Winter driving means black ice, slippery roads, and impaired visibility - all hazards when behind the wheel. Here are some tips for driving effectively this winter season:

1. Be alert and pay attention. Consider driving with your headlights on during the day, particularly when weather conditions decrease visibility. You′ll see better and others will see you!
2. Check weather conditions before heading out, and allow extra time when the weather is bad.
3. To minimize the changes of hitting a vehicle in front of you on winter roads (when braking and stopping time generally decreases), keep a four-car distance from other vehicles.
4. If you park outside when it snows, take the little bit of extra time to raise your windshield wipers off your windshield. Not only will this prevent any surprises when you need to use them, it will prolong the life of your wipers.
5. Make sure you have a charged cell phone in case of emergencies, and if you require it, be sure to pull off the road before using. Also, carry extra windshield wash in your vehicle just in case you run out.

Remember, if the weather is too bad, a delay in your trip might be warranted. With careful attention to the importance of safe driving, you′ll help to reduce the likelihood of having to make an insurance claim, thereby keeping your insurance costs lower.

Questions? Contact Pottruff & Smith Insurance Brokers Inc., the endorsed administrator for the CPSA Insurance program, at 1-888-281-2772, cpsa@pottruffsmith.com, and www.pottruffsmith.com/cpsa.