Drivers have to be cautious when out on the roads regardless of the weather, but wintery conditions can make driving especially hazardous. Hazardous conditions end up leading to accidents, and accidents in turn can lead to skyrocketing automobile insurance rates. One way to protect yourself (and your insurance premium) is by knowing the terms used to describe winter weather and to be on the lookout for them in the weather report before you go for a drive. Read on to find out what your winter watchwords will be from Wachter!
If a frost or freeze warning has been reported, this means that temperatures under 32 degrees Fahrenheit are expected in the forecast. With driving conditions like this, look out for patches of ice that may make the roadway slippery, as these could easily cause an auto accident.
Winter Storm Watch
If you see a winter storm watch in the forecast, this means that there is a possibility of a winter storm in your area but that it is not a definite. If you will be out driving, be aware that a storm could develop and take that into account if you are planning a long distance drive or a drive on heavily-trafficked, windy roads that are already hazardous on their own.
Winter Storm Warning
A warning is a step up from a watch; in this case, a storm is either occurring or will soon be occurring in your area. Car insurance rates may increase if you are involved in an auto accident due to winter weather, so avoid driving when there is a winter storm warning unless absolutely necessary.
Winter Weather Advisory
A winter weather advisory is a good excuse to stay at home rather than venturing out on the roads; it means that the winter weather, whether snow or ice, is expected to cause significant danger and inconvenience to drivers on the road.
The most serious of the winter weather warnings, a blizzard warning occurs when there are winds gusting to 35 miles per hour or greater and snowfall is restricting visibility. You should NOT drive during a blizzard warning. The potential risks are far too great, and an auto accident suffered in a blizzard may do far more damage than simply increasing your car insurance rate.
Looking for someone to discuss your insurance options with? We’re here to help. At Wachter Insurance, we’ll sit down with you and help you to personalize your home insurance policy so that it works best for you and your needs. Please call us at 301.371.6335, visit our website, or drop by our Middletown, Maryland office to schedule your personal and informative appointment.