Summer Road Trips & Car Insurance: What You Need to Know Before You Go

Ray Cogan

Here’s what you need to know about Car Insurance and Summer Driving.

Summer is the perfect season for road trips. Whether you're planning a weekend getaway to the lake, a cross-country journey, or a scenic drive through Maryland’s busy highways, there's one crucial piece of your travel prep that should never be overlooked—car insurance. ***

At Lindquist Insurance, we know how important it is to feel protected while enjoying the freedom of the open road. Before you pack your bags and hit the highway, here’s what you need to know about car insurance and summer driving to ensure peace of mind every mile of the way.

1. Review Your Current Car Insurance Policy. Before heading out, take a few minutes to review your current car insurance policy. You may be surprised to learn that your existing coverage doesn’t protect you as thoroughly as you think, especially if you're crossing state lines or adding extra drivers.

Here’s what to look for:

Liability Coverage: Does your policy meet the minimum requirements for the states you’ll be driving through?

Comprehensive & Collision: If your car is damaged by a storm, theft, or an accident, will your policy help you repair or replace it?

Medical Payments or Personal Injury Protection: These cover medical expenses in case of injury during a crash—essential for long trips.

Uninsured/Underinsured Motorist Protection: If you're hit by a driver with no insurance (or not enough), this can save you from out-of-pocket costs.

If you’re unsure about your coverage, your local insurance agent at Lindquist Insurance can help you review and update your policy before your trip.

2. Add Temporary Coverage or Adjust for Seasonal Needs. Do you plan to rent a vehicle, tow a camper, or switch to a different car for your road trip? These changes may require temporary adjustments to your car insurance.

Rental Cars: Your existing car insurance might extend to a rental but check with your insurer first. Some credit cards also offer rental car protection, which can reduce your need for costly add-ons at the rental counter.

Towing and Roadside Assistance: Summer heat can be hard on tires and batteries. Be sure your policy includes 24/7 roadside assistance to handle breakdowns, lockouts, or flat tires while you're on the go.

Extended Travel: If you’re planning an extended summer road trip, talk to your agent about how long your current policy covers out-of-state travel and what restrictions may apply.

3. Don’t Forget About Teen Drivers or Additional Passengers. Summer is a popular time for families to travel together, and that often means letting your teen or spouse take the wheel. Make sure all potential drivers are listed on your car insurance policy to ensure full coverage.

Teen Drivers: If you’ve got a new driver joining the trip, double-check your policy’s coverage for young drivers. Teens often raise insurance rates due to higher risk, but bundling policies and maintaining good grades may help reduce premiums.

Friends or Relatives: Occasionally, letting a friend drive your car might be fine, but regular use by a non-listed driver could cause issues during a claim.

4. Know the Rules in Other States. Each state has its own car insurance minimums and driving laws. While most standard policies extend coverage when traveling to other states, some exceptions apply, especially in no-fault states or states with unique requirements.

Important points to remember:

Proof of Insurance: Always keep a digital card on your phone or a printed copy in your glove box. Some states require proof upon request.

Out-of-State Accidents: If you’re involved in an accident, your insurer will generally adjust your liability limits to match that state’s requirements—but it’s wise to confirm this in advance.

5. Safe Driving Tips for Summer. While not directly tied to your car insurance, safe driving can help you avoid filing claims and keep your premiums low. Here are a few summer-specific tips:

Watch for Construction Zones: Summer is prime time for road work. Reduce speed and follow posted detours.

Prepare for Heat: High temperatures can cause tire blowouts or engine overheating. Keep your fluids full and your tires properly inflated.

Be Alert: Long drives, changing scenery, and highway fatigue can dull your focus. Switch drivers often, rest regularly, and avoid distractions.

6. What to Do If You’re in an Accident During Your Trip. Even with the best planning, accidents can happen. If you’re in a collision during your road trip:

Stay calm and move to a safe location.

Call 911 to report the accident and request medical assistance if needed.

Exchange Information with all involved parties (names, contact info, insurance).

Document Everything: Take photos of the scene, vehicle damage, and license plates.

Contact Your Insurance Agent at Lindquist Insurance to file a claim or get assistance.

Having a trusted local agent means you’ll never have to deal with claims or questions alone—even if you're hundreds of miles from home.

Before your next adventure, make sure you’re fully protected with the right car insurance. At Lindquist Insurance, we’re committed to helping Maryland drivers enjoy the journey with confidence. Call Lindquist Insurance today at (301) 694-3008 or visit www.lindquisinsurance.com to request a free, no-obligation quote today. Let’s make your first car insurance experience smooth, simple, and stress-free — the way it should be.

We serve the Bethesda, MD, Annapolis, MD, and Washington, D.C. area.

*** For more information on summer vehicle travel, visit the Federal Motor Carrier Safety Administration website.

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