We came from Hawaii and has now moved to Evanston, Illinois. We’re wondering, is it true that car insurance rates will go up during winter time?

Angeline & Bradston

Evanston, IL

Yes, winter conditions can definitely cause your car insurance costs to become higher. With the increased risks of getting into a car accident while driving on low-visibility, icy roads, the probability of your car getting stuck in snow or having frozen debris like tree limbs fall and hit your vehicle, and other events like hail or snow storms, you will want to make sure that your auto insurance coverage is adequate to protect you, your family, and your vehicle there in Evanston, Illinois, from loss or damages during this particular season.

Here’s a few tips on how to drive safely during winter and avoid a huge car insurance claim:

• Practice Defensive driving. Avoid tailgating. Be aware of the car in front of you and that it might brake unexpectedly so make sure you keep your distance. Keep head lights on and slow down especially if the roads are foggy or icy to avoid skidding.

• Check your car. Check to make sure your tires have enough pressure. Fill up on gas. Make sure wipers and car heaters are in order. Stored food, water and flashlights come in handy in case you get stuck in snow. You should also check that your car has anti-freeze for the brakes for obvious reasons. It will be a good idea to visit your trusted mechanic at this time.

• Prepare yourself. If you need to go somewhere provide a bigger time allowance in advanced. You don’t know how conditions might become during winter so expect some things to cause you to get delayed. If visibility is poor, (and so is your eyesight), consider stopping somewhere safe or have someone else drive. Ply major roads and highways since their plowed regularly.

I am buying my very first car with my new job here in Illinois IL. My officemates are all telling me to have the car insured immediately. I’m really not looking forward to having to spend again. Can I do without auto insurance?

Nick

Springfield, IL

I hate to be the bearer of bad news, Nick, but you are required to have insurance prior to car registration. But, don’t fret, this seemingly bad news can prove to be very useful in the future.

You will be required a liability coverage, at the minimum, when you register in Springfield. Liability coverage offers protection for you when you have caused injury to somebody else because of a collision. In other words, when you are the one responsible for the collision, you will be required to pay for the damages you have caused to the aggrieved party. Liability coverage will be used in this case and you can be penalized for non-compliance if you were found to be without one. That would be a double whammy since you not only have to pay for all the expenses of the damages from your own pocket; you also have to pay a considerable amount for non-compliance.

Although you are only required a liability coverage, it will be good for you to also explore the many other types of auto insurance. You may want to shop online for free quotes – you can do so on this page by entering your zip code on the space provided. Or you may want to set up an appointment with a local insurer in Springfield Illinois IL.

The other types of auto insurance are collision and comprehensive. Collision coverage will pay for the damages your car has sustained due to a collision, and can be bought as an addition to liability coverage. Comprehensive coverage includes all the features of liability and collision, plus any damages the vehicle may have had due to fire, storm, theft or vandalism.

You may not see the wisdom of getting auto insurance now but it can serve you well in the long run.