Monday, September 2, 2013
Make sure that your car is ready for all kinds of accidents no matter the season
Having your car insured isn't only a matter of legal framework that makes car insurance mandatory in the US. It is also a matter of common practical sense that makes this type of insurance so useful. Accidents happen on the road and you can never tell if you'll make part of the statistics. That's why having the vehicle insured is the best way to prevent serious financial turmoil, which may be triggered even by a minor parking accident. But traffic accidents aren't the only type of situations in which your car can get damaged and insurance required. A large number of insurance claims is filed due to weather-related accidents, and it is therefore very important to make sure that your car is ready for these kinds of accidents no matter the season.
Of course, the first thing that comes to mind when discussing insurance and season-related accidents is the bad weather during the winter, which makes driving in many states very tricky if not impossible. In fact, winter makes accidents so likely that the average car insurance quotes tend to rise as the first winter days mark the calendar. It's quite understandable, since occasional blizzards, snow and bad weather conditions even in the warmest parts of the country increase the risk of collision on the road. In order to get ready for this particular season you have to make sure that your policy carries enough third party liability and comprehensive coverage. Roadside assistance coverage may also be very useful in areas where winter snowfall is common. So make sure to get respective car insurance quotes and review your policy well in advance.
Spring may seem like a happy break from the winter but it can be very tricky. Needless to say that the occasional tornadoes, which start taking place around April and May, can result in devastating insurance losses, so you have to be prepared. But even if you're not from the Tornado Alley spring can bring a lot of bad weather in the form of thunderstorms, rain and rapidly changing weather. That's why having comprehensive coverage in check is a good idea when getting ready for the spring. And if you happen to live in an area with high probability of flood or tornado, get respective coverage, which is often available in the form of waivers.
Car insurance quotes may sometimes be lower during the summer, because it's a relatively calm season in terms of driving conditions. Sure, there can be occasional thunderstorms and other acts of nature in different parts of the country. But in general driving during the summer is usually very smooth, especially if your car has an air conditioner. Still, don't let your guard down and pay attention to the traffic as the large number of vacation-goers and travelers can increase the risk of simple traffic accidents. That's why having collision and third party liability coverage in check is important when getting car insurance quotes for the summer season.
In the autumn things can get a little bit messy on the road, especially in the northern states. Long rains and occasional morning frosts can be very dangerous, especially if you've gotten used to driving the hot and dry summer roads in the south. That's why it is recommended to include comprehensive and roadside assistance coverage when comparing car insurance quotes during autumn as these options can come in very handy.