I live in Caledon, Ont. and my car comes off the road as soon as the snow comes. It goes back on the road after some rain has washed the salt away. I keep only fre and theft and never sneak her out. The risk is not great but the cost of an accident would be too high and that salt would start chewing away at the undersides of the car. My insurance is for leisure and low mileage. On ice or snow this car would be a handful like my wifes old '66 Mustang was, play it safe.