Progressive offers these tips for getting the most out of your policy in the off-season:

If your vehicle will be parked during the off-season, you may think you should cancel that vehicle's insurance during that time. But if you'd like to protect your vehicle and still save a little money, just switch your insurance to a Comprehensive-only policy. This will give you basic protection against incidents like vandalism, theft, falling tree branches and hail.

A Comprehensive-only policy also gives you the bonus of having continuous insurance coverage. If you drop your insurance completely, you may pay significantly more to get a new policy when in-season rolls around because most insurance companies want to see proof of continuous coverage.

If you plan to drive your work truck or other vehicles for personal use during the off-season, let your insurance carrier know. They can adjust your policy to reflect personal use, which can be less expensive while still providing coverage.

A local independent agent can help you determine which coverages are right for you and your business. To learn more or find an agent near you, visit www.progressivecommercial.com.

Even though you wouldn't mow a lawn in winter or plow a snowy driveway in summer, you still need to insure your equipment year-round.