Here Comes Hurricane Irene And Higher Car Insurance Rates

Stuart, FL, 5th SEP, 2011- Every year natural catastrophes lead to more claims with drivers and residents in coastal states topping the list of claimants. Higher rates follow natural disaster like tropical storms, hurricanes, tornadoes and earthquakes. “Insurance rates are fairly flat for states that don’t experience frequent catastrophic weather,” the press agent for Car Insurance Stuart in Stuart, Florida summarized the situation. “Perhaps the biggest downside of living in a coastal state is people having to deal with auto insurance and homeowner rates that increase after a hurricane.”

Hurricane Irene is the first major Category 3 hurricane to hit the Atlantic coastal states in 2011. “Hurricane Irene is pushing further inland meaning that more property will be involved in damage claims,” explained the Car Insurance Stuart spokesman. 2011 has been a terrible year for claims from wind damage. The tornadoes that ripped through Joslin, Missouri left horrific damage as well as fatalities. Now the hurricane season is kicking off with a storm posing huge potential for property destruction. All of this causes insurance companies to re-evaluate high-risk areas and the amount and type of property they insure.” While higher car insurance rates may be inevitable, there are ways consumers can postpone increases in the coming year.

Auto owners living in states that border the Atlantic can minimize their car insurance rates in a number of ways. Of course, keeping a good driving record tops the list. However there are other ways consumers can lower auto insurance premiums. First, talk to your agent and ask about bundling homeowners, boat, RV and multi-vehicle insurance coverage. Insurers love to discount multiple coverage packages. It also makes it a lot easier for consumers to deal with a single insurance company when they have to make claims.

Avoid making small claims for fender benders, hail damage, and claims on older vehicles. If you can handle the additional cost, consider accepting a higher deductible in return for lower monthly premiums. If your car paid off and over 7 years old, you may want to drop the comprehensive coverage and just carry liability. When you carry comprehensive coverage on an older car there’s a chance that you’ll waste your money. If you are in an accident, your car may be totaled and you’ll only receive the basic value of the car. The car insurance company won’t pay more than the book value of the car to have it repaired.

Car Insurance Stuart is a family owned insurance company in Stuart, Florida. They specialize in helping people get the best coverage for their property at the lowest possible rate. They offer free online quotes at their website.

About Car Insurance Stuart

Car Insurance Stuart pride themselves on their excellent customer service and being a family owned business they want to take care of all of your families safety needs. Understanding the value of a family; Car Insurance Stuart specialize in helping people ; find the lowest rate auto insurance for years to come .

Patrick Gambale ( Owner ) Car Insurance Stuart 7317 SW Gaines Ave Stuart,FL ,34997 U.S.A Phone : (772)223-6007 Toll Free : 888-875-3476 Fax : (772)223-6009 Email : info@autoinsurancestuart.com Website : http://www.autoinsurancestuart.com/