Winter is coming, or so the internet keeps saying. In Victoria, where the temperature has dropped to 14 degrees, people are getting out their puffy down coats, and donning their toques for the brief walk from building to car. With our cold-aversion (and the rest of the province’s actual cold), our transportation needs change in the fall and winter. If you have a vehicle you insure only in the warmer months, and store in the cooler ones, you will want