If you have comprehensive coverage, your insurance covers hurricane damage. This type of coverage includes necessary repairs or the replacement of your car if it's totaled due to heavy rains.
Comprehensive coverage is the only policy that covers your car for hail damage and weather-related accidents.
Liability and collision coverage provides protection for at-fault and not-at-fault accidents involving another vehicle, person, or piece of property.
Your comprehensive car insurance policy protects you from the following:
According to statistics, the national annual average for collision coverage is $526, and comprehensive coverage is around $192. If you make a claim for hurricane damage (typically from comprehensive coverage), expect to pay around 3% more on your rates for the next 3 years.
Progressive provides you with full insurance at a competitive rate of $2393 per year. Learn more about Progressive, here.
Hurricane season falls between June to November. Alerts about upcoming storms get sent from the National Hurricane Center when wind speeds reach 39 to 73 MPH.
You're given 48-72 hours to prepare for the tropical storm or hurricane.
Get coverage policies in place before this happens. Otherwise, your insurance company isn't able to protect you in time.
In some cases, insurance companies place restrictions on clients from ordering policies during this window period. As soon as the 48-72 hour window period is announced, you aren't able to get coverage.
Renew your policy to make sure you're protected if your auto insurance is set to expire during hurricane season. Avoid buying a new car if you're aware that a storm is approaching.
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