Road Trip Ready? What You Need to Know About Auto Insurance for Holiday Travel

November 15, 2024

The holidays bring family gatherings, seasonal trips, and unfortunately, increased road risks. At Sablich Insurance Group, we understand how crucial it is for our clients to feel protected during holiday travel. Whether you’re hitting the road for a winter getaway or driving across town for festive gatherings, ensuring your auto coverage is up to date can give you peace of mind along the way.

Why Holiday Travel Means Added Risk

Between unpredictable winter weather and a higher number of travelers on the road, accidents and delays tend to increase over the holidays. In fact, insurance claims related to car accidents often spike during this season, making it even more important to have comprehensive coverage.

How Sablich Insurance Guides You Through Changing Tides

The foundation of any auto insurance policy is liability, which covers damage to others if you’re at fault. But during holiday travel, it’s wise to review these additional coverages as well:

Comprehensive Coverage: This covers incidents like theft, vandalism, or damage from weather-related events — common risks during the holidays. Imagine parking your car overnight at a hotel only to find it damaged or broken into. Comprehensive coverage protects you in these scenarios.
Collision Coverage: Holiday roads can be crowded and stressful. If you’re involved in an accident, collision coverage helps with repair or replacement costs for your vehicle, regardless of who is at fault.
Uninsured/Underinsured Motorist Coverage: Unfortunately, not every driver is fully insured. If you’re hit by someone who lacks adequate insurance, this coverage can protect you from out-of-pocket expenses for damages.
Roadside Assistance and Towing: Holiday travel often means longer drives. Roadside assistance can be a lifesaver if you have a flat tire, dead battery, or other mechanical issue that leaves you stranded.
Rental Car Coverage: If you’re planning to rent a car, make sure your policy covers rentals or offers it as an add-on. Check if you need a standalone rental insurance plan or if your current coverage can extend to a temporary vehicle.

Tips for Smooth Holiday Travel

Review Your Policy: Make sure your coverage limits are sufficient, especially for collision and comprehensive. Holiday driving can be unpredictable, so it’s best to have a robust policy.
Use Caution in Parking Lots: Parking lots are common places for fender-benders and theft. Be cautious when parking, lock your doors, and avoid leaving valuables in view.
Prepare for Weather Conditions: If you’re traveling through areas with snow or ice, be ready for delays and challenging road conditions. Make sure your tires, lights, and wipers are in good condition.

Why Sablich Insurance Group

As your trusted independent insurance agency, Sablich Insurance Group works with top insurance carriers to find the best protection for your holiday travel. We don’t just sell policies; we help you understand your coverage and how it can support you year-round, including during busy holiday travel. If you’re unsure about your current auto coverage, give us a call—we’ll review your policy and ensure you’re fully protected, so you can focus on enjoying the holidays.

Stay safe and enjoy the road this holiday season with the right coverage by your side. Contact Sablich Insurance Group for a policy review today!

Sablich Insurance Group is licensed in Pennsylvania and New Jersey