With plenty of fluffy winter snow already falling and Black Friday just around the corner, signs are all around that the holiday season is upon us. Unfortunately, along with holiday tidings and time with family and friends, the holiday season brings an increase in road safety hazards.


From parking lot chaos to bumper-to-bumper traffic, the holiday season can be harrowing for drivers out searching for holiday gifts. But planning ahead can make sure you’re protected for every possible scenario.   


At Value Plus Insurance, we’re an insurance brokerage company committed to helping Minnesota and Wisconsin residents get the right coverage. Here’s what you need to know about planning ahead for your auto insurance this holiday season.

Holiday Driving Hazards

Beginning with Black Friday shopping, the rate of auto accidents goes up each holiday season. With more drivers out on the road and plenty on everyone’s minds, it all adds up to an increased risk of auto collisions.


These are some common causes of holiday insurance claims to watch out for:

1.    Parking Lot Collisions

Parking lots can be hazardous during the holiday season. Even though you’re traveling at low speeds, parking lots can be chaotic places filled with cars fighting over parking spaces and pedestrians everywhere.

2.    Black Friday Accidents

Every year, drivers are involved in accidents while on their way to and from Black Friday sales. The allure of Black Friday deals is strong enough to compel thousands of shoppers each year to camp out before dawn and wait in incredibly long lines. It also means distracted and drowsy drivers out on the road.

3.    Holiday Road Rage

The holiday season can be an emotional time due to both increased financial and family pressures. Road rage is a very real concern any time of year, but especially during the holiday season.


4.    Car Break-Ins and Auto Theft

Auto theft is on the rise every holiday season thanks to criminals looking for a quick, easy score. But in addition to car theft, criminals also frequently break into cars looking for electronic equipment and holiday gifts to pawn. In the process, they break windows and cause serious damage to vehicles with little regard for the expense it will cost car owners.

Contact Our Minnesota Auto Insurance Brokerage Company

No one hopes to file an insurance claim during the holidays. But if you do get into an accident this holiday season, be sure to record the location, take photos with your phone, and record any witness information.


To update your auto insurance policy and make sure you’re getting the best rate, give us a call at 952-435-0550. Or contact us on the web to get a free quote on auto insurance rates today.