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1. Make Sure Your Tires Are Winter‑Ready

Your tires are your vehicle’s first line of defense against slippery, snow‑covered roads.
Good tread and proper inflation help maintain traction and improve steering response.

What to do:

• Check your tire tread depth—replace tires that are worn or uneven.
• Verify inflation at least once a month, especially during extreme temperature swings.
• If you frequently drive on rural roads or through heavy snowfall, consider switching to winter tires. Their specialized rubber and tread patterns perform better in freezing conditions.

2. Keep Your Gas Tank at Least Half Full

Cold weather can cause condensation to form inside your fuel tank, which may lead to fuel line freeze‑ups—a common winter headache.

Keeping your tank half full:

• Helps prevent moisture buildup
• Ensures you have enough fuel if you hit slow traffic, closures, or long delays
• Provides peace of mind during unexpected winter emergencies

3. Pack a Useful Winter Emergency Kit

A well‑stocked emergency kit can make a stressful situation much safer—and more comfortable—if you become stranded.

Include items such as:

• Warm blankets or an extra winter coat
• Flashlight and backup batteries
• Jumper cables
• Small shovel and ice scraper
• Non‑perishable snacks and bottled water
• Portable phone charger
• Sand or cat litter for added traction under stuck tires

Even if you never need it, you’ll be glad you have it.

4. Slow Down and Increase Your Following Distance

Snow and ice significantly increase stopping distances—even for vehicles with all‑wheel drive.

Safe winter driving habits include:

• Reducing your speed during snow, sleet, or icy conditions
• Leaving extra space between your car and the vehicle ahead
• Avoiding sudden braking or sharp steering movements
• Allowing more time to accelerate on slick surfaces

Smooth, steady inputs are key to keeping control on winter roads.

5. Understand Your Auto Insurance Coverage

If winter weather leads to a collision, slide‑off, or vehicle damage, knowing your policy ahead of time can help you handle the situation with confidence.

Check for:

• Collision coverage – for damage caused by sliding on ice or hitting another vehicle
• Comprehensive coverage – for damage from falling ice, hail, or wildlife
• Towing and roadside coverage – especially valuable during winter breakdowns
• Rental reimbursement – helpful if your vehicle needs repairs after an accident

If you’re unsure what your policy includes, your agent can walk you through your coverage and help identify any gaps before winter weather strikes.

Stay Safe This Winter

Preparation is one of the best ways to protect yourself and your vehicle during the unpredictable Midwest winter season. By taking a few proactive steps, you can drive with more confidence—no matter what the weather brings.

If you ever have questions about your auto coverage or want help reviewing your policy, our team is here to help. Stay safe, stay warm, and enjoy the season responsibly.