If you have looked at Texas auto insurance rates recently you may recall that most every company is interested to hear about any previous accidents that involved you or your vehicle. Whether you were at fault for the accident or not, Dallas auto insurance companies are interested in this information. It paints a more accurate picture of not only your driving habits, but more importantly your claims history.

Texas residents have a high likelihood of being involved in severe weather that can result in a not at fault claim.

A not at fault claim is typically covered by your comprehensive physical damage coverage, which provides protection and pays damages to you in the event your car is damaged from theft, flood, fire, or any other covered peril. Texas weather moves through the extremes and can include wildfires, hail, floods, tornados, and even hurricanes. However, the impact weather has on Texas auto insurance rates is not as simple as the number of different weather events that can take place, but also how extreme those incidents can be. In a study completed by the National Weather Service Storm Prediction Center, they found that over a 30 year period Texas topped the list for the highest average annual number of Tornadoes, 150, per state.

You can’t pick the weather, but you can pick your address.

You cannot control the weather, so to calculate your risk more auto insurance rating factors are considered. How inclement weather affects your auto insurance rate depends on the zip code you live in currently. Certain areas of Texas are more likely to be at risk for different extreme weather patterns. For example, those residents of the Galveston area are far too aware of the strength and devastation a hurricane can cause; meanwhile, residents of more rural areas can be at a greater risk for wildfires during the dry season. This is because most severe wildfires are attributed to lower levels of precipitation and high temperatures. When these conditions are combined with the abundant vegetation found in rural parts of Texas, the risk is increased.

Keep your yard neat and tidy

Damage to your car that may cause your auto insurance rate to increase can be caused by debris in your yard that becomes airborne during sever winds and weather. Trimming trees, clearing dead plants, and picking up children’s toys will protect you from any potential flying objects during severe weather.

Create a fire barrier

If you live in a rural area, creating a fire barrier can help protect you and your car from a fast moving wildfire. For information on the best way to create a fire barrier and other fire safety tips, check out the Texas Department of Insurance.

Have an emergency radio near by

The National Weather Service broadcast continuous weather information online and through traditional battery operated radios. If you have ever tried to access the internet during a summer storm, you are all too aware of how slow it can be, that is if you are able to get internet service at all. During severe weather conditions your safety can depend on having the most accurate information. For immediate access to the current weather forecast, we suggest that you invest in a radio and change its batteries in the spring and fall when you chance your clocks for daylight saving time.

To receive the best Texas auto insurance rates, research your area and surrounding zip codes. If you find that you have an increased risk contact your insurance company to see what discounts are available. Discounts are a great way to reduce the amount you pay for car insurance. Find out today what discounts are available to you with Americo Direct Insurance and compare your current auto insurance rate. Give us a call at 214-374-9997 today!

(Source:http://blog.elephant.com/cars/texas-auto-insurance-rates-weather)
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