Winter Driving in Wisconsin: How to Protect Yourself and Your Car

Winter in northern Wisconsin brings snowy roads, icy intersections, and bitter temperatures. Whether you’re commuting to work or heading out for groceries, a little preparation can help you navigate the season more safely.

Protecting your vehicle starts with routine maintenance and careful driving, but it also includes understanding your auto insurance. If your car slides into a ditch, hits a deer, or suffers damage from a falling branch, different coverages may apply.

Before winter arrives, put a little **P.E.P.—Prevent, Evaluate, and Prepare—**into your plans.

1. Prevent: Get Your Vehicle Ready for Winter

A well-maintained vehicle can help reduce the likelihood of a breakdown when temperatures drop. Schedule routine service and address problems before snow and ice make driving more difficult.

Your winter vehicle checklist should include:

• Tires: Check tread depth and tire pressure regularly.
• Battery: Have your battery tested, especially if your vehicle has been slow to start.
• Wipers and washer fluid: Replace worn blades and use washer fluid rated for freezing temperatures.
• Lights: Make sure headlights, brake lights, and turn signals work properly.
• Routine maintenance: Stay current with oil changes and recommended service.

Keep your fuel tank at least half full, as recommended by the Wisconsin Department of Transportation. This is especially helpful when traveling rural roads where fuel stops may be farther apart.

Before leaving, clear snow and ice from your windows, mirrors, lights, and roof. Give yourself extra travel time, slow down for road conditions, and leave more room between your vehicle and the one ahead.

2. Evaluate: Review Your Auto Insurance Coverage

Winter is a good reminder to review your auto insurance. Rather than automatically increasing coverage for the season, make sure you understand what your existing policy covers and where you may have gaps.

Collision Coverage

Collision coverage generally helps pay for damage to your vehicle if you hit another vehicle or an object, such as a guardrail. It may also apply if you lose control on an icy road and your vehicle is damaged in a crash. Your deductible and policy terms apply.

Comprehensive Coverage

Comprehensive coverage generally helps pay for damage from events other than collisions with vehicles or objects. Examples include hitting a deer, falling tree branches, and certain weather-related damage. Glass damage may also fall under comprehensive coverage, depending on your policy.

The Insurance Information Institute explains how these two coverages protect against different types of vehicle damage.

Roadside Assistance

Ask your agent whether your policy includes roadside assistance or whether it can be added. Depending on the plan, benefits may include towing, battery jump-starts, or help with a flat tire. Review service limits and exclusions before you need assistance.

At Jensen-Sundquist, we can help you review your coverage, deductibles, and available options so you’re better prepared for winter driving.

3. Prepare: Plan for Delays and Emergencies

Even a maintained vehicle and a cautious driver can encounter unexpected trouble. Keep your phone charged and let someone know your route when traveling during challenging weather.

Pack a winter emergency kit with:

• Blankets, gloves, and warm clothing
• An ice scraper, snow brush, and small shovel
• A flashlight and extra batteries
• A phone charger or portable power bank
• A first-aid kit
• Drinking water and nonperishable snacks
• Sand or kitty litter for traction

For more preparation guidance, visit the National Highway Traffic Safety Administration’s winter driving tips.

Check weather and road conditions before leaving, and postpone nonessential trips when conditions are hazardous.

Prepare for Winter with Jensen-Sundquist

Winter driving in northwestern Wisconsin takes planning. Vehicle maintenance, emergency supplies, and a clear understanding of your insurance can help you feel more prepared for the months ahead.

Contact Jensen-Sundquist to request an auto insurance quote or discuss coverage options for your vehicle.

Frequently Asked Questions About Winter Driving and Auto Insurance

Does auto insurance cover accidents caused by icy roads?

Collision coverage generally helps pay for damage to your vehicle following a crash on an icy road, subject to your deductible and policy terms. Liability coverage generally pays for covered injuries or damage you cause to others; it does not pay to repair your own car.

Does comprehensive insurance cover hitting a deer?

A direct collision with a deer is generally covered by comprehensive insurance. If you swerve to avoid a deer and hit a tree or another vehicle, collision coverage generally applies instead. Your deductible and policy terms determine how a claim is handled.

Does car insurance cover damage from falling branches or ice?

Comprehensive coverage generally covers damage from falling objects, including branches and ice. Coverage is subject to your policy terms and deductible.

Should I review my auto insurance before winter?

Yes. Reviewing your policy can help you understand whether you have collision, comprehensive, and roadside assistance coverage. Your agent can also explain your deductibles and help you decide whether changes make sense for your needs.

What should I keep in my car during a Wisconsin winter?

Keep warm clothing, blankets, a shovel, an ice scraper, a flashlight, a phone charger, first-aid supplies, water, and nonperishable snacks in your vehicle. Check supplies regularly and replace anything used or expired.