Living in Illinois, we are no stranger to drastic weather changes, from blizzards to summer storms. But have you ever considered how these weather conditions may impact your auto insurance policy?
The Relationship Between Weather and Auto Insurance
Severe weather increases the risk of accidents on the road, which in turn impacts your auto insurance. Whether it’s slippery conditions after a hailstorm or impaired vision during a heavy snowfall, harsh weather conditions inevitably lead to more accidents. Consequently, insurers in Illinois incorporate the state’s weather conditions into their risk assessment, which ultimately effects the rates and coverage.
Common Weather-Related Claims in Illinois
- Collision coverage claims: This is common during winter when icy roads can cause sliding and accidents.
- Comprehensive coverage claims: This involves damage to your car caused by factors other than a collision, like falling trees during a storm or hail damage.
Lowering Your Risk
While you can’t control the weather, there are a few steps you can take to potentially lower your insurance rates. Regular maintenance checks, using winter tires during snow season, and safe driving can all lower your chances of having to file a weather-related claim.
Contact Next Level Insurance Agency
At the Next Level Insurance Agency, LLC in Hanover Park, IL, we understand the unique challenges our weather patterns pose to drivers. Insurance is not only mandatory by law, but it’s also your safeguard against unpredictable weather conditions that can cause substantial damage to your vehicle. Reach out to us today to find the best auto insurance policy for your needs.
