ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

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.


    0 of 8192 characters used
    Post Comment

    • risalat profile imageAUTHOR

      Risalatul Hoque 

      5 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 

      5 years ago from Minnesota

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


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)