Preparing Auto Insurance Clients for Summer Travel Risks

It’s Summer Travel Time, Are Your Clients Covered?

As temperatures rise and school lets out, millions of Americans are hitting the road for summer vacations. Whether it’s a cross-country road trip or a quick weekend getaway, this season brings a noticeable spike in travel—and with it, an increase in insurance-related risks. Now is the ideal time to check in with your auto insurance clients and ensure their auto coverage is up to date and ready for the miles ahead.

Common Summer Travel Risks

More Traffic, More Accidents
Summer is peak travel season, which means more drivers on the road—and a higher likelihood of accidents. According to the National Highway Traffic Safety Administration (NHTSA), accident rates tend to rise during summer months. Ensuring your clients have the proper liability coverage is critical.

Breakdowns & Repairs
Hot weather can be tough on vehicles. From overheated engines to worn-out tires, summer travel can bring unexpected mechanical issues. These problems often lead to costly roadside breakdowns, delays, and stress—especially if clients aren’t prepared.

Rental Car Confusion
Many travelers rent cars for summer trips, but not all of them understand how their insurance works in these situations. Does their existing auto policy cover rental vehicles? Do they need additional coverage through the rental company? These are questions you can proactively help answer.

How to Help Clients Stay Protected

• Review Policy Limits
  Make sure clients have adequate liability, comprehensive, and collision coverage for both local and out-of-state travel.

• Promote Roadside Assistance
  Offer add-ons that include towing, jump-starts, and lockout services—especially valuable during road trip season.

• Clarify Rental Coverage
  Explain how their policy applies to rental cars or if they should consider a temporary coverage upgrade.

Send a “Summer Road Trip Insurance Checklist” via email or post it to your agency’s social media. It’s a simple way to engage clients, provide value, and stay top of mind during the busy summer season. With a little proactive outreach, you can protect your auto insurance clients, strengthen relationships, and grow your book of business—just in time for peak travel season.

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