Spring Car Insurance Tips to Save Money This Season

Winter's grip is loosening, and spring is on the horizon. While warmer weather is a welcome change, it brings its own set of driving challenges — from rain-slicked roads to increased traffic as everyone shakes off cabin fever. Spring is also one of the best times to review your car insurance and make sure you're not overpaying. Here's how to stay protected and save money as the season shifts.

Spring Driving Risks You Might Not Expect

Most drivers associate dangerous roads with winter ice and snow, but spring has its own hazards:

• Potholes: Freezing and thawing cycles throughout winter leave roads riddled with potholes. Hitting one at speed can damage tires, wheels, and suspension — repairs that can easily run $300–$1,000.
• Heavy Rain and Flooding: Spring showers mean reduced visibility and hydroplaning risks. Flash flooding can total a vehicle in minutes, and standard liability-only policies won't cover the damage to your car.
• Increased Wildlife Activity: Animals are more active in spring, especially deer. According to the Insurance Institute for Highway Safety, animal-related collisions spike significantly in spring months.
• More Motorcycles and Bicycles: Warmer weather puts more two-wheeled vehicles on the road. Drivers need to adjust their awareness after months of mostly car-to-car traffic.
• Teen Drivers: Spring break and prom season mean more inexperienced drivers on the road, which statistically increases accident frequency.

Understanding these risks helps you decide whether your current coverage is adequate — or whether it's time to adjust.

Review Your Coverage Levels

Spring is a natural checkpoint to review your auto policy. Here's what to look at:

• Comprehensive Coverage: This covers non-collision damage like flooding, hail, fallen tree branches, and animal strikes — all common spring events. If you dropped comprehensive to save money during winter, now's the time to add it back.
• Collision Coverage: If your car has depreciated significantly, you might be paying more in collision premiums than your car is worth. Run the numbers and consider whether it still makes sense.
• Deductibles: Raising your deductible from $500 to $1,000 can lower your premium by 15–25%. If you have the savings to cover a higher out-of-pocket cost, this is one of the easiest ways to reduce your bill.
• Uninsured/Underinsured Motorist Coverage: With more drivers on the road, the odds of encountering someone without adequate insurance go up. Make sure your UM/UIM coverage is sufficient.

Not sure where your coverage stands? Get a free review from Truvo and see if there are gaps — or savings — you're missing.

Spring Maintenance That Can Lower Your Premiums

Insurance companies reward drivers who reduce risk. A few spring maintenance tasks can directly or indirectly help your insurance situation:

1. Replace Worn Tires: Good tires reduce accident risk, and some insurers factor vehicle maintenance into their risk assessments.
2. Check Your Brakes: After a winter of salt, slush, and stop-and-go driving, your brakes may need attention. Responsive brakes prevent claims.
3. Clean Your Headlights and Replace Wipers: Visibility is everything during spring rain. These are cheap fixes that make a real difference.
4. Install a Dashcam: Many insurers offer discounts for dashcam use, and the footage can be invaluable if you need to dispute fault in an accident.
5. Update Your Mileage Estimate: If you drove less over winter (working from home, avoiding bad weather), let your insurer know. Lower annual mileage often means lower premiums.

Take Advantage of Spring Discounts

Spring is a competitive season for insurance companies, and many offer promotions or discounts you might not know about:

• Bundling Discounts: If you're also shopping for home or renters insurance this spring, bundling with your auto policy can save 10–25%.
• Safe Driver Discounts: If you've been claims-free for three or more years, make sure you're getting credit for it.
• Anti-Theft Discounts: Spring is when car theft ticks up in many areas. Having an anti-theft device can earn you a discount.
• Payment Discounts: Paying your premium in full (annually instead of monthly) often saves 5–10%.

An independent agency like Truvo can check multiple carriers at once to make sure you're stacking every available discount.

Conclusion

Spring is a season of renewal — and that applies to your car insurance too. Take a few minutes to review your coverage, handle basic maintenance, and shop for better rates. The combination of seasonal awareness and smart policy management can save you hundreds over the course of the year. Ready to see if you're getting the best deal? Get a free quote from Truvo and drive into spring with confidence.