Harsh weather during the winter can affect your car insurance—and other coverage—needs. To make sure that you are fully protected but not paying more than you should, here are some key insurance tips for winter.

Boat, RV, & Car Insurance Tips for Winter

1. Raise Collision & Liability Limits

Because the roads are covered in ice and snow, you are more likely to be involved in a collision during the winter. This raises your chances of damaging your car or injuring another motorist. Raise your collision and liability coverage limits to ensure that you’re financially protected this winter.

2. Add Roadside Assistance

Towing coverage is an invaluable resource after an accident, and you'll be grateful you have it if you need it. Additionally, the cold weather could kill your car battery, and roadside assistance coverage will pay for a jump-start to get you back on the road.

3. Lower Your Deductible

Lower your car insurance deductible during the winter to minimize your out-of-pocket expenses if you get into an accident. Once the roads are clear in spring, raise your deductible back to the previous amount. 

4. Drop Full Coverage on Seasonal Vehicles

If you've placed your boat, motorcycle, or RV into storage for the winter and won't be using it, you don't need collision or liability coverage. However, you still need comprehensive coverage to protect your vehicle against fires, flooding, vandalism, and theft.  Dropping the unnecessary coverage during the winter will save you money.

To adjust your RV, boat, or car insurance coverage this winter, contact Town and Country Insurance Agency in Waynesboro, VA. They've been serving customers throughout Augusta County for more than 20 years and can make sure that your vehicle is covered this winter. Visit their website to learn more about their services, or call (540) 221-2465 to discuss your needs with an experienced agent.