Winter driving tips

Before colder weather sets in, consider these tips to ensure you and your family remain safe while you're out and about this winter.

Winterize your car before cold weather starts

Check your oil and replace your antifreeze. Be sure the heater, brakes, lights and wipers are in good working order. Also, check your tires for excessive wear or other damage, and be sure they're properly inflated, as tire pressures decrease along with outdoor temperatures.

Keep your windows clear

Completely remove snow and ice with a scraper before you drive, even if you are just traveling a short distance. Also be sure the defroster is working properly so your vision won't be obstructed.

Always keep the dangers of snow and ice in mind

Elevated roadways freeze over first, so use extra caution on bridges and overpasses. Small accumulations of snow or ice can be even more dangerous than larger amounts. Snow and ice can melt as the temperature rises during the day only to refreeze as glazed ice when temperatures dip below freezing again.

Maintain a safe driving distance

You should increase the distance from the vehicle ahead of you according to road conditions. Many needless rear-end collisions occur on icy streets because drivers forget to leave additional stopping distance during winter.

Be prepared for the worst

Never drive with your fuel gauge near empty - especially during winter months. The last thing you want is to have to walk in winter weather to search for a gas station. If you're traveling outside of town and become stranded, stay in your car and wait for help. To keep yourself warm, you can use your vehicle's heater sparingly as long as you have plenty of ventilation. Also be sure to move your arms and legs occasionally to maintain circulation and body warmth if you're stranded for an extended period.

Pack your car with these items in case problems arise:

  • Warm clothing, gloves, and hats.
  • Blankets or sleeping bags.
  • Cell phone and charger.
  • Nonperishable food and water.
  • A flashlight and a set of new batteries.
  • Matches and candles.
  • A first aid kit and important medications.
  • An ice scraper.
  • Jumper cables.
  • Warning devices such as flares or battery-powered flashers.

Protect yourself

The odds of being in an accident with your vehicle increases during the winter months. If you have questions about auto insurance or would like to review your current policy, call one of our Insurance Advisors today at 1-800-443-6316.


Insurance products are offered through Think Insurance (MN license # IA-538), not Think Mutual Bank. Insurance products are not FDIC insured, are not insured by any federal agency, and are not a deposit or guarantee of Think Mutual Bank.
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Insurance products are offered through Think Insurance (MN license # IA-538), not Think Mutual Bank. Insurance products are not FDIC insured, are not insured by any federal agency, and are not a deposit or guarantee of Think Mutual Bank. This is not a policy. For a complete statement of coverages and exclusions, please see the policy contract.

The financial advisors of Think Financial Planning offer securities and advisory services through Commonwealth Financial Network®, member FINRA/SIPC, a Registered Investment Adviser. Investments are not insured by the FDIC and are not deposits or other obligations of, or guaranteed by, any depository institution. Funds are subject to investment risks, including possible loss of principal investment. Think Mutual Bank is not a registered broker-dealer or Registered Investment Adviser. Think Mutual Bank and Commonwealth are separate and unaffiliated entities. Fixed insurance products and services offered by CES Insurance Agency, Think Insurance, or Think Financial Planning. Think Financial Planning is headquartered at 5200 Members Pkwy NW, Rochester, MN 55901. Check the background of this firm on FINRA's BrokerCheck.

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