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Here are a few things you can do to
make sure your auto insurance will cover your vehicle
throughout the trip - and help keep your premium low
after the trip.
- Make sure you have current
coverage. If you pay your monthly installment
premium with a check (not an automatic withdrawal
direct debit from your bank), you should have a plan
to either pay for a few months before you leave or
set up automatic withdrawals from your checking account.
This way even if you forget about your car insurance
while you’re traveling, the payments have been
taken care of.
- Carry your insurance card.
Even though it’s illegal to drive without carrying
proof of car insurance in your vehicle, many people
simply forget to put the new card in to replace the
old insurance card. Before you leave make sure that
you have proof of current insurance somewhere in your
vehicle. If you don’t, find the nearest fax machine
and call your insurance company and have them fax
proof of insurance directly to you.
- Are you traveling with a friend?
Will they be doing any of the driving? Even if your
insurance company will cover a friend driving your
vehicle, it’s a smarter idea still to make sure
your friend(s) have current car insurance of their
own. If your vehicle is in an at-fault accident and
your friends aren’t insured on your vehicle or
carry their own policy, regardless of who was driving
the claim will be filed against your insurance company
and may ultimately be on your insurance file as a
claim.
- Speeding tickets and moving
violations. Even if these violations do not have
an immediate impact on your auto insurance premium,
they eventually will. It’s not easy to go the
speed limit all of the time especially on a road trip,
but, slowing down may save you unnecessary speeding
tickets and a premium increase when your auto insurance
policy comes up for renewal.
There are many other things
you need to pack and plan for when traveling on a road
trip, the last concern of yours should be wondering
where your car insurance card is, or if you’re
even covered. If you follow this article you’ll
know where that card is, have current coverage, know
if your friends have their own car insurance, and hopefully
- avoid speeding tickets.
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