5 Auto Insurance Tips for Summer Road Trips – Olathe, Overland Park, Lenexa

5 Auto Insurance Tips – Summer is the perfect time to roll down the windows, crank up the tunes, and hit the open road.

But before you head off on that weekend getaway or family vacation, make sure your auto insurance is as ready as your travel playlist.

Here in Olathe, Overland Park, and Lenexa, we often focus on day-to-day driving, but a long-distance trip can expose you to unexpected risks — especially if your coverage hasn’t been reviewed recently.

Here’s our top 5 auto insurance tips to check before you pack up the car.

 

️ 1. Do You Have Comprehensive and Collision Coverage?

While Kansas requires liability insurance, that doesn’t cover your vehicle if it’s damaged while parked at a hotel, hit by hail, or involved in an accident while you’re away.

• Comprehensive coverage protects against theft, fire, vandalism, or weather damage.
• Collision coverage helps if you’re in an accident — regardless of who’s at fault.

Planning to drive through states like Colorado or Missouri? Out-of-state risks are real, especially in unfamiliar areas.

 

2. Do You Have Roadside Assistance?

A flat tire in Lenexa is inconvenient.
A flat tire in rural Nebraska? That’s a full-blown vacation crisis.

Many insurers offer roadside assistance, but it’s not always included automatically. It can help with:

• Towing
• Lockout service
• Battery jump-starts
• Emergency fuel delivery

Check your policy before you leave, not after you’re stranded.

 

3. What’s Your Rental Car Coverage?

If your vehicle breaks down on the road or gets into an accident, will your policy pay for a rental car while yours is in the shop?

You might also rent a car while on vacation. If so, do you know if your current auto policy extends to rentals?
Some do. Others don’t. And relying on expensive rental counter insurance can add up fast.

 

4. Do You Have Enough Liability Coverage?

One of our crucial 5 auto insurance tips is most people only carry the minimum state-required coverage, but that may not be enough if you cause a major accident while traveling.

• Minimums often don’t cover serious injuries or multiple vehicles.
• If you’re sued, your assets could be at risk.

Consider raising your liability limits or adding umbrella coverage to protect your finances.

 

5. Are All Drivers Covered?

If your spouse, teen, or another family member will take the wheel on your trip, make sure they’re listed on your policy.

Also double-check if your coverage changes based on who’s driving.

 

✋ Before You Hit the Road from Olathe, Overland Park or Lenexa…

Road trips are supposed to be relaxing — not stressful. Reviewing these 5 auto insurance tips before hitting the road can help.
Let’s make sure your auto insurance is ready for whatever the road throws your way, whether you’re driving down to Branson, heading west to Denver, or just taking the scenic route through Kansas.

 

✅ Request a Free Quote Before You Hit the Road

At TCG Insurance Solutions, I’ll help you compare coverage options, make sure you’re protected beyond the basics, and find affordable solutions that fit your travel plans and your budget.

Call Paul at (913) 390-3220 or Request Your Quote Online