Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 21, 2020

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Things to Remember...

  • It’s best to avoid driving in wintery weather
  • You should always have an emergency survival kit in your car, which includes a blanket, water, and non-perishable food
  • Make sure you keep a small shovel in your trunk in case you get stuck in the snow

The best cheap auto insurance “trick” is to simply use the internet to shop around and compare auto insurance rates online from competing insurance companies. Simply enter your ZIP code in on this page to get started right now.

Now is a great time to not only talk with your auto insurance agent about your coverages and how to handle an emergency situation, but you should also stock your car with a few emergency items.

These items are the things that you will need to turn to in the unfortunate event of a disaster.

Enter your zip code above and start comparing affordable auto insurance quotes now!

Survival Kit


A warm blanket is very important. You can wrap up in a blanket in the event that your car stalls or you end up in a situation where you have no heat.

Hypothermia can kill you, so keeping your body temperature up will keep you from having to deal with a hospital bill on top of your auto insurance claims.


Keep some dry food in a container somewhere in your car. Items like granola, cereal, candy bars, protein bars, and even chips will work here.

While your auto insurance agent may be quick to respond to your issue, emergency staff has to fight through the same cruddy weather that caused you to get into your current situation.

There may be times the road is shut down and you have to camp out in your car overnight. This food will be your source of energy and hunger squashing during these times.

Salt/Cat Litter/Small Shovel

Sometimes all you just slide off the road and have no need to call your auto insurance agent to send a tow truck. There are times all you need is a bit of traction to get back on the road.

Pack a shovel so you can dig your car out of a ditch. Salt is handy for melting ice and snow. Cat litter (the clay kind) works great for giving you the extra traction you may need to get out.

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–Tow Strap

When the cat litter, shovel, and salt fail to get you out of the ditch, a tow strap can become a life-saving device. There are good people out there that may be willing to help you out.

Having your own tow strap on hand makes it that much easier for a passerby to help pull you out of the ditch.

In the event that disaster strikes, one of the very first people you call is your auto insurance agent to file a claim.

The police will also ask you for proof of insurance as part of their regular routine. This is no time to have expired or old insurance cards in your glove box.

Make sure that auto insurance card is current. You will also want to make sure you have current contact info for your auto insurance agent. Calling a number long expired only makes life that much more miserable for you.

Enter your ZIP code below and put your new cheap insurance tricks to good use! Compare auto insurance quotes from top companies now!