Auto insurance is one of the most common ways to guard yourself against liability on the road. However, you can also minimize your exposure by making your vehicle safer to operate with a few simple maintenance tasks. The following tips will help you stay safer on the road and reduce your chances of an accident.

4 Ways to Minimize Your Liability on the Road

1. Replace Wipers Regularly

A clear windshield is a key to safe driving, so it's important your wipers are in good shape. Worn out windshield wipers leave streaks and spots, which make it difficult to see the road. Additionally, keep washer fluid in the reservoir to clear away splashed-on mud and road grime. Replace the wipers yearly, and fill up washer fluid during each oil change.

2. Examine Tire Treads

Your tires are the connection between your vehicle and the road, so they must be in good condition to avoid sliding in wet conditions. Check the tire tread depth and wear patterns monthly. Measure tread depth with a U.S. penny. Stick it between the treads, and look at Abraham Lincoln's upside-down head. If you can see the top of his head, the tires are too worn and should be replaced. Also, tread wear should be even across each tire and between all four tires. If it is not, have them rotated.

3. Have Brakes Inspected

To minimize your danger and risk of liability on the road, have your brakes inspected annually and serviced as necessary. If you hear squealing or grinding noises when you depress the brake pedal, take your car in for service immediately.

4. Test Lights & Signals

Make sure that you can be seen clearly on the road by testing your lights and turn signals every few weeks. Park facing a storefront with a window, so you can see your car's reflection. Test to make sure each blinker, the high beams, and headlamps are all operational. Then turn the car around and do the same with the brake lights and rear blinkers. Alternatively, you could ask a friend to watch as you test each light and let you know if any are faulty.

A final way to make your car safer to operate is to increase your auto insurance coverage. Contact Financial Strategies Group Inc. dba Arlene Lear Insurance in Bolivar, MO, to discuss coverage limits, deductible amounts, and more. They have been serving drivers in and around Polk County for more than 40 years and have a long record of success. In addition to auto and motorcycle insurance, they also carry home, life, health, and commercial insurance. Visit their website to see business hours, and to request an auto insurance quote, (417) 777-3000 for Bolivar or (417) 754-8377 to reach the Humansville office.