(BPT) - The holiday season is one of the busiest travel periods of the year, with millions of drivers hitting the road to visit loved ones. Unfortunately, it's also one of the most common times for parking lot mishaps, rental car confusion and unexpected roadside incidents. Mercury Insurance (NYSE: MCY) is offering drivers practical tips to help them stay safe and avoid costly surprises while traveling this season.

"Between crowded parking lots, unpredictable weather and rental car agreements, holiday travel can get complicated fast," said Justin Yoshizawa, Director, Product Management, State at Mercury Insurance. "A little preparation and understanding of your insurance coverage can make all the difference if something unexpected happens on the road."

Top Auto Insurance Tips for Holiday Travel

Review your policy before hitting the road. Make sure your coverage is up to date and fits your travel plans. Comprehensive and collision coverage can help protect you from fender benders, theft and damage that may occur far from home.

Check your rental car coverage. If you're renting a car, verify whether your personal auto policy extends to rentals. Most personal auto insurance policies do, and if you have an active auto policy with liability, collision, or comprehensive coverage, those same coverages usually apply when you rent a car for personal use. Talk to an agent about your options if your policy doesn't include rental car coverage.

Protect your car in parking lots. Parking lots are a hot spot for dings, scratches and minor accidents during the holidays. Park in well-lit areas, avoid tight spots and consider backing into your space for better visibility when leaving.

Keep emergency supplies handy. Prepare an emergency kit with jumper cables, a flashlight, blankets, a first-aid kit and water. Winter weather and heavy traffic can mean longer wait times for roadside assistance.

Plan ahead for long drives. Schedule regular breaks, rotate drivers when possible, and don't drive distracted or drowsy. Mercury encourages travelers to use navigation apps for real-time updates on traffic, road closures and weather conditions.

"Mishaps can happen even when you plan carefully," added Yoshizawa. "Understanding your policy and knowing what's covered helps you stay calm and focused if something goes wrong."