Whether you’re planning a family getaway, heading to the lake for the weekend, or just craving a spontaneous road trip with the windows down and music up—summer is made for the open road.
But before you back out of the driveway, it’s worth asking:
Is your vehicle road trip ready? Is your insurance coverage up to date?
Summer travel means more time behind the wheel, more miles between destinations, and more chances for the unexpected to pop up. A little preparation now—under the hood and on your policy—can make all the difference between a smooth ride and a stressful detour.
Take it from CFM policyholders Penny and Parker, who recently spent some time checking off their summer travel prep list. With help from Agent Angie, they made sure their car was in top shape and their coverage was right where it needed to be before hitting the road with their kids in tow.
Now, it’s your turn. Whether you’re traveling across Missouri or venturing beyond state lines, here’s how to prep your car—and your insurance policy—for whatever adventure lies ahead.
Vehicle Prep 101: Keeping Your Car Road Trip Ready
Tip: Download or print this checklist to keep in your glove box!
Before you pack the cooler and playlist, make sure your vehicle is ready for the ride. Here’s what Penny and Parker checked off their list:
Routine Maintenance
Protect your investment—and your passengers—by staying on top of these basics.
- Check oil, brake fluid, coolant, and windshield washer fluid levels and quality
- Inspect tire pressure and tread wear for safety and performance
- Test your brakes and replace worn-out wiper blades for clear visibility and control
Emergency Kit Essentials
A good road trip isn’t just about what’s in the trunk—it’s what’s in the emergency kit too:
- Jumper cables
- Flashlight and batteries
- First-aid supplies
- Extra water, snacks, and sunscreen
- Blankets/rain gear
- Cell phone charger or power bank
- Multi-tool or pocketknife
- Reflective warning triangles or flares
- Tire repair kit or sealant
- Basic mini-toolkit
- Gloves and a poncho
- Ice scraper (if traveling in colder climates)
- Paper map (in case of no cell service)
GPS and Tech Checks
Nothing ruins a road trip like dead batteries or glitchy navigation.
- Update your navigation apps or GPS
- Pack working chargers and power banks
- Check any in-car tech systems ahead of time
Reviewing Auto Insurance Before You Go
While Penny made sure the snacks were packed, Parker checked in with Agent Angie to review their policy. Here’s what they looked at—and what you should too:
Double-Check Coverage
Are you covered if something happens far from home?
- Review liability limits
- Consider adding collision or comprehensive coverage if you don’t already have it
- Make sure roadside incidents and rental vehicles are part of the plan
Roadside Assistance Plans
Flat tire? Locked keys? Dead battery in the middle of nowhere?
Penny and Parker added roadside assistance to their policy for just-in-case peace of mind—and it’s something every road tripper should consider.
Rental Car Coverage
If you’re flying to your destination and renting a car, check with your agent to see if your auto policy extends coverage—or if you need a temporary add-on.
Common Travel Scenarios and How Insurance Has Your Back
No one wants their road trip derailed, but if it happens, your coverage should help you keep moving forward.
Accidents Far from Home
Out-of-state fender bender? Your auto insurance travels with you.
CFM’s policies help take care of repairs and liability coverage, even when you’re miles from your home zip code.
Unexpected Breakdowns
Whether it’s a dead battery or a blown tire, roadside assistance can save you from spending hours stranded. Penny and Parker were especially glad they had this during their last summer trip.
Stolen Belongings
If your luggage or gear is stolen from your car, your homeowners or renters policy may step in to help recover the loss. It’s one more reason why keeping all your coverage updated matters.
Enjoy the Journey with Peace of Mind
Penny and Parker are now road trip ready—and so is their CFM Auto Policy. With their car checked, their bags packed, and their coverage tuned up, they’re cruising into summer with confidence.
Whether you’re hitting Route 66 or exploring your own backroads, make sure your car and coverage are ready for the ride.
Call your CFM Insurance agent today to review your auto policy before you hit the road. Safe travels and unforgettable memories await!
