Category: Auto Insurance

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.

Auto insurance is a must-have for every driver. At Next Level Insurance Agency LLC in Hanover Park, IL, we believe in helping you get the most out of your policy.

How Can You Maximize Your Auto Insurance Coverage?

• Know Your Policy: Understanding the terms and specifics of your auto insurance policy is one way to ensure you’re making the most out of it. Knowing your coverage can help prevent unexpected expenses.
• Choose the Right Deductible: A higher deductible can lead to lower premium costs. However, ensure that your deductible is affordable in case an accident occurs.
• Bundle Your Policies: Bundling your auto insurance with other policies can offer significant savings and offer the convenience of handling all your insurances under one roof.
• Maintain a Clean Driving Record: Drivers with fewer or no claims often qualify for lower rates and discounts.
• Regularly Review Your Policy: Changes in your life – like a new vehicle, moving, or changes to your driving habits – can impact your policy. Regularly reviewing and updating it ensures you’re not overpaying or underinsured.

At Next Level Insurance Agency LLC in Hanover Park, IL, we aim to provide not only comprehensive auto insurance but also the guidance and support you need to maximize its benefits. We encourage you to have an annual conversation with one of our knowledgeable agents to discuss your situation, understand your options, and ensure optimal coverage.