Preparing for Summer Road Trips: Auto Insurance Checklist for Virginia Drivers

Summer road trips are a tradition for many Virginians, and Winchester is a great starting point. Before you hit the highway, taking a moment to review your auto insurance could save you from costly surprises later.

Why a Policy Review Matters Before Travel

More time on the road means more chances for the unexpected. Accidents, storm damage and theft are common risks when you’re traveling. That’s why it’s helpful to revisit key parts of your policy before the season begins.

Make sure your liability limits still align with your financial needs. Many drivers choose to go beyond Virginia’s state minimums for more coverage in case of serious incidents. You might also want to look at your collision and comprehensive coverage, especially if your vehicle is newer or financed. These can help address the cost of repairs or replacement if your car is damaged during your trip—whether from an accident, weather event or break-in.

Other Coverages Worth Considering

For longer trips, it might be time to think about roadside assistance. This coverage can help cover common breakdown scenarios.

Uninsured or underinsured motorist protection is another critical coverage. It may help cover an at-fault driver’s liability for your accident-related damage and medical bills if you’re hit by a driver who doesn’t carry enough coverage.

Before leaving home, confirm that your insurance ID card and registration are up to date and easily accessible.

Learn More

Insurance Center of Winchester in Winchester, Virginia, can walk you through a summer-ready auto policy review. Whether it’s your annual beach trip or a cross-country adventure, we’re here to help make sure your coverage keeps up with your plans. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.