Winter Driving in Minnesota: Stay Safe and Insured

Winter in Minnesota has its perks—cozy fireplaces, hot cocoa, and snow-covered landscapes—but let’s be real, the roads can be a nightmare. From icy highways to sudden snowstorms, driving in winter is no joke. That’s why it’s crucial to prepare for the season and make sure your auto insurance has your back when things get slippery.

Get Your Car Winter-Ready

Before you even think about heading out on snowy roads, make sure your vehicle is prepped for the cold. Start with the basics:

• Tires, tires, tires: Don’t underestimate the power of good tread. If you haven’t already, consider upgrading to winter tires—they can make all the difference on icy roads.
• Check the battery: Nobody wants to deal with a dead battery in sub-zero temps. Test it before it’s too late.
• Top off fluids: Antifreeze and winter-grade windshield washer fluid are your best friends during the cold months.
• Emergency kit: Keep essentials like blankets, a flashlight, snacks, and even a small shovel in your car. You’ll thank yourself if you ever get stuck.

Adjust Your Driving Style

Winter roads require a different kind of driving—one that’s slower, steadier, and all about safety. Here’s what to keep in mind:

• Take it slow: Speed limits assume perfect conditions, not snow and ice. Slow down to stay in control.
• Back it up: Leave plenty of space between your car and the one in front. You’ll need more time to stop on icy roads.
• Go easy on the pedals: Avoid slamming the brakes or gunning the accelerator. Smooth and steady wins the race—or at least avoids the ditch.
• Know your brakes: If your car has anti-lock brakes (ABS), use firm, steady pressure. If not, pump the brakes gently to avoid skidding.

Is Your Insurance Ready for Winter?

No matter how careful you are, accidents happen. That’s why it’s so important to review your auto insurance policy before the snow hits. Here’s what you need to check:

• Collision Coverage: Covers damage if you hit another car—or a snowbank.
• Comprehensive Coverage: Protects against non-collision incidents like a tree branch falling on your car during a storm.
• Roadside Assistance: Great for those “oops, I’m stuck in a snowdrift” moments.
• Uninsured/Underinsured Motorist Coverage: This ensures you’re protected if someone else isn’t properly insured.

If you’re not sure what your policy includes, now’s the time to call your insurance agent.

What to Do If You Get in an Accident

Even with the best preparation, winter accidents happen. If you find yourself in a fender bender, here’s what to do:

• Stay calm: First things first, make sure everyone is okay.
• Move to safety: If possible, move your car to the side of the road and turn on your hazard lights.
• Document everything: Take photos of the scene, the vehicles, and any damage.
• Exchange info: Swap insurance and contact details with the other driver.
• File a claim: Call your insurance provider and get the claims process rolling.

Consider Extra Coverage for Peace of Mind

Winter driving in Minnesota is unpredictable, but your insurance doesn’t have to be. If you’re unsure whether your current policy is up to the challenge, an independent insurance broker can help. They’ll make sure you’ve got the right coverage for whatever winter throws your way.

Drive Smart, Stay Safe

Minnesota winters can be rough, but with a little preparation, you can navigate them like a pro. Winterize your car, adjust your driving habits, and review your insurance policy to ensure you’re covered.

Need help reviewing your auto insurance? Contact us at National Insurance Brokers today. We’ll make sure you’re ready to tackle the season safely.