With icy conditions, poor visibility, and sudden, intense weather, winter presents driving risks you likely don’t face the rest of the year. With the cold season approaching, now is the perfect time to double check your auto insurance policy. According to Robert Taylor Insurance in Lorain, OH, you should consider modifying your car insurance coverage when necessary to reflect your changing needs and exposure to risk.

Before winter hits, you might want to consider the following changes to your car insurance:

• Downgrading Unused Vehicles: Do you have a motorcycle, ATV, or sports car you drive only in good weather and keep garaged during winter? If so, you might save a lot of money by reducing coverage on those vehicles that stay parked all season. Changing the policy to “comprehensive only” will still provide protection against weather events, arson, and theft, while lowering your monthly insurance premium significantly.
• Adding Roadside Assistance: If you don't already have it, consider adding roadside assistance to your car insurance this season. Especially in Northeast Ohio where winter conditions can be severe, this emergency service can literally be a lifesaver.
• Increasing Your Protection: Winter accidents can be serious, so give yourself more protection as the risk rises. Consider increasing your maximum, adding collision coverage to a liability policy, and boosting your uninsured motorist protection. If you're not sure what you need, a friendly and knowledgeable insurance agent at Robert Taylor Insurance will review your policy and help you choose the right coverage.

As a dedicated Progressive agent, Robert Taylor Insurance offers a wide range of car insurance policies, backed by one of the nation's leading carriers. To learn more, make an appointment, or request a quote, call (440) 277-5191 or visit their website today.