While Arizona winters may seem mild, winter driving mistakes in Arizona can still lead to serious accidents and higher insurance premiums—especially in northern cities like Flagstaff and Prescott. With February marking National Car Insurance Day, it’s the perfect time to review your auto policy and adopt safer winter habits.
Here are five common winter driving mistakes in Arizona that could raise your car insurance rates:
1. Not Clearing Off All the Snow from Your Vehicle
Even in Arizona, snowstorms can surprise drivers in higher elevations. If you only clear your windshield and neglect the roof, hood, or trunk, snow can slide down and block your view mid-drive. This is not only dangerous—it could result in a fine or be considered negligence if it causes an accident.
2. Wearing Bulky Clothing Behind the Wheel
Thick gloves, puffy jackets, and snow boots may be necessary outside, but they can impair your ability to steer or accurately use the pedals inside your car. Instead, use your car’s heating system and store extra layers in the back seat.
3. Driving Too Fast for Road Conditions
Posted speed limits are meant for clear, dry roads. On icy or slushy roads, even driving the speed limit can be too fast. If you cause an accident while speeding in winter conditions, your insurance company may label you a high-risk driver—which means higher premiums.
4. Following Too Closely on Slippery Roads
In wet or icy conditions, stopping distances increase significantly. Tailgating makes it more likely you’ll cause a rear-end collision. In snowy or icy conditions, leave at least 5 to 8 seconds of distance between you and the car ahead—more if ice is present.
5. Skipping Winter Car Maintenance
Even in mild Arizona winters, a winter check-up is a smart move. Worn tires, damaged wiper blades, and bad brakes can be a recipe for disaster. Preventative maintenance not only protects your safety but also helps you avoid claims that might increase your premiums.
Stay Ahead of the Storm: Know the Forecast
Weather can change quickly in Arizona’s higher elevations. Before heading out, check real-time road conditions and storm alerts with the Arizona Department of Transportation (ADOT) or the National Weather Service – Flagstaff Office. Being informed can help you avoid weather-related accidents—and costly insurance claims.
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