After a long, cold winter, many Coloradans look forward to a spring break road trip to a warmer destination. It’s always important to be prepared for travel, though, and one of the primary things that many happen to overlook is a review of their auto insurance.
It’s crucial to take the time to ensure that your auto insurance policy sufficiently covers you and your car from accidents or breakdowns, especially if you plan on traveling out of state. Regulations in other states and countries could cause issues with your auto insurance provider and result in sudden out-of-pocket expenses.
Luckily, you don’t have to go far for some advice; Warrior Insurance & Services Group has compiled the following key tips for getting your auto insurance squared away before you hit the road:
Check Your Coverage Before Leaving
First and foremost, confirm your auto insurance coverage before you travel, preferably two to four weeks before the date of departure. Make sure your policy covers accidents, theft, and weather-related damage, as well as the minimums for the state or country you’ll be visiting. If you need to update your policy, gather the proper documentation and insurance cards before you head off.
Look Into Roadside Assistance Coverage
Roadside assistance coverage can be a lifesaver on vacation. It covers towing, jump-starts, gas deliveries, and lockout services, effectively handling anything that can go wrong on the road. Many companies offer 24/7 support as well, which can be incredibly valuable when you’re in an unfamiliar place.
Do You Need Rental Car Coverage?
Most rental car companies offer insurance on their vehicles. If your auto insurance provider doesn’t cover collisions or liability protections, you may need to get temporary insurance from the rental agency to ensure you’re fully covered. Still, it’s best to double-check your permanent auto insurance policy; if it covers rentals, you’ll avoid paying more.
Review Your Policy for Coverage in Other States and Countries
Check if your auto insurance policy extends to other states or if some coverages lapse. If you’re planning on traveling to Mexico, be aware that most Colorado auto insurance policies don’t cover travel there. You may need to buy a short-term policy from another provider to keep you compliant.
Consider Uninsured and Underinsured Motorist Coverage
Many spring break partiers don’t carry sufficient auto insurance coverage. You may be forced to cover repairs and medical bills out of pocket if the other driver is uninsured or underinsured. Getting coverage to compensate for their lack of insurance ensures potential expenses will be paid for.
Other Spring Break Road Trip Tips
Before hitting the road, consider these final three tips:
- Have physical and digital copies of your insurance documents at hand
- Include emergency contact info for your auto insurance company and roadside assistance
- Check your car’s condition — brakes, fluids, tires, and so forth — before you depart
Taking the time to be extra-prepared can save you from disaster and make it easier to have a good time.
Get Ready for Spring Break With Warrior Insurance & Services Group
Warrior Insurance & Services Group can make sure you’re all set for whatever comes your way on your spring break vacation. You can update your auto insurance policy to cover liability and damage so you can relax with ease. Contact us online to get a quote.