Getting Ready For Summer Vacation

Thursday, May 25, 2017

Going on a road trip this summer?


The summer is a perfect time to spend with the family. More than one-third of all American families will take a vacation this year.

According to a new survey, nearly 90% of all Americans will take some kind of summer road trip.

That is a lot of people on the road! You will want to plan, have great car insurance ,and know when and where you are heading. Navigating the back roads of America is one of the best feelings in the world.

Maybe you are on your way to a National Park like The Grand Canyon, or Yellowstone. Maybe you are hoping to hit the beach somewhere and feel the ocean breeze. Wherever you live in the United States, there is an amazing road trip destination to be found.

Fitting your family members into one car for multiple days at a time may not seem like a fairytale to most of you. But, did you know that family vacations can have long-lasting impacts on children’s happiness?

So, why not pack up the car, grab your sunglasses and see where your heart takes you?


Here are some questions you may need answered:


Do I need car insurance for a rental?

If you plan on renting a car for this epic journey, you will want to check and see if your regular car insurance covers a rental.

Usually rental car coverage covers the following:

  • loss/collision damage waiver- you will be covered if your rental car is stolen or damaged from a crash.
  • liability- covers you if you damage other vehicles in a crash
  • personal accident insurance- This covers medical expenses if you or a passenger is injured in a crash.
  • personal effects coverage- This covers any personal items stolen from the rental car

If you don’t have these things covered already under your cheap car insurance policy, then you can purchase it from the rental company. However, it’s usually cheaper to add it to your regular plan.


Should I use my personal car for our summer road trip?

If you are thinking about taking your own vehicle for this family outing, there are a couple things you should consider.

The first is: How does annual mileage affect the price of car insurance?

  • Some car insurance companies do offer discounts for drivers with lower mileage.
  • Mileage is only part of the ratings factor for your insurance company.
  • Talk to your agent about the mileage discount cutoff. If your car is already over this mileage, you may consider taking your own car.

The Second is: Do I want to put wear and tear on my own vehicle?

  • You will put wear and tear on your vehicle with every mile. Renting is a smart way to save on your engine.
  • If you love your vehicle and you feel safer using it, just remember to get the oil changed, check the tires and top off all of the fluids before you leave.
  • You will also want to make sure you have all of the items necessary to change a tire.
  • Check with your insurance agent about roadside assistance services. This may be beneficial on your road trip.


How much planning should I do?

Planning is a personal thing. However, navigating where you will go and how long it will take you and your family to get there is pretty important. Have you ever tried scanning for a hotel in the middle of the night in a strange town? Not fun, especially if you have kids.

  • Have a rough estimate of where you are going and then you will arrive.
  • Have your hotels mapped out ahead of time.
  • Leave room and time for sight seeing and unexpected stops.
  • Think about traffic. Try and take back roads and remember that in any city, traffic times are around 4PM-7PM.
  • And always remember to do some proper packing before you leave. Having everything ready in advance will really pay off in the end.


How much should we try and fit into one day?

A road trip is supposed to be a vacation. Sometimes, we try and fit too much into our day and we end up more stressed out on our vacations than intended.

A few things to think about when planning how many events you should try and fit into one road trip.

  • How many hours a day do you want to spend driving? Think about your final destination, and then think about how much time you want to be sitting in the car. 3 hours? 6 hours? Talk about it with your family before you begin your trip.
  • Realize that with tourist attractions, come tourists. Crowds can always hold you up. So plan for more time in each location. Take pictures and get a bite to eat. Soak it all in.
  • Make sure you have time for unexpected stops. Maybe an incredible vista comes your way and you just have to pull over. Being too rigid on time can spoil the whole trip. So try and stay flexible.


  • Buy rental car insurance if you don’t already have it.
  • Figure out if your car can handle the journey, and what mileage you will be putting on your own vehicle.
  • Plan ahead, but stay flexible.
  • Don’t cram everything into one day. Remember, this is a vacation, so relax!


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