When it comes to weather and auto insurance, there are several misconceptions. In many cases, auto insurance policies have nothing to do with the weather in an area because they simply do not reimburse for damages caused by tornadoes, flooding and extreme weather in general.
Winter does not make auto insurance more expensive. A common misconception that many drivers have involves snowy weather and auto insurance. Many believe that during the winter months, prices go up due to the worsening driving conditions. However, this is not true. In fact, across the United States, December is the cheapest month to buy auto insurance.
According to Auto-car-insurance4.com, “An area that is routinely exposed to harsh weather has more car damage claims than a location with moderate weather. Living in a state with varying types of extreme weather that causes car damage will make any driver pay more on their premiums.” Weather is less of a factor on rates in states that have more tranquil weather conditions.
The blog also notes that “Seasonal weather condition may also influence rates. So, if you are living in a state where winter means snow, icy roads and typically, blocked roads, expect to pay more, even though the winter lasts for a couple of months. Costs may increase with several hundreds of dollars more on any car insurance policy.”
Comprehensive auto insurance is the only policy influenced by weather. Comprehensive auto insurance pays benefits if the vehicle is affected by extreme weather or damaged by vandalism, animals, flooding and fire. The policy also pays benefits in case the vehicle is stolen. In some areas, prone to flooding or extreme weather, comprehensive auto insurance is an important investment. Because it provides coverage for damages caused by natural disasters, this policy can be more expensive in areas that suffer heavy rainfall and floods. However, clients who live in such areas usually do need comprehensive auto insurance. Comprehensive coverage is mostly affordable. Clients can get low premiums by using online quotes to compare prices. By comparing multiple policies, a driver will be able to reduce his/her coverage expenses by more than 25%.
For WeatherNation: Meteorologist Mace Michaels