Planning a road trip this summer? Before you hit the highway, there’s one essential item you shouldn’t overlook—your insurance coverage. Whether you’re driving across the country or exploring scenic routes nearby, making sure your policies are up to date can save you from major setbacks.
Here’s a checklist of insurance updates and tips to consider before you pack your bags.
1. Review Your Auto Insurance Policy
Start by checking that your auto insurance covers all the states or countries you’ll be visiting. Some policies have territorial limits or restrictions.
Also confirm:
- You have collision and comprehensive coverage, not just liability
- Your deductibles are still right for your needs
- Your policy includes roadside assistance for flat tires, breakdowns, or towing
If you’re renting a car, ask whether your insurance extends to rentals—or if you should get temporary coverage.
2. Add or Update Drivers
If someone else will be driving during the trip (like a partner, friend, or older child), make sure they’re listed on your policy. Some insurers may deny claims if an unlisted driver is behind the wheel.
3. Update Emergency Contact Info
Summer trips often mean long distances. Updating your emergency contact details ensures fast coordination if something happens while you’re away.
Many insurance apps let you do this in minutes.
4. Consider Travel Insurance
If your road trip includes hotel stays, tours, or prepaid activities, travel insurance can offer trip cancellation, medical, and personal item coverage. It’s especially helpful if your trip crosses borders.
5. Use Your Insurer’s Mobile App
Download or update your insurance app before you go. Most apps now let you:
- Access your digital insurance card
- File claims with photos
- Track claim status
- Contact roadside assistance with GPS tracking
Having it ready can speed up any issue that arises while on the road.
Final Thoughts
Road trips are about freedom, exploration, and fun—but the unexpected can still happen. Taking a few minutes to update your insurance could prevent hours of stress later.
In 2025, insurers offer more tools than ever—from mobile apps to on-demand coverage—so you can travel smarter, safer, and with total peace of mind.