You’ve booked your hotel room, bought passes to parks, museums or other attractions and packed your bags. You’re ready to leave for vacation, right? Thinking about car insurance may be the last thing on your mind as you prepare for this much-needed break, but it is essential. If you don’t want your rates to go up the next time you look for car insurance coverage, you need to give safety and car insurance some thought.
Most states honor whatever coverage your home state requires even if their minimum coverage is higher. However, it is still a good idea to know something about the state where you are vacationing. If it is a no-fault state, each person may end up paying for his own expenses in a collision regardless of who is at fault.
You also want to consider coverage if you are taking a rental vehicle. Your insurance will most likely cover you, but you may have a deductible. You want to decide ahead of time if coverage from the car rental company is a better option.
Accidents are more likely to happen when you don’t know your route. It pays to plan your route and know what kind of traffic flow you will be dealing with. If you have a GPS system, you can use it to avoid construction areas or heavy traffic. If you don’t have GPS, consider downloading one onto your smartphone. It can help you avoid areas where you might get in an accident.
A voice-activated navigation system also helps you keep your eyes on the road. You can watch for signs and avoid making a last-minute decision that results in a rear-end collision. Get to know your rental car before you go on unfamiliar routes. Make sure you know how to use all of the important equipment that comes with the car, so that you don’t get distracted.
>If you are driving your own car and don’t have a warranty, you may want to consider adding roadside assistance to your insurance coverage. You can compare insurance quotes to determine how much this could add to your existing policy compared to what companies may offer for that add-on. This coverage often provides assistance with flat tires, dead batteries, and even towing to a local repair shop. Otherwise, you could pay a lot for out-of-pocket expenses. If you do add this coverage onto your policy, make sure you understand the fine print. Know what is covered and what will be your responsibility.
Don’t forget to carry your insurance card with you and keep the name and number of your local agent in case of an accident. Even if you use a claims department to file a claim, you may want to talk to your local agent if you have one to answer questions. An accident at any time can be frustrating and disconcerting, but it is often worse when you are on vacation in an unfamiliar place.
Stay safe when you are on vacation and don’t forget about your car insurance. Being a safe driver ensures that you have fun and don’t come home to problems and higher insurance quotes.
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