The holidays are a season of road trips, family visits, and busy highways. It’s also one of the most important times of the year to take a closer look at your auto insurance policy.
From increased travel risks to changing vehicle values, there are many reasons why reviewing your coverage before the holidays can protect your finances—and possibly save you money.
At PDR Insurance, we help drivers make sense of their policies and find better coverage options. Here’s why now is the perfect time for an auto insurance review.
1. Roads Are Busier (and Riskier)
According to the National Highway Traffic Safety Administration, accident rates spike during November and December due to higher traffic, weather conditions, and distracted driving.
If you haven’t looked at your coverage lately, make sure your liability and collision limits are high enough to protect you in case of an accident. Many older policies may have limits that no longer reflect current repair costs or medical expenses.
2. You May Qualify for New Discounts
Insurance companies frequently update their discount programs. You could save simply by updating your information.
Check for savings related to:
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Bundled home and auto policies
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Safe-driver programs
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Good student discounts
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Low-mileage or telematics tracking apps
Our agents at PDR Insurance can review your policy and ensure you’re taking advantage of every available discount.
3. Protect New Vehicles and Drivers
Adding a new car to the family? Maybe a teen just got their license? These changes can significantly affect your premiums and coverage needs.
Before the holiday rush, confirm that all vehicles and drivers are properly listed on your policy. Missing or inaccurate information can lead to denied claims in the event of an accident.
4. Review Comprehensive and Collision Coverage
Comprehensive coverage protects you from non-collision losses—like hail, theft, or hitting a deer (a common fall hazard). Collision coverage, on the other hand, covers damage from accidents.
If your vehicle is newer or recently financed, both are essential. But if your car is older, it might make sense to adjust your coverage and save money.
We’ll help you balance cost and protection based on your car’s current value.
5. Check Your Deductibles and Limits
Rising repair costs mean your current deductibles or coverage limits might not provide the protection they once did. A quick review ensures your policy aligns with your financial comfort level—so you’re not paying too much out of pocket if the unexpected happens.
6. Update Contact and Payment Information
During the holidays, mail delays and travel can make it easy to miss renewal notices or payments. Confirm that your insurer has the correct address, phone number, and preferred payment method to avoid any lapses in coverage.
7. Consider Roadside Assistance or Rental Coverage
Traveling for the holidays? Roadside assistance and rental reimbursement coverage can be a lifesaver if your car breaks down far from home.
Our agents can help you add these affordable extras for peace of mind during your holiday travels.
Why Drivers Trust PDR Insurance
At PDR Insurance, we believe insurance shouldn’t be confusing. Our agents work closely with you to review, explain, and optimize your policy—without the jargon. We compare rates across multiple carriers to find the best protection at the best price.
Whether you’re insuring one car or an entire family fleet, we make sure you’re covered for every mile.
Schedule Your Auto Insurance Review Today
Before you hit the road for the holidays, schedule a quick auto insurance review with PDR Insurance. We’ll help you identify savings, fill coverage gaps, and ensure you’re fully protected for the season ahead.
Call today or request a consultation online—it only takes a few minutes to gain peace of mind for every trip.
FAQ
Q: How often should I review my auto insurance policy?
A: Once a year or anytime you buy a new car, move, or add a driver.
Q: Can reviewing my policy really lower my premium?
A: Yes—many drivers find better rates or discounts simply by updating their information or bundling policies.