During the winter, people drive less. The weather is worse, making it less attractive to drive for fun in the winter, and roads tend to be more slippery. At the same time, many people can’t change how much they drive during the winter, even though the road is riskier. Do you know what winter does to your driving habits? If so, you can adjust your car insurance to better fit your driving patterns over the winter months.
Do You Need Winter Car Insurance?
If you put your car away
Illinois requires a car to always be insured while it’s registered in the state. This includes when your car is stored during the winter, which is common for convertibles. A ragtop convertible isn’t very comfortable to drive during the winter, even with the top-up.
Some insurance coverages, though, are not particularly necessary if your vehicle is not going to be driven through the winter months. If you’re in this position, a talk with your family and your STARS Insurance agent, serving Deerfield, IL, is likely to reveal what you need for your stored car.
If you keep driving through the winter
Winter driving is more hazardous than the other three seasons. Roads can be icy and even a dry road will be colder. Because of this, accidents can be more common in the winter month, as can otherwise-avoidable single-car accidents.
With this in mind, it may be a better idea to increase the coverage that you have on your car, including cutting down your deductible in order to increase the number of minor repairs that can be covered by insurance during the winter months.
Contact Us Today
Both of these ideas can need discussion with a qualified professional. Call your STARS Insurance agent serving Deerfield, IL today to discuss your winter driving needs and whether changing your coverage makes sense.