Car Insurance for the Summer

Summer car insurance will protect your car during your summer adventures. For summer car insurance, you should carry collision and comprehensive coverage and consider roadside assistance.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

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Here's what you need to know...

  • Car insurance will help you have a fun and unforgettable summer even when facing challenges
  • Getting your vehicle ready helps to avoid facing avoidable problems during the trip
  • Driving tips will keep you safe throughout the season

Most people get excited over the arrival of summer.

Do you intend to travel using your car? Is the insurance prepared for all the events you’ve planned and more?

Your insurance should be ready to cover all your enjoyable summer outings, including the unforeseen events.

It’s crucial to do a comparison of all the policies you intend to buy so you can get the best affordable ones. Let’s look at some types of car insurance you’ll need this summer.

If you want to check on more affordable auto insurance rates first, start comparison shopping today by entering your ZIP code above!

Your Car Gets Stuck at a Beach

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Would you rather use a shovel or buckets to dig the car out once it gets stuck on the sandy beach? At some point, you may need to pay for a tow if all your efforts don’t yield positive results.

But, if you have roadside assistance coverage, your insurer will dispatch a wrecker immediately so your car can be towed onto solid ground.

Roadside assistance is provided by many auto insurance companies, so be sure to get it especially if you plan on enjoying the summer at a beach.

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The Travel Trailer is Wrecked in an Accident

The auto liability insurance will most likely cover most risks you may encounter while away from home.

However, you may need to get collision insurance for covering you in case you are in a wreck. The comprehensive coverage kicks in if the trailer is destroyed in a storm.

If your travel trailer is new, consider having total loss replacement coverage as it will protect you from depreciation.

Kids Hit Your Car While Playing 

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The parents could offer the money you need to cover all the damages or their homeowner’s insurance liability portion may cover the cost.

If there is no solution, consider turning to your car’s comprehensive coverage that covers losses that weren’t sustained in a collision.

The Tires Blow and Damage the Car While on a Road Trip

A comprehensive coverage comes in handy during this time.

If you don’t have this insurance coverage, you’ll have to settle the costs using your money.

If your auto is drivable, and you have the roadside assistance coverage, the insurer can send someone to put the spare on the car. They may also tow the car to a place where repairs can be done.

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You Run out of Gas, or the Car Breaks Down During a Road Trip

Roadside assistance coverage can get you out of trouble.

Most policies can get the gas delivered, have the car towed to the nearest repair shop, or have the engine jump-started at no extra costs.

In case you’re stranded far from home, premium programs provide trip interruption coverage by paying for:

  • Alternate transportation
  • Hotels
  • Meals

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Importance of Having Insurance Coverage During the Summer

  • You’ll get to enjoy your summer without worrying.
  • If faced with challenges, your insurer will handle everything on your behalf.
  • You will not incur extra expenses that you hadn’t planned for.
  • You will get compensated when damages occur. Just make sure that you compare various quotes from different issuers to get affordable policies.

Getting the Car Ready for Summer

Other than having the auto insurance coverage, ensure that your car is ready for the summer trip.

Some of the things you can do include:

  • Checking your tires – ensure that the tires aren’t worn, and the tire pressure is right. Consider conducting a penny test to help you determine if you require new tires.
  • Rotating the tires – while driving on the road, the tires are bound to experience wear and tear. You can extend their life by rotating them often.
  • Changing fluids – from power steering to oil, ensure that you have inspected the car fluids. Be sure to change them if need be so that the car will run properly. Find out if your auto needs heavyweight oil or not as it can help the engine a lot in hot weather.

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Summer Driving Tips

Now that you have the insurance coverage and the car is ready, you need some summer driving tips.

Summer is one of the most dangerous driving seasons so you require all the help you can get to stay safe.

Consider these tips:

– Do Not Exceed the Car’s Payload Capacity

The owner’s manual contains all the information on the maximum weight of passengers and cargo the vehicle can carry safely. There is no need to risk getting into an accident for exceeding the auto’s capacity.

Also, before you leave for your destination, ensure that you can see out of all windows.

– Manage the Heat and Glare

Make sure you use a sun shield beneath the windshield each time you park the car to help keep the heat on the car’s interior down.

Don’t leave a pet or a child unattended in the car. The summer sun may also dehydrate you, so bring plenty of water.

– Stay Safe During Summer Storms

Sunshowers and summer storms must be handled with extreme caution.

The roads tend to become very slippery especially after the first few minutes of the rain because it mixes with dirt and oil on the road.

– Share the Road

You’ll notice that there are more motorcycles and bicycles on the road due to the warm weather.

To avoid collisions, ensure that you:

  • Increase the following distance to more than five seconds if you are on a motorcycle.
  • Don’t share lanes with motorcycles.
  • Scan the roadway in front, to the sides and the rear constantly for bicyclists and motorcyclists.
  • Follow all road signs and watch out for workers or pedestrians.

– Manage Summer Allergies

Allergy symptoms that affect most people during the summer can be very distracting when driving. Some of them include:

  • Frequent sneezing
  • Runny eyes
  • Exhaustion
  • Congestion

Additionally, over the counter prescriptions for dealing with such symptoms have ingredients that can make you drowsy.

Avoid driving if you can or talk to your pharmacist or doctor to ensure that the medications won’t affect your energy and alertness.

Insurance coverage, preparing your car for the trip, and driving tips are all important and will help you during any summer excursion. Follow all the tips and have an amazing summer this year!

If you are also looking for better auto insurance rates, start comparison shopping by entering your ZIP code below!

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