Winter Driving Tips to Lower Your Insurance Risk

Navigating Canadian winters can be challenging, but with the right precautions, you can ensure your safety and potentially reduce your insurance premiums. Here are some expert tips to help you drive safely during the winter months and possibly lower your insurance risk.

1. Prepare Your Vehicle

Before the first snowfall, ensure your vehicle is winter-ready:

• Install winter tires for better traction
• Check and replace wiper blades if necessary
• Ensure your battery is in good condition
• Keep your gas tank at least half full to prevent freezing

2. Adjust Your Driving Habits

Winter conditions require extra caution:

• Reduce your speed and increase following distance
• Avoid sudden movements when steering, braking, or accelerating
• Be extra cautious on bridges and overpasses, which freeze first
• Use your headlights to improve visibility, even during the day

3. Plan Your Route

Before heading out, take these steps:

• Check weather and road conditions
• Let someone know your route and expected arrival time
• Keep an emergency kit in your vehicle

4. Take a Winter Driving Course

Consider enrolling in a winter driving course. Many insurance companies offer discounts for drivers who have completed such training, as it demonstrates your commitment to safe driving practices.

5. Maintain a Clean Driving Record

Avoiding accidents and traffic violations during winter months can help keep your insurance premiums low. Safe driving habits are especially crucial during this challenging season.

6. Review Your Insurance Policy

Before winter sets in, review your car insurance policy. Ensure you have adequate coverage for winter-related incidents. Some policies may offer additional benefits or discounts for winter-specific precautions.