I get a bit nervous in the first snow storm of the year because a lot of drivers are new and/or have forgotten how to drive on snow/ice with our 9 month pause each year, including me. We're supposed to get hit with a pretty harsh snow storm in the next few days, and then have another one predicted to start after that one ends.
Last winter the first time it really snowed there were 4 vehicles off the road and 1 in the ditch on the way to work over a 500' elevation section of road. I turned around & went home & put in paid time off for work. I'll do the same next time the universe sends a sign like that, but just in case I'm the first to slide & glide off I pay extra ~3 months when we have a bad winter.
I use the state's DOT traffic map cameras app that updates images every 5 minutes to see if the roads look safe, what kind of traffic there is ( commuters vs. snow plows) and have a very flexible schedule for commuting, so try to be prepared. Am I over-reacting with adjusting insurance coverages?
As soon as i saw up to 9" of snow forecasted I opened up my insurance app, raised the coverages & lowered the deductibles. Is this normal or does it look fishy to auto insurance companies? It's about a $400/6 month increase. I don't need all that during the summer, so it feels cheaper this way - not sure if it really is or not. I still went out and got a new set of snow tires last year 
Just my opinion. It doesn't look fishy. Indecisive, maybe. If you do this too often, it might raise a red-flag for a manual-review. Worst case, maybe your premiums go up.
Fishy would be something like adding comprehensive coverage, then filing a claim for stolen-vehicle not too long after.
@Gunnerboy wrote:
Fishy would be something like adding comprehensive coverage, then filing a claim for stolen-vehicle not too long after.
How long after adding comprehensive coverage before a vehicle fire wouldn't look fishy?
Asking for a friend.
