November might bring cozy sweaters and pumpkin spice, but it also brings something far less pleasant: deer season. And we’re not just talking about hunting. 

Thanksgiving means family, food, and for millions of Americans, a long drive to get there. It’s one of the busiest travel weekends of the year, and while the destination might be worth it, the journey can come with serious risks. 

Halloween is supposed to be fun—costumes, candy, spooky playlists, and maybe a party or two. But while most people are out enjoying the night, insurance companies are bracing for something else: a sharp spike in risky behavior.

There’s nothing quite like hitting the road in October with a warm drink in the cupholder, your favorite playlist humming through the speakers, and the trees lighting up the highway in fiery golds, reds, and oranges.

Autumn mornings have a way of greeting drivers with a little extra drama: fog curling over quiet roads, windshields iced over before sunrise, and pitch-black commutes that make everything feel just a bit more unpredictable.

As the mornings get colder and the first frost starts creeping onto windshields, drivers across the northern states start asking the same question: Is this the year I finally switch to winter tires? Or are my all-seasons still good enough?