Pumpkin spice isn’t the only thing that should be fresh this fall — your insurance check-up should be too!
As the weather cools down, our driving habits and road conditions change right along with it. September marks the start of foggy mornings, shorter days, and even deer crossing season in many areas. These seasonal shifts can lead to more accidents on the road — but with a little prep (and the right insurance), you can keep your fall driving safe and stress-free.
Foggy Mornings & Shorter Days
- Morning fog can reduce visibility, making accidents more likely during school drop-offs and commutes.
- As daylight hours shrink, you’ll spend more time driving in the dark — making working headlights and taillights essential.
- Insurance angle: If you’re in an accident and visibility is a factor, having collision and comprehensive coverage ensures you won’t be left covering the costs alone.
Deer Season = Extra Caution
- Fall is peak deer season in many states. Collisions spike at dawn and dusk as deer cross roads more frequently.
- Even a minor deer strike can cause thousands in vehicle damage.
- Insurance angle: Comprehensive coverage is what pays out for animal collisions — not liability or collision. It’s a good time to check if your policy includes it.
Vehicle Check-Up: Tires, Wipers, and Lights
- Tires: Cooler temps lower tire pressure, which can lead to reduced traction on wet or leaf-covered roads.
- Wipers: Fall rains mean you’ll need streak-free blades to keep visibility sharp.
- Lights: Make sure headlights, brake lights, and signals are working — you’ll need them earlier in the evenings.
- Insurance angle: Preventative maintenance can reduce your risk of accidents — and your claim history matters when it comes to rates.
Fall Driving Safety Recap
- Changing seasons bring changing risks. A quick fall vehicle check and a review of your auto policy can make all the difference. From fog to deer to darker evenings, your insurance should be as fresh and ready as your pumpkin spice latte.
As the air turns crisp and the days darken, your driving landscape shifts in ways that demand both caution and coverage. From morning fog and fleeting daylight to deer crossings and slippery roads, fall’s hazards can appear without warning. But a quick seasonal vehicle check—making sure your lights, tires, and wipers are ready—and a review of your insurance policy can turn hidden dangers into manageable challenges.
Don’t let the season’s surprises drive up your risks or your out-of-pocket costs—refresh your coverage now and hit the road this fall with confidence.