It’s not really cold yet, but it is dreary.

And rainy.

And it won’t be long now.

Are you ready? Is your car? Here are three things you can do to make sure it is.

1) Check your tires.

Driving in ice and snow is all about momentum — building it or stopping it. The four square feet of rubber that touch the ground is vital in either case.

2) Check your radiator.

Make sure your car has enough antifreeze to survive a sub-zero night on the driveway.

3) Talk to your insurance agent about your coverage (you have an agent, right?).

* Do you have enough liability coverage to protect yourself if you do slide into someone?

* Do you have enough Uninsured & Underinsured Motorist protection in case someone slides into you?

* Do you need full coverage on your vehicle?

* Do you have backup transportation or would you need to rent a car if yours is in the shop for a week, or do you need rental reimbursement coverage?

* Do you want towing and roadside in case you slide into a ditch?