Please ensure Javascript is enabled for purposes of website accessibility

Frosty Forecast: Navigating Winter with Auto Insurance

December 20, 2023

auto insurance

Winter in Massachusetts leads to a challenging driving environment as drivers grapple with icy roads, accumulating snow, and reduced visibility. With these hazards plaguing daily commutes and holiday travel, drivers should understand the value of adequate auto insurance coverage. There are several things to know when creating a proper safety net for your family.

Winter Risks for Vehicles

There are several hazards to watch for when driving in the winter season. Due to poor visibility, black ice can catch even the most seasoned drivers unprepared. Accumulated snow and reduced visibility due to snowfall can also increase the danger for travelers. 

These hazards highlight the importance of insurance coverage to protect your car and financial stability. The National Highway Traffic Safety Administration reported more than 121,000 accidents during snow or sleet conditions in 2021, illustrating the increased risk that winter weather poses for safety on the road.

How Auto Insurance Protects in Winter

Auto coverage shields against a variety of winter-related risks. Comprehensive coverage protects against snow-related damage, including falling ice and hail. Collision coverage is equally important with the risk of multi-car accidents. Additionally, your auto policy also covers damages caused by snow plows and medical costs for any injuries caused by a covered accident.

Insurance Add-Ons or Considerations

Choosing the right add-ons for your insurance policies can make a big difference in your peace of mind. Roadside assistance is a valuable add-on for drivers who face cold-related breakdowns. When you invest in a roadside assistance rider for your car insurance, you can brave the season, knowing that help is available when needed.

Roadside coverage pays for everything from snow-related towing needs to cold-driven dead batteries. This coverage becomes indispensable when your vehicle is stuck in the snow or faces difficulty navigating icy roads, ensuring you can safely reach your destination without added stress.

Exploring the clauses and adjustments available from insurance carriers for the winter season is equally important. Some insurance carriers incentivize winter preparedness by providing policyholder discounts for things such as installing winter tires, underscoring the value of safety features in reducing risks on icy roadways. You might also find reduced deductibles and additional coverage endorsements to help protect your investment throughout winter.

Winter Prep

Proper auto coverage is more critical than ever with the approaching winter weather. The icy roads, unpredictable weather, and increased accident risks spotlight the necessity of a comprehensive insurance policy. Seek coverage tailored to the season’s unique challenges with proactive efforts to safeguard your journey. Review and update your coverage as the winter season begins to ensure you have adequate protection.

Talk with an insurance carrier such as E.J. O’Neil Insurance Agency about your winter weather auto insurance coverage. Working with a professional allows you to gain valuable insight into the coverage limits and endorsements you need for peace of mind this winter.

About E.J. O’Neil Insurance Agency

Since 1898, E.J. O’Neil Insurance Agency has provided homeowners with reliable coverage and high-quality customer service. Today, we offer a variety of policies, including commercial, boat, automobile, homeowners, motorcycle, and renters insurance. Quotes are free by phone or online request, and we can provide notary and other services at our location. We pride ourselves on caring for customers when they need it most, proving it with over $3.2 million in claims paid over 12 months. To find the right coverage for your need, call 413-594-4757 or visit us online.