Winter Driving Tips to Lower Auto Costs

California winters bring unique driving challenges, from mountain snowstorms to coastal rain. Understanding how to navigate these conditions safely can help you avoid accidents and keep your auto insurance costs manageable. Here are essential auto insurance tips for 2026 that every California driver should know.

Prepare Your Vehicle for Winter Conditions

Before heading out in winter weather, ensure your vehicle is properly maintained. The California Department of Transportation recommends checking your brakes, windshield wipers, defroster, and heater before traveling. Proper tire inflation and adequate tread depth are critical for maintaining traction on wet or icy roads. Additionally, ensure your antifreeze levels are appropriate for colder temperatures.

Essential Winter Driving Equipment

1. Tire chains that fit your vehicle’s tires correctly
2. Emergency kit with flashlight, blankets, and non-perishable food
3. Ice scraper and windshield washer fluid rated for cold temperatures
4. Jumper cables and a fully charged phone
5. Sand or cat litter for emergency traction

California’s Minimum Auto Insurance Requirements

As of January 1, 2025, California requires minimum liability coverage of $30,000 for injury or death to one person, $60,000 for injury or death to multiple persons, and $15,000 for property damage. These new minimums reflect rising costs associated with accidents. Circadian Insurance Brokers can help you evaluate whether minimum coverage is sufficient for your situation or if additional protection makes sense for your family.

Safe Driving Practices That Reduce Claims

Reducing your claims history helps keep premiums affordable over time. The California Office of Traffic Safety recommends these important practices during winter weather:

1. Reduce speed significantly on wet or icy roads
2. Increase following distance—stopping distances can double in rain and triple in snow
3. Never use cruise control on slippery surfaces
4. Check Caltrans QuickMap for real-time road conditions before traveling
5. Allow extra travel time during winter storms

Ways to Lower Your Auto Insurance Costs

Beyond safe driving, several strategies can help reduce your auto insurance tips for 2026 expenses:

1. Bundle your auto insurance with other policies like home or renters insurance
2. Maintain a clean driving record without accidents or violations
3. Consider higher deductibles if you have adequate emergency savings
4. Ask about low-mileage discounts if you work remotely or drive infrequently
5. Take advantage of defensive driving course discounts

For Californians who cannot afford standard liability insurance, the California Low Cost Automobile Insurance Program offers an alternative at mylowcostauto.com or by calling 1-866-602-8861.

This article provides general information and is not insurance advice.

References

1. Caltrans Winter Driving Tips
2. California DMV Insurance Requirements
3. California Office of Traffic Safety Winter Driving Tips