Car insurance is important any time of the year, but when it comes to the winter time, you really need to watch out! There are a number of different hazards when it comes to the winter time. You can wreck your vehicle at any time of the year, but with the added issues of ice, snow and water on the roads, when you wreck in the winter time there is a fair chance that you could be looking at a write off. There are a few more reasons for having good car insurance over the winter however.

During the holiday season it is customary to go on long trips. You might be going to visit your great aunt Susan, or perhaps you are going to a work related party. Either way it is a very long trip during the winter months, especially when the wind is blowing your vehicle from side to side, the wet sleet pounds against your windshield, and you feel your tires slipping on the frozen asphalt. This all adds up to one thing, danger. Whilst we always hope that nothing will happen, in these extreme conditions, the likelihood is suddenly greatly increased.

If you find yourself in an accident, you will have a bit of a problem. Let's go with the better of two scenarios for a moment. In the first scenario you have car insurance and you can simply call to have the damage paid for. Everyone goes home happy. In the second scenario, you do not have any car insurance to speak of. When this happens you may end up losing your car, depending on how bad the accident actually was. In addition to this, you will have to tell the other person involved that you do not have insurance, and if the accident was your fault, you will have to contend with several angry people – and possibly the police.

On top of that, you will more than likely need to pay for all of the damage. Let's be clear on one thing, car accidents are expensive. Even a simple dent can amount to hundreds of pounds. That being the case, a few quid each month could well save you from needing to pay several thousand in the near future – a no brainer. On top of that, you could even face criminal charges. That's right, there are many countries that require you have automobile insurance before you even set one tire on the road.

If you want to get to your destination safely and without needing to spend your holiday funds on someone else's car, then start looking into car insurance right away! Whether you are driving your own car, or driving a rental car, you will find that car insurance gives you something that cannot be obtained through material possession, it gives you peace of mind. The knowledge that you are covered in the event anything should happen just can’t be replaced. Make sure that you get your car insurance. After all, you don't want to be interrupted on your way to the family Christmas party – you'd never hear the end of it!