From reduced visibility to slippery roads, winter presents some unique driving challenges. If these challenges are not appropriately managed, they can lead to an accident or traffic ticket—and an increase in car insurance rates. Below are common winter-driving mistakes to avoid to ensure your car insurance stays affordable.

5 Common Winter Driving Mistakes That Can Raise Car Insurance Rates

1. Driving Fast

Speeding is never advisable, regardless of the time of year. But in winter, it poses even more of a threat to public safety. Black ice appears to be wet spots on the road, and it is difficult to slow down or control a speeding car once you hit an icy patch. Similarly, the reduced visibility of snowfall or freezing rain gives you less reaction time when you need to slow down.

2. Tailgating

Following another driver through winter weather can feel almost comforting. Unfortunately, following too close can lead to a rear-end collision. Increase space between vehicles to account for slower stopping times in slippery conditions.

3. Using Cruise Control

Driving with your car's cruise control engaged might seem like a good way to maintain consistent speed, but in inclement weather, it can be dangerous. With cruise control on, tires are more apt to lose their grip on the pavement during snow, rain, or freezing rain, leading to hydroplaning.

4. Not Clearing the Exhaust Pipe

For every gallon of fuel burned by your car's engine, a gallon of water comes out of your car's exhaust pipe. The exhaust makes certain the condensation is effectively removed from the vehicle, but if the pipe is blocked, the engine could become damaged. If you've parked outside during a heavy snowfall or ice storm, check that the exhaust pipe isn't clogged to prevent a breakdown.

5. Not Clearing Snow or Ice

Snow and ice that has accumulated on the windshield decreases visibility and is a safety hazard, and the snow on the roof and hood can also fly off and hit the vehicle behind you. Always take the time to remove all ice and snow buildup from your vehicle.

Steering clear of these common winter driving mistakes will lessen the odds of an accident or ticket and keep your car insurance at an affordable rate. To find the best rates, trust Hummel & Plum Insurance Agency. Since 1904, they have provided the Ross County, Ohio, area with all types of insurance, including car, life, health, business, and homeowners insurance. Visit them online to learn more about coverage options, and call (740) 773-1620 to request a quote.