Spring is a season of fresh starts—warmer weather, longer days, and the chance to shake off the winter blues. It’s also the perfect time to take a closer look at your auto insurance policy and make sure your coverage still fits your needs. Just like you’d clean out your garage or refresh your home, your insurance deserves a little spring cleaning too!
Reviewing your auto policy this season can save you money, protect you from surprises, and make sure that you’re ready for the road ahead.
You Might Qualify for New Discounts 🚗💰
Insurance rates change over time, and you may now be eligible for discounts you weren’t before. Ask yourself:
- Have you had a clean driving record for the past year?
- Have you recently gotten married or moved?
- Do you drive fewer miles than before?
- Have you installed any new safety features in your car?
Many insurers offer safe driver, low-mileage, and multi-policy discounts—but you won’t get them unless you ask!
Winter Driving May Have Affected Your Coverage Needs ❄️➡️🌷
Harsh winter conditions can take a toll on your car, from pothole damage to minor fender benders. If you’ve had repairs done recently, you might want to reassess your comprehensive and collision coverage to ensure your vehicle is fully protected.
Additionally, if you added roadside assistance for winter emergencies, consider whether you want to keep it year-round. It’s a great perk, but you might not need it as much in the warmer months.
You’re Driving Habits Might Be Changing 🚦 
Spring often brings lifestyle shifts—road trips, weekend getaways, and even commuting changes. If you’re driving more (or less), make sure your policy reflects your current habits.
For example:
➡️ Working from home more? A low-mileage discount could save you money.
➡️ Planning a road trip? Consider adding rental car coverage for peace of mind.
➡️ Buying a new car this spring? Don’t forget to update your policy before you hit the road!
You Can Reassess Your Deductible & Coverage Levels 🔍
Take a moment to check your deductible and coverage limits. Would you be comfortable paying your deductible out-of-pocket if you had to make a claim?
- If you have an older car, you might not need as much collision coverage anymore.
- If your car is newer, make sure you have enough coverage to replace or repair it if needed.
It’s also a great time to confirm you have uninsured/underinsured motorist coverage, especially since spring and summer bring more motorcycles, bicyclists, and pedestrians onto the roads.
Reviewing Your Policy Now Can Prevent Future Headaches 📝
Life moves fast, and the last thing you want is to find out you’re underinsured after an accident. Reviewing your policy now helps ensure you’re covered before something unexpected happens.
Here’s a simple Spring Auto Insurance Checklist to help:
✅ Check for new discounts
✅ Update your mileage and driving habits
✅ Review your deductible and coverage limits
✅ Make sure all listed drivers are up to date
✅ Confirm roadside assistance or rental car coverage if needed
Need help reviewing your auto insurance? Contact us today and see how we can help you stay protected while keeping costs down. 🚗
