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Stay Safe and Save On Car Insurance This 4th of July

Younis Shuaib

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The Fourth of July is an exciting summer holiday that brings families together for backyard barbecues and fireworks to celebrate America's independence. It's a time to relax, but not having the right car coverage for the Fourth of July could result in a stressful holiday.

Car Coverage for the Fourth of July

Before driving cross-country on a summer adventure to visit family and friends for the Fourth of July, you should review and update your car insurance policy. Not only are there great summer deals and discounts you might be missing out on, but you may also want to adjust your coverage to better suit your specific needs and driving habits.

Full coverage car insurance is an excellent Independence Day car coverage as it provides the most protection. It includes liability insurance, covering the costs of the other party's medical injuries and property damage if you cause an accident. It also consists of collision coverage, which covers your vehicle for repairs if you're at fault, and comprehensive coverage. 

Comprehensive coverage insures your vehicle against unexpected damage, including weather. Comprehensive coverage is a good choice for summer trips where you could run into anything from heat waves to hail storms to hurricanes. And while comprehensive insurance might cover firework damage, it's best to speak with your provider to make sure your policy includes it.

Roadside assistance is another coverage you may want to invest in this summer. This addition ensures someone is there to help you any time you have an unexpected issue, such as a flat tire, running out of gas, or locking your keys in the car.

You may also want to consider renting a car for a long trip instead of driving your own. This may cost a little more, but you'll save your vehicle from the wear and tear of a trip and avoid putting extra miles on it. However, if you choose this option, you'll want to ensure you have the appropriate coverage for your trip.

Safety Tips

Because summer and the Fourth of July are times when many families and friends set out on long road trips, it's important to prioritize your safety. In 2022, July and August were two of the busiest driving months of the year. They also turned out to be the third and fourth deadliest months in terms of motor-vehicle deaths, with both over 4,000. 

Before heading out on a trip, you should take some precautions and make sure you have the right coverage. It's a good idea to bring your vehicle in for a routine maintenance check to make sure there aren't any problems with areas like your brakes, fluids, or windows. Have a mechanic check and rotate your tires if needed. Also, have a spare tire in case of a flat. 

When you're on the road, ensure you and your passengers always wear seatbelts. Allow yourself enough time to get to your destination and make stops if you're feeling tired or need a break. For added security, install a dash cam to record any strange or problematic activity. 

Getting the Right Car Insurance

The best way to enjoy your summer without worrying about your car is to find the right coverage for the lowest price. To save money, shop around and compare prices to find the hot summer deals and discounts. To find the best auto insurance option, try searching with an online insurance marketplace.  

At EverQuote, we help match customers with the best coverage at the cheapest rates. We'll get you in touch with the right agents and carriers to make sure you can find the best summer deal and start saving as soon as possible. Hit continue to maximize your savings while staying fully covered this summer. 

Frequently Asked Questions

Is July 4th a good day to buy a car?
According to some studies, 4th of July is one of the worst times to buy a car because of high demand pushing up prices.
Are there 4th of July specific deals for car insurance?
Based on our data, we don't see any evidence that carriers offer insurance discounts on 4th of July.

🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.