The Deadliest States For Winter Driving

Full list of winter-driving fatalities by state

Winter driving tips

Driving in winter weather is certainly dangerous, and for many Americans, it is an unavoidable part of daily life for a good portion of the year. Because of this, it is important to make sure you, your vehicle and even your auto insurance coverage are prepared for the snowy and icy roads.

Drive carefully: When the weather gets nasty, one of the best ways to keep yourself safe is to adjust your driving habits. Avoid behaviors that increase the risk of getting into an accident, such as speeding, texting while driving and impaired driving. Not only is this good advice from a safety standpoint, but from a financial standpoint as well. Auto insurance rates could increase by as much as 33% after an at-fault accident. Note that the Federal Motor Carrier Safety Administration recommends reducing your normal driving speed by one-half in snowy conditions.

Prepare your vehicle: Making sure your vehicle is prepared could be the difference between life and death this winter. Investing in a good set of snow tires could be well worth the investment if it means avoiding getting into an accident. Additionally, some insurers may offer you a discount for safety equipment, such as winter tires, which can help offset the cost. Additional tips include making sure your vehicle is properly maintained before the winter starts (check the battery, lights and fluids) and storing water and flares in your car in case you are stranded.

Make sure your insurance is ready for the winter: If you have only basic liability coverage, you could be on the hook for damage to your car caused by adverse weather, such as hail or falling tree branches. To be covered under these circumstances, you'll need to have comprehensive coverage. Also consider adding emergency roadside assistance coverage, which covers the cost of extrication if you slide your car into a ditch.