If you’ve driven a winter in Iowa, Nebraska, or South Dakota, you know the drill: one day it’s 50 degrees, and the next you’re white-knuckling it down I-29 through a blizzard. Winter driving here isn’t just about skill; it’s about preparation and having the right backup plan.
From our agency to your driveway, here are the essential tips to keep you and your vehicle safe when the roads turn icy.
1. The “Ice” Elephant in the Room
The most dangerous part of winter driving isn’t the snow you can see—it’s the black ice you can’t. Bridges and overpasses freeze first.
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Driving Tip: If you hit a patch of ice, do not slam on the brakes. Take your foot off the gas and steer in the direction you want the front of the car to go. Panic braking locks your wheels and ensures you lose control.
2. Is Your Car Winter-Ready?
Your vehicle needs to be as ready for the cold as you are.
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Tires: All-season tires are great, but if the tread is low, they won’t grip. Check your pressure regularly; cold air drops tire pressure significantly.
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Battery: Cold weather drains battery power. If your battery is more than 3 years old, have it tested before the first deep freeze.
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Gas Tank: Keep it at least half full. This prevents gas line freeze-up and keeps you warm if you get stranded.
3. The Emergency Kit Essentials
We hope you never end up in a ditch, but if you do, waiting for a tow truck can get cold fast. Keep a kit in your trunk with:
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Jumper cables
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A blanket and extra gloves/hats
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A flashlight
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Non-perishable snacks (granola bars, water)
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A small shovel and kitty litter (for traction)
4. Know Your Coverage: “Sliding” vs. “Falling”
Winter accidents happen, and it’s important to know how your policy responds.
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Sliding on Ice: If you hit a patch of ice and slide into a guardrail, a tree, or another vehicle, this is generally covered under Collision coverage.
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Falling Ice/Branches: If a heavy tree branch snaps under the weight of snow and lands on your parked car, or if an icicle smashes your windshield, that usually falls under Comprehensive coverage.
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Towing: If you slide into a ditch and aren’t damaged but just stuck, Roadside coverage is what pays to pull you out.
5. Download the Allstate Mobile App
One of the best tools in your winter arsenal is the Allstate Mobile App. If you have Roadside Assistance on your policy, you can request a tow or help directly through the app. It uses your phone’s GPS to pinpoint your exact location—which is a lifesaver if you’re stuck on a rural road and aren’t sure of the nearest mile marker.
Let’s Do a Quick Policy Check Before the worst of the weather hits, give us a call. We can double-check that you have Rental Reimbursement (so you aren’t walking if your car is in the shop) and confirm your deductibles are where you want them.
Drive slow, leave extra room, and stay safe out there!
