Spring is the season of fresh starts—and that includes your car insurance policy. As the weather warms up and road trips and daily drives become more frequent, it’s the perfect time to review your auto coverage. A quick policy checkup now can help you avoid surprises, stay protected, and maybe even save some money. Let’s look into what you should examine and update before driving season kicks into gear.
Start with the Basics: Review Your Coverage Types
Before anything else, make sure you still have the right types of coverage for your needs:
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Liability Coverage: Does your policy meet your state’s minimum requirement—and is it enough to cover a serious accident?
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Comprehensive Coverage: This covers non-collision incidents like theft, weather damage, or vandalism—common risks during spring storms.
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Collision Coverage: Essential if you want help paying for damage to your own vehicle after an accident.
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Uninsured/Underinsured Motorist Protection: Not required in every state, but a smart way to protect yourself if another driver doesn’t have enough coverage.
Check what each of these coverages includes and whether your limits still fit your life and budget.
Consider Seasonal Changes in Driving Habits
Do you drive more in the spring and summer? Plan to hit the road for a vacation? Changes in how often or how far you drive should be reflected in your policy. If you had reduced mileage for winter, let your insurer know if it’s increasing again—especially if you’re on a pay-per-mile or usage-based plan.
Likewise, if you use your car less in warmer months (maybe you bike or walk more), you may qualify for a low-mileage discount.
Update Your Personal and Vehicle Information
Have you moved recently? Added a new driver to your household? Changed jobs or parking locations? Even small details like these can affect your premium and eligibility for discounts. Double-check:
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Your mailing address and ZIP code
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Your employment or occupation
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Where your vehicle is regularly parked (garage vs. street)
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The accuracy of your vehicle info—make, model, VIN, etc.
Keeping your insurer up to date helps avoid claim issues down the road and may uncover new savings.
Revisit Your Deductible
When was the last time you adjusted your deductible? A higher deductible can lower your monthly premium, but make sure it’s still an amount you can comfortably afford out-of-pocket in case of a claim. Spring is a great time to think about your emergency fund and decide if your deductible should change to match.
Ask About Springtime Discounts
Spring means new promotions and updated discount programs. Ask your insurer if you qualify for any of these:
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Bundling Discounts: Combine auto with home or renters insurance.
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Safe Driver Discounts: If you’ve had a clean record recently.
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Good Student Discounts: For high school or college drivers in your household.
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Vehicle Safety Discounts: If you’ve added new features like dash cams or alarm systems.
You might also qualify for lower rates if you’ve improved your credit score or changed to a lower-risk lifestyle or job.
Evaluate Roadside Assistance and Rental Coverage
Spring means more road trips—and more chances for flat tires or unexpected breakdowns. If your policy doesn’t include roadside assistance, now’s a good time to consider adding it.
Also, review whether you have rental reimbursement coverage—this can be a lifesaver if your car needs repairs and you don’t want to pay out-of-pocket for a rental.
Double-Check for Lapses or Renewal Gaps
Make sure your policy is paid up and current. A lapse in coverage—even for a few days—can raise your future rates and leave you vulnerable to fines or uncovered accidents.
Set up automatic payments or calendar reminders so your coverage stays uninterrupted throughout the year.
Consider a Quick Comparison Shop
If you’ve had the same insurance provider for years, you might not be getting the best rate anymore. Use your spring review as a reason to compare quotes from at least three companies. Even if you love your current insurer, you might be surprised at how much you can save elsewhere.
Final Insights
Spring cleaning isn’t just for your closets—your car insurance deserves a refresh, too. Reviewing your policy can help ensure you’re fully covered, uncover hidden savings, and prep your vehicle for all the warm-weather adventures ahead. Take a few minutes to check your coverage now and cruise into driving season with confidence.
