We all know winter driving can be dangerous. In fact, nearly a quarter of all traffic accidents are weather related, according to the Federal Highway Administration. And almost 73 percent of all weather-related vehicle injuries simply involved wet road conditions.

But not having the right car insurance coverage can also be dangerous. So with all this snowy and rainy weather, make sure your auto insurance policy is up to snuff, because not having the right insurance coverage could cost you more than you ever expected.

Check out these car insurance coverages from Esurance, which just might help keep you safe (and save you money) this winter.

Winter coverages to consider

1. Emergency roadside service

The winter months can be a busy season for tow trucks since snow and rain make it easy for cars to slide off the road. On top of that, cold conditions can drain your battery, stranding you in a wintry parking lot at the end of a long day.

But with emergency roadside service (ERS) coverage from Esurance, anytime you need roadside assistance, you can simply call us at 1-888-374-6472. Our operators will arrange a tow or send assistance to get your car rolling again. You can also arrange for your own tow and we’ll reimburse you up to the coverage limits you choose for your policy.

ERS can also help you with battery issues, tire changes, and getting locked out of your car. Plus we can even deliver gas, oil, or water! And many of our tow trucks have GPS tracking so you can track them on your smartphone.

2. Rental car coverage

Winter driving can be hard on your car. And when it’s in the shop, having access to a trustworthy vehicle is an absolute necessity, especially during the winter. If your Esurance policy includes rental car coverage, we’ll reimburse the cost of a car rental (up to your policy limits) if your car is in the shop or undrivable due to an accident. And in most states, we even offer CarMatch Rental Coverage®, which can help you rent a vehicle similar to yours.

3. Medical payments coverage

The Federal Highway Administration estimates nearly 76,000 people are injured every year from crashes that occur in snowy or inclement weather. No matter how careful you are, accidents can happen, so make sure your auto insurance policy covers more than just the bare-bones minimum.

One important coverage to consider is our medical payments coverage, which helps cover accident-related medical expenses for you as well as your passengers. And it’s particularly important if you don’t have health insurance (or if your health plan has low limits), since this coverage can help cover your health plan’s deductible in some cases.

4. Gap insurance

Though you never know when you could be in an accident, gap insurance from Esurance could be a financial lifesaver. This coverage can help take care of the difference between what you owe on your car and what your car’s worth at the time of an accident. That way, you’re not left footing the expense on your own.

The bottom line

It’s important to have a comprehensive policy that includes the coverages, limits, and deductibles right for you and your family in case an accident happens. Want to make sure you’ve got the right coverage? Get a personalized quote from Esurance today.

Insurance 101 | Car insurance 101 | Uncategorized


about Matt

A freelance blogger in the Bay Area, Matt Gallagher is the face and voice behind www.webcopymagician.com. When he’s not clickity-clacking the Qwerty like Ray Charles on a roll, he enjoys basking in forests with a book of poetry and falling in love with chlorophyll.