Will Your Auto Insurance Offer Protection This Hurricane Season?

Hurricane season lasts from June 1 all the way through November 30. For 6 months, your car may be exposed to more danger than it already is. Even though you may not live in an area that’s prone to hurricanes, if you’re driving to one during hurricane season, your car could end up in harm’s way.

What can you do?

As you do for your home and family, you need to prepare your auto insurance for the hurricane season. You should review your policy so you know what type of damage is covered, the amount of your deductibles, and the steps for filing a claim should damage result from a hurricane.

If you find your policy lacking, don’t wait to until a hurricane is predicated for your area to modify your coverage. By then it’ll be too late. Most insurers won’t sell insurance when a natural disaster is imminent. Insurers want you to have insurance all the time, not just when you need it, so they usually restrict sales during times of trouble. Or they impose a 30-day waiting period for new coverage to take effect. That’s usually the way it is with all types of insurance so while you’re at it, take a look at your homeowner’s insurance and other policies to ensure you’ve got the coverage you may need.

What coverage do you need?

Your car is probably protected from the effects of natural disasters including rain, flooding, and damage caused by wind-blown objects if you have comprehensive coverage. Rental coverage will get you a rental car should your car need repair because of the natural disaster. Another type of coverage worth looking into is gap coverage, which can help in the event your car it totaled. It covers the difference between the amount still owed on your auto loan and the value of your car at the time it’s totaled.

Compare rates

As always, should you need to modify your auto insurance coverage, now is the time to shop around. AutoInsurancePlan.com’s free auto insurance quote service makes it easy obtain quotes from multiple insurers so you can go with the auto insurance policy that offers the most coverage for the lowest price.