Winter Driving Insurance Tips for Minnesotans
Minnesota winters are no joke. Here's how to make sure you're properly protected on icy roads.
Coverage That Matters in Winter
#### Comprehensive Coverage
Covers non-collision damage like:
- Deer strikes (common during early winter)
- Falling ice and tree branches
- Theft (more common in cold months when cars are left running)
#### Collision Coverage
Covers damage when you hit something, including:
- Sliding into a guardrail
- Rear-ending someone on ice
- Single-car spinouts
#### Uninsured Motorist Coverage
Many winter accidents involve drivers who lose control. If they don't have insurance, this protects you.
After a Winter Accident
- Stay safe - Move to a safe location if possible
- Document everything - Photos of damage, road conditions, weather
- Exchange information - Get other driver's insurance info
- File promptly - Call your insurance company within 24 hours
- Contact us - We can help guide you through the claims process
Winter Driving Tips
- Keep your gas tank at least half full
- Carry an emergency kit (blanket, flashlight, snacks)
- Clear all snow and ice from your vehicle
- Leave extra following distance
- Know how to handle a skid
Does Winter Affect Your Rates?
Your rates don't change based on season, but:
- At-fault accidents affect your rate for 3-5 years
- Filing multiple claims can increase premiums
- Consider a higher deductible if you're claim-free
Questions About Your Coverage?
Not sure if you have the right coverage for Minnesota winters? Get a free coverage review or call (651) 255-0012.