Archive for February, 2013
People tend to be more unhappy in the winter. Early sunsets, cold weather and grey days all take their toll, and the inevitable slip-and-fall on the ice can ruin even the best of days. And it certainly doesn’t help when you add a car accident to the mix.
Yes, auto accidents are far more common in the winter months, due in large part to poor visibility and slippery roads. As if that weren’t enough to deal with, there’s the increased risk of damage being done to your car even when you’re tucked away inside, enjoying a cup of apple cider by the fire. Weather is unpredictable, and a blizzard or hurricane can cause significant damage to your vehicle within seconds. So if that happens to you, what happens to your insurance?
Well, there’s good news and bad news. The good news is, your premium is unlikely to go up due to a natural disaster at least not the first time. Weather damage is included in your comprehensive insurance, along with theft or damage done by animals. Most insurance companies won’t punish you for filing your first comprehensive claim. After four or five claims, though, you may start to see higher auto insurance quotes.
The bad news is, if you live in an area prone to bad weather, chances are you’re already paying for potential damages. If you frequently see hurricanes, blizzards, high winds or flooding, your insurance company already knows and is prepared for it. How do they prepare for it? By charging you extra.
Where you live always impacts how much you pay for insurance. In general, auto insurance quotes are higher for people living in urban areas. This is because a greater population means a greater accident risk, and because it is far more likely that you will be the victim of theft or vandalism. But, being in an urban or rural area isn’t the only factor. If your area often sees bad weather, you are paying for it with a higher insurance premium.
No matter how careful of a driver you are, there are some factors affecting your auto insurance that you can’t control. Your age and gender are probably the most well known, but the weather also holds a prominent position on that list. Even if your car is never the victim of a knocked over tree, you will pay more just in case it happens someday. Of course, this can also work in your favor if you are the one whose car got crushed during the last big storm. A damaged vehicle is never fun, and the hassle that follows can be exhausting. Fortunately, you don’t have to worry about increased auto insurance quotes on top of everything else.