Be sure to keep the tires fully inflated – it will save on gas mileage too!

• Brakes Are Not Your Friend:

It really isn’t the snow you have to worry about so much; it’s the ice that has accumulated underneath the snow! If your vehicle starts to slide, applying to brakes too forcefully can actually make things worse. The trick is to steer where you want to go and allow the wheel to correct itself. This can be difficult when a knee-jerk reaction calls for braking. It takes some practice and a calm demeanor.

• Keep an Emergency Kit:

This should contain essential items such as a flashlight, flares, first aid kit, shovel, tools, food and water. You never know when you may be stranded out in the middle of nowhere with no help in sight.

• Always carry a Cellphone:

These days, most everyone has a cellphone, but it bears a reminder anyway.

• Have Emergency Roadside Assistance:

It is well worth the price and can save you a lot of time and aggravation. As a member, you can secure some cool travel deals too.

Bottom Line?

If you are stranded, keep your car stereo on, if for nothing else but noise. It may deter animals from approaching and will give you a bit of extra security. When you follow the above tips, you have a better chance of driving through the winter without incident, and your vehicle insurance premiums will stay nice and low.

When you are searching for a vehicle, look through the motor vehicle reviews online and offline to get an idea of which ones are considered the safest. A bit of time effort spent beforehand can save a lot of time and money later on.


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    • risalat profile image

      Risalatul Hoque 4 years ago from Moorhead, MN

      My bad ... wrote this article in January and forgot to post ... thought better late than never. Nice to hear from a Minnesotan though :o)

      Thanks for dropping by.

    • Nicole S profile image

      Nicole S Hanson 4 years ago from Minnesota

      Great hub! I'm so glad that winter driving is over for a while *hopefully*